23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit, XXXX, Portfolio Back to back phone calls, all throughout the night, during work, I had to change my phone number because it would not stop ringing, ever. When I did answer, I was met with a very vulgar and inappropriate discussion. They contacted my immediate family, harassed them. I have a judgment that was filed in XXXX  that I have not been aware of until now. 
I'm unable to open bank accounts, unable to obtain credit, they have caused an extensive amount of hardship on top of the hardship I was already facing. 
The accounts stem from XXXX credit cards my son 's mother opened in my name. 
She left immediately after he was born and I have had him by myself since he was born. 
During this time, I was a XXXX  father with newborn baby, lost our home. 
At the same time, they are calling, harassing me, making it impossible for to obtain financial assistance. Making it impossible to even use my phone, My phone would go dead by lunch, I could not even use it, I would have to turn it off. non-stop, back to back to back, without cease. 
Also, at the same time, I failed to close the checking account at the bank I was with and the monthly service fee over drafted the account XXXX dollars, resulting in XXXX dollar daily overdraft fees until my account reached XXXX XXXX dollars. Then closed the account. 

Total balances : {$900.00}, XXXX, {$400.00} XXXX XXXX, XXXX XXXX and XXXX XXXX dollars. 

My son is now XXXX, we still do not have a home that ours, Nor do I foresee us having a home or anything anywhere in the near future unless these matters are resolved. 

I do accept full responsibility for the debts, I do not think it is fair the way midland credit management and its associates handled the account, especially in such a critical time in my life. Thank you.
Product: Debt collection

The dilemma is they have XXXX accounts in regards to my XXXX sons who were never seen, treated or admitted to any medical facility ever since birth. Both accounts are for {$900.00} each dated XX/XX/ for a total of {$1800.00}. I have contacted and disputed this collection before.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX Balance Owed : {$2200.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on 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
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I need you to correct and or remove the following accounts reporting erroneous information on my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Experian ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the XXXX parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$420.00}. 
Im attaching the required FTC Report for you ( which complies with FCRA XXXXection 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Vehicle loan or lease

US Bank received my payment on XX/XX/23 and they are not posting it to may account until XX/XX/23, when my final payment is due. Though I have consistently paid early and on time, but now at the end of the lease, because I am purchasing the vehicle they won't post the payment they received and allow me to purchase the vehicle without extra fees because even though they have the funds due, they won't post the payment. I am not bankrupt, the payment has cleared my account. There is no reason to not post the payment and let me move on with my life without paying extra fees. Instead they want me to wait until after XX/XX/23 risk an interest rate increase, even though they have the money.
Product: Credit card or prepaid card

I have had a Macys XXXX XXXX card through Department Store National Bank. First problem, this is NOT a REAL XXXX XXXX card, and this nebulous bank name is impossible to find a " real '' point of contact. I have had 3 incidents with this bank. 

# 1 I phoned Macys and got the payoff balance for my credit card. I paid it off over the phone and stopped using the card. I was in the process of purchasing a home. There was an outstanding balance of {$2.00} cents that was not paid off ( unknown to me ). It accused months of late charges, and when it came time to get my mortgage, I was denied because of this credit card late charges. Which, because I normally bank online, thought was PAID OFF months ago. Despite 12 phone calls to Macys Customer Services begging and pleading, they would not change the report to the credit bureaus and I lost the house I was trying to purchase and had to wait 6 months to clear up the credit report. 

# 2 I purchased 2 coats online with what I thought was my only macys  charge, my Macys XXXX XXXX card. Week later, returned both cards to store with receipt. when I got my statement there was a XXXX balance, as expected. Two months later, I get a late bill because the cashier returned the coat to my inshore card!!! Which I did not know I had. I was charged late fees, etc ... .Ended up paying in the end! 

# 3 In XXXX my bank gave me a HELOC to pay off my credit cards. They paid with a cashiers check mailed to Macys. It has been 3 months now, and my card still had not been credited for the payoff. I have phoned them 16 times now, and they keep telling me they will research it, but nothing is done. I now owe XXXXXXXX XXXX {$800.00} and Macys {$800.00}. Neither bank will do anything! Criminal
Product: Credit reporting or other personal consumer reports

I am writing to demand an immediate correction of the errors in the listed accounts based on violations of the XXXX XXXX reporting standards. 
Violations Identified : XXXX. XXXX Account # XXXX : ** Date Last Active : There is a discrepancy between XXXX, XXXX, and TransUnion regarding the Date Last Active. XXXX XXXX reporting standards require consistency across all bureaus, and this mismatch must be corrected immediately. 
Account Status : The account is listed as " Closed '' across all bureaus, but there is an inconsistency in the comments, which mention the account being closed at the request of the credit grantor. These comments are vague and violate XXXX XXXX standards of providing precise information. 
Late Payment History : The late payment history reporting is inconsistent. One bureau reports a 30-day late payment multiple times, while another fails to list this history properly. Uniformity in reporting late payments is mandatory. 
XXXX. XXXX XXXX XXXX Account # XXXX : ** Account Status : The account status is marked as " Closed '' across all bureaus, but the Date Last Active field varies between bureaus. This inconsistency is a violation of XXXX XXXX guidelines. 
Late Payment History : The account indicates a single 30-day late payment, but this is not uniformly reported across all three bureaus. I request that this late payment be properly validated or removed due to inconsistency. 
XXXX. XXXXXXXX XXXX XXXX Account # XXXX : ** Date Last Active : XXXX and XXXX show different dates for when the account was last active, and the comments mention a 30-day late payment, but this is not consistently reflected in all bureaus. 
Late Payment History : The payment history is not accurately reported across all three bureaus. 
XXXX reports late payments differently than TransUnion. This failure to follow XXXX XXXX standards is unacceptable and needs immediate rectification. 
XXXX. XXXX Account # XXXX : ** Date Last Active : The accounts last activity date varies between bureaus, violating XXXX XXXX requirements for consistency. 
Late Payment History : There is a single late payment listed, but it is not consistently reported across all three bureaus. Additionally, comments about the account being Current while also listing late payments are contradictory and require clarification in accordance with XXXX XXXX guidelines.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I discovered that my credit report inaccurately lists my credit score as XXXX. My actual credit score is approximately XXXX, as confirmed by XXXX and XXXX. This discrepancy has led to unfair denials of my credit applications, which is affecting my ability to secure necessary resources for my family. 

Additionally, XXXX XXXX XXXX is reporting negative information on my credit report. My lease with them ended on [ insert end date of lease ], during which I experienced several unresolved issues with their management. Therefore, I believe that their reporting does not accurately reflect my experience and the status of my lease. 

I request that these inaccuracies be investigated and corrected promptly.
Product: Credit reporting or other personal consumer reports

Heres your revised text with improved structure and spacing for clarity while keeping the original intent intact : Please note that the FDCPA has been violated by mischaracterizing this alleged debt in your attempts to collect. 

In your previously derelict letter ( which I presume was your attempt to validate the debt ), you referenced a loan balance, when in fact the laws governing the alleged contract clearly categorize this as a credit sale. No loan has taken place between any parties involved in the alleged agreement. The alleged debtor is not a borrower, nor have they been loaned any goods or advanced any money by the alleged creditor. 

Your reporting is not only deceptively misleading, but it is also substantially absent of requisite : Conditional verifiability Validity ( as related to document evidence supporting physical proof of truth, correctness, and completeness of the claim ) Certifiability ( e.g., compliance with XXXX XXXX Format ). 
Per my state 's applicable reporting and/or collection laws, as well as federal standards, no derelict claim may be retained, much less reported. I therefore demand that you REMOVE FROM REPORTING this claim of repossession immediately. 

Any furtherance of this action will be assumed to constitute your willful disregard of reporting requisites and may be considered intentional harassment or even extortion under the threat of financial injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : [ XXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXX  ] [ XXXX ] Balance : {$35000.00} In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Student loan

Called on the XXXX of XXXX to discuss why XXXX $ was taken out of my debit account when I can not afford this payment. In order to lower my payments I submitted an income drive repayment plan application. Fedloan sent me a letter saying it was still pending but they needed more information. I sent all correct documents such as my most current tax information. When I called Fedloan customer service they agreed with me in that letter I was sent did not make sense and therefore my application should not be pending. The agent I spoke to, ensured me that my next payment would not be debited from my account because she will suspend it. As of today, XX/XX/XXXX, when I look at my bank statement it says my debit account is XXXX $ because Fedloan RETRIED a payment of XXXX XXXX They are not giving me clear information and clearly aren't following through with the requests i've made. I am also trying to take my account and routing number off of my Fedloan account online and I am unable to do so. I refuse to make any more payments until this situation is rectified on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2023 RE : XXXX XXXX XXXX XXXX No Response To whomever it may concern : According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history, note or other instrument bearing my signature. 

15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

I expect to see a response from you within 15 days proving the validity of this account. If you can not validate this account, then I ask that you immediately delete this from my credit reports. 

The following accounts are listed below : XXXX Account number : XXXX ( Balance {$26.00}, XXXX ) XXXX Account number : XXXX ( Balance {>= $1,000,000} ) XXXX Account number : XXXX ( Balance {$1000.00} ) Thank you and best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is attempting to get money from money that have never dealt or owed them money. I confiemed they are scammers over the phone and they literally blocked my number!
Product: Credit card

I had paid off my Amazon card through asynchrony Bank and they werent applying the payment to my card when it should had been applied the same day or the next. I complained and they stated because I was paying off such high amounts of payments that it would take longer. I have never in my life heard an explanation like that. I told them if they didnt apply my payments in a timely manner, I would report them to CFPB. It took Synchrony Bank several days ( up to 4 or more ) to post them to my account. XXXX XXXX XXXX XXXX XXXX I receive a notification in my Amazon account that my account limit was being lower to {$240.00} from {$800.00}. I think it was in retaliation because I told them I was going to report them to CFPB but they gave me some other ridiculous explanation. They need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has XXXX XXXX XXXX reporting on my credit report and it is incorrect and unknown. Have been disputing with company for over a year and still no resolution.
Product: Credit card

In accordance with the fair credit reporting act Comenity Bank/forever21 acct # XXXX has violated my rights on Sept 2023 15 USC 1681 Section 602 states I have the right to privacy.

15USC 1981 Section 604A Section 2 : It also states a consumer reporting agency can not 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, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt that was received from XXXX XXXX/XXXX of {$190.00}. I have notified XXXX XXXX, but it still shows on Transunion and XXXX as closed, but with a balance of {$190.00} owing. XXXX is used as a conduit for payment instead of exposing my bank account or credit card to prevent fraud. I had one account with XXXX XXXX and paid it completely on XX/XX/XXXX, leaving an overpayment of {$3.00}. On XXXX XXXX, XXXX stated the balance on the account was {$0.00}, the {$3.00} disappeared from the records. 
I never used XXXX for extended charges afterwards, or small charges, which XXXX XXXX stated occurred on XX/XX/XXXX - {$7.00}, {$1.00} ; XX/XX/XXXX - {$7.00} ; XX/XX/XXXX - {$6.00}, {$5.00} ; XX/XX/XXXX - {$9.00} The charges totalled {$37.00}. On XX/XX/XXXX - {$29.00} was added to the total, XX/XX/XXXX - {$66.00} + {$40.00}, XXXX XXXX {$38.00} + {$2.00}, and XX/XX/XXXX - {$38.00} + {$3.00}. While XXXX XXXX shared this information with me, Transunion, nor XXXX bothered to investigate by confirming with XXXX. These charges would not have accrued on my XXXX account as they would have been taken directed from my bank account through XXXX. I am including records of XXXX transaction made during XXXX through mid XXXX. The charges are FRAUD. These charges are not shown on the records. I'm including my XXXX records for your review.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized, and I ask that you delete them : Inquire from AMERICAN EXPRESS on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

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 ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting

XXXX and XXXX Is reaging a debt that was charged off XX/XX/2009 by continental finance and they are reporting this as a new collection on my credit reports
Product: Checking or savings account

I reserved a trip with XXXX for a trip in XX/XX/2020. They took payments out of my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of {$780.00}. On XX/XX/XXXX I received a letter from XXXX stating all trips have been canceled and I must contact bank for refunds. Company stated they would not be able to issue any refunds. I contacted bank to dispute the 4 transactions after trying to reach company with no luck. No answers from phone call and no return phone calls. USAA said they cant refund me and I must contact the merchant. However the merchant cant be reached and I was informed to contact my bank. Please help.