23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

While not attempting to collect a paid debt, the collection agency continues to update my report with inaccurate information showing delinquencies after the payment date. 

I have been going round and round with Midland Funding and XXXX/XXXX with inaccuracies and errors on my credit report. I have tried phone calls, emails, faxes, direct disputes with the credit bureaus, and a XXXX complaint. 

After numerous attempts with Midland and XXXX directly, I filed a XXXX complaint in XXXX XXXX, information received from Midland on XXXX/XXXX/XXXX, rebuttal sent back on XXXX/XXXX/XXXX and a final response on XXXX/XXXX/XXXX. I received comments from XXXX on XXXX/XXXX/XXXX, sent a rebuttal on XXXX/XXXX/XXXX, and then a final response on XXXX/XXXX/XXXX. 

XXXX advised me to contact Midland, and Midland advised they were sending an update and to contact the credit bureaus directly. I contacted the credit bureaus and they advised to submit disputes, which I did and that 's make the situation worse. 

Midland is stating that they opened the account in XXXX XXXX, but XXXX sent me a letter stating that they did not sell the account to Midland until XXXX XXXX. Additionally, Midland is reporting differing dates of delinquency, etc. 

My husband is a XXXX veteran, and we are in the final stages of getting our VA Home Loan approved. Based on the inaccuracies with Midland Funding 's reporting, our mortgage " tri-merge '' is not coming through clean. We have XXXX bureau reporting XXXX as an OPEN creditor ( not collection agency ) that shows updates each month. This is a " Paid in Full '' account that was closed in XXXX XXXX, yet it shows " pays as agreed '' each month now. And even after these numerous updates, I now have a XXXX XXXX update on XXXX bureau that shows up as a Collection activity for XXXX XXXX ... again, on an account that was closed last year. This was again verified as " accurate '' today, XXXX XXXX, XXXX and shows XXXX days late for XXXX XXXX. ( see attached ) As these are both paid accounts, I am requesting your help in just having the account/tradeline suppressed or deleted in entirety immediately. I have tried to be patient and work through every option, but it 's getting worse and we 're at jeopardy of not clearing underwriting because of all this new activity. It 's causing fluctuations in our credit score and the underwriters are n't sure what the " accurate '' picture is.
Product: Debt collection

Mutual Management collection agency in cahoots with XXXX XXXX  XXXX are actively breaking the law by illegally reporting collections on credit reports. 

I cancelled my daughters registration to the daycare and advised the teachers weeks prior to. All childcare was paid and the cancellation was met with so I should not need to pay for a cancellation. That took one of my checks that were on hold in their file and tried to deposit. 

The account was later posted on my credit report for a different amount and I never received any legal Correspondence that such would be reported to the credit bureaus. 

I have continuously disputed this with the credit bureaus and they verify the debt and NEVER provide proof to me. This is illegal, unethical, and is a scam company being run out of a home bedroom. In the last 4-5 years that this has been reported I have been financially affected and I would like to proceed with a lawsuit. I ask the FTC to assist with advising of all the laws broken here. There was No notification sent to me prior to reporting, the amount is not correct, and they do not have my ID/SSN to even prove that I am responsible for any debt. This is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to Equifax Here are my tracking numbers, XXXX XXXX According to the law 15 U.S Code 1681a- Definitions, rules of construction. 

The term 'investigative consumer report ' means a consumer report of portion thereof in which information on a consumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained from a creditor of the consumer. 

I would like to know who they talked to? 

How did they complete this investigation? 



In the dispute letter I asked for A copy of the original application must be sent with the results of this dispute investigation, that also include my electronic signature. With the results of this investigation, I want a copy of the full payment history from the original creditor, and I want a copy of the original purchase agreement that shows that the creditors can legally collect this alleged debt with the original creditors name and address. 

They did not send the information or documentation that was asked for and needed to prove they did a real investigation on the accounts listed in the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time disputing these address on my credit file. I have never lived in XXXX XXXX  in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX XXXX XXXX SS XXXX my only address should be XXXX XXXX XXXX  XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit reporting agency are reporting inaccurate accounts on my file even though they have actual knowledge of the errors on these accounts they are now deliberately violating my consumer rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

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

15 U.S.C 1692C also this law clearly states that without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer,
Product: Credit reporting or other personal consumer reports

I have disputed with Experian and XXXX XXXX multiple times regarding the inaccuracy that is on my credit report. Per fcra all items must be 100 % accurate or need to be removed. I have disputed multiple items showing derogatory that does not match my address nor my personal records. I have provided proof of my address which was a requirement with Experian and each item Experian states the collection company was able to validate the debt as accurate. I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Product: Credit card

I am asking XXXX XXXX, acting president of company of comenity bank ; reporting as comenity bank/XXXX XXXX  account ending in XXXX to remove the account from my XXXX credit bureau XXXX for the following reasons ; comenity bank reported to XXXX on report # XXXX for XX/XX/XXXX, account XXXX XXXX ending XXXX XXXX charged off with a balance of {$330.00} dated open XX/XX/XXXX. Reported to XXXX XX/XX/XXXX thaXXXX XXXX XXXX account open XX/XX/XXXX ending # XXXX report # XXXX. The only filing the XXXX  has of any comenity bank XXXX XXXX  account is ending in # XXXX filed 1096 with 1099-c XXXX for XXXX, on file with the XXXX dept . this account reported by comenity bankXXXX XXXX  with a balance of {$330.00} charged off with a balance is false, altered information it's against the 15 usc 1681s-2-623 code of the FTC and the IRS voilation.remove this account and any other comenity have in closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dealing with TransUnion for the past 11 months has been a nightmare. They refuse to remove fraudulent inquiries. On XX/XX/XXXX, someone tried to apply for a XXXX XXXX card using my information, however XXXX XXXX has no record of my social security number being used to apply for an account. This leads me to believe that someone possibly has the last four digits of my SSN and is attempting to make up the rest, as Ive read in forums online. I am a current XXXX XXXX customer with 3 separate open accounts. I did not attempt to apply for another account on XX/XX/XXXX. The second inquiry comes from XXXX XXXX on XX/XX/XXXX. Again, someone was attempting to open an account using my information. This was reaffirmed recently when I received a notification from XXXX that someone created a new online account with them. This happened last month. In XXXX, I submitted several rental applications. Perhaps a specific property manager, whom I filed a discrimination complaint against, is the cause of all of this. I can not prove it, however.
Product: Checking or savings account

I have replaced my XXXX XXXX debit card three times this year. One time as a precautionary measure ( prompted by XXXX ), and two times after fraudulent activities on the account. The fraudulent activities are as follows shortly after replacing the debit card the first time after having suspicions of possible fraud : XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX= {$2600.00} XXXX Consumer XXXXr= {$1500.00} XXXX XXXXXXXX= {$700.00} XXXX reversed all of the charges and I had to replace all unused checks, change my account #, change my online banking info, contact creditors with new bank info and put the account on high security alert. I also had to replace all of my credit cards and change all of my user name and passwords for online activity. I manually enter all user names and passwords now. 

I paid for XXXX to put my account on " Initial Fraud Alert '' on XXXX/XXXX/XXXX which would be in effect for 90 days. This included XXXX ( XXXX  contacted them ) that had me on their " Initial Security Alert ''. This did n't catch the 2 transactions dated XXXX shown above which were after the stated alerts. 

I then contacted Equifax to find out that my personal information was in fact compromised. This breach of information was in mid XXXX and the above fraudulent activity happened shortly thereafter. I do n't think this is a coincidence. 

To top it off, I then had another fraudulent charge to my new XXXX debit card as follows : XXXX XXXX in XXXX XXXX= {$970.00} I had a travel alert in my email the day before about going to XXXX which I was n't doing so I contacted XXXX the day before the above transaction ( same day I received the email ) and they still could n't prevent it from happening. So, they had to issue another debit card and freeze my account. I was in the process of buying a car and was transferring funds from one account to another when this happened which prevented me from writing a check to pay for what is considered a person 's second largest purchase in their lifetime. So, after running from one branch of XXXX to another and investing even more time into getting things back to normal, I was able to have a new debit card made that day and also got my account off of " freeze '' so I could pay the car dealer for the vehicle. 

I called XXXX to get my online banking secured even more and make some changes and have high alerts implemented again. They did admit to some security weaknesses???? Thankfully, I did n't have to go through the hassle of changing my checking account info again. 

When is enough, enough? I 'm now in constant fear of when the next fraudulent activity is going to appear. I 'm sending this email in hopes that it will be yet another step in securing my information ( it did n't do much good with XXXXXXXX XXXX, and Equifax ).
Product: Money transfer, virtual currency, or money service

I wired the money to Coinbase on XX/XX/XXXX XXXX and on XX/XX/XXXX XXXX it never reached my account I called the company and sent emails as well my bank tried to catch them without success just on XX/XX/XXXX they only wired me XXXX and i still waiting
Product: Mortgage

My homeowners insurance premium was due on XX/XX/year> in the amount of {$1100.00} which was to be paid from the escrow account. A check was issued on XX/XX/year> for this amount. I received a letter from the insurance company on XX/XX/year> stating the the insurance premium payment has not been received and cancellation was pending XX/XX/year>. I contacted Mr. Cooper on XX/XX/year> and explained the situation to them, and they assured me that a new check would be issued on the same day and overnighted to the insurance company. The new check was not issued on the same day, it was issued on XX/XX/year> and sent to an insurance company that I have never heard of. So, as of today, XX/XX/year>, the insurance has been cancelled due to non-payment. So now I am living with no insurance in Florida during hurricane season.
Product: Mortgage

XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Loan servicer : LoanCare at XXXX. 

This loan is a 30 year VA Mortgage but the creditor and loan servicer will not report it as such to the credit bureaus. They are reporting this as a mobile home loan. I closed this loan a few months and signed an actual 30 year Note and VA Mortgage at the closing. They are not reporting this properly to the credit bureaus and this is causing a negative impact on how my credit scores are scoring.I have reached out for a resolution twice now with no response. 

This is not a mobile home loan as my home is classified as real property and I pay taxes as such as well. Please help a veteran have his loan reported properly.
Product: Checking or savings account

Been a victim of cybertheft which is unlawful under FCRA
Product: Bank account or service

A debt collector contacted me via fake process server to give me a heads up for a debt from 2011 which I do not owe. They claimed a Wells Fargo bank manager signed an affidavit that I took out a pay loan in the amount of {$1000.00}.
Product: Debt collection

On XX/XX/2021 I deposited my apartment keys in the rental slot with a notice of XXXX XXXX. I was unable to fulfill my lease obligations due to my income being insufficient beyond my control with the rent increase, food increase, due to inflation caused by the Covid 19 pandemic. I received a {$6000.00} bill for only lease violations. 
There was absolutely no bill due to XXXX XXXXXXXX actually losing money or damages due to the not staying out the entire lease period. I have reason to believe that apartment was rented the same day at {$2200.00} or more the market rate. My rent was {$1500.00}. XXXX XXXX profited by my loss. XXXX XXXX should be attempting to return my security deposit instead of being unscrupulous.
Product: Bank account or service

Subject : XXXX XXXX XXXX am the beneficiary of a trust an aunt established at the XXXX Florida. I received notice from the bank that " tax preparation and filingfees will increase to {$900.00} for the XXXX XXXX hours and {$300.00} for each additionalhour required. Most irrevocable trusts on extension will require more than XXXXhours. '' This caused me to review income versus fees for the past years. Thetax preparation fee for the past XXXX years has been {$320.00} ( my share ) per year. 
For XXXX 2013, I had income of {$5700.00}, while XXXX collected {$170.00} for a '' Investment Solutions fee '' each from Income Cash and Principal Cash, and $ XXXXXXXXfor " Account Mgmt Services Fee '' each from Income Cash and Principal Cash. 
Bottom line, while I received {$5700.00}, XXXX received a total of {$4300.00} infees PLUS {$650.00} for tax preparation. Am I the only one who thinks thisexcessiv? Also, with the increase in tax preparation cossts this year, XXXXfees almost equal my income from the fund. What avenues are open to me tocontest these fees?
Product: Credit reporting or other personal consumer reports

15 USC 1681i 6 b3 states that a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description1. Additionally, a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( may that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction was authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Frederal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

In XXXX, I opened a credit card through a bank in order to transfer a balance from an existing credit card account because with this bank she got 0 % for 12 months. I paid off the balance before the 12 months was up and never used the card again. 

A few months ago, in XX/XX/XXXX, I started getting contacted from a company who claimed to be a collection agency, referencing unpaid delinquent account that was transferred to them. I researched the collections company, and they seem legit, but they havent sent her an email or anything in the mail, just tried to call her. They even called me. 

We tried calling the bank, they said they transferred the account to another company. We called that company, and they gave us more information on the charges. We found out there were charges from websites like XXXX ( a XXXX website ) and XXXX ( XXXX clothing website ), both websites we would never, ever use. 

Apparently this company then transferred this account to another company, and now it may be in collections. My credit was just hit with a delinquency and my score dropped a ton. 

We have called and called around to these companies and they even said they were opening a fraud investigation, but when we call back, no one has record of anything. 

I never received any notice by mail, statements showing these chargers from the original bank I had the credit card with, nor was I contacted by any of these companies who owned the account. This is credit card fraud and I can't seem to get anywhere on the phone with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 Balance : {$15000.00} ; XXXX XXXX Bankruptcy  Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXXXXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX Account number : XXXX Account type : XXXX XXXX Date opened : XX/XX/XXXX Status : Collection account. {$450.00} past due as of XX/XX/XXXX. Status updated : XX/XX/XXXX Balance : {$450.00} Balance updated : XXXX XXXXhis is an inaccurate credit reporting that I don't recognize. I filed a dispute with XXXX, XXXX, and TransUnion. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Debt collection

This firm persists in collection of a debt not owed to them. I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt. This has not been received.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$660.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.