23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contact Midland funding LLC about my 2 accounts with them ( XXXX XXXX  and XXXX XXXX XXXX  ). Midland Funding LLC assigned my two accounts with them to XXXX, XXXX XXXX XXXX XXXX. I contact XXXX, XXXX XXXX XXXX XXXX to settle the said two accounts. They informed me that there is a third account under my name. I asked them who is the creditor, they said it is from XXXX XXXX  that was sold to XXXX XXXX add XXXX XXXX assigned the account to them to collect. 
That XXXX XXXX  account had been settled and paid long time ago. 
XXXX, XXXX XXXX XXXX XXXX is not helpful when I tried to explain to them that it was settled and I gave them the confirmation # that the account is settled. They insist that all three account should be paid. 
I do not know how to handle this situation. I just want to settle what I owe and not what i already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information that is being reported on my credit report. I am specifically referring to the following accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Charge Off Account XXXX CXXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX Collection Account 8. U.S. Bankruptcy Court XXXX 9. U.S. Bankruptcy Court XXXX  10. US DIST CT XXXX 11. US DIST CT 1XXXX  I believe that the information being reported on my credit report is inaccurate and is damaging my credit score. I have reviewed my records and have found that there are discrepancies in the information being reported by the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I am therefore requesting that you investigate the information being reported by the credit bureaus and correct any errors that you find. 

I would also like to remind you that under the FCRA, you have 30 days to investigate and respond to my dispute. If you do not respond within 30 days, I will assume that you have accepted my dispute and have made the necessary corrections. 

I am very concerned about the impact that this negative information is having on my credit score. It has made it difficult for me to obtain credit and has caused me a great deal of stress and anxiety. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

Wakefield and Associates has been sending me collection notices in the amount of {$330.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Checking or savings account

Bank of America has an account service called goals. You are able to transfer money from your checking or savings account into this account in order to save money for a desired goal. I transferred {$300.00} into that account and {$45.00} went missing. I called Bank of America to inquire about the missing funds and the representative told me that they had moved my money somewhere and it is no longer available. I asked the Bank of America associate to release my funds and they would not do so. I also asked to speak to a supervisor and one was not provided for me.
Product: Credit card

All I can tell you is I have had problems logging into the website because I have more than XXXX retail account that is managed by the same bank and it makes saving login information a nightmare. And since paperless billing is strongly encouraged and sometimes even costly if not signed up for, the inability to login is exactly like operating with zero account access other than any email and text notifications signed up for in the beginning. So without access to detailed billing information, I was shocked to learn recently that XXXX dollars in my monthly payments were allocated to the balance subject of deferred interest. I was informed that since I did not make special arrangements to allocate specific funds over and above the minimum payment amount each month to be used for paying off the portion of the total amount owed subject to the deferred interest month in incremental payments over the period of time that the interest is being deferred, then all the interest that is accruing during that time period will be added to the card balance all at once. So the ~ {$800.00} charge with 24 months of deferred interest payments that has already accrued nearly {$200.00} in interest so far, will continue to accrue interest until the end of the 24 month period, which by then will amount to {$600.00} or more, UNLESS I make special arrangementsright awayto add almost {$60.00} to each of my normal monthly minimum payments for a total exceeding more than twice my current monthly payment amount, and what is most disturbing is not so much everything I already mentioned because this aint my first XXXX XXXX by shady lenders, its the fact that the whole thing started with me going to the retail store, being offered a discount for applying for a credit card, being approved, and then having that item I purchased on a deferred interest plan, yet my card limit well exceeded that purchase, and NEVER ONCE BEING ADVISED THAT IT WAS UP TO ME TO MAKE THE SPECIAL ARRANGEMENTS AS EXPLAINED ABOVE. WHAT A RACKET
Product: Credit reporting, credit repair services, or other personal consumer reports

My Ch XXXX was filed in XXXX and paid in full and discharged in XXXX. It shows discharged with the 3 CRA 's. Asking for the information to be Early Exclusion. XXXX removed it from my credit report last year and here 's the Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information, including the four attachments, you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that there is a bankruptcy on your report as a result of fraud. You stated that you have asked how the bankruptcy was verified and have gotten no answer. You stated that the court does not verify any information. You would like the account deleted from your report. Per your request to conduct an investigation, we contacted the public record vendor to verify the accuracy of the information with which you disagree. The bankruptcy has been deleted as a result of our processing of your disputes. A summary of your results was forwarded to you on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant to 15 USC 1602 [ a ] that your Company never that your company never provided adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 [ k ] the terms adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation un XXXX XXXX XXXX [ k ]. 

Further pursuant to XXXX XXXX XXXX [ a ] consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end I have not benefited from this transaction which again is a violation of 15 USC 1602 [ p ].

According to 15 USC 1602 [ p ] The term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below mentioned things : DELETE THESE ACCOUNTS AND VALIDATE THE DEBT 15 USC 1602G [ 4 ] 08 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, I will not escalate this matter to the Federal Court. in case, you dont accept the above request a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Since XXXX : XXXX. 

ALL RIGHTS RESERVED WITHOUT PREJUDICE UCC1-308
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall releasing my information to a third party. 1. Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until the debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.
Product: Debt collection

Over the course of the past 2 years, I have been diligently recovering from identity theft by removing fraudulent information from my credit reports. XXXX respected my rights under the FCRA and removed the fraudulent accounts, inquiries, and information but Columbia Debt Recovery refused to and continue to further violate me and my rights. I am a victim of identity theft and have supplied my FTC and APPROVED police reports countless times. The only correspondence I have received was that " my signature was on documents so therefore its validated '' but this is frivolous because my information was fraudulently used. I am now left with no choice but to file this complaint and consider seeking litigation from both of these bureaus. I have attached my police report and dispute letters that I have sent.
Product: Credit reporting or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXXXXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Debt collection

I began receiving multiple phone calls on my cell phone from a masked phone number on XX/XX/2018. When I finally answered one of the calls, the individual speaking said she was a representative of Phoenix Financial. She asked my name, which I confirmed, but when I asked what business she was calling in reference to, she hung up on me. On the same date, I called the number back from my work line and spoke with someone who was very unprofessional. He didn't provide any information regarding a debt because he stated he didn't recognize the number I was calling from. When I asked if his business practices involved calling from masked numbers and hanging up on people, he replied " Absolutely. '' I was taken aback by this response and before I could ask that he not call again, he hung up on me. Since XX/XX/18 I have received numerous phone calls on a daily basis from masked numbers that I refuse to answer. I received two letters from Phoenix Financial, dated XX/XX/2018, referencing alleged medical debt. The amount of {$1700.00} with the original creditor XXXX XXXX XXXX is disputed, as my insurance company has covered a large portion of this debt. The second alleged debt is completely disputed. Due to Phoenix Financial 's extremely poor reputation, I immediately contacted them in writing to ask for proof of ownership of either debt which they have not responded to. Today, I checked my credit report and for the first time both debts have been listed by Phoenix Financial Services. I am disputing this debt through XXXX and am making a formal complaint against Phoenix Financial Services for their failure to disclose proof of debt, harassing phone calls where they provide no information and simply hang up without stating the purpose for the call, and for listing two disputed debts on my credit report without substantiation.
Product: Credit card

I requested all information in writing tracking information emails. I requested a 1099C because I would like to know why does it say charge off? For the company called XXXX. That is showing up on all my credit reports. This is a not accurate. 
What the credit bureaus are doing to me is an accurate what XXXX and Synchrony bank are doing is Not accurate. This is a violation. I will be contacting the IRS I will be suing for statutory damages.
Product: Mortgage

Last year I was out of work due to XXXX. I fell two months behind on my rent. XX/XX/XXXX, I sent in a payment that was returned on XX/XX/XXXX. This caused my account to be over 90 days late. I contacted my loan servicer, Planet Home Lending, to discuss this problem. I was transferred to XXXX in their mitigation department. She told me that I needed to set up a payment arrangement. She suggested {$1200.00} per month to which I agreed. She told me that she would have to clear it with her manager. After calling her for over a week, I finally reached her only to be told that the arrangement was denied by her manager. I was also told that foreclosure arrangements had been started. I asked her why was I denied and she told me that I was denied due to not making enough money. I requested a expence sheet, filled it out, submitted it to PLH, and was approved for a payment arrangement for {$1400.00} per month. After two payments, I was given a sell date for my house. At that point, I borrowed money to bring my account current as of XX/XX/XXXX. Now my credit report shows preforeclosure, 120 days late. I have been denied credit opportunities. PLH now say I owe them over {$2700.00} for legal fees.
Product: Consumer Loan

ShellPoint Mortgage Servicing Company is not replying or reissuing a second lien release that they said would be edited for aproperty sell to happen. They were advised regarding and said they would forward to investors to have edits done, so, we could move to close. This was inXXXX. 2015. We had to cancel closing the day before ( twice this has happened because of them ) It took over two months to get this lien release in the firstplace. The seller attorneys office has contacted Shellpoint on numerous occasions to get status updates or timeline for new letter. They have failed toprovide any information. This is bad business practice on # Shellpoints part. # Shellpoint is not practicing good consumer business or relations. They are notworking to try and ensure they get any money or that both groups receive some level of compensation versus zero if foreclosure happens. # Shellpoint ispurposely prolonging this process and has negatively impacted this situation that could help both XXXX lien holder and allow XXXX lien holder ( Shellpoint ) torecover something, the seller to get relief, and me the buyer ' to have an affordable home. No one is holding # Shellpoint to a higher level of consumerrelations ( to be respectful, to be professional, and be honest and upfront ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent my information in a data breach to millions of people which compromise my information being misused I currently am on the dark web and I can't get out I have suffered many consequences from this and all they offer me is protection which is already destroyed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, someone with my personal information including XXXX called in TransUnion 's customer service and requested verbally that the freeze to be lifted. When I discovered that the freeze was lifted, I called and requested for an extra steps of verification. The agent named XXXX ( # XXXX ) was able to add a verbal password to my file. She explained that anyone over the phone requesting a credit freeze lift would need to provide the password over the phone. On XX/XX/XXXX, I discovered that my credit freeze is lifted again. I spoke with an agent named XXXX ( # XXXX ), she confirmed that the verbal password was written in the wrong place in their system. Both of these agents revealed the password over the phone, and I complained that they shouldn't be revealing my password to anyone over the phone. I spoke with their supervisor named XXXX ( # XXXX ) that in fact there hasn't been any verbal password placed on file. The previous XXXX agents have not placed any verbal password in their system.
Product: Debt collection

hello see attachment. i still have not received approval and confirmation of my loan modification adjustment from Wells Fargo by mail and no copies outlining the plan and if I make payments I want to make sure it will be applied
Product: Credit reporting or other personal consumer reports

I sent your company a letter disputing account number XXXX with XXXX XXXX  XXXX on XX/XX/year>2024. I received a response from you dated XX/XX/year>2024 where you stated that the item had been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the item has been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 
XXXX XXXX  XXXX XXXX
Product: Credit reporting

I have been disputing these accounts for years and I am absolutely fed up with all XXXX bureaus. I have gotten nowhere and everything comes back as verified when it clearly is not. When I contact the creditors I get a run around and they tell me there 's nothing they can do and that I have to resolve it with the bureaus! I 'm listing all of the account information below and each of these must be updated/removed accordingly. 
Released tax lien XXXX This tax lien has been released and is from XXXX! It was removed from my file in XXXX and has been reinserted and shows that I owe money. I do NOT owe anything on this. Please remove this from my file. I am including the proof. 
XXXX XXXX I was never late on this : they have this listed as late in XXXX but I spoke with XXXX on XXXX/XXXX/XXXX who said I was late in XXXX of XXXX. I asked why he 's calling now and he did n't give an answer. Not only that, but he said that because I was late in XXXX, it is reporting late in XXXX. My account is on auto-pay so there is no way that I was late in XXXX and I can prove this. I paid {$1000.00} on XXXX/XXXX/XXXX for this supposed late in XXXX when it is reporting as late in XXXX. XXXX said all I can do is dispute it with the bureaus. 
XXXX XXXX I do not owe this money ( original creditor is XXXX ) : I cancelled my services and physically returned the equipment to their office and was told that once they receive the equipment in the warehouse they will adjust the bill and send me an updated one. I physically went in and returned the equipment and # 1 do not owe this money & # 2 never received an updated bill showing {$0.00}. They sent me straight to collections. 
XXXX XXXX I do n't know why this is reporting as lost or stolen ; please remove this status - I did not lose my card Receivables XXXX This is for XXXX and I do NOT owe them money : I cancelled services, called for box to send equipment back, they said they would send & update bill and I never received. I called again, they reordered boxes & said they would update bill once received. I sent in equipment 4 days late on XXXX, never received updated bill & sent to collection. They will not give me info when I call & say to call collection company. 
XXXX XXXX XXXX ( listed 3 times ) I lost my card one time and it is listed 3 separate times and needs to be removed.