23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been getting calls and text messages for the past year from Midland Credit Management. They text from a XXXX digit number or call from random numbers and call multiple times I contacted them because I saw the collection notice on my credit report. They couldnt find my name at first. Then they asked for my maiden name and was able to pull up an account and account balance that I never heard of. 

I had this same issue back in XXXX  when I was sent a XXXX XXXX  XXXX  that I didnt request. I had to freeze all my credit accounts and when I attempted to get a police report. My police district said the creditor needs to reach out which they never did.
Product: Debt collection

To my understanding, this is a collection company. I do not owe this company any money. I asked them to delete it a few times, however it remains on my report and its impacted my score.
Product: Vehicle loan or lease

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card ccount under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Hello I got a letter from the XXXX XXXX, lawyers, and I have already talked to my landlord about what my situation is and I dont understand why I cant be put on a payment plan so I can get my rent paid. I lost my job in XXXX and I have been trying to play catch up on my rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$0.00}, Original creditor XXXX XXXX XXXX XXXXXXXX XXXX ), XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$0.00}, Original creditor XXXX XXXX XXXX ), Account Number : XXXX, Date opened XX/XX/XXXX, Balance {$520.00} ), Account Number : XXXX, Date opened XX/XX/XXXX, Balance {$1100.00} ), Account number XXXX, Date opened XX/XX/XXXX, Balance {$1000.00} ), Account number XXXX, Date opened XX/XX/XXXX, Balance {$460.00} ), Account number XXXX, Date opened XX/XX/XXXX, Balance {$500.00} ), XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$18000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$550.00} ), XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4400.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

This is stemming from a call I made to Capital One on XX/XX/XXXX asking about a balance transfer request I made for {$6000.00}. In this call the Cap One rep advised me the transfer was sent to an incorrect account number and told me she would cancel the original request and I could submit another request. I sent another transfer request at the instruction from that representative. After this call Capital one posted a balance transfer of {$6000.00} to my XXXX XXXX XXXXXXXX account sent on XX/XX/XXXX from Cap One and posted to the XXXX account on XX/XX/XXXX. Then on XX/XX/XXXX Capital one sent ANOTHER transfer request without my authorization, doubling the amount I asked them to transfer. This extra {$6000.00} was sent from my Cap One account on XX/XX/XXXX th and was received at XXXX on XX/XX/XXXX. XXXX XXXX XXXXXXXX sent the excess $ XXXX transfer back to Cap One on XXXX 
Capital One has not credited this amount back to my account and the reps I speak to keep telling me some one is looking into it and will call me back. My balances have not been corrected and no one has called me back. I spoke to XXXX at Cap One on XXXX  and was told I would be contacted in two days, no one called. I spoke to Supervisor XXXX XXXX ID XXXX on XX/XX/XXXX and was told I would be called by XXXX no one called. On XXXX  I spoke to supervisor XXXX XXXX ID XXXX who was very rude, did not listen to my inquiry, spoke over me, would not transfer the call, and hung up on me! 

TO this day my balances are still not corrected due to Capital One 's mistake. This is not a small mistake this is literally THOUSANDS OF DOLLARS!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed!

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP!

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$600.00} XXXX XXXX XXXX  XXXX Balance {$2100.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$7600.00} XXXX XXXX XXXX  {$4900.00} Date Opened XX/XX/XXXX XXXX  Balance {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

Someone sent me a XXXX payment for XXXX when I tried to withdraw the funds it was unavailable, but somehow the bank said I got it so I had to put in a claim for the money they gave me the money then took it back months later so I had to put in another claim and they havent got back in touch with me yet this happened XXXX ( I received the XXXX ) the replace it then XXXX took it back
Product: Credit reporting or other personal consumer reports

I am filing this report due to a critical concern regarding my FICO score. This is the fourth time I am submitting a complaint in regard to the same situation that has happened multiple times over the past year ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). On XX/XX/XXXX, my credit score through Experian was XXXX. The score factors indicated that I have no missed payments, I have limited the use of my available revolving credit, I have an established credit history, and I have shown recent use of credit cards and/or bank issued open-ended accounts ( see attachment ). On XX/XX/XXXX, my credit score indicated a decrease to XXXX. No factors were given for the drop. The only activity indicated for the period was " The total balance on all you XXXX account ( s ) has decreased by {$41.00}. '' My credit report has no negative accounts or information. How can my score decrease when there was no negative activity ( reported or otherwise ) whatsoever within 18 days? I have no inactive accounts reported to any of the credit bureaus. I also have only two credit cards reported and a mortgage, none of which are in delinquency or late. I have contacted the credit bureaus multiple times in the past to inquire why my credit score has gone down without any reason. Not a single customer service representative at any of the credit bureaus I contacted have provided an explanation. Over a 25-year span of building my immaculate credit, this significant drop is catastrophic and is a detriment to my personal and business financial burden ( i.e., line of credit, merchant account, property rentals, mortgage, insurance, credit cards, auto loans, equipment rental, terms of leases, business investments, and bank loans ). Credit standing is my blueprint and having a lower score can affect my standing with any reputable financial institution.
Product: Debt collection

This is the second complaint filed on this company and they still have not provided the information I sent in written request to them. After I filed the first complaint they blocked me from there companies main number and the ones they called me from and I still can not call the main 800 number and now they are calling me from a XXXX number before it was XXXX in California XXXX They are calling and when I answer hanging up to get me to call back and act as if I called them. I've sent in written request for them to provide me with the contract I had with the debt they say I owe and all they've sent was a half copy of a bill that looks to be photoshopped and is uneven on the paper. I filed the first complaint back in XXXX and have heard nothing from them until now and they are now harassing me with the hang up calls. They are now violating my rights as a consumer and this is getting out of hand
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 
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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history and demand that you investigate the accuracy of the accounts listed below : XXXX XXXX  account number : XXXX XXXX  XXXX. account number : XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of XXXX XXXX on-time payments. 

I expect to receive written documentation confirming the removal of these entries within XXXX  days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. Here I leave XXXX Attachments as proof. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

My XXXX XXXX XXXX child open this card an now I am having trouble closing this account
Product: Mortgage

I was looking to purchase a home XXXX XXXX XXXX and was originally quoted a rate of XXXX  % and was told I would not have to pay to buy down the rate. Within in XXXX hours I was told it would be XXXX  % and once again I would not have to pay to get the rate to the XXXX  % but if I wanted to I could pay more out of pocket to get closer to the original XXXX  %. Due to the rate going up I negotiated the price of the home and it was accepted. At that time I allowed them to pull my credit with the understanding I would be getting a XXXX  % rate and they would give me a XXXX  % credit towards closing costs. They then come back with a quote that was charging me {$XXXX} to get the XXXX  % rate and did not give me the XXXX  % credit. The {$XXXX} was the exact amount they reduced the price of the house so they lied to me and tried to get the money back by charging me for the rate. When I brought this up and told them I have proof of it they told me they no longer want to do business with me. Now I have a hard pull on my credit and Im unable to even purchase the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 
15 usc 1681 section 602 states I have a right to privacy.

15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I submitted Proof of identity address and FTC affidavit Please let me know if you need any other information from me to block this information from my credit report. 

I Really BEEN TRYING TO BE POLITE ABOUT THE THE SITUATION BEFORE TAKING LEGAL ACTION FOR DEFAMATION OF CHARACTER .HOW MANY TIMES DO I HAVE TO EXPRESS IM A VICTIM OF IDENTITY THEFT! 
Please Resolve this inconvenience for us BOTH Sincerely, XXXX XXXX
Product: Debt collection

I had a joint credit card with my son through XXXX XXXX in XX/XX/2013. My son has had lots of identity theft, and data breaches to his Social Security Number and personal information. There were multiple charges on his XXXX XXXX credit card he did not make. This negative charge off account was removed from my sons TransUnion credit history but not removed from my credit history through TransUnion. The XXXX XXXX account information is XXXX. I have included a copy of the police report stating one of my sons burglaries and his FTC report involving this account listed.
Product: Credit reporting or other personal consumer reports

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I explicitly request an immediate and comprehensive investigation into the following account : XXXX  : XXXX.
Product: Debt collection

I have done everything in my power to communicate with the school the debt originated from to update contact info, they refused and different individuals repeatedly dropped the ball on updated my info during Covid. I left the state to travel for work in XXXX  systems and I tried calling to have them update my phone number and address and a personal email address. Nothing was updated and they sent the account to collections summer of 2021. So it had been about 6 months until they sent it out to a third party collections agency. I have tried paying and have been paying on this XXXX debt which is now up to XXXX dollars and I have offered to settle it and I have been repeatedly called during work hours when I have stated many times what forms and hours and days of communication works best for me. They continue to defy that knowledge and call during work hours and when I call back on my days off they do not answer now get back to me. I send countless emails since emails work best for me. XXXX XXXX XXXX XXXX XXXX XXXX I can not just simply answer my phone. Im a loss and Im ready to hire a lawyer. I told them I would do two lump sums and the school agreed to that. They agreed to XXXX and I told them to take out XXXX and they have not processed my payments nor gotten back to me regarding this. Please help.
Product: Student loan

I am sending this complaint against Navient and Navient Solutions Inc. Originally, my student loans were with XXXX XXXX when I was enrolled in school. They were later sold to Navient. After Navient took control of my loans I was never notified by phone or mail. I received a copy of each one of my credit reports during the process of pre-qualifying for a home. At that time they were already reporting late payments to all of my credit reports. I immediately contacted Navient in hopes of securing a payment arrangement that would bring the accounts current. I was presented with a large monthly payment of {$1100.00} and I asked for a reduced payment plan based on my income ; which is what I was receiving for my Federal Student Loans with the Department of Education. Navient agreed and bought the payments down to $ XXXX monthly for all XXXX loans. Upon payment received by Navient, they were still reporting to all XXXX credit bureaus that I was delinquent. I 've disputed these late payments and accounts with both Navient and Navient Solutions several times over the past 3 years. I have not been successful. As a result my mother is not being garnished of her XXXX XXXX Check because she was my co-signer. When asked, Navient or Navient Solutions have not provided proof of loan amount due. Navient and Navient Solutions are reporting to my credit reports that accounts are closed with XXXX balances with late payments.
Product: Student loan

I learned over 10 years ago that the Bush Administration passed a law that would allow those with outstanding loan debt forgiveness if they worked int he XXXX XXXX. For ten years I diligently paid my monthly bill so that I would have a blemish on my record. When I hit 10 years I applied to have my loan forgiven. I completed all of the necessary paperwork, provided work history, had my loan transferred from the third party vendor back to the DOE. To my surprise, after my loan was transferred I learned that I was not eligible because i had been on the wrong payment plan for 10 years. Why would a payment plan make a difference? I paid regularly, I worked in the XXXX XXXX, declined job offers from the private sector just waiting for the day that my dedication to XXXX XXXX would assist in the hefty weight of these loans.

Once I discovered that I was ineligible I emailed my representatives in Washington. Not one responded to my particular issue. I got a curt, pre-populated response from one and no response from my senator.

In my opinion the way that this was rolled out and so poorly represented to the public is fraudulent. Not once did my lender inform me of repayment options. When I graduated with my XXXX  's I consolidated my loans because that is what seemed to make the most sense at that time. There was no education about repayment plans and repercussions of not choosing the right ones. There was no re-education once this bill was passed outlining the need to amend my payment plan to ensure eligibility.

Again, fraudulent, frustrating and a let down.
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$4900.00}.
Product: Debt collection

Medical bill stemming from a motor vehicle accident XX/XX/2013. 
Entire bill was paid from medical bill lien {$5700.00} dollars ( Copy Enclosed ) and account is settled in full. 

This is the second attempt to collect this debt from this XXXX office.
Product: Debt collection

I noticed some discrepancies in what I received from Medicredit and what is written in the 12 CFR Part 1006 ( Regulation F ) ( XX/XX/2021 version ) and ( FDCPA ). I have not received any sort of validation notice after the first 5 days of being contacted. XXXX. The letter I received does not include : a tear off form that you can send back to the debt collector to dispute the debt or take other actions or ANY information on how to dispute the claim XXXX ( c ) ( 4 ) an itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization dateXXXX ( c ) ( 2 ) ( vii ) XXXX ( c ) ( 2 ) ( viii ) The last payment date, which is the date the last payment was applied to the debt XXXX ( b ) ( XXXX ) ( i ) Proof of ownership of the debt Proof that Medicredit is authorized to collect on behave of the original creditor and any details debt collectors authority to collect this money.

Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX