23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, WA XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX, California XXXX RE : Unauthorized Inquiry into My Credit Report by Midland Credit Management Acct # : XXXX & XXXX Dear CFPB, I am writing to file a complaint against Midland Credit Management ( MCM ) for unauthorized inquiries into my credit report. 

I have obtained a copy of my XXXX credit report, which reveals that MCM accessed my report twice on XX/XX/XXXX, and twice again on XX/XX/XXXX. I have not had any prior communication or dealings with MCM, and I did not authorize them to access my credit report. 

The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 3 ), limits the permissible purposes for which a furnisher of information ( like XXXX ) can share my credit report. According to the FCRA, a permissible purpose includes a legitimate business need related to the collection of a debt. However, since I have not had any prior communication with MCM, their inquiries can not be for a legitimate business purpose. 

These unauthorized inquiries have likely resulted in a negative impact on my credit score. I request that the CFPB investigate this matter and take appropriate action against MCM for violating the FCRA. This may include requiring MCM to cease any further unauthorized inquiries and to compensate me for any damages caused by these violations. 

I have attached a copy of my XXXX report highlighting the inquiries from MCM for your reference. 

Thank you for your time and attention to this matter. I look forward to your response and the CFPB 's assistance in resolving this issue. 

Sincerely, XXXX XXXX Enclosures : Copy of XXXX Credit Report ( Highlighting MCM Inquiries )
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred to XXXX XXXXXXXX XXXX a few months ago. 

They sent me a letter telling me that my mortgage has changed to them and asked for my bank account info for payment - which I found suspicious since the loan number was different and I hadn't received anything saying XXXX XXXXXXXX XXXX was my new lender from my existing bank ( XXXX ). They had said my loan would be transferred to " XXXX XXXX XXXX ''. 

I called XXXX to figure out if it was legitimate or fraudulent. They had the right info about my existing loan so I ended up setting up my account and signing up for automatic payments over the phone. 

Then a couple months later I got a notice in the main that my account was delinquent. I called and it turns out that the automatic payments wouldn't kick in for 2 months ( which they never told me on the phone ), and once the payment was missed, the automatic payments were cancelled too. 

After calling I immediately paid the balance and called back to verify it wouldn't be reported as late to the credit bureau, but it turns out they had already sent the delinquent status to the credit report. 

They promised that they would fax letters to the credit bureaus to remove the negative marks, but that was several weeks ago and the negative marks still remain on the credit report. 

I've emailed and called them several times and still have gotten no response from them about the issue with my credit being resolved. 

The XXXX online presence is extremely dated and difficult to navigate ( e.g. to tell what the outstanding balance is or set up automatic payments ). In this case my flawless credit of XXXX dropped nearly XXXX points due to mix ups in their payment systems that weren't communicated to me, and now several weeks after I've paid the balance and discussed the credit issue with them they've failed to address it with the credit bureaus.
Product: Credit reporting or other personal consumer reports

I have not authorized, nor recognized the following inquiries. These statements are shown from 3 different credit bureau. 
As an action Ive placed a fraud alert on my credit with Experian until l get to the bottom of this matter. 

XXXX 8 unauthorized inquiries : XXXX  XXXX : 5 Inquiries date : 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 XXXXXX/XX/XXXX The following are unauthorized mixed with unknown inquiries from lenders, banks, credit cards all without my knowledge. 

Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/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 XXXXXX/XX/XXXX Following are credit cards inquiries unknown XXXX XXXX XXXX XXXXXXXX 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

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} {$0.00} XXXX XXXX XXXX {$0.00} XXXX / XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2500.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$700.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$600.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I WAS TOLD BY XXXX XXXX THAT I WOULD N'T BE CHARGED FROM MY CREDIT CARD UNTIL I SIGNED AN APPROVAL. WELL OF COURSE AS SOON AS I GAVE HIM MY CREDIT CARD, I WAS CHARGED THE NEXT BUSINESS DAY. I HAD A HOME APPRAISAL DONE, I WAS TOLD BY MY AGENT THAT I NEEDED {$150000.00} APPRAISAL TO GET THIS DONE. MY LAST XXXX APPRAISALS WERE AS FOLLOW ; XXXX {$170000.00} XXXX {$170000.00} XXXX {$160000.00}. WERE IN A SELLERS MARKET, THE BEST ITS BEEN IN XXXX YRS. AND I GET LOW BALLED BY {$54000.00}? AND THIS IS AFTER I HAD MY WHOLE BATHROOM DONE, A NEW ROOF, ETC. THEY TOOK MY MONEY AND THEY KNEW I WAS NEVER GETTING A LOAN.THEY HAVE THE MAIN OFFICE IN XXXX XXXX NJ XXXX AND AN OFFICE IN XXXX NJ, XXXX.
Product: Credit card or prepaid card

I have repeatedly tried to pay this card off and have met resistance over and over again. Capital One has not one time complied with their agreements made with me including payments. I originally applied for this card due to their loyalty program regarding in time payments for 6 months and due to their reluctance in accepting payments and complying with terms agreed upon within the contract and personal agreements between myself and their associates I was kicked out and now I have accrued late fees, return payment fees, and interest that should not have been added. I finally got fed up and closed my account and that was when the real trouble began. 

Several times my payments were not recorded due to Capital One refusing to process payments an/or claiming they never received them even when I proved through receipts, bank statements, and/or copy of money orders. Most recently we both agreed to a XXXX XXXXXXXX payment to be processed on Tuesdays and they have changed it to Wednesdays without my knowledge or consent. Two weeks ago on the XXXX of XXXX this agreement was made and a {$25.00} payment was made that day which was processed on the same day and taken out of my account the following day. Last Tuesday a payment was not processed so I called Thursday, the XXXX, and that was when I found out the payment date was changed to Wednesdays and that the process takes 3 days. Today makes the XXXX day and still no payment process Yesterday, the XXXX, I called to cancel weekly payments and the payment from last week still had not been processed. I am sick and tired of the laziness of this company that is destroying my credit and has been for almost 2 years. This is not the first time I have had this issue with them. They have done this exact same thing on the other card I had with them and I want this off my credit IMMEDIATELY!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$670.00} XX/XX/2020 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received documents yesterday in the mail, after having been contacted by phone earlier in the week by XXXX. I told the callers that I would wait until I saw the physical evidence of the outstanding bills and that I wouldnt be paying them by phone. 
One reason I said that is because my hospital stay, which these bills are related to, was more than two years ago. I did explain in the phone conversations that I had paid my portion of any and all bills that Id received. This one, in particular, I never received not only an original, but I never received any type of follow-up that it was past due not from the practitioner, nor from XXXX, my insurance carrier at the time. The first Ive heard about it was now that its been sold to this organization.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Transunion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a child support account opened at XXXX of XXXX XXXX opened on XX/XX/XXXX under account number XXXX XXXX XXXX of XXXX XXXX opened on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, personal loan account opened XXXX XXXX opened on XX/XX/XXXX under account number XXXX. These hard inquiries XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On XX/XX/20 I applied on line for mortgage relief through CARES act. I applied 2 more times because I never received confirmation that my request was received. I called XX/XX/20 and was told that I would be notified by mail and that I would receive 6 months of mortgage relief ( no payments ) but at the end of the program would need to make arrangements to catch up payments with no interest or late fees ( balloon payment ). As I understood the program that process was distinctly discouraged and rather apply missed payments at the end of the loan ( 6 month loan extension ). What they are doing now doesnt necessarily help consumers because now I'm worried if I cant make up {$6000.00} worth of missed payments I will be foreclosed on ( stressed out ). Please let FLAGSTAR BANK know that their interpretation of the CARES act is inaccurate and they need to change their procedure regarding this program that is ment to help consumers.
Product: Student loan

This people called stating that they were part of and student program that Im actually already and and made it seem like it was for my well beings and had me believe its wasnt fraud got my personal info and now is requesting for money that I dont have and asking for government money and debit cards and harrassing me to pay off a student loan that at XXXX  dollar rate .XXXX  is the company they have no website they call from different numbers they text you every other day and they email fake payment options I am a victim and trusted this people and now Im in a situation with my personal info please help.
Product: Student loan

I have checked the closest options but I will tell you my real issue. I applied for the Federal Public Service forgiveness plan. I am a XXXX in a XXXX XXXX XXXX and have fulfilled the requirements to receive this forgiveness towards my student loans. I believe that I am eligible to have {$17000.00} deducted from my student loans. I am an XXXX as a XXXX XXXX XXXX. 

I was denied because of past outstanding payments to my student loans. I will say that I have worked very hard as a XXXX  and was put into an unfortunate situation where payment of my loans was difficult. I have utilized forbearance and deferral to get past this issue. I have since paid off my student loans that I incurred when I initially attended school beginning in the early XXXX XXXX. The student loan debt that I now have was incurred as I obtained new licensure as a XXXX XXXX and then as an XXXX XXXX. 

I have been unable to completely pay off this debt and part of the reason I did incur this debt is because my husband lost his job in XXXX due to the economic upheaval that was happening at the time. He had a very good job that paid a very good wage. The company he worked for closed its doors. I would have never obtained student loans if my husband had not lost his job. I would have had the financial means with which to pay for my continuing education. 

I think that this system should be reevaluated and that each person 's situations should be accounted for. I have fulfilled the obligation of XXXX  in a XXXX XXXX XXXX, that is where all my XXXX  has occurred, and I am a highly qualified XXXX of XXXX. I would love for my entire student loan debt to be forgiven but will be more than happy to accept the minimal forgiveness of {$17000.00}.
Product: Debt collection

This is a third party collection I have no idea about my identity was stolen years ago and all these collections agencies are saying I owe them its against the law to sell someone identity and collect third party dept I dont owe them nor do I know them
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently reporting illegal activities on my credit profile. ( Please see attachments ). 

Portfolio recovery and associates- is a reaged account that appears on my Equifax credit profile XX/XX/2019. This is a violation. Please remove this account immediately. 

XXXX XXXX XXXX XXXX- is reporting a past due amount on a collection account. This is a violation. Please delete this account immediately. 

XXXX XXXX XXXX XXXX is currently delinquency on a collection account. Please delete immediately.
Product: Debt collection

I used to own a house and unfortunately I had to rent. I ca n't live in there because of my job requirements ( I had to move to get a job when I got laid off ). The house is rented and I manage the property. The house living room developed a water leak issue due to a broken gutter. Additionally I needed mold inspection and ESTIMATES to be delivered to ensure a safe environment for my tenants. My tenants contacted a company called XXXX XXXX XXXX that did the inspection ( which I paid for ) but never gave me an estimate on the work required. I called them multiple times but did not receive any paperwork or verbal estimate. My tenants also claimed that they did not have an estimate. At some point they came in to do the work ( I kept calling ) despite the gutter not being fixed. Note - the gutter was NOT fixed and the mold could not be effectively fixed ( water still leaking ). XXXX XXXX eventually left without doing the work. Finally after the gutter was fixed, I asked them to come in and they told me that I have to pay the full amount because they had already come in and attempted to do the work. Note - the work was never done. Now they have submitted a claim to the collections agency which will hurt my credit and financial status. My tenants have left and are not claiming any responsibility. I was never sent any estimates or contacted about the work. In short I never approved any work, nor did I receive estimates, nor was the work completed. Instead I am stuck with a payment for a service I did not incur and benefit from.
Product: Credit reporting, credit repair services, or other personal consumer reports

i n 2010 someo ne filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FCR A 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has  to be remove
Product: Debt collection

MY EX HUSBAND XXXX SENT MEN OF HIS OWN ON XXXX TO XXXX TO XXXX FOR CONTINUED DEBT AFTER MINE WAS FORGIVN BY THE MERGER OF AIRLINES AND OTEHR COMPANIES AND STARTED ANOTHER DEBT ON ME FO CLOTHING AND OTHER TO XXXX THREATEN ME ABOUT ILLEGAL COURT FORCED TO FILE AGAINST FTC ORDERS COURT DECREES OF THEIR ACTIONS I NEED HELP ASSISTANCE WITH THIS MATTER MAY I SEE AN ATTY AT FTC I NEED AN APPT PLS EMAIL ME AT XXXX AS MY LITIGATION AND LEGAL RIGHTS AND MY CREDIT HAS BEEN HARMED SINCE XXXX WHEN I STARTED SEEING INTO THIS ILLEGAL OIL LITIG SET UP OF OLD BAD XXXX AND XXXX CRIMINAL XXXX AREA FILES OF THEIR OLD CREDIT CARD XXXX CRIMES AND DEBT ILLEGAL MAKING ON ME AS THEY PROMISED NOT ABEY OF FTC AND FEDERAL COURTS OF XXXX WHICH I SAW IN XXXX AND XXXX ATTYS WILL NOT STOP EITHER AS THEY OWN THEIR OWN LEGAL CORPORATION ON XXXX IN THIS MATTER
I NEED ASSISTANCE IN RESTOERING ANDD FORGIVENESS OF CAUSED ACTION IN DEBT
THEY VIOLATE 15 USC 1601 STATUES CODES EVERY DAY TO ME AND INSIST ON SUCH TELLING ME DO NOT PAY MY DEBTS AS THEIY WILL TAKE CARE OF IT IN XXXX R XXXX OR XXXX DEBT MAKING COMPANIES OF CLOTHING AND XXXX OF THIS MATTER THEY HAVE BEENTOLD BEFORE AND DO NOT QUIT A XXXX COURT FEDERAL OF DEBT COLLECTION COURT DECREE I SNSET YOUR AGENCY A FEW YEARS AGO
Product: Debt collection

THEY HAVE BEEN TEXTING AND CALL SAYING AMOUNT IS DUE AND ITS TIME TO MAK APLAN THEY TEXTED ON MONDAY, XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 loans that are 10 to 12 years old? Is that fair when I know for a fact they should be gone and Im always told it will be gone in 7 years? Here are the pictures of how long these companies will hold on student loans against someone. It isnt fair it isnt right. I have tried every way to get these removed and they are still here? Why? Why! Why? 10 to 12 year old student loans. Im tired of being mistreated wrong. Im tired of having bad credit due to overly old situations. This isnt fair this isnt right 6 loans thats been on my report for over 10 years.
Product: Debt collection

When I vacated apartment to purchase a home, XXXX XXXX ( complex ) charged me for costs associated with maintaining a pet in addition to retaining the {$300.00} deposit. During this time the complex was acquired by XXXX XXXX, a large firm with national apartment complex holdings. I paid the charges in full during the transition from XXXX XXXX to the acquirer, XXXX XXXX but the accounting systems between the XXXX did not account for all the payments made. I contacted XXXX at XXXX XXXX and the matter was resolved after getting harrassing calls and letters from XXXX XXXX, another collection agency. Subsequently and for a long period of time, XXXX XXXX ceased collection efforts on this previously paid debt. Now, recently they have apparently shifted collection efforts to yet another COLLECTION agency Alpha Recovery Corporation ( ARC ), XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ARC resumed collection activities on this paid obligation, calling my place of business and home and even my father 's home number in another state. I have written them and advised them to cease collection efforts, referring both to XXXX XXXX correspondence as well as that of XXXX XXXX the entity who has confirmed that the obligation is fully extinguished. Had XXXX XXXX proceeded with filing the claim on my renter 's insurance at the time, the charges would have been fully paid by the insurer. As a result, XXXX XXXX XXXX XXXX XXXX should in fact reimburse me {$720.00} in monies I paid as a result of them failing to proceed with filing a claim as requested.
Product: Debt collection

National Credit Systems is harming my consumer report by placing a collection on my profile that is not true. Me and the joint owner contacted the original creditor, and we was told it was an electric bill which is also false. I have proof documented that our last electric bill was paid in full and received a refund check from XXXX XXXX  Also we moved into another property that also uses XXXX XXXX and they didnt mention anything about owing them. This inaccurate information is harming me from making future financial decisions. I have attachments below with dates attached to prove my statement.
Product: Debt collection

I am writing to address a compliance issue regarding the failure to remove fraudulent accounts from my credit report, despite confirmation from the respective banks over the phone. XXXX has already completed their report by removing the fraudulent accounts. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I sent letters via certified mail, as well as made phone calls, to this company requesting information about the origin of the debt. I informed them that my information was exposed in a data breach, and I would like to know how they received my information. I also requested a copy of origin contract, or any documentation showing my signature and proof that this debt is mine. I received nothing in return. I have been reaching out for months and still have received nothing. I'm not even sure what this company is. When I tried calling, they claimed they bout my debt from a credit card company, but my only credit cards have been through XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and I bank througXXXX XXXX XXXX XXXXXXXX. None of these are associated with this debt, as I have contacted all of my credit card companies as well. They were very rude when I spoke with them, refused to allow me to speak to a supervisor, and essentially told me I was lying and dismissed my concerns, which led to my contacting them via certified mail.
Product: Prepaid card

Rushcard has tied up XXXX $ since XXXX XXXX they charging me a double transaction at XXXX XXXX for XXXX atm withdrawal of XXXX plus atm fee. I contacted the atm company they assured me that it was only ine transaction on their end. XXXX XXXX owner of Rush card is claiming through social media the problems are being addressed he shut his customer service phone lines down for the first week now they answer but cant give any answers except system failure hundreds of thousands of people are affected and many states has air newscast about this. I just want my XXXX {$.00} .please help!