23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management is 3rd party to XXXX XXXX  treating to put lies on my property and 8 yes add another one. Tried contacting XXXX XXXX # XXXX no answere several times was given this phone number from Midland Credit Management. The statement shows several different amounts, XX/XX/23 XXXXcurrent balance XXXXXXXX pay off XXXX..original XXXX credit card balance. Only received email today XX/XX/23 from XXXX XXXX XXXX collections with different contact number to collect this debt. I'm disputing this debt due to all this financial harassment abuse toward an elderly woman. Thank You XXXX XXXX MCM Account # XXXX
Product: Debt collection

payment made XX/XX/2021 {$310.00} to XXXX XXXX XXXX directly after calling Conserve who said to pay XXXX directly and the collections would be remedied. Conserve then hit by credit and refused to remove themselves from my credit report stating I was delinquent still. Despite having paid XXXX XXXX XXXX directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and there fraudulent charges on my account thats stopping me from reaching my goal of buying a home Im single a XXXX thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- Last year I was struggling financially. In XX/XX/2018 I applied for a mortgage modification. In XX/XX/2018 I received a letter from an attorney stating that my home was in foreclosure process. NOT THAT IT WAS IN FORECLOSURE but that the process had started and that was my notification of what was happening. I was very confused because the mortgage modification was supposed to help me. 

I wrote the attorney and asked for an explanation and disputed the debt because of the modification. They responded and said that the file was " on hold '' due to the modification process. 

Fast forward a few months and I made my trial payments on time. I get approved for the final modification but the attorney is saying the Mortgage company told them to keep the file open. The file is not closed but rather open and I am being reported as foreclosure to the credit bureaus. ( See Attachment from XXXX ) XXXX is reporting me as having a foreclosure. 

The FACT is that I NEVER went to the FORECLOSURE process. I tried to fix my situation before it got to that point. I am not disputing I had trouble paying my mortagage but I tried to remedy the situation and I am being penalized. 

I was told by a Loancare representative XXXX XXXX that once the modification went through the loan would be reporting as current and that it would never say foreclosure. I was also told that it might even erase some of the late payments dating back to when I started making the trial payments. I never was scheduled for a sheriff 's sale or even given a date. 

Attachements are letter from attorney and XXXX letter declining me from a business credit card. 

As an AMerican who is a XXXX I want to be given a fair shot and I think that this is a violation of the Fair Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

Have spoken to people multiple times at this location over the phone have told them we are experiencing a hardship due to covid19 my husband has been waiting over 8wks for unemployment they say each time it is fine they will work with us only to be called again a few days later saying that we haven't spoke to anyone or they don't show any notes on my account last conversation I had was on XX/XX/XXXX spoke to XXXX told him we had some money coming in on the XXXX for our families first emergency assistance and could bring some money in then was told that would be fine but then as of tonight someone came to pick up our vechile although I have emails from the company stating that no involuntary repossession will take place due to the hardship of covid19 which was a lie and I believe they took my car based on market value and the money they would be able to profit in return.
Product: Credit reporting or other personal consumer reports

I have two fraudulent credit cards reporting on my credit report, XXXX  and capital one. 

I didnt give anyone permission to open these cards. I have the police report and FTC report. I have 8 fraudulent inquiries on my XXXX report and 5 on XXXX report. 15 USC 168
Product: Payday loan

I applied for a payday loan from Big Picture Loans. I was told that I would be paying {$280.00} in fees with the {$800.00} I borrowed. I agreed to those terms. I was told they were having a problem with sending me the paperwork electronically. 

I thought something was strange when an extra payment was taken out but thought maybe I made a mistake on when the first payment was made. When I received a message stating they were going to take another payment, I checked my account an realized they had already taken too much. I went to their website ( https : //www.bigpictureloans.com ) and was able to see the loan document ( attached ). They 're attempting to charge me {$6000.00} for an {$800.00} loan! I 'm a reasonable person and there is no way I would have agreed to that!
Product: Debt collection

On XX/XX/2019, I received a letter ( attached ) from " XXXX XXXX XXXX '' informing me of an alleged account under my name submitted for collections by " XXXX '' for {$460.00}. 

On XX/XX/2019, I wrote and mailed a letter ( attached ) to " XXXX XXXX XXXX '' requesting verification of the debt in accordance with 15 U.S. Code 1692g. I specifically requested proof of the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. 

" XXXX XXXX XXXX '' never responded to my dispute letter, and after 30 days in accordance to the law, I assumed this alleged debt to be invalid. 

Now, today XX/XX/2019, I received a new letter ( attached ) from " Diversified Adjustment Service Inc. '' dated XX/XX/2019, claiming that they are again attempting to collect for the same debt, XXXX for {$460.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards with the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXXXXXX XXXX Balance {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX XXXX XXXX  asking for validation of this the account be provided. 
Additionally I requested this be done with all three credit bureaus as well and nothing has been done to resolve these matters. 
XXXX XXXX XXXX  is reporting a Charge off Account to Transunion as a opened account Opened XX/XX/XXXX ( Opened 3 years 9months ) Monthly payment {$0.00} Last payment XX/XX/XXXX Past due {$390.00} Times Late 30/60/90. 0 times Closed XX/XX/XXXX Current payment status is showing as a charge off.

Reporting on XXXX  as late payments missed I request this be investigated further because its no way possible I could have opened an account for three years but closed it in 4 months. 
This is inaccurate information and it needs to be reviewed further.
Product: Credit reporting or other personal consumer reports

DATE : XXXX, XXXX  RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNTS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION.

I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. 

I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Debt collection

I moved out of my apartment after my lease was over due to the fact that I had complained repeatedly to the apartment about the roaches and trash all of which I have documentation for. As well as the trash in the stairs that resulted in my wife falling and nearly breaking her leg and going to emergency room. As a result of their incompetence we moved out. We were never evicted or taken to court or even received any notice whatsoever from a collection agency. Until today when it popped up on my credit report. I have never received a notice as required by the FCRA. I want this removed off of my credit report immediately or I will see you in court for violation of the FCRA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of several inaccurately reported accounts from my credit report, Experian, XXXX and XXXX has failed to do a proper reinvestigation. Despite my previous attempts to rectify these errors, they persist, which is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the disputed accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Report Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number XXXX XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Report Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Report Number : XXXX I am formally requesting the deletion of these accounts from my credit report due to violations of the following statutes : 15 USC 1681 ( 5 ) 15 USC 1681 ( 7 ) 15 USC 1681e ( b ) 15 USC 1681s-2 These inaccuracies not only misrepresent my credit history but also have the potential to adversely affect my financial standing and opportunities. Therefore, I urge you to take immediate action to rectify these errors and ensure the accuracy of my credit report. 

I expect a thorough reinvestigation of the disputed accounts and a prompt response detailing the steps taken to address my concerns. Additionally, I request documentation of the reinvestigation process for my records. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccurately reported accounts from my credit report.
Product: Debt collection

I am writing in response to your recent communication, which pertains to the debt you claim I owe. After carefully reviewing your response, I must reject your statements for the following reasons : False Statements in Violation of FDCPA : Your response contains inaccurate and misleading statements that I believe to be false. These false assertions not only misrepresent the facts but also violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the use of false, deceptive, or misleading representations in the collection of a debt. 

False Statements ( 15 USC 1692e ( 8 ) ) : Your response contains false and misleading statements in violation of 15 USC 1692e ( 8 ), which prohibits the reporting of false information to credit bureaus. Specifically, [ describe the false statement ( s ), e.g., " you inaccurately reported missed payments despite my records showing no such missed payments '' ]. As the court stated in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  such misrepresentations violate the FDCPA, and continued use of false information is actionable. 

Failure to Provide Original Signed Contract : In addition to the false statements, you have failed to provide an original signed contract or any document that legally substantiates your claim of debt. Under Section 809 of the FDCPA, you are required to provide verification of the debt upon my request, which includes the original contract or a copy bearing my signature to prove that I am indeed responsible for the debt in question. Your failure to produce such documentation demonstrates non-compliance with this legal requirement. 

As such, I request that you cease and desist any further collection efforts related to this matter, as it is clear that the debt you are attempting to collect is not substantiated by valid documentation. Additionally, I request that you correct any inaccuracies you have reported to the credit bureaus regarding this debt, as it is based on false information. 

Please be advised that any continued violation of the FDCPA will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any relevant state authorities. 

I expect to receive written confirmation of your compliance with these requests within 30 days. If you continue to pursue this matter without proper evidence and in violation of the FDCPA, I will take further action to protect my rights.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I got an email from Paypal that my account features have been deactivated and they will hold my funds for 180 days. I logged in my Paypal and I got permanent suspension for no reason as they will not tell me specifically what did I do to deserve it. I've been using Paypal for almost 6 years and I never had any issues from them until now. I never have any cases or disputes from my clients and I never violated anything from their Acceptable Use Policy and I'm afraid they will take my funds after 180 days as some users stated that's what Paypal does. I sent them many emails regarding this matter but they firmly hold that their decision is final.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my passport and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


7. Unpaid balance reported as a loss by credit grantor XXXX XXXX Account Number : XXXX Update to Open/Never late 8. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 


9. there is some inaccurate information reporting XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Delete from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX, I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

I notified Bank of America of numerous fraudulent transactions. They opened a claim and gave me provisional credit for the whole claim of {$17000.00}. a few days in they made roughly half permanent while " investigating the rest ''. They ended up denying the second half of the claim, Violating Regulation E, falsely advertised zero fraud liability and caused significant damages. 

Their whole basis was they could only recover half and the bank isnt in business to lose money. They ignored the facts and evidence and violated my rights and many laws. 

If they illegally overdraft my account, I will sue and seek actual damages, statutory damages, economic and non economic damages, punitive damages and legal fees.
Product: Debt collection

I received correspondence from XXXX XXXX XXXX on XX/XX/XXXX stating that I need to fill out a form of interrogatories. It is in regards to a debt that I won a judgment on XX/XX/XXXX. I was the defendant in the case and there was a judgment for the defendant entered. the plaintiff filed a civil appeal that I never received any notice of the appeal. XXXX is trying to collect on an invalid debt by representing and threatening to take legal action on the case.
Product: Credit card or prepaid card

I received a letter dated XX/XX/XXXX from wells fargo telling me that they did a risk review of my credit card account and had decided to close it. I have never been over the limit or late on a payment as a matter of fact I paid the balance in full every month. Immediately called on XX/XX/XXXX ( when i received the letter ) and was connected to the executive office and spoke with XXXX. I explained that I was unable to redeem the rewards I have been saving for years from the card because they closed it. She put me on hold and looked into the matter verifying that I had indeed earned XXXX points through my purchases. She agreed that I am due the rewards and gave me a case number and phone number and said that the case manager would call me the following day. 

The following day I returned a missed call from XXXX my case manager on two occasions but she didn't return my call. On the third call I spoke with the person that answered the phone and he said he would look into whats going on, after a long hold he returned and said that the rewards have been forfeited and that was a final. After informing him I was never given notice or any chance to redeem my honestly earned rewards he just stated again that they have been forfeited. 

I see that closing accounts for no good reason is a common practice at Wells Fargo but I have earned those rewards and this amounts to theft.