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

MIDLAND CREDIT MANAGEMENT has violated these laws and my consumer rights : 15 USC 1692 ( B ) ( 2 ), 15 USC 1692 ( C ) ( A ), and 15 USC 1693 ( B ) ( 5 ). My initial communication with MIDLAND CREDIT MANAGEMENT was on XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT stated that they purchase a security from an alleged original creditor. Buying and selling securities is illegal and an imprisonable federal offense. I did not sign a TRI-LATERAL CONTRACT with MIDLAND CREDIT MANAGEMENT. Also in XX/XX/XXXX, I sent MIDLAND CREDIT MANAGEMENT a cease & desist as well as an affidavit of truth. Cease and Desist means communication on all platforms including my consumer report. I sent all of these items with certified mail, and return receipts, and I have the documentation that they have received the communication signed. I have not granted MIDLAND CREDIT MANAGEMENT any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding the cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until MIDLAND CREDIT MANAGEMENT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND CREDIT MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND CREDIT MANAGEMENT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I am assuming that the bureaus have been busy and haven't had a chance to my dispute letter yet Its been over 60 days since i sent in my dispute regarding inaccurate items on my report and I still have not received any response yet To be exact on XX/XX/2020 I sent in my dispute via certified mail. I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days I demand these accounts be deleted immediately. I would like to add that my information was impacted by the XXXX  data breach. This is possibly an explanation of the inaccurate items on my report please help me solve this manner as soon as possible.
Product: Debt collection

The presence of unfamiliar public records on my credit report is distressing. I urge you to swiftly rectify this situation and update my credit profile accordingly. Your timely response to this issue is greatly valued.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX XXXX XXXX XXXX on XXXX XXXX opting out my information being shared with any person, entity, or institution and to be effective immediately and Indefinitely!!
Product: Student loan

My  Student loan is h eld thr ough Navient and is paid through Autopay th rough their website. I recently changed  banks (   XXXX    XXXX    ),  and I added the new bank through their website. In  XXXX  of   XXXX  , I was notified I was being charged a late fee because I did n't pay my monthly payment. I called, and customer service told me they could see I made the switch, but it " had n't taken effect yet. '' I questioned the length of time, but was assured it would go into effect for the  XXXX  cycle. So, I manually made the payment on their advice so I would not be in default. I was just notified to day (   XXXX / XXXX /  XXXX    ) that once again, my payment was late. I have attempted to call 6 times - each time I wait 10-15 m inutes, and when the call is answered, it cuts in and out and I am unable to speak to a representative. I am asking for your assistance in resolving this.
Product: Debt collection

Doxo XXXX paid XXXX XXXX XXXX XXXX in CA {$200.00} using my credit card for a bill on an Account thay was not mine. I live in XXXX  and have not been to XXXX  for any XXXX XXXX. My bank filed a fraud claim, and resolved the issue returning the funds to my account. Now Doxo XXXX XXXX turned me into collections with XXXX XXXX because the can not get their funds back for the payment they made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became delinguent with my XXXX XXXX credit card XX/XX/XXXX, its recorded as charged off in XX/XX/XXXX, experian records no data from XX/XX/XXXX-XX/XX/XXXX. I paid the debt in full thru XXXX XXXX in XX/XX/XXXX. After disputing status will not be updated, still states closed.experian shows as of today " XXXX written off. Updated XX/XX/XXXX '' which also includes a new " charged off '' status XX/XX/XXXX indicating a recent late payment. And no status has been reflected as paid although it has been and i have been subject to adverse abusive tactics by XXXX XXXX which seemingly is tied to my dispute. 

My concern is that in the fair credit reporting is it indicates its valid to report a " charged off '' status for seven years, and concurrently states that the seven years starts with charged off status. I dont know if this is a larger issue, however there seems to be a problem with the language to protect consumers.im unsure if this is valid to move forward with notifying XXXX  XXXX, however unless im understanding incorrectly this is unjust with reporting especially when the debts are paid. A similar action was adversely taken against me with another paid collection XXXX credit card, which resulted with multiple late payments, even though debt paid.
Product: Debt collection

Caller asked for a family member that does not live at my address or use my number for any purposes. Caller stated that I was listed as a reference, so I initially thought it was for a job interview or something similar. When I tried to inquire further about the reason for the call, caller became evasive and stated that the purpose of the call was private and the target person had not authorized revealing the purpose of the call. I then asked the name of the company and the caller was again evasive but stated that the name of the company was XXXX XXXX XXXX or something like that. The caller then began inquiring about the target person 's phone number and I stated I do not give out personal information to strangers but the caller kept insisting and then stated the number, to which the caller replied that he was not able to contact the target person. Caller then began inquiring about other family members and I stated I would not give any other numbers out and the call ended. I then did some research about this company and I found out they were a debt collector. Based on what was stated and the personal information the caller was inquiring about, I realized that they were likely inquiring about issues that are over 10+ years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

EUQIFAX, XXXX AND XXXX IS IN VIOLATION OF THE FCRA. THEY HAVE BEEN REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THEY HAVE NO CONFORMED WITH ME TO VALIDATE THIS INFORMATION OR ACCOUNTS. I DID NOT GIVE THEM MY PERMISSION TO REPORT THIS INFORMATION. THIS INFORMATION IS NOT MINE AND DOES NOT BELONG TO ME. 
THIS IS NOT MINE OR DOES NOT BELONG TO ME ADDRESSES : XXXX XXXX XXXX , XXXX, FL XXXX This address does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 

ACCOUNTS THAT ARE NOT MINE US DEPT. OF EDUCATIO | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX  XXXX | XXXX XXXX XXXX XXXX  XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX INQUIRIES THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I purchased furniture from a store in XXXX. Upon believing that I was paying off my loan in the advertised six month period I found out it was actually a three month span. I was mislead by the loan company and not able to see my contract until it was later emailed to me after the purchase. I did not realize the terms and owe {$2200.00}. Twice the value of my merchandise. I payed all payments on time. The payment was structured and advertised to pay XXXX every two weeks. At this rate the full principle would have been paid at the advertised six months. However the hidden 101 day period was not made clear to me or explained until after the purchase in the emailed contract. Protection of the furniture was declined as I had renters insurance. However it was still charged and the document was sent to me showing that I had accepted the protection payments as well
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payments XXXX XXXX Dear CFPB, I am writing to dispute inaccuracies in the reporting of the XXXX XXXX XXXX XXXX XXXX  ) on my credit report. Upon review, I identified erroneous late payments reported for XX/XX/XXXX ( 30 days late ) on XXXX and XX/XX/XXXX ( 30 days late ) on both XXXX and TransUnion. These reports are incorrect, as my payments for these periods were made on time. 
It is essential under the Fair Credit Reporting Act ( FCRA ) that consumer data be accurate and verifiable. These inaccuracies are unjustified and have negatively impacted my credit report and financial reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrectly reports a 30-day late payment for XX/XX/XXXX. 
XXXX : Incorrectly reports a 30-day late payment for XX/XX/XXXX. 
TransUnion : Incorrectly reports a 30-day late payment for XX/XX/XXXX. 
Attached, I have provided evidence demonstrating timely payments during the months in question, including bank statements and payment receipts. These documents clearly show that my payments were made as agreed and on time. 
Request for Action : Immediate Correction : Update the account 's payment history to reflect a status of " Paid As Agreed Never Late '' for the disputed months. 
Investigation Procedures : Provide a detailed description of the process followed to verify the late payment claims, as required by FCRA 15 USC 1681i ( a ) ( 7 ). 
Proof of Late Payments : Submit documented evidence supporting the reported late payments, including specific dates, amounts, and communication indicating delinquency. 
If no verifiable proof can be provided, I expect these inaccurate late payments to be promptly removed from my credit report.

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of my agreement with XXXX have been strictly adhered to, and this account has always been paid on time. Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my credit report should not reflect information that inaccurately describes my transactions or experiences with this account. 
Supporting Documentation : Highlighted copy of my credit report showing the discrepancies I trust you will handle this dispute with urgency and professionalism. I expect a written response to this dispute within the timeframe outlined by the FCRA ( 30 days from the receipt of this letter ). Failure to provide a timely and accurate resolution will be considered a violation of my consumer rights. 
Thank you for your prompt attention to this matter. If additional information is required, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I make my payments on time never have I been late with this company. I had several deaths in my family ( XXXX to be exact ) and I forgot to make the payment. I had closed my account, they added a late fee of {$30.00} on a XXXX balance. I called them and they refused to waive the fee they told me that the account is closed and they cant waive the fee however even though the account is closed they had no issues adding a late fee to a closed account. The representative told me if I didn't pay the late fee they will add another late fee on top of that. I am retired I cant afford this, and due to all these XXXX  financially it is making this very hard on me. I went to your website and seen this : CFPB Bans Excessive Credit Card Late Fees, Lowers Typical Fee from {$32.00} to {$8.00} so I called your office, your rep told me this is not in effect, then why is it on your website? Like I said I have never been late these credit card companies are greedy and I refuse to pay this fee it is unethical
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, and XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was admitted by graduate school XXXX XXXX XXXX program ). I am still studying in XXXX XXXX XXXX Arizona XXXX XXXX XXXX ( next the White House and the XXXX XXXX  in XXXX XXXX  as first XXXX  American veteran ), President XXXX XXXX ordered DOE and XXXX not to include student loan in credit report due to COVID pandemic situation. 

President Biden, Senator XXXX, Senator XXXX XXXX and Speaker XXXX plan for canceling XXXX dollars through executive order or legislation. 

XXXX  company and DOE should stop posting student loan in my credit report without my consent. As a single parent with XXXX kids, I try to buy a home in rural area, student loan information in credit report should be removed to apply FHA loan, VA loan and USDA loan.
Product: Debt collection

I am reaching out today to express my concern regarding the continued contact from Unifin , Inc, a debt collector, after I have explicitly requested for them to cease communication with me. On XXXX, a certified letter with tracking information to Unifin, INC, was received and picked up by an individual at their XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Despite this, I have received multiple text messages from Unifin, INC on XXXX, XXXX, and XXXX, as well as a missed call from a local number, XXXX, on XXXX. Upon calling the number back, the automated system identified itself as Unifin and requested me to hold for the next available representative. As per the Fair Debt Collection Practices Act, I have every right to request for communication to stop and I am disappointed that Unifin, INC has not complied with my request as they have received a cease all communications letter from me.
Product: Credit reporting or other personal consumer reports

This account was paid in full by the previous owners bayshore Wolverine capital by the due day of XX/XX/XXXX and an additional payment was made by me before the due date. Im requesting that the 30+ days late to be removed from my co borrower and my credit report immediately. We never been 30 day or more late why would we be 30 days at pay off time? I lostXX/XX/XXXXpoints on my credit report due to this misinformation and my co borrower lost XX/XX/XXXXpoints due to this we ask that triad Financial remove the 30 day late so that we can continue with our lives with our credit report without this blemish. I will enclose documentation that will support my claims I take my credit and credit report serious and Im responsible with my credit, this 30days late on my credit report stops me for doing anything with this blemish from Triad financial. I cant see how they were able to put a 30 day late on an account that was reported closed last month and removed off of my credit last month that I filed an dispute and got the account removed myself and it was Successfully removed XXXX 30 day late pop up from a successfully removed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This ground for removal they also violated my rights under 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.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to dealership with-pre approval letter from XXXX  XXXX, but somehow I now have unauthorized inquiries on my credit reports. An XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2021 midland credit management email me regarding a debt i do not owe with XXXX XXXX XXXX : nor have knowledge of. I have attempted to resolve this debt
Product: Credit card or prepaid card

For no reason and Without any explanation or early notification they close my account on XX/XX/XXXX with my sears card.. They never send me a letter or a notification on any problem regarding on my account. My account was use daily and never had any late paid or anything wrong with the payments i always paid the monthly bill in full. I been a member since XXXX with the card and Im a daily user of my credict card and never been late on a payment in 5 years. I call the company and they said that because of my passed credict they close my account.. I never paid any late fees or missed a payment on that account to be treated like a bad costumer. For some reason the target me for my passed.
Product: Debt collection

I take responsibility that I owed this balance to XXXX XXXX related to automobile coverage. On XX/XX/XXXX, I called this debt collector and negotiated that if I pay a settlement, that they would delete this account from my credit report. They agreed, and I kept my part of the deal, they did not. On XX/XX/XXXX I paid a settlement of {$340.00}. The original amount was {$680.00}. This account is still on my credit report. Last month, XX/XX/XXXX, I starting disputing through the bureaus again requesting that they delete from all credit bureaus due to it being paid. All they did was update my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX  XXXX Balance : {$0.00} ; DPT EDXXXXXXXX  XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance XXXX {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; DPT EDXXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00}