23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus last XX/XX/XXXX to fixed this suspicious information. I think you have not investigate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. These items was already included in my prior complaint and I included it again : XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These two accounts listed are not my accounts. Please remove them.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint Against [ Midland Credit Management ] To Whom It May Concern, I am writing to file a formal complaint against [ Midland Credit Management ] for their unlawful and unethical debt collection practices, which have violated several provisions of the Consumer Financial Protection Bureau ( CFPB ) regulations and the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to resolve this matter amicably, [ Midland Credit Management ] has persistently ignored my rights as a consumer and engaged in deceitful and misleading behavior. 
First and foremost, [ Midland Credit Management ] has failed to provide proper validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-S 2 ( 7 ) ( A ). I have repeatedly requested validation of the alleged debt, including any purchase agreement or forward flow agreement, but have received no satisfactory response. Without such documentation, I am unable to verify the legitimacy of the debt being pursued. 
Moreover, [ Midland Credit Management ] has engaged in false, misleading, and deceptive practices, as outlined in 15 USC 1681-S 2 ( 7 ) ( A ). Their actions have not only damaged my financial standing but have also caused significant defamation of my character. Despite my repeated requests for clarification and dispute of the debt, [ Midland Credit Management ] has failed to provide me with the opportunity to challenge the validity of the alleged debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Furthermore, I would like to emphasize that I do not have any contractual agreement with [ Midland Credit Management ] that would justify their pursuit of this debt. As such, their continued efforts to collect without providing proper validation information are both unlawful and unwarranted. Additionally, [ Midland Credit Management ] has unlawfully furnished information about this disputed account to consumer reporting agencies without providing the necessary disclosures, further violating federal law. 
Considering the above violations, I urge the Consumer Financial Protection Bureau to thoroughly investigate [ Midland Credit Management ] 's actions and take appropriate enforcement action. I request that [ Midland Credit Management ] be held accountable for their unlawful debt collection practices and that all negative information related to this disputed debt be promptly removed from my credit report. 
Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to ensure that consumers are protected from abusive debt collection practices. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Loan was set up for 16 WEEKLY payments, and after these were paid the lender is still trying collect additional payments out of my bank account. When I called the lender 's customer service department, they said my loan was set up for 16 months. the loan amount {$2100.00} and the payments were to be {$190.00}, which after 16 weeks is XXXX repaid. That was the agreed amount.
Product: Debt collection

On XX/XX/XXXX, I received a " Credit Alert '' from the XXXX companies I use to monitor my credit file. On XX/XX/XXXX, the information below apparently was posted to my credit file. The company is GLOBAL ASSET AGENCY in XXXX, AZ ( probably a shell company, since the address shown below DOES NOT match their " principal office '' address - or any other of their addresses, for that matter )! Side note : I was unfortunate enough to be part of the XXXX database hack. I was notified recently by XXXX of this fact. The hackers got EVERYTHING. ALL of my personal information. And now it just so happens this happens to me. A coincidence? I think not! 
I have been monitoring my credit file for XXXX years, and I've never heard of them. My Internet research shows they have an " XXXX '' rating with the XXXX XXXX XXXX, as well as this : " XX/XX/XXXX GLOBAL ASSET AGENCY, INC. is an Arizona **Foreign** For-Profit ( Business ) Corporation filed on XX/XX/XXXX ''. Reviewing the top three most recent XXXX XXXX XXXX complaints against them, all three complaints are within the last XXXX months, and all basically say the same thing : this company is fraudulent! The minimal research I have done already shows this company does not respond to email, letters, or phone calls. I would appreciate your help. Thank you. 

Additional Info Details SourceXXXX  Alert XXXX Balance Amount {$2300.00} Is CollectionYES Open XXXX Payment XXXX XXXX XXXX ( COLLECTIONS ) Status XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Money transfer, virtual currency, or money service

Opened a account with CHIME and it went great for the first several months. About 5 days ago i got a random notice from them stating that my account has been suspended for suspicious ID issues. I sent them multiple forms of valid ID and they STILL flat refusing to re.open my account ... right before my full salaried paycheck is supposed to be deposited into that account - tomorrow morning!!! Plus, my bonus check is supposed to hit this week also! I reached out to other disgruntled ex account owners who had posted rants about chime online on XXXX. Multiple ex account holders messaged me back and said they never got their $ back!!!!! SHUT THEM DOWN!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet and I am a victim of identity theft. I submitted a police report for fraud to the credit bureaus and no further action was taken.
Product: Mortgage

In XXXX of XXXX I received a check from the XXXX XXXX XXXX department with a letter stating that my escrow account was already paid. The check, made out to XXXX XXXXXXXX XXXX Department from First National Bank XXXX XXXX XXXX XXXX XXXX, PA XXXX, was returned to me, the homeowner with the letter. I then contacted First National ( my mortgage company ) about double payments. This is when the issues began. When they looked up my account, they could not see double payments. However, because I had the returned check, I gave them the check number and then they could see it. Balances of my escrow of debits and credits were not on and still are not on any of my mortgage statements. I have written 3 letters, spoken with XXXX at XXXX XXXX times, and have been waiting for a letter, or call back with an explanation as to where my escrow money is ( it should have been put back into my account ). This has been an ongoing issue since XX/XX/XXXX when I started making phone calls, sending emails, and writing letters. NOTHING has been done nor has anyone gotten back to me. My statements do not reflect the debit and credit of MY escrow money. I thought that any transactions had to be shown on my statements? I do not know what else to do with this but do know that there was a double payment and I can not see that the money was put back into my account since transactions are not reflected on my statements and no one can seem to tie the check of double payment to my account ON my account but in another system.... What else do I need to do and why are they not getting back to me or showing this information on my account?
Product: Credit card or prepaid card

I was referred to apply for my Amex Gold card on XX/XX/2019 and was advertised that after spending {$2000.00} within the first 3 months, I can receive XXXX Membership Reward Points. But after I met the spending requirement, they refuse my sign up bonus with no specific explanation, stating that I misuse the rewards program which I never have done so. Besides this, I also do not receive my 20 % restaurants purchase for up to {$100.00} statement credit. 

Before I applied for the card I have only had a Delta Gold account with Amex and never closed it or downgrade it. I use it to purchase tickets from Delta occasionally and it was very helpful to save my checked bag fee. I loved Amex cards so I decided to apply for Amex gold to use it for restaurants and grocery purchase as well. But in the end, this turns out to be a quite disappointing experience. 

Also their customer service also gave me misleading information, I called them many times, some told me to rest assure because I need to wait for about 8 weeks for my welcome bonus to be posted, but in the end, they were just declined with no clear reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX claiming a balance {$4200.00}. 
I was surprised to see this on my credit report cause i never had any business credit card or other with this bank. this matter decrease considerable my credit card payments. Talk to this company a few times about this problem they say they own an other company ( XXXX credit card ) a company was closed and disappear for more than 1 year without any notice or alerts. During their one year closed it detrimental for my business i can not using this card cause was closed with all available credit and can not pay the balance monthly cause no app or address for check or pay using any office or online pay by phone. everything was out of service for 1 year sin any proper investigation. 

XXXX XXXX XXXXXXXX XXXX {$310.00} i had a credit card with XXXX credit limit was {$250.00} i had a balance {$140.00} them a {$110.00} available credit when i try to pay my monthly no app wen to a XXXX shop machine they say the machine can not recognize the card got an customer service XXXX  employee the said they going to sent me a new card never get the newer card and after 2 month this company call me and dispute a few time and the put a negative for {$310.00}
Product: Student loan

I have my majority of my student loans through Navient, both federal and private, and they have refused to put me on an income-based repayment plan. I have pleaded and argued with them for months now and continue to deny me this service. I have also noticed that every time I speak to an employee at Navient I am told different information whether it is I can file for forebearance or not until my current balance is due, which they currently charged me late fees that add up to {$810.00}. I am sick and tired of being used as a living bank that they think they can take all of my money, and leave me with nothing to live for.
Product: Checking or savings account

On XX/XX/year> around XXXX XXXX I visited a Chase branch and made a check deposit for {$25.00} and {$2800.00} at an in branch ATM. The ATM malfunctioned and the checks were never posted to my account. I Spoke to employee who called Chase customer service to resolve the issue and I was given a claim number and told my funds would be available in XXXX XXXX XXXX. The night of XX/XX/XXXX @ XXXX XXXX I received a call from Chase Fraud department informing me that my account has been restricted for fraudulent activity. I explained to the customer service representative that it was not fraud and that I made the deposit into my account using the ATM and there was a problem with the machine. 

On XX/XX/year>, I went into the branch to check the status of my fund being made available because the entire account has been restricted and I dont access to my funds. Chase accredited my account but restricted the account at the same time. The branch manager got involved and made several calls and attempts to resolve the issue and was told I could call back on XX/XX/year> to release the hold on the account. XXXX  XX/XX/year>, I called to have the hold released and am now I am being told that my account will be restricted and the funds will be on hold for 30 days pending an investigation because I was given a claim number. This money was a reimbursement to me from a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid for the XXXX out of pocket and the XXXX XXXX had funds in an account under XXXX XXXX name. I received permission from XXXX XXXX  to have the funds transferred to me. Now Im having issues with my banking institution trying to access those funds.
Product: Credit reporting or other personal consumer reports

recently checking my credit report i noticed that i've been a victim of identity theft and found numerous credit inquiries i have no knowledge of here are the inquiries that 've found : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Mortgage

I have been a customer of Wells Fargo since XXXX XXXX XXXX a XXXX  year mortgage paid off in XXXX XXXX XXXX  I am sure MY Home Mortgage would not have been the ONLY mortgage without problems during that time - during most years I was working an not able to keep up with all that was going on with the mortgage. I know the payment was increased regularly during the years the mortgage was in effect. Since that time there is a Heloc loan and a Auto loan. Social media says I should have been notified by now and I have not heard a word from Wells Fargo. I know they are very hard to get information from, when you call they never know who you need to talk to about any problems you may have. I am just seeking MY part of the payments they owe to their customers - Social media shows : Auto loan holders are owed at least {$4000.00} as part of the settlement. 

As for the Home Mortgage loans- Wells fargo has not even notified me about the problems and payments due. CFPB states : Those with mismanaged mortgages are owed more than {$24000.00}. 
As part of the settlement, Wells Fargo is required to notify customers and act swiftly on providing payments. You dont need to take any action to receive your payment. Some customers have already received their payments, says the CFPB.
Product: Student loan

Wells Fargo sends out false statements informing borrowers that their refianced student loans are ready to view online when there is in fact a 48 hour waiting period.

I spent 30 minutes of my time on hold and talking with a representative to figure out they had sent me innaccurate information. This is a loss of productivity that for one person is small but for thousands or more could add to a significant impediment.
Product: Mortgage

We have had this mortgage for about 15 years, and it has been sold a couple times to other providers. We pay more than the payment every month. We have been doing this for years. Over the last two years there has been multiple times, the additional amount is applied to payments, and not the principal. We call, they apologize, and they say it won't happen again. There has been at least 4 times we have caught this. Due to us not seeing this in the past, it appears they are doing this intentionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting an inquiry I did not give permission or my information to this company ally financial
Product: Checking or savings account

Citi Bank has opened account under my social security number and identity without my authorization I didn't allow open account no idenfcation id number was submitted by consumer XXXX XXXX no signature from XXXX XXXX is signed with Citi Bank new account Citi Bank open without proper idenfcation id social security number and public identity theft fraudulent extortion money laundering my social security number a XXXX XXXX XXXX XX/XX/year> or a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX used my identity and open Citi Bank open account XXXX I'm request reimbursement from Citi Bank and remove their debt of my credit report identity theft consumer identity and used my information fraudulent and extortion money laundering using my identity to open account Citi Bank XXXX
Product: Checking or savings account

A year now It been a huge concern about who ever hacking into our bank accounts I was told there was an investigation but money started coming out little at a time I called I did get refund but I do believe it's happening from the Inside I talk yo agents who work from home who have not updated my account after saying yhe did our card zip code didn't match our cards fradulant withdrawal from companies. And I question the manager that one of their worker demanded pretty much my signature and whe. She hot it she didn't file it she laid it on the side I call because it was odd. And when I close the security deposit box the lady said why she qanted your signature. Because I was going in a room with another agent. And me and my husband never use checks we only us the ATM. WHAT concer n s me is we are in yhe middle of a lawsuit and we have notice some one trying to access our accounts changing bank address yo get our info sending it back to old address. I'm really concern yhe XXXX who XXXX the XXXX XXXX XXXX  and XXXX  I didn't trust her she only needed my id and card to set up appointments to access my box. Too much in this year has been happening with our accounts and no one has answers then they try blame us. We know whT we spend and have a routine. They have caught a lot of things but im concern about our new accounts think there is fraud on the inside of the bank in XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. We been with them for years but these Agents working from home it's been a very serious concern
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 I filed an Experian credit dispute requesting Creditor provide documentation validating the reported debt on my credit report. Creditor failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a 2nd and 3rd dispute request on the issue. Creditor failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting sick and tired of dealing with Experian fake credit reporting. One can not dispute anything unless you have to call them. Sorry to disappoint Experian, but I do not trust them and anything verbal does not hold validity in a court of law. 

Last year, I disputed a debt that I do not owe. I never received a billing statement from this questionable debt collector and if it is MEDICAL. I am insured with MEDICAID. Therefore, I am not responsible for any medical debt, especially, for medical treatment I have never received. Here 's the information regarding this fake collection account. 

XXXX XXXX XXXX XXXX has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 

Alert Details Alert Date XX/XX/2019 Source EXPERIAN Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/2019 Balance {$1000.00} Is anything incorrect? 

I have disputed this before and nothing was done and yet, Experian has set it up where I am not allowed to dispute it again. 

Delete it and for Experian, stop collecting information on me. YOU XXXX XXXX XXXX ALLOWED THE DATA BREACH ON ME.
Product: Debt collection

I receive a minimum 2 calls per day from a phone number I don't recognize. These phone calls always come when I'm busy with work or kids events. I have not received any written communication or bill from the company. With the amount of fraudulent calls that are typically scams, I no longer answer the phone from numbers I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in XX/XX/XXXXto promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Experian is reporting that I Have a child and that I am delinquent with family support. I do not have a child. This is incorrect information. I do not have any children. I am XXXX. I have reached out to this company and XXXX and XXXX has removed it completely from my consumer report.. This is just harmful to my consumer report causing adverse reaction when applying for credit and causing higher premiums.