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

I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, XXXX, AND TRANSUNION. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. AS CONSUMER, I AM REALLY SO FRUSTRATED THAT NO ACTION IS BEING TAKEN BY THE FOLLOWING BUREAUS : XXXX : XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX Code XXXX ( a ) ( XXXX ) ( B ) and ACCOUNT NAME AND NUMBER must be removed.. 


XXXX : XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and { ACCOUNT NAME AND NUMBER } must be removed. 
XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX  Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and this account not mine must be removed TRANSUNION : XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX  Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and this account not mine must be removed
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CREDT REPORT ON XX/XX/2023 AND NOTICE THERE WAS AN INQUIRY ON MY CONSUMER REPORT FROM COMENTITYBANK/JARED THE INQUIRY HAD TAKEN PLACE ON XX/XX/2023. I HAD UNLOCKED MY CREDIT TO PURCHASE A VEHICLE AND PURCHASE FURNITURE FOR MY NEW HOME.
Product: Credit card or prepaid card

I previously disputed a charge on XXXX XXXX  for {$1000.00} on XX/XX/17 with Capital One and asked Capital One to block the charges so that no future charges come through from that merchant.
Product: Prepaid card

I have several American Express gift cards that I received as a gift. They all have a balance on them that I can check online. However, when trying to use them in-store or online all transactions get declined. There is enough balance on the cards and I've tried small transactions and transactions for the full value. All get declined. 

There is no way to get to a person when calling American Express XXXX XXXX services which is super annoying. I have a total of {$450.00} on XXXX cards that I can't use and have now wasted time trying and get declines!
Product: Credit reporting or other personal consumer reports

XXXX just sent a letter stating that XXXX is the party that got multiple parent plus loans. If XXXX XXXX XXXX approved and agreed to any loans shouldn't the party accusing me have my signature agreeing to such agreement? I never signed for any Parent Plus Loans and I suggest you go after whoever submitted docs without my approval. I'm sick and tired of being harassed by this company and their false claims. Please provide docs with my signature and I will send in my bank signature card so we can compare these signatures. this sounds like a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Peter Roberts & Associates has placed a fraudulent account on my credit reports.

XXXX  2021 I sent PRA a 93A Demand Notice informing them of : 1 ) their illegal reporting under their own name in violation of MA General Laws 209 CMR 18.17 : Unfair Practices ( 11 ) and 940 CMR 7.07 : General Unfair or Deceptive Acts or Practices ( 15 ) and ( 21 ).

2 ) Requesting validation of debt as I had no knowledge of this account 3 ) Requesting proof of ownership of the account as I have never heard of this company before PRA Failed to reply to my 93A Demand within the mandatory 30 day period. 

I sent a second 93A Demand notice XX/XX/2021 informing them of their multiple state and federal violations including attempt to collect upon a debt not validated, failure to inform me of my rights as a Massachusetts Consumer and failure to inform me of the debt in general before placing it on my credit report. 

PRA replied XX/XX/2021 with a three sentence statement claiming the alleged debt was " valid ''. They failed to provide any proof of their claim, they failed to provide proof of ownership of the account. They removed the account from my XXXX  and XXXX  reports however they continued in their reporting to XXXX  and continued to attempt to collect upon the account. 

XX/XX/2021 I sent a 3rd and final 93A Demand Notice cc'ing the Attorney General 's Office of their federal and state violations. PRA replied to this notice with a refusal to investigate or provide any validation. 

To date : no validation of the alleged account has been provided, PRA continues to report under their own name on the credit bureaus, they have continued to attempt to collect upon a fraudulent account and they have refused to investigate further.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I didnt open this account. I didnt give anyone permission to open these accounts using my information. I am requesting that the account be closed & removed from my credit report. Please investigate this matter and correct the fraudulent account as soon as possible. In addition, pursuant to FACTA, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to these fraudulent accounts.
Product: Checking or savings account

I am a XXXX XXXX XXXX  and was issued the XXXX wallet as a source of payment. The fees are ridiculous and transfers to my bank account incur more fees.
Product: Payday loan, title loan, or personal loan

Hello, When I signed up for XXXX XXXX XXXX  through XXXX, it was a Citizens One credit line. There was a duplicate order and I was shipped two XXXX as part of the process. I returned the second unit in XXXX, but I have been debited each month for both orders. I tried to work this out with Citizens One over the phone in the late spring, but they continue to double charge me. 

My original order ended up duplicated by XXXX. 

I had two orders : XXXX XXXX Both were placed on or around XXXX XXXX. 

The second order was returned to XXXX and received by them at the end of the first week of XXXX. 

For each order, I have been charged at {$37.00} each month since then. 

I called in XXXX to have this handled, and was told Citizens would contact me but have not. Since then I have not been able to reach their people. I will frequently get put on hold and then have to drop.
Product: Student loan

I came to CFBP regarding this very matter in XXXX. Now CFPB has initiated this ... 

" CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, Transworld Systems for Illegal Student Loan Debt Collection Lawsuits All XXXX Loans Will Be Independently Audited, Companies Will Pay at Least {$21.00} Million and Stop Suing for Invalid or Unverified Debts XX/XX/XXXX '' I understand that the CFBP could not assist at the time for whatever reason in XXXX referencing case number : # XXXX. When I came to CFPB asking for the assistance. After I did my research I found that I never even knew XXXX XXXX XXXX XXXX XXXX. and that I had never had any dealing with them at all. I am requesting that CFBP add XXXX XXXX XXXX to the above referenced publication on the CFPB website.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report listed on the account XXXX. There are late payments that should not be reported to my consumer file. Each consumer agency is required to send out a notice prior to reporting any such information. Are the consumer agencies exempt from federal law? 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with ( ROCKET MTG, XXXX CARD, CAPITAL XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Hi XXXX ; XXXX confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX  for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXX XXXX XXXX XXXX XXXX XX/XX/2016 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union received my complain on XX/XX/XXXX and here its is XX/XX/XXXX and still no response
Product: Mortgage

On XX/XX/18, I received a letter in the mail stating to contact them for assistance through the loss mitigation process. I am current on my mortgage and have never had a late payment. On XX/XX/18, I immediately called the number on the letter. It listed a Single Point of Contact of XXXX XXXX. I spoke with her and she stated that she was no longer servicing my loan. I questioned that because I had just gotten the letter the day before. She basically refused to help me and stated she had to transfer me somewhere else. When she transferred me the phone rang like 25 times and no on answered. I called XXXX back, but she wasn't available, so I transferred to someone else named XXXX, who was knowledgeable and helpful. I explained to her that I did not request loss mitigation and I was current on my mortgage. She reviewed my account and confirmed the same. I asked why I received this letter, she stated that someone made an error. An error!? This is my mortgage and they are sending me letters about loss mitigation when I have never missed a payment or requested that. I have had nothing but problems with this mortgage company since my mortgage was sold by XXXX XXXX to them. They had my personal information all jumbled up in their system, they are calling me at work to get me to refinance, and now they are making errors that I requested loss mitigation, when I didn't request it nor have a ever made a late payment.
Product: Debt collection

Since XX/XX/XXXX I mailed a certified letter to the collection agency Midland Funding asking them verify or remove the debt. They did not respond to my letter within 30 days. On XX/XX/XXXX I asked XXXX  to remove the debt since they did not verify the debt to me within 30 days. XXXX  sent to Midland Funding a request for verification and it came back valid to XXXX, yet Midland Funding didn't send me verification as I requested. 

I have repeatedly disputed the debt from the collection agency Midland Funding. My last letter to Midland Funding was sent certified mailed on XX/XX/XXXX. I did received a statement from Midland Funding, yet again they did not respond to the letter with any information that was requested. 

I asked for : Name and balance of the original creditor? 
Highest balance amount of delinquency? 
Was the debt assigned to Midland or did they purchase it from XXXX XXXX Monthly statements or purchases with the original creditor.
Product: Credit reporting

This company XXXX XXXX filed a debt on my credit report after I disputed debt with them. They have even sent me letter showing proof I am disputing because they have requested more info. 
Also they have now sent me a letter offering me to pay half the debt, which makes no sense. It is not mines and should never have been put on my credit report. 
Under the law I have a right to dispute a debt.
Product: Checking or savings account

Issue is between USAA and XXXX XXXX Submitted a check from my USAA account to my XXXX at XXXX XXXX Could not deposit due to endorsement problem, so XXXX requested a second check First check return, and second cashed XXXX days later, first check also cashed, and despite XXXX request to return check, XXXX XXXX says it is lost Neither bank, USAA nor XXXX XXXX, is helping me Please help! 

XXXX
Product: Debt collection

MUTUAL MANAGEMENT SR ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MUTUAL MANAGEMENT SR or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MUTUAL MANAGEMENT SR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX ACM Group FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX This firm called my elderly mother looking for me, she 's in XXXX, I 'm in XXXX. They tried to have her " identify me '' by telling her my former addresses ( what? ). They told her I need to sign a legal or court document called a " Preliminary Notice of Further Action '' regarding a debt w/in 72 hours. They left a number for me to call back. 
I called it and was told this is ACM Group ; we were hired by someone who is collecting a debt for XXXX. ( I googled ACM Group and found on page XXXX the FTC data ). ACM said they were calling " to establish my direct refusal to pay ''. I asked him to ID the debt before I refused to pay it, he gave me XXXX digits, I said this does n't help. I asked for the nature of the debt, he said an installment loan. I said I never had an installment loan - I 've had many accounts with XXXX, but most were deposits and my HELOC was repaid 4-5 years ago in full. He said he would recommend that his client file a " Preliminary Notice of Further Action '', then. I asked what that was and said he should hold off and just send me a proof of debt, he refused, and said it would take too long. I told him I pay my debts if I owe them - I then asked him to read the itemization on this account. He said he would email my file to me if I would read it now. I was at work, and told him that 's not a secure way to transmit this info, and again asked him to mail me his records. I asked how else can I determine what the account he has is. I do n't think I finished before he hung up on me. 
I have been called by XXXX-XXXX other collection firms over 3 years about a phantom XXXX account. I always ask for proof of the debt and an itemization of charges because I do not know of any current XXXX debt. After that I never hear back from that collector. 
My poor Mom is freaked out, she wants to know if I need money or if I 'm in trouble, she 's unnecessarily worried. I 'm fine, healthy, well employed and do not need her help. 
This sucks! I need your help!!. 
I called XXXX and was told they have no active accounts of mine, but they might have sold some debt, or maybe not. I asked what debt and was told " maybe not ''.
Product: Credit card or prepaid card

Made a payment on XX/XX/2022 for {$1400.00} ( statement balance ) on the mobile app, they took the money twice on the same day. After I check my bank account, I called them they wanted me to keep in account as a credit XXXX or it will take 10 working days to get it back into my account. Called twice with over 45 mns hold time each time and got two different answers when I will get my money back. 
Each time I had to give them the routing number and the account number.