23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am disputing the collection account with SANTANDER account number XXXX dated XX/XX/year>, with a balance of {$1600.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that SANTANDER provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

On XX/XX/XXXX, Midland Funding was sent a debt validation letter. A copy of this letter has been provided for reference. The letter was sent official certified mail. 
On XX/XX/XXXX, I received a response from Midland Funding regarding my request for debt verification. Within the response from Midland Funding it provided a letter from " XXXX XXXX  '', the alleged original debtor '', that " Midland Funding, LLC. is entitled to pursue the collection activities and other legal remedies to collect the " unpaid balance '' on your charged-off accounts. ". The letter from the alleged original debtor " XXXX XXXX  '' was dated back XX/XX/XXXX. Said correspondence was alleged to be sent to my former home address. However, I never received this information.

In addition to the letter from the alleged original creditor, Midland Funding LLC., also advised that they " were uncertain of what you are specifically disputing ''. My debt validation letter was quite clear regarding the information I was seeking. It is my conclusion that Midland Funding does not have appropriate proof of ownership of the debt in question. Also, it is my conclusion that Midland Funding created the letter aforementioned on their own behalf. I investigated a " XXXX XXXX  '' and their organization, it appears that the header utilized in the correspondence differs from that of the original " XXXX XXXX XXXX  '' logo. Per the FDCPA, this is not a sufficient proof of ownership of the debt nor an adequate demonstration of my ownership of the debt. Given as such, it is my strongest suggestion that Midland Funding LLC. consider this complaint and agree to the fair resolution requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I communicated with Synchrony Bank XXXX XXXX  In the month of XXXX due to job loss, They insisted I enroll in a deferment plan for XX/XX/2020 which will have no negative reporting on my credit report nor late fees, Deferment was offered to me which they were offering with customers with hardship due to covid.. I am a XXXX and was hospitalized on XX/XX/XXXX after further testing was admitted for XXXX spent about 10 days in the Hospital. On XX/XX/XXXX I contacted a Synchrony Bank - XX/XX/XXXX explain I was in the hospital and the rep offered me a payment program for {$45.00} the current months which I made a payment the same day and XX/XX/XXXX made another {$45.00} payment as well. I agreed and thank the rep for the help .... Fast forward to the month of XXXX, I receive an alert indicating 30 day late was reported by Synchrony./XXXX XXXX. Communicated with Synchrony/XX/XX/XXXX and explain the events that took place from XX/XX/2020 until current they apologize and stated it will be corrected and will follow up with me and they have not send me any letters or calls, I contacted them today on XX/XX/XXXX and the rep stated I have to contact the credit bureaus and gave me no resolution, also stated account was current and up to date This 30 day late should of never reported on my profile as the Synchrony bank/XX/XX/XXXXagreed to do deferment and arrange payment plan.
Product: Debt collection

THIS IS NOT A CONTINUATION OF THE OLD COMPLAINT THIS IS A NEW COMPLAINT! 

I received a formal letter response on XX/XX/XXXX after I filed my initial complaint with the CFPB on XX/XX/XXXX. In this response I was told, and I quote, Please call XXXX XXXX at XXXX XXXX XXXX XXXX ext. XXXX to assist you in reaching a resolution of your account balance. 

For 2 days I called aggressively, morning, afternoon, evening and night where I was bounced around, left voicemails and begged to reach someone to resolve this debt. The original complaint was filed because of poor communication and a refusal to give me the means or connect me with the right people to resolve my debt. 

Here we are 3 months dating back to my original attempt to contact your guys into me trying to resolve this debt and I still cant get a hold of one person who can help me resolve this debt, yet weekly you guys report my debt to all credit bureaus. Midland Credit Management has also started adding XXXX at a time on the report. I spoke with XXXX XXXX, a manager at your company who said that throughout your entire company there is only ONE person who can help me resolve this debt, she suggested there nay be 2 but she wasnt sure. She also states there is no timetable she can give in regards to me ever being able to reach who I assume is Kelli.This same sentiment was repeated by your employee XXXX XXXX. 

The response to CFPB simply feels like a cover up. I have cried to your employees as your refusal to connect me with people to help me settle this debt is starting to feel like Im being bullied. I am trying to close this chapter of my life so my daughter and I can free ourselves from a debt that was created by her XXXX XXXX father. 

Your original response letter stated In keeping with our Consumer-First policy, and to provide the highest level of consumer satisfaction how is this authentic when you are telling me only one person in the country can help me resolve a debt, and provide no timetable or best time or way to connect with her? 

To make it clear if XXXX XXXX is the only person in this special department you are saying a that can resolve my debt I ask that she reach me immediately, if she cant I ask that you free me! I am a single mother and I have given so much time and energy to this company to do the right thing. Please show some professionalism and compassion, this is not right! You are not just effecting me you are effecting my XXXX year old who wants a home! I need this resolved to finally give my baby some stability! Please, please do the right thing call me and help me get this resolved or just close the debt.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and don't belong to me and need to be removed. 

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

I believe that an old account I had with XXXXXX/XX/XXXX and XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXXXX/XX/XXXX XXXX has reported the account as a permanent charge off ststus, which does not apply to debt purchases to a third-party, See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXXXX/XX/XXXX has with each credit reporting agency respectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

on previous complaint with collection account XXXX XXXX XXXX XXXX, i submitted a document showing to Transunion credit reporting agency, the information is inaccurate, and requested to remove XXXX collection account from my credit report. They closed the collection account, don't removed and days later they reinstate again this collection. How much time we, the consumers have to wait for this credits agency to do their job following federal laws, they are breaking all the federal laws without any problem and the federal trade commission don't do anything. Also, I've been received from Transunion, a letter where they place a security alert without removes those inquiries and i never allow any written consent to them to place any alert, remove theses alerts and inquiries as well.
Product: Bank account or service

A wire transfer was issued from XXXX XXXX XXXX XXXX to TD Bank XXXX XXXX XXXX. The wire transfer originated in XXXX XXXX XXXXXXXXXXXX with an exchange rate as indicated on the wire transfer of XXXX, with a final amount of $ XXXX. What arrived at TD Bank was {$12000.00}. A difference of XXXX. TD Bank wire transfer refuses to provide how or why there is a difference between what left XXXX and what arrived in XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute an item on my credit report. The item in question is : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Ref # XXXX I believe this item is inaccurate and should be removed from my credit report for the following reasons : 1. The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

2. I pulled out of the bk and never completed the process. Started back paying my debt Under the FDCPA, specifically 15 USC 1692e ( 8 ), it is a violation to report information to a credit reporting agency that you know or should know to be inaccurate. As such, I request that you investigate this matter and remove the item from my credit report. 

Please provide me with the results of your investigation within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate and Unverified Information on Credit Report - FCRA Section 611 and 609.

To Whom It May Concem : I formally request that the following Inaccurate, Unverified and Incomplete ( Information ) items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting. Act ( FCRA ), section 611 - specifically 15 USC 1681i ( 5 ) ( A ) Treatment of inaccurate or unverifiable information ( A ) and Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 609 - specifically 15 USC section 1681g. I will expect you to complete the verification withing 30 ( thirty ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Conns offered me a settlement of {$3800.00} to settle my account with them. I paid the settlement amount of {$3800.00} on XX/XX/2020 at XXXX. And still to this day my account has not been closed. It is still showing that I owe on this account and I have been getting late payments on my credit every month for this account after my settlement payment.
Product: Checking or savings account

On or around XX/XX/XXXX, I opened a personal checking account at a Chase Bank branch located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Almost immediately after I opened the account, the account was somehow compromised and someone began making XXXX and later on, card transactions. Up until XX/XX/XXXX, I did not know my account was being used by someone else in a foreign country ( XXXX of all places ), as I used this account as a " surprise '' savings account. By surprise, I mean that I deposited as much money as I could without checking the balance. Chase also for some reason, NEVER sent me any monthly statements. I never used the debit card or purchased anything. I made only two cash withdrawals from my local branch totaling {$3400.00}, both on the same day, to pay for a large business expense, which my husband promptly refunded, and I then redeposited. I set up the online access when I initially opened the account, but never logged in, not even once over the last year or so ( which I understand is unusual to some, but the equivalent of throwing cash under the matress ). All of my deposits were made in person up until around XX/XX/XXXX when one of my new cleaning jobs decided he could only pay with " XXXX '' which I connected. Being that I keep secure digital copies of my debit cards with me, I set up the XXXX to receive deposits and continued depositing at my local branch. Finally On XX/XX/XXXX, I decided to check my savings. Initially I tried to log in using the username and password that I originally set up at the branch. Which did not work. I got my husband to come help. We recovered the username using the account number and my social security number, only to find out it had been changed to something different. When we tried to recover the password, the phone number was also different. I called Chase customer service and they asked me if I still had the same " international phone number '' to which I was baffled. Luckily the nice lady on the phone was able to change my phone number back to my cell phone number and we were able to reset the password and log in. Upon logging in, I was disheartened to find that my balance was {$4.00} and not the $ 15k or so that we were expecting. We were saddened to see page after page of XXXX and card transactions from someone using our account as theirs. Receiving XXXX deposits from god knows who, in addition to mine, and just living a luxury life of spending my money at restaurants, hotels, and other businesses. Also, this person had set up the Chase mobile app on their phone and remotely deposited fake checks of almost {$2200.00}, which of course bounced and charged the account. The pictures of the checks are on my deposit history and you can clearly see that they are not signed by me and are written in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just went over my credit reports and I noticed that there are some false accounts that are being reported on my credit. These accounts are derogatory and do not belong to me. I also have no knowledge of who could have gained access to my credit. Now because of this, I have no chance of obtaining any new credit. Please start an investigation into this issue and have these derogatory accounts deleted off my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 
this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went through my consumer report attached the my social ending in XXXX. 
I noticed that there was an alleged debt reported by a 3rd party debt collector. I researched and read some laws pertaining to Consumer Reporting Agencies. In the Permissible purposes section of the FCRA, which is an exclusive list of " permissible purposes '' for which Consumer Reporting Agencies can furnish a report and are not allowed to furnish under any other circumstances. 
An example is in accordance with the writing instruction of the consumer to whom the report relates to. 

I Never gave XXXX or Experian the written instruction or Permission to report the alleged debt by SST to my consumer report. If XXXXExperian can provide written instruction by me the consumer, please provide proof of it. If it can not be produced, that is a direct violation and the account being reported by SST shall be deleted. 

Furthermore, in the congressional findings section, congress requires Consumer Reporting Agencies to adopt reasonable procedures to meet the needs of commerce in a manner which is fair and equitable with regard to confidentiality and accuracy among other things. 

I'm not sure what procedure was being followed when they reported an unverifiable and unvalidated debt to my consumer report for profit between XXXX, Experian and SST. 

XXXX and Experian are behaving unfair by selling millions of consumers ' data while violating federally protected consumer rights, earning millions of dollars per year in revenue ( according to the XXXX and XXXX fillings ) while denying my right to have inaccurate and unverifiable information removed from my consumer report while profiting off of said inaccurate information. 

Also, this Alleged account SST reported me to have with them was reported as 90 days late, but in my attached Consumer report, there is no payment history in the last year with this company let alone the last 90-120 days. How can I be late to pay a company that I have no payment history with? Reference My Payment history with the Other installment accounts I have and there's a full payment history, yet SST claims I'm 90 days late but there's no payment history and no proof of alleged debt have not been provided to me or XXXXExperian. This company knowingly reported false information to XXXXExperian and XXXX/Experian willing accepted and reported false information which they didn't investigate properly. 

This reporting of alleged debt, has affected my ability to extend and receive credit/financial assets which directly impairs the efficiency of the banking system. 

Attached is my recent : XXXX Consumer Report. 
Cease and Desist letter I sent to debt collector ( which they have not repsonded to but updated the status of the alleged account ) and Certified Mail Receipts.
Product: Credit reporting or other personal consumer reports

2. Inquiry Date : XX/XX/XXXX  Creditor Name : XXXX XXXX XXXX Inquiry Type : Hard Hard inquiries were placed on my account due to identity theft that are unauthorized. 
These inquiries were not permitted by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX  XXXX OF XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX, CAPITAL ONE AUTO FINANCE Inquiry : XXXX XXXX XXXX But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Debt collection

On XX/XX/2021 I sent a letter to AAMS LLC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Debt collection

This debt showed up on my credit reports from Harris & Harris Ltd. I sent a debt validation letter certified mail to them to verify this debt they signed for the letter on XX/XX/2018 and miraculously mailed a bill out to me telling me if I do not notify them within 30days they will consider the alleged debt valid and proceed with it. In the process they added extra debt to this letter on top of the debt they already claim I owe. I have followed the federal and Texas laws as to asking for validation of debts they claim i owe and as they claim it to be medical debt i asked for all supporting documents to validate this debt as mine. I have also checked with the secretary of state website to see if this collection agency is bonded to in the state of Texas and they are not so they are not even allowed to attempt debt collection in the state of Texas. I am concerned as they claim this is medical debt if they possibly are breaking the HIPAA laws in there illegal practices of collecting debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

**Hello, My name is XXXX XXXX . I repeating my complaint for some inaccurate items that still exist in my credit report. Please investigate these accounts as they are incorrect and not belong to me. 
**Credit cards** _XXXX XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX This charge off account is not mine, please provide me full documentation or delete it!!! 
_XXXX XXXX XXXX Reported : XXXXXXXX XXXX, XXXX This charge off account is not mine, I never receipt any loans or credit from this company. Delete it!! 
_ XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX Provide me full documentation or delete it!! 
_ XXXX XXXX XXXX : XXXX. XXXX, XXXX This account reported that I was late on XX/XX/XXXX, XX/XX/XXXX. However, I never late on this account. Please provide me proofs of payment or remove it. 
_ XXXX/XXXX XXXX XXXX : XXXX XXXX, XXXX This account is not mine. Delete it immediately!!! 
_XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Provide me documentation or delete.
Product: Mortgage

Purchased Home XX/XX/XXXX with an expected payment of {$1700.00}. Which included in my escrow the Mortgage Insurance ( {$140.00} ), my Home Owners insurance ( {$100.00} ), and property taxes ( {$150.00} ). When I purchased my Home, the originally lender was XXXX XXXX XXXX. Immediately after closing, mortgage was sold to Flagstar. Immediately we attempted to set up bi weekly payments. Initially there was complications due to the Mortgage company stating we would need to pay One full payment ahead before they would accept bi weekly payments. When attempting to pay ahead, the mortgage company only applied the payment to principle thus not showing a payment made early and never being able to set up the biweekly payment. 

Fast forward to XX/XX/XXXX. Flagstar increased new mortgage {$2300.00}. When inquiring the huge increase, it was broken down and explained as follows ; New Mortgage Insurance {$350.00} ( Increase of {$210.00} ), Home Owners Insurance {$320.00} ( Increase of {$220.00} ), Taxes {$210.00} ( increase of {$63.00} ). Now understanding insurance costs were raised across the board due to a natural disaster storm, and property taxes also increased across the board. Although the drastic increase in Mortgage Insurance is fluctuated by the company based on biased opinions. My Credit score remained the same, if not better, and the amount on the loan decreased. So what justified the drastic increase in fee calculated. In addition, the difference the mortgage company added on top as a cushion fee for Escrow. 
I expected an increase in monthly mortgage cost due to Insurance and Taxes, which would have increased my monthly cost to just over {$2000.00}. I of course could have shopped around for better insurance to allow for additional savings. Yet due to Mortgage company EXCUSE blaming Escrow I saw an additional hike of almost {$400.00} more! Even more so, Mortgage Company blamed the increase on Home Owners Insurance. Although as explained, homeowners insurance was a fraction of the increase.

When contacting the company to dispute and get explanations, they initially stated they would send me an application to remove my insurance from Escrow. Shortly followed by no they cant and wont. Even if I switched Insurances to a different provider for better rates, they would still pay and force the tacking on additional costs to still see the drastic hike on monthly costs. The additional cushion theyre requiring to pay extra into Escrow is also unjust as I as a consumer should pay whats due and not additional for the mortgage company to have excess funds for them to do as they please. 

To pay on time and to do everything right during this economic crisis led by the Government, how could the average American citizen afford the new found ways to raise the average living costs.