23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Mgmt ( My XXXX app labels it asa SCAM ) continues to call my number up to 12 times daily seven days a week using multiple numbers. I do not have a collection with this company! No messages ever left ... just silence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is FRAUDULENT / FRAUD. 
On XX/XX/XXXX at XXXX XXXX someone opened a fraudulent account in my name. 
This account is unauthorized and not of my knowledge. I reached out to XXXX XXXX to dispute this claim directly with them but the account remains on my credit report. 
I have been disputing this negative account since XX/XX/XXXX with a total of about 5 phone and online disputes and maybe 1 direct letter sometime after that through Experian. Experian keeps saying this : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. In every dispute I requested validation of my signature and documents pertaining to this fraudulent account that Experian insist is accurate. Experian has yet to provide me with any of my requests as my credit remains AFFECTED. This is also my second CFPB report containing a complaint about this same exact fraudulent account. If Experian can't provide a transparent method of verification showing the accuracy of this fraudulent account in my name through XXXX XXXX with my signature on legal documents THIS ACCOUNT NEEDS TO BE DELETED AND REMOVED from my credit file / report. This a VIOLATION of FCRA laws.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report today, and I am baffled as to how they got there. This issue is entirely new to me, as I routinely check my credit report. Refreshing my browser didnt helpits not a glitch, and the inquiries persist. I am extremely frustrated and demand that my documents be examined thoroughly so this never happens again.
Product: Credit reporting or other personal consumer reports

An unknown address continues to appear in my credit report XXXX of them, with an unknown name. Both addresss are not mines. This is identity theft of my adress, I have never lived at theses addresses. I need them removed. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX New York, NY XXXX XXXX XXXX Str Bklyn, NY XXXX XXXX
Product: Credit reporting or other personal consumer reports

Affirm , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Dispute and Request for Debt Validation To Whom It May Concern, I am writing to formally dispute several inaccuracies I have identified related to accounts associated with Affirm that are appearing on my consumer report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to request validation and detailed information regarding these accounts.

The following account numbers are in dispute : XXXX XXXX XXXX Specifically, I am requesting that Affirm provide the following information : Verification of Debt : A detailed breakdown of the alleged amounts owed for all accounts, including principal, interest, fees, and any additional charges.

Original Creditor Information : The name, address, and contact information of the original creditor for each account if the debt was transferred or sold to Affirm.

Proof of Authorization : A copy of the signed agreement or original contract for each account that allegedly obligates me to pay.

Ownership Documentation : Evidence that Affirm , Inc. has the legal right to collect these debts, including proof of assignment or purchase of the accounts.

Details of Reporting : A full accounting of any information reported to consumer reporting agencies for each account, including dates and statuses of reporting.

Until the requested information is provided, I request that Affirm immediately cease all collection activities and ensure that any reported accounts reflect their disputed status in compliance with federal law.

If these accounts can not be validated, I demand their immediate removal from all consumer reporting agencies. This letter is not an admission of liability for any alleged debts and is being sent solely to ensure the accuracy and validity of the information being reported.

You have 30 days from the date of receipt of this letter to respond and provide the requested information. Failure to comply may result in further actions, including arbitration or other remedies, to protect my rights.

Please mail all correspondence regarding this matter to my address listed above.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I reached out to my Mortgage provider ( XXXX XXXX ) and requested information on how to remove XXXX  from my loan. They informed me that i needed to reach XXXX  % of my loan to value ratio, or i could have my property reassessed and meet an XXXX  % Current value with XXXX. 

I paid for a reassessment {$XXXX}. They hired a person to complete the assessment and it came in {$XXXX} hirer than XXXX %. I paid {$XXXX} to meet the XXXX % requirement. after meeting this threshold i was informed that my improvement were not sufficient. I was informed by an agent on the phone that my improvements, which include a massive back patio, landscaping, and electrical work should qualify without a doubt. 

I requested a list from the lender of what is all considered " Approved '' improvements but have not received a response. I believe that the lender is intentionally denying my claim without sufficient explanation to force me to continue paying XXXX
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 federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

1. U.S. DEPARTMENT OF EDUCATION XXXX 2. XXXX XXXX XXXX XXXX. XXXXDEPARTMENT OF EDUCATION XXXX 15 U.S.C. 1681 SECTION 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 a account without my written instructions. 

15 U.S.C. 1681c. ( A ) ( 5 ) SECTION states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also I reading the FCRA and noticed the Credit Reporting Agency violated these Laws as well. 

15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681a. ( e ) 15 U.S.C. 1681b. ( A ) ( 2 ) 15 U.S.C. 1681i. ( 5 ) ( A ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 someone try to open an account with CBNA and XX/XX/XXXX TWO HARD INQUIRY
Product: Credit reporting or other personal consumer reports

In 2019, the automobile that the loan is in question four was in an accident and considered totaled. The insurance company paid off all but {$9000.00} at the time of the loan application with the car dealer the additional extended warranty was taken out as well as gap insurance, the car dealer did not submit the gap insurance paperwork or the extended warranty paperwork. I contacted Chrysler corporation and advise that I had paid for the gap insurance. They informed me that it was not on the account I went back to the dealer they assured me that they had submitted it, and that they would reach out every time that I have contacted Chrysler Corporation. They refuse to listen so I stopped paying the loan come to find out the car dealer not only didn't submit the gap paperwork. They have put falsified information on the loan application such as a address, and a phone number, which do not belong to me, I became aware of this recently and I contacted Chrysler corporation and they refuse to listen or understand what I'm saying. I have disputed this multiple times with XXXX XXXX, XXXX and XXXX the last time that I disputed it Chrysler Corporation updated my information to my valid information and now they are trying to collect on it again and it's now reporting that it's delinquent and it's affecting my credit file again, I'm trying to have it completely removed because the information that was provided by the car dealer which is no longer in business provide it on the application an address of XXXX XXXX XXXX XXXX. in XXXX Delaware and a phone number of XXXX as my legitimate information which is not correct it's false, and based on that I'd like to have this completely removed from my credit file. Upon further review of the paperwork from XXXX, XXXX Chrysler and XXXX also the buyers date of birth is incorrect, and the buyers drivers license number is incorrect. The only thing that's listed on this account application or the paperwork is my name all information is listed wrong XXXX in XXXX. XXXX XXXX is not correct at XXXX date of birth is on these correspondence is XXXX XXXX. My date of birth is XXXX XXXX. The drivers license number is XXXX. My drivers license number is XXXX Where they obtain this information I do not know also, it shows on my paperwork that the protection group I show I have insurance XXXX insurance. I also show XXXX insurance I don't know what that is but it shows that I have the extended service plan, XXXX insurance, and XXXX XXXX, and according to my documentation, I have submitted this, and they refuse to accept it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wi the fair credit reporting act, XXXX XXXX XXXX XXXX account number XXXX has violated my rights and HIPPA violation 15 U.S.C 1681 section 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am writing this letter to inform you of, what seems to me, to be a lending practice that discriminates against women by requiring additional documentation from female loan applicants. I have cancelled my transaction with the lender but felt it was important to report this practice as it may affect others in the future. 

I was attempting to refinance my home to consolidate my first and second loans, benefit from a lower interest rate and take some additional cash out to pay off a student loan and do home improvements. I have plenty of income, tons of equity in my house and significant other assets and net worth. I spoke with a loan officer and did not foresee any issues. After massive amounts of documentation was provided, the lender then requested I send copies of my separation agreements from two long dissolved marriages so they could be assured that I didnt have any obligations to my ex-husbands that they needed to know about. The first separation agreement was entered in XXXX, several years before I purchased, as a divorced woman, the property in question. 

Here is a little background. I purchased my house as the sole owner in XXXX and have been the only owner and borrower ever since. I have never owned this home with another person nor has any other person been a borrower or co-signer on the loan. I have refinanced it once and taken out a home equity loan since I purchased it. Never have I been asked for this documentation. In fact, never have I been asked for this documentation for any reason ever. It is simply not relevant. 

As part of the transaction, I was also adding my current husband to the deed and the two of us were co-borrowers. No such request for this type of information was made of my husband. In fact, it was never asked if he had been married before or had any contractual agreements with any individuals. When I questioned the lender about it, I was told my name change triggered this request. That is clearly discriminatory as in the overwhelming majority of cases, it is only women who change their name due to marriage. This practice puts an unfair burden on women to prove they dont have any lingering obligations to past spouses and does not require the same of men. 

I have not faced this sort of blatant discrimination since the time I attempted to purchase a car in XX/XX/XXXXwithout my husband present. My experience has been these archaic practices toward women and marriage ended long ago and I was quite surprised to find it rear its ugly head in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a payment to capital one. I have a minimal {$300.00} limit, They FROZE my card due to " fraud " this is also not the only time this has happened. There was NO FRAUD on this account and I proved it. This happened in XXXX or XXXX and I spent 4 hours trying to fix it but did not make a large complaint then trying to be a good consumer. I called on XXXX when I noticed I couldn't use my credit card even though I have available credit of {$45.00} I couldn't use it, I needed to buy gas to get around and run errands. I spoke to an agent at XXXX XXXX and they said I needed to call back after they already had me on hold for 15 mins I said I understand and was annoyed but figured I could call later. I called capital one around XXXX XXXX and got transferred to the fraud department were they didn't tell me why just said I needed to " verify the accounts on file " I verified the payments made and then was told we need to call each bank ( 3 banks on file I use to make payments.that is my right as a consumer ) to verify I own the bank accounts even though one of them was with capital one them selves. I sat on the phone for a 1 hour and 15 min with the rep and when asked for a manager I was told that I needed to do the process all over again. The bank information they were trying to verify was clearly me, but I am still on the phone with them for 2 hours and 45 mins. Then the manager told me I had to call the bank with them all over again, we did with capital one first, the first rep hung up on me the second was fine, we then tried to call the second bank ( XXXX XXXX ) and she wouldn't call them because I said I could three way the call because Capital one couldn't three way the call, they had no reason why maybe tech issues no clue no reason given, but that's a lie because the rep prior DID ALLOW me to three the calls from my line- all calls are recorded so I have proof she allowed it, MISS LEADING INFORMATION, when we got to the last verification is was on a XXXX XXXX card and there are no reps to call on XXXX XXXX so the rep had me download docs for 30 mins. I want a refund for my time spent on the phone for almost 3 hours as well as then to pay for my calls per min 180 mins I have spent on, minimum. XXXX cents per min on XXXX x 180 mins I want sent to me ... ...... When I asked the manager to release my available credit she started to say no until I yelled. My blood pressure was up XXXX talking to these reps I had to sit down, I also want to be reimbursed for them misleading information one rep telling me yes and one telling me no, also I want to be reimbursed for the fact that they keep assuming and accusing me of fraud, I would and have never been fraudulent. At the end of the call at XXXX she finally said ( manager name XXXX ) she will clear the available credit XXXX XXXX XXXX was the customer line. I was given misleading information and treated like a criminal. I would like to be reimbursed for the illegal actions they did today. FINAL TIME WAS 2 hour and 45 min. Laws Broken - fairness and transparency, misleading info, uddapp, illegally stating I was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed multiple complaints with XXXX and asked about this dispute multiple times ; they took longer than 30 days to give a resolution ; and stated that they forgot the dispute number and to just file again. Every time there is a resolution ; I call to find out why they decided one way and I never get any information. 

I was not notified of the student loans correctly and they sent information to an old address from my freshman year in college of the loan being due. This has adversely impacted my credit and I have not been able to get any information from XXXX! 

- XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied for the public service loan forgiveness program ( PSLF ). My loans were transferred from Nelnet to XXXX. In XXXX of XXXX, XXXX informed my my application was complete and my loans have been forgiven under the PSLF program. The loan information was moved to XXXX but Nelnet is still reporting to credit bureaus that I have a balance with their company. This is despite the fact that on Nelnet 's website, they reflect I have a XXXX balance. I contacted the company on a prior complaint and they reported back that the ~ {$34000.00} balance is correct. I contacted the company via phone last week and the customer service agent confirmed my balance is {$0.00}. I asked the agent to have Nelnet report to the credit bureaus. I received a letter on XX/XX/XXXX stating Nelnet is correct in their reporting and will not change the information. This is despite the fact that my loans were moved from them in XX/XX/XXXX. 

Attached are documents from Nelnet informing me in XXXX of XXXX that the loans were being transferred, a screenshot of my stated balance with their company pulled from their website, the letter I received this week, and then the forgiveness notification from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account that just appeared on my credit report. I have no idea what this is or who this is for because I have received no communication from anyone regarding this debt. Because of this, I can not confirm if this is a debt that would have been owed nor was I given the opportunity to dispute this debt should it be found to be incorrect as required by law.
Product: Debt collection

I rented a vehicle from XXXX XXXX XXXX  They are accusing me of causing {$750.00} worth of alleged damage to a rented vehicle. Any and all scratches, or other damage to the rented vehicle was already present at the time that they rented the vehicle to me. I do not know what the dates are because they will not respond to any of my requests for information. I have been requesting this information for more than a year. As a member of their rental program, I rented from them often in various states. All of the vehicles that I rented were covered by my insurance company, XXXX, so there is no reason for me to damage a vehicle and not file a claim, if I did any damage, which I did not. 

I have also requested from the Radius Collection agency the same information and they said they have requested the information from XXXX, who has not provided the proof as requested.