23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 XXXX from D & A LLC called my cell phone looking for XXXX XXXX which is my XXXXyear old daughter. When I asked what this is regarding, XXXX was insistent on speaking with my minor daughter. When I asked what her company specializes in, she refused to answer my question and repeated with I can only discuss this with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, a few minutes ago I got a letter from " American Coradius Internacional Inc '' Where I owe them {$57.00} where the creditor is XXXX, I don't owe anyone anything I started looking for information on the Internet where they basically explain that they received this letter charging, some explain that it is due to identity theft or due to a security breach by XXXX, since in the official forum of XXXX many people received this letter in which they allege that they received this letter with an invoice, and XXXX has not done anything to solve it, There have been several times in which I receive fraudulent emails with the name and stamp of XXXX charging me in which I call and ask if I owe them something and they tell me that it is a fraudulent email and that I send the complaint to an email that they have special for that I hope I don't have to sue them
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute involves a missed payment reported by XXXX XXXX  to the credit bureaus for a credit card, Account # XXXX XXXX XXXX XXXX. This credit card account was stolen in the Fall of XXXX and used to make significant unauthorized purchases overseas. XXXX XXXX never informed me of this. The card account was also set up for automatic payments. 

After discovering the fraud, I contacted XXXXXXXX XXXX I was advised not to make any payments for the fraudulent purchases. The fraudulent purchases were reversed, and I was also advised that any resulting late fees regarding them would also be reversed. All of the fraudulent charges were reversed. I was issued a new card, and told all of the information would carry over to the new account. I have always used auto pay on all my accounts, which is why I have never missed or made a late payment. 

Despite being told auto pay would carry over to the new card, I noticed right after the due date in XXXX of XXXX that the payment did not process. I immediately made a one-time payment, and called customer service as to why it was not processed. The CSR representative acknowledged it was the fault of XXXX XXXX that the auto pay apparently did not transfer over. As part of this acknowledgment, all of the late fees and interest charges were refunded to my account, which is why my credit card account currently has a negative balance. Auto pay was then set up again. I was also assured that it would not be reported as late or missed to the credit bureaus. 

After dealing with this, I was not only surprised but angered that XXXX XXXX reported my account to the credit bureaus as having missed a payment. This caused my credit score to drop over XXXX points. 

I made a formal complaint to XXXXXXXX XXXX after filing complaints with the credit bureaus and no changes were made. XXXX XXXX then denied my request to have the late payment removed from my credit history with them, and thus with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint to cfpb on XX/XX/2019, compliant # XXXX the companys response was that, was they would forward my complaint and concerns to the approprate agency, and follow up, im STILL WAITING over a year later. To Summarize equifax is reporting information on my credit report, with their claims of validation from XXXX XXXX. I have a letter from the court stating they did not pprovide this information, furthermore, there is a freeze on my XXXX XXXX, so as the cunsumer, i derserve to know HOW WAS THIS VALIDATED, the companys response is unacceptable and unsatisfactory and this case not be closed, not to mention the TIME FACTOR, they havent responded OVER A YEAR!!!! I will make careful notes of all this, so i can take further action, please delete this information from my report
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you because one or both of these items showed up on my credit report and they do not belong to me and are fraud and would like them removed at once. This has been an ongoing problem as I am a victim of identity thieft so please remove these items because they do not belong to me. I have attached lastest police reports to support. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} is fraudulent and does not belong to me please remove. 
Company is called XXXX XXXX XXXX XXXX XXXX amount claimed owed {$1300.00} this is also fraudulent and does not belong to me please remove. 
XXXX XXXX XXXX and they claim I owe {$1700.00} this account is also fraud and does not belong to me please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge. EMPLOYER - XXXX XXXX XXXX - I DO NOT WORK AT THIS ESTABLISHMENT AND NEVER HAVE. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. INQUIRY - XXXX MAIN - INQUIRY MADE ON XXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. INQUIRY - XXXX BANK NA - INQUIRY MADE ON XXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS MAKING MY XXXX XXXX GO DOWN. I WANT MY CREDIT REPORT CORRECTED IMMEDIATELY AND A FRAUD INDICATOR PLACE ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered these fraudulent inquiries that I did not make on my XXXX, equifax, and XXXX credit reports including : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries that are on my report that i have NOT applied for. I have asked them to be removed but they have not submitted any proof back to me. Here they are : XXXX XX/XX/20 US SM Bus Admin XX/XX/20 XXXX Auto Finance XX/XX/20 XXXX XXXX XX/XX/20 & XX/XX/20 XXXX XXXX XX/XX/20 Also i Have accounts that are not showing on my XXXX that i wish to have on there. 
I have 1 Accounts with XXXX XXXX XXXX 1 account with XXXX XXXX XXXX XXXX 1 Account with XXXX
Product: Mortgage

I have reported this company each month about the fees and charges that are not correct. I have sent and will continue to send complaint to have these fees removed. This company is very poor for any form of servicing. I send the payment certified mail with a cashier check. Long before it late date. They make it a point to add these fee. Please see the statement, that they held {$2500.00} before applying a payment of {$1100.00} to the account. Please escalate this to someone that can help me.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes and nobody seems to be reading my statements regarding the disputed closed accounts. Which are preventing me from accessing credit. Lawfully, the public has no ability, therefore no obligation to pay debt, per the removal of Gold Standard. As per 12 USC-1431, Banks are the borrower. As per 42 USC-408, requiring my Social Security Number, if not for financial transaction, is a crime. As per 15 USC-1602g, the Consumer is actually the Creditor. As per 31 USC-5118 & House Joint Resolution 192, all public debts are the obligation of the United States Treasury & Congress and must be discharged Per Public Law 73.10. As per UCC1, UCC11, the disputed accounts are not listed. UCC3-104 negotiable instruments, promissory notes are legal tender once signed & satisfied once securitized/monetized per UCC 3 ( 3-104,3-304,3-310 ). XXXX update all the disputes immediately, however Experian has not addressed my several disputes directly, only send me a generic response stating the accounts have been confirmed and updated not regarding my dispute. XXXX has been very slow to update or process my request, but Experian has failed to properly investigate/ read my disputes so I must complain.
Product: Debt collection

I am writing to dispute the debt that has been attributed to me. I have been a victim of identity theft since 2007 and have no knowledge of the debt in question. Furthermore, the address listed, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX, is not my address. 

I did not incur this debt and have no information about its origin. I request that you take immediate action to correct this error and remove the debt from my credit report. 

Please provide me with verification of the debt and any relevant documentation to support your claim. I appreciate your prompt attention to this matter and look forward to resolving this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

Prince Parker & Associates reported a debt collection account to my credit report without providing the required notices as mandated under the Fair Debt Collection Practices Act ( FDCPA ). I was never provided with proper notice of the debt, nor was I given the opportunity to verify or dispute it as required by law. This failure constitutes multiple violations of the FDCPA. 

As a direct result of their improper reporting, my credit report was negatively impacted, causing significant harm. Specifically, I was in the process of applying for pilot school loans, but my application was denied due to the adverse entry from Prince Parker. This unjust reporting and lack of notification have caused substantial financial and personal harm. 

I request a thorough investigation into these violations and for appropriate corrective action to be taken, including the immediate removal of the inaccurate account from my credit report and any other remedies deemed necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. Someone has my personal information, and has been putting in for credit application. I was just became aware of this the morning of XX/XX/XXXX. These are the following creditors that have pulled my report, and the dates. Some of them have pulled multiple times from Experian, XXXX, and 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 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 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 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
Product: Credit reporting or other personal consumer reports

PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802. I AM INVOKING MY RIGHTS UNDER 15 USC 6802 TO OPT OUT OF THE DISCLOSURE OF MY PERSONAL INFORMATION.

The following items listed below is in violation 
of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. 

XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX are reporting transactions as late to XXXX, XXXX, and TRANSUNION which is in complete violation of the law and I have attached a copy of my credit report as proof of discrepancy. 



( ( 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ) ) My Transactions or experiences with your company by law are excluded from my consumer report and I need this transaction or experience deleted from my consumer report. 

There is NO LAW that states you have to report a transaction as a late payment if so please provide that law which you can not provide because there is no such law that exists.The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


I requested that XXXX XXXXXXXX XXXX XXXXXXXX provide me with the tracking number of the periodic statement that was mailed or Delivered 21 days before my payment due date along with all the information required by section 1637 ( b ) and they did not send me this tracking number because it cant provide as to they never mailed or delivered a periodic statement. So in this case I demand the deletion of all transactions listed as late on XXXX, XXXX, and TRANSUNION as they are unlawful to report and subject to {$1000.00} fine per each violation. 
I have kept a record of all documentation I have sent out and all phone recordings that will be used in the event of an action against the company and credit reporting agencies for consumer law violations, more specifically The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b .
Product: Checking or savings account

Applied XX/XX/XXXX.
Opened XX/XX/XXXX.
Got all paperwork XX/XX/XXXX. {$500.00} ACH from XXXX posted to WFC X/X/17 no bonus triggered. {$1.00} x XXXX XXXX reload ( X/X/17 ) posted X/XX/17 no bonus triggered. No bonus as of writing ( X/XX/17 ). {$960.00} ACH from XXXX posted to WF X/X/17 no bonus triggered. Secured Message from Wells Fargo X/XX/17 : WFC told me The {$250.00} credit will post after XX/XX/2017. No bonus as of complaint ( X/XX/17 )
Product: Student loan

I have a Private student loan with UAS ( University Accounting service, LLC ), that before it was XXXX. I called them today to talk about XXXX XXXX for Borrowers who attended XXXX Colleges between XXXX. They said that the Loan services is XXXX and they are not on the program of forgiveness, the only thing that they allowed to offer was Forbearance, paying {$20.00} a month but interest still accrued.
Product: Money transfer, virtual currency, or money service

I am trying to link my XXXX app to my bank account and the bank won't allow it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of reviewing my Consumer Reports in detail and noticed that I had several late payments on a closed account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 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 Please investigate and provide Proof with statements showing these payments were late. If proof can't be provided, I demand these payments be updated to on time payments as they should be as I was NEVER EVER Late on any of these accounts. Thanks.
Product: Debt collection

Issues with Midland Credit Management : 1. They call when told not to during work hours - repeatedly. 

2. Call several times a day and every day. 

Wife 's phone : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX My phone : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX Total for 4 days : 24 phone calls 3. They left intimidating / harassing voicemail. Attached the voicemail to this complaint. 

4. Sometimes when they call, they call with their phone number blocked - verified in person. 

5. They lied about my wife 's financial situation - they told me that she only had this one bill that was in collections, that I should help her out when it reality she already had one in collection, this is her second one, that they had looked at her credit report. 

Midland Credit Management called on XXXX XX/XX/2019 on my XXXX year old daughter 's phone line with their number blocked. So I gave them my number and told them not to call my daughter 's line since she is a minor under the age of 13. 

On XXXX XX/XX/2019 spoke for 23 minutes to first a woman, then a guy, the guy wanted me to assume my wife 's debt, I told them that it was my wife 's debt, and that I wasn't going to assume her debt but that I would check into it and not to call back, that I would contact them once I found out what is going on ( I wasn't aware of this situation with my wife ). He got really pushy in general, and said that they might sue my wife, etc and I told him again not to contact me or my wife any more and he said that I couldn't tell him not to contact my wife, and that that he could contact my wife - yet my wife 's phone is on my phone plan so it technically it is my phone line since she doesn't have her own. 

They have been calling my wife as work, she told them the first time on XXXX XX/XX/2019 that she couldn't take calls at work, and they called her again ( with the number blocked ) on XXXX XX/XX/2019 and she answered it, and told them again that her place of employment does not allow personal phone calls during work hours. Again today they called my wife at work with their number not blocked and she didn't answer it. Midland Credit Management has been harassing my wife at her place of business when they know she can't be on the phone during her work hours. 

Midland Credit Management also has been calling my phone number, up to 4 times a day even though it isn't my debt, but my wife 's debt. Also they left a voicemail with basically a heavy breath which is harassment ( I still have that on my voicemail ). They have called me 12 times in the last 4 days. 

Midland Credit Management has not provided any correspondence via USPS mail validating the debt, the first contact with them was the phone call on XXXX XX/XX/2019.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bareau, In our FACES XXXX is acting, performing, delinquency as a real and professional Fraud Company As a real XXXX. I HAD ONE AND OVER PROVIDE PROOF OF MY IDENTITY, AND the information they provided representing XXXX and XXXX XXXX as they keep covering their back. PLEASE CFPB review my Documents and see that XXXX  Documents had not any revelance, incorrect information, name, last name, no work info, driver license, a copy of social security number, who the XXXX In the world on this days would barrow at least {$1000.00} without the kind of information. I haven't been able to get a loan by now not even with my XXXX XXXX XXXXXXXX, AND I BEEN WITH THEM OVER 5 YRS. 

On the other hand they are deleting the right information on My account instead of the wrong information contained within and is affecting my credit report and score. 

If XXXX who I provide the same information contained within to proof my identity had already deleted XXXX and XXXX XXXX of my credit report file why XXXX is not.! It's that I'm the only XXXX  person on this world or they playing XXXX  AND looking to the other way. I never file a Dispute to my correct HOME ADDRESS OR CREDIT XXXX XXXX ACCOUNT, SERIOUSLY. I WANT XXXX TO GIVE PROOF OF THAT ME FILE OR CALLING TO DISPUTE THAT INFORMATION. 

I also had DELETED HARD INQUIRIES THAT SHOWS ON THE EMAILS BUT IF I LOGIN TO THE ACCOUNT STILL SHOW ON MY CREDIT REPORT. 

PLEASE CFPB LOOK AT MY ATTACHEDMENTS. I'M SO XXXX  THAT I want back and got their membership back again because I thought they done a good job.
Product: Credit card or prepaid card

On XX/XX/2021 i received a credit card from Capital One Inc. Each month i made ACH payments. On XX/XX/XXXX, I scheduled a payment from my bank XXXX XXXX XXXX XXXX during so an error had happen where the payment was rejected and reentered several times through Capitol One application. I called and spoke to a representative and was informed let the process take its course and it will be adjusted. On XX/XX/XXXX i had a schedule delivery for a XXXX XXXX XXXX credit card also through Capitol One when i went to the app to activate said card it wasn't allowed. I then proceeded to call and spoke with an fraud specialist at that time the account was closed without any explanation. i was then transferred to another tier specialist. I was informed that the accounts were both closed due to fraud and there wasn't anything I can do or even an explanation. I asked about payments and balances and were informed I wouldn't have to pay anything because of fraud. I later seen my credit report and immediately lost XXXX points and received a three month late payment. I disputed and called to have been told there's nothing I can do.