23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. 
Fraudulent Accounts 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 XXXXXX/XX/XXXX
Product: Credit reporting

I submitted a complaint to Transunion regarding an item listed on my report by XXXX. The account has been on my report since XXXX and has already been removed from the other XXXX bureaus. The dispute was initiated on XXXX, it is now XXXX, this dispute has surpassed the alloted time period of 30 days and I demand that this item is removed from my report immediately. 

Here is a copy of the original message : I have an account on my Trans-Union credit report from ( XXXX XXXX ) that has been found invalid and removed from XXXX and XXXX. The account had been previously deleted but returned and has now been on my report since XXXX, I would like for this erroneous account to be deleted.
Product: Debt collection

They will call my work number approximately 3 o 4 times a day. Initially the calls will come in before XXXX. I informed NAVIENT this was my work number please do not call me during to inquire about this debt at this number. I went online completed request for deferment in effort to stop the calls. I even told the caller on another occasion I was currently in Bankruptcy status & not sure why this one loan is not included in my claim. They assured me they will note my file to stop the calls. The calls stop coming in at XXXX. Now they call 3x a day today XXXX, XXXX ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 : # has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX  XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please delete these accounts immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

On or about XX/XX/XXXX, my wife and I took out a loan from One Main financial in the amount of {$7500.00}. At all times until XX/XX/XXXX payments were made on time. On XX/XX/XXXXa bankruptcy was filed in the United States Bankruptcy Court of XXXX Washington. The case number was XXXX Both XXXX   and XXXX XXXX were included in the bankruptcy and One Main Financial was notified of the filing. Despite this, One Main continued to draft the monthly payment out of our account until XX/XX/XXXX. At that time, they were notified they were in breach of the bankruptcy automatic stay. On XX/XX/XXXX, the bankruptcy case was completed and a discharge order was issued.

On or aboutXX/XX/XXXX One Main Financial reported on both XXXX  and XXXX XXXX 's credit report that the account was 90 days past due and a balance was still owed. This is in clear violation of the bankruptcy discharge and is a violation of federal law.
Product: Debt collection

XXXX XXXX XXXX attorneys at law XXXX XXXX XXXX XXXX, CA XXXX To Whom it may concern, This letter is being sent to you in accordance with 15 U.S. Code 1692 of the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that you have engaged in actions that violate the provisions outlined in the aforementioned statute. I demand that you cease and desist from further violations immediately. 

Specifically, I am asserting that your actions constitute unfair or unconscionable means to collect or attempt to collect a debt. Your conduct includes, but is not limited to, the following : 1. Using harassing or abusive tactics in connection with the collection of a debt.

2. Making false, deceptive, or misleading representations in connection with the collection of a debt.

3. Using unfair or unconscionable means to collect or attempt to collect a debt.

These actions are clear violations of the FDCPA to name a few, 15 U.S. Code 1692b ( 2 ) ,15 U.S. Code 1692c ( c ) ,15 U.S. Code 1692e ( 2 ) ( A ) ,15 U.S. Code 1692e ( 3 ), these are just a few of the statutes that you are violating and they are causing undue mental and financial distress and inconvenience to my life. 

I demand that you immediately cease and desist from any further communication or attempts to collect the debt in question. Pursuant to 15 U.S. Code 1692 ( c ), you are hereby notified to cease all communication and collection with me, except as permitted by the FDCPA. 

Failure to comply with this demand will result in further legal action being taken against you. Please be advised that I am prepared to pursue all available remedies under the law to ensure that our rights are protected. 

Furthermore, please note that this letter is not an acknowledgment of any liability on my part, and it is sent without prejudice to our rights and defenses, all of which are expressly reserved. 

I expect your prompt compliance ( as stated 15 U.S. Code 1692g ( a ) ) with this demand. If you have any questions or concerns regarding this matter, please do not hesitate to contact me.

Also 2 forms of Identification were sent on my behalf as well with the letter.
Product: Debt collection

XX/XX/XXXX Oxford law llc contacted the father of my x husband and my half brother and disclosed the amount of a debt that they claim that I owe with XXXX XXXX which I do not. They disclosed I owe {$5.00}, XX/XX/XXXX and stated they asked my half brother to help pay if off for me. This debt is not showing on my credit report. The girl that talked to my half brother was trying to get him to pay half of the debt right now over the phone. I requested a letter in writing validating this debt which I have yet to see. They are still calling other people regarding this fake debt trying to find out other information about me such as who my boyfriend is and how they can contact him about getting debt paid. I explained this is illegal and read from the credit consumers Web site and they argued with me that it is not illegal. Then XXXX put a man on the phone and he started yelling at me that they have every right to contact people to collect their money to their office. I hung up after stating I am reporting their company to the attorney general office.
Product: Checking or savings account

went to wells fargo and when i tried to open an account because mine was closed by wells fargo, they told me that someone else is using my social security number with a different name.
Product: Debt collection

debt reporting is invalid please remove immediately. Please send all ORIGINAL CONTRACTS and documents associated with that debt to validate it/DEBT VERIFICATION.
Product: Debt collection

Dispute of Debt Collection by Midland Credit Management , Inc . 

Dear CFPB Representative, I am writing to formally dispute the debt collection attempt made by Midland Credit Management , Inc. ( MCM ), as referenced in their correspondence to me dated XX/XX/2024. This debt appears to be inaccurate and should not be associated with me for the following reasons : 1.Verification of Debt : The Fair Debt Collection Practices Act ( FDCPA ) requires that a debt collector provide complete verification of the debt, including the original agreement and transaction details. I have not received sufficient documentation to validate this claim. 

2.Possible Errors in Reporting : There may be inaccuracies in the information provided by MCM. For example, the debt 's ownership and chain of custody appear unclear, as it was transferred or sold from XXXX, XXXX, without proper documentation provided to me. 

3.Statute of Limitations : Depending on the date of default and the governing state laws, this debt may fall outside the statute of limitations for collection, rendering it uncollectible.

4.Potential Violations of the Fair Credit Reporting Act ( FCRA ) : If MCM has reported this alleged debt to credit bureaus without proper validation, it may constitute a violation of the FCRA.

I request that you investigate this matter thoroughly and ensure MCM is complying with all applicable regulations. Furthermore, I ask that the CFPB direct MCM to provide the following : - A complete and detailed validation of the debt. 
- Proof of the original creditor 's contract and the chain of custody showing MCMs legal right to collect this debt. 
- Confirmation that this debt is not beyond the statute of limitations for collection in my state. 

If Midland Credit Management , Inc., fails to provide this information or is found to have violated the law, I request that the debt be removed from my records and that MCM cease all further collection attempts. 

Please inform me of the outcome of your investigation. I am prepared to provide additional documentation or information if needed. 

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

I am a victim of identity theft, please see attached FTC report and remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from My IDCare.com that there was a credit inquiry under my name or SSN from XXXX payday loan providers last XX/XX/2022 in which I didn't applied for. The companies are XXXX XXXX with tel. no. ( XXXX ) XXXX and XXXX XXXX with tel no. ( XXXX ) XXXX. I tried to settle and have the companies stop whatever illegal operation was being done under my account but they wanted some important information which I don't want to provide. ( my SSN ) In relation to this I would like to report this incident to protect myself or my account from being used in some illegal activities especially loans and purchases. Please help me resolve this problem as soon as possible. Thank you very much.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PNC BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

My TransUnion credit report shows XXXX XXXX performed a hard pull on XX/XX/XXXX and another on XX/XX/XXXX. I was not approved for my only XXXX XXXX card until XX/XX/XXXX. Their application process states they only perform a hard pull upon approval. 

I filed a complaint with XXXX, but they incorrectly referred to the XX/XX/XXXX pull as a soft pull and refused to remove it. However, my credit report clearly shows it as a hard pull under " Regular Inquiries, '' not " Account Review Inquiries '' where soft pulls appear. 

XXXX 's response ( attached ) falsely claims the XX/XX/XXXX inquiry was soft and provides no valid reason for its refusal to remove it. 

TransUnion does not offer a direct way to dispute this, and XXXX seems to have misunderstood the issue. 

Please remove this unauthorized hard pull from XX/XX/XXXX. I have attached proof of my sole XXXX account, opened on XX/XX/XXXX, documentation that my XX/XX/XXXX application was denied, and proof of XXXXXXXX XXXX policy to perform a hard pull only upon approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this is my debt. The XXXX credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXX Account number XXXX Recent balance {$520.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX  XXXX  Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$520.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Comment history Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) .| XX/XX/XXXX - XX/XX/XXXX Affected by natural or declared disaster.| XX/XX/XXXX Account history 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 Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$520.00} / No data/ No data/ No data XXXX XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data The original amount of this account was {$520.00}
Product: Mortgage

We had a mortgage loan with Huntington Bank and we are having difficulties in getting corrected yearend statements produced for the years affecting XX/XX/XXXX and XX/XX/XXXX. There seems to be incorrect coding in Huntington 's servicing system where it was not recognizing a bankruptcy that was discharged in XX/XX/XXXX.?? In XX/XX/XXXX both my ex-husband and myself filed a bankruptcy XXXX because of a failed XXXX. The BK was in fact discharged in XXXX XXXX. No reaffirmation was filed. In XX/XX/XXXX we tried to sell the home but was unsuccessful because we owed more than what it was worth. We had several short sale offers come in on the home but with repeated delays on Huntington 's end, we lost all offers. Because of delays and poor customer service by Huntington 's Loss Mit/short sale department caused the home to go to sheriff sale in XXXX XXXX. In XXXX and XXXX XXXX I received several XXXX forms from XXXX and XXXX that were prepared by Huntington. When I received the forms I called Huntington. I left a message with a rep who I explained what my phone call was about. She guaranteed me that someone will contact me back within a week ... ..which of course did not happen. I called again and finally spoke with a supervisor along with a manager and requested a correction. Because of the bankruptcy being discharged and with no reaffirmation filed, we were no longer liable for the debt. I was expecting a correction which would clearly state a " correction '' on the form along with not marking the form " not liable ''. The supervisor did say the proper BK coding was not there and corrections were made. The supervisor advised me that a correction will be sent on the XXXX form but I should disregard the XXXX form since that was an error. Even with receiving what I received and speaking with both the supervisor and XXXX I still felt the proper corrections were not sent to the IRS. Now in XX/XX/XXXX I received not only a XXXX but I received a XXXX on a house that was sold in XXXX XXXX??? The XX/XX/XXXX form came from Huntington Bank ... why? Why would we get these forms? I would like an answer from Huntington advising me that the proper corrections were made to the IRS in XX/XX/XXXX and why am I getting forms for XX/XX/XXXX. When it comes to the IRS I certainly do not want improper information sent to them.
Product: Debt collection

I have had a phone number call me 3-4x/day the past 2 weeks who is trying to collect a student loan debt from XXXX College . 

I answered once and explained to him that if we could consolidate the loans I would be more then happy to start paying them but he said they ca n't do that and that they will continue to call me then hung up the phone! 

I understand they are able to call me but 3-4x/day really?? 
They call around XXXX-XXXX. Once around XXXX, Once XXXX-XXXX then normally between XXXX-XXXX Example : XX/XX/2016 XXXX - XXXX calls XXXX - XXXX calls XXXX - XXXX calls again! 
HOLD ON NOT DONE YET! 
XXXX - XXXX CALLS AGAIN!!! -- excuse you my time is just as valuable as yours there is no need for you to call me this often. 

if you are a debt collector out there I want to give you a word of advice, if you call someone this often I am extremely frustrated right now to when I do answer that phone call wo n't be a pleasant conversation
Product: Credit reporting, credit repair services, or other personal consumer reports

BACK IN XXXX OF THIS YEAR ( 2021 XXXX WHEN I CHECK MY CREDIT REPORT XXXX  MONTHS AGO I NOTICE THAT THERE WAS ALOT OF HARD INQURIES FROM COMPANIES I NEVER GAVE MY PERMISSION TO RUN MY CREDIT. I HAD WRITTEN TO ALL XXXX CREDIT COMAPNIES AND PLACED A CREDIT FREEZE ON MY REPORT AS WELL. WITH NO LUCK, NONE OF THE CREDIT COMPANIES REMOVED ANYTHING. 
I HAVE BEEN WRITING BACK AND FORTH TO THEM AND STILL NO LUCK. BECAUSE OF THIS MY GOOD CREDIT HAD DROP AND I AM NOW NOT ABLE TO GET A HOME LOAN. I AHD GAVE ALL XXXX CREDIT COMPANIES DOCUMENTS SHOWING I DID NOT GIVE MY PERMISSION AND I ALSO HAVE AN I.D . THEFT ALERT ON MY CREDIT FILE FOR ALL XXXX COMPANIES. I DO NOT KNOW WHAT ELSE TO DO, CAN YOU PLEASE HELP ME OUT ....
Product: Credit card or prepaid card

SOMEONE HAD MY CARD INFO AND HAS BEEN USING IT IT BUY FOOD AND RIDES AND GET HOTELS AND AND TRANSFER MONET TO THIERT ACCOUNT. WHEN I NOTICED IT I CALLED CUSTOMER SERVICE AND SHE SAID I CANT DO ANTHING TILL ITS CLEARED AND SHE RESISSUED A CARDF AGAIN. 
A GUY NAME XXXX XXXX IS THE ONE THST  HAD MY CARD INFO AND RACKING UP THE MONEY THAT I NEED TO CATCH UP ON BILLS SO PLEASE HELP ME WI TH THIS THIS GUY NEEDS TO BE STOPPED
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

My name and addresses are in correct on all three larger Credit bureaus XXXX Transunion and XXXX My name is : XXXX XXXX address is : XXXX XXXX XXXX XXXX, Texas XXXX last XXXX social : XXXX