23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I am writing to formally lodge a complaint against [ MIDLAND CREDIT MANAGEMENT INC ] for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing violations of 12 CFR 1006.34.

Summary of Violations : 1. Failure to Provide Validation : [ MIDLAND CREDIT MANAGEMENT INC ] has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite my request for validation of the alleged debt, they have not supplied any documentation or information to substantiate their claims.

2. Dispute Rights : I have not been afforded the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). The lack of validation has prevented me from appropriately addressing the validity of the debt.

3. False and Misleading Practices : The collection agency is using false, misleading, and deceptive means in their attempts to collect this alleged debt, which constitutes a clear violation of consumer protection laws.

4. Unauthorized Reporting : [ MIDLAND CREDIT MANAGEMENT INC ] has furnished an account to consumer reporting agencies without providing the necessary disclosures required by law, thus violating 12 CFR 1006.34 ( d ) and USC 1681s-2 ( a ) ( 7 ) ( A ).

Dispute Declaration : I hereby dispute owing {$410.00} to [ MIDLAND CREDIT MANAGEMENT INC ]. I am requesting that they cease all communication with me via text, email, or phone calls, as I am revoking all rights for them to contact me in this manner.

Request for Documentation : I also formally request the following : A complete validation of the debt in question, including any purchase agreements between [ MIDLAND CREDIT MANAGEMENT INC ] and the original creditor.

Any documentation that demonstrates their authority to collect on this alleged debt.

Please address this matter promptly. I would like confirmation that my dispute has been received and that appropriate actions are being taken regarding this issue. Thank you in advance!
Product: Credit reporting

On XXXX XXXX XXXX, I pulled a copy of my credit report from Equifax. There was a medical collection on it for {$360.00} with an unknown creditor. On XXXX XXXX, XXXX, I wrote to Equifax to dispute said alleged debt and asked for validation. Equifax responded on XXXX XXXX, XXXX, after the 30 day time frame, and indicated and updated that the alleged debt was for {$410.00} and that it was paid in full. Equifax did not validate said debt nor did they mark it disputed. To date, XXXX XXXX, XXXX, this alleged debt has never been validated nor has my credit report been marked " disputed '', but Equifax continues to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has charged me for 3 different times for services I've repeatedly esch month have asked to be canceled but each month they take my money off my card then tell me there isnt a refund policy. Like they are stealing from me period. Please help
Product: Debt collection

on XX/XX/2023 I contacted ( on a recorded line by both parties ), LVNV Funding LLC in regards to an account ending in XXXX reference ID : XXXX reporting on my consumer report. 1.there were inaccurate incomplete information being reported. i asked the representative to send me a debt validation letter. The representative agreed and after receiving the validation letter. the information being reported is still incomplete inaccurate information. pursuant to 15 U.S. Code 1692e - False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. 2.also there was no written agreement made by me for LVNV Funding LLC to have my information be seen by a third-party ( Resurgent Capital Services ) . the creditor reporting the information should be the one managing the account. XXXX different companies have had my information on my account. the original creditor XXXX XXXX XXXX, debt collector LVNV Funding LLC, and resurgent capital services. there is also XXXX XXXX XXXX with my information. i also spoke with XXXX XXXX XXXX representative on the phone which was also recorded by both parties. pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general ( 2In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans dates and amounts as followes Date opened XX/XX/XXXX amount for XXXX Date opened XX/XX/XXXX amount for XXXX Dated opened XX/XX/XXXX for amount XXXX Date opened XX/XX/XXXX for amount XXXX According to section 611 of the fair credit reporting agency act should be Removed immediately I have also checked with my state attorney genral and verified that the statue of limitations for enforcing this type of debt has expired I 'm requesting all these expired items be removed from mr credit report Refer to FCRA section623 ( a ) ( 3 ) { 15 U.S.C. 1681s-2 Delet items from my file
Product: Debt collection

Grant Mercantile Agency and the credit bureaus are reporting erroneous information on my credit report.
Product: Checking or savings account

In late XX/XX/XXXX my CD with US Bank ( XXXX ) came up for renewal. They offered 1.15 % APY for 59 months. I agreed since one of their representatives assured me that if rates went up, I could redo it at a higher rate for just a {$25.00} fee, NO other penalty. I thought this was unusual so I triple checked it with him. He assured me that was right. I keep detailed notes of such conversations, including this one. That was XX/XX/XXXX. When rates recently went up to over 4 % I contacted US Bank to convert it over to the higher rate. Now they've told me that there is a penalty of 3 % of the principal. Along with the {$25.00} fee that would be {$270.00}, which wouldn't make financial sense to do it. I asked them to look up a recording of the call in which I was definitely told it would be just a fee of {$25.00}. They wouldn't and said there was nothing that could be done. One of their reps did tell me that the original rep I spoke to in XX/XX/XXXX would've been on sales commission to get that renewal. I know US Bank has been fined before for pressuring employees for sales. I just want them to keep their word in what I was told -- convert the CD still with them for {$25.00}.
Product: Payday loan, title loan, or personal loan

I am a XXXX XXXX XXXX that was XXXX XXXX XXXX on my site XXXX and XXXX. I was using PayPal check out. About the end of XX/XX/XXXXbeginning of XX/XX/XXXX I was given a {$3000.00} dollar credit limit with PayPal and I did not ask for this I though this was from my sold items on my web sites.
The interest when this loan started was 0 interest for 1 year and 70 % of the charges on this loan are not even a year old. I made close to {$2500.00} dollars in charges that started around XX/XX/XXXX. It seems that they held there end of the terms of 0 interest for one year for only 6 months. Then I noticed after paying PayPal back up to XX/XX/XXXX that my balance was not going down. This is when I contacted the company and asked why my balance not going down with a balance due of {$64.00} dollars a month and paying over {$100.00} dollars a month for the last year how am I occurring interest charges. At first I noticed this was not interest charges it was all late fee 's of {$35.00} dollars a month for the last year and my payments were always on time with the payment due by the second of each month my payments were sent by US mail to PayPal Credit XXXX XXXX XXXX XXXX Georgia.
Sent out with a money order by the XXXX of each month. I called PayPal Back in XX/XX/XXXXand raised this concern as to why is this payments not going down. They showed me my invoices and I seen that there was a {$35.00} dollars late fee on all of my invoices for the last year with no notification by paperless statements to my email on file XXXX. I received just an email saying we received your payment and your statement is ready. I have contacted them and they said back in XX/XX/XXXX they could only remove all my late fees for the last 180 days that 's 6 months then they said no it is 3 months and we will give you a {$100.00} dollar credit that 's it. I gave up fighting and realized I was scammed.
Now after contacting them today XX/XX/XXXX I noticed that they hid the late fees in my account said they gave me a {$100.00} dollars credit and are now charging me an {$80.00} dollar a month interest fee each month that is insane. They have also charged me another late fee of XXXX dollars for XXXX when the payment for XX/XX/XXXX they said they did not receive until XX/XX/XXXX. They are doing this on purpose so that I have all of these interest charges on the {$2300.00} dollars I owe them and I will be in debit forever with these people.
This is wrong and I want something done please.
I am reporting this also to the Federal Trade commission.
Regards XX/XX/XXXX
Product: Credit reporting 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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

Hello I am writing to make a complaint against Transunion due to them not removing XXXX XXXX XXXX XXXX from my report. I have written disputes on several occasion and each time they verify as accurate. 

On XX/XX/XXXX I received a consent order from XXXX XXXX XXXX XXXX with an order to clear up customer reports. As of today Transunion has not removed it from my report like XXXX and XXXX did. XXXX also refuse to respond to my request to resolve this issue. 

This inaccuracy is causing me to be unable to get loans and right now I really need XXXX to put a new roof on my house. Every loan I have applied for has been denied due to Transunion reporting. 

Transunion continue to report inaccurate information on my report and I would like for XXXX to be removed immediately. I sent them several documents to prove that I do not owe this company. 

Disputes dates/ file # I requested with Transunion are as followed : XX/XX/XXXX File # XXXX XX/XX/XXXX File # XXXX XX/XX/XXXX File # XXXX XX/XX/XXXX File # XXXX XX/XX/XXXX File # XXXX Ive sent them letters I sent to XXXX, consent order and several other documents. I even made request for them to send me validation from XXXX and all I receive is a copy of credit report. 

It is unfair that I can not get XXXX or Transunion investigate/ respond to my claim of inaccuracy on my report. 

Please help me get this off of my report because it is harming my great credit report I finally established. I take great pride in handling my creditor that I owe and my credit report should reflect me as an responsible and credit worthy.
Product: Debt collection

On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped over 40 points. I logged on and found that Stanislaus Credit Control had illegally posted a collection account and the original creditor was XXXX XXXX XXXX. I have never heard of nor had an account with either of these two companies. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$470.00} I have no know knowledge of these two companies nor this debt. I have never had an account not any dealings with either of them. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with this account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 )  contractual proof of obligation or an assignment SIGNED in BLUE ink from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requesting evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. 
Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account ever in the mail. They have illegally posted and reported to my credit file file without adhering to the FDCPA laws. 

When I got the email on XX/XX/XXXX, proceeded to contact them via phone number that was listed on the account ( XXXX ). From the first time I called up to now, no one is picking up the phone and the phone line says to leave a message. There is no other contact information, but by phone. However, there is no voicemail prompt to leave a message. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws but reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. 


Stanislaus Credit Cntrl XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a charge of {$75.00} from the notoriously fraudulent company XXXX XXXX XXXX in XXXX. I've never done business with this merchant. 

I asked my credit card company, USAA XXXX XXXX, to please investigate the issue, but they said the charge was legitimate. USAA couldn't even tell me what goods or services the charge was allegedly for or when or where the charge was allegedly made. They just said contact the merchant. 

The company is a booting company, and my car has never been booted. You'd think I would remember that!! The credit card company simply accepted the word of this company over mine, even though I've been a member for over 29 years!
Product: Student loan

I graduated from XXXX XXXX University in XXXX 2016. I was told that I would start paying my loan six months after graduation. However, Sallie Mae made a mistake with my account and now it appears that I have a late payment with fees. I was not aware of this and when I tried to speak with a representative, they blamed the University. This is not an isolated incident. They also made a mistake with my sister 's account, last week. My issue is that they should have a record of my loan disbursement which would show my enrollment in school for the XX/XX/XXXX 2016. I feel as though they purposely make mistakes in order to charge extra fees. This is not right and I should n't have to pay for their mistakes. This affects my credit score. How do I proceed from here?
Product: Bank account or service

My account was used to process a fraudulent checks. I was supposidly hired as at the XXXX as an XXXX XXXX. My job was to XXXX for the purposes of travel and other expenses to the other employees at the XXXX XXXX XXXX. As a result the false checks bounced back into my account leaving me with the negative balance. Unfortunately my bank is about to submit me into collection since I have no money to offset the balance. I am currently unemployed, leaving with my parents, and unable to make my ends meet.
Product: Credit reporting, credit repair services, or other personal consumer reports

investigation has been more than 30 days with no response. i have reported incorrect information on credit, requesting it be verified or deleted within 30 days. It has been almost 2 months since original writing of letters and still no response via email or address in which I provided. Since the investigation took longer than 30 days ( almost XXXX ), a violation of the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ) has been made. This violation has affected me from being able to get housing and other assistance highly needed during the rough times of the pandemic. I will attatch proof of letters that include dates recorded for sole purpose of business.
Product: Checking or savings account

citibank just decided out of nowhere to close my checking account with XXXX approximately on XXXX XXXX called them numerous times no information was provided at all..they told maybe i will receive the funds in a check maybe not..it is today XX/XX/XXXX of XXXX  that i am reaching out to CFPB for help
Product: Credit card

I was locked out of my Comenity account and could not make a payment, thus resulting in a shortage of promotional payoff in the amount of {$1.00} ... I was then charged all the deferred interest charges in the amount of {$2400.00} -I called in on or about XX/XX/year> to report being locked out of Comenity Account and not being about to make final payment. Comenity said that they would need to mail me a paper billing statement with account # in order for me to re-register in order to gain access again. 

-On or about XX/XX/year> I received a letter from Comenity with my account number and re-registered my account. I noticed that an interest charge of {$2300.00} was applied due to a promotional balance short of {$1.00}. I called into Comenity Bank and they said that I would need to write a Letter and send it into Customer Care. 

-On or about XX/XX/year> I immediately made the payment of {$1.00} to bring the account to the paid in full promotional balance. 

XXXX or XX/XX/year> I wrote a letter ( See attached Letter ) to Comenity Bank explaining my issue of being locked out of my account and not able to make the payment. 

-On or about XXXX XXXX I received a letter from Comenity stating that they want to resolve my inquiry and to call in to Customer Care . Although Customer Care is the one who told me to write a letter. I called into Comenity Care and spoke with who said to now submit a letter through Secure Message Online. 

-On or about XX/XX/year>. I contacted my salesman XXXX XXXX, explained my issues and he called Regional XXXX XXXX XXXX who then called XXXX XXXX to explain the issues. I drove up to XXXX XXXX and spoke with XXXX ( XXXX XXXX ) who then said she will be submitting an email on my behalf to her Credit Department about my issues. XXXX called to tell me that she submitted the email.
Product: Mortgage

I contacted Mr. Cooper on XX/XX/2020 telling them that my husband a XXXX XXXX XXXX had passed away 2 weeks prior. I asked what their procedure is next since he was the originator on the mortgage. They wanted a copy of his death certificate and a copy of his will. I emailed it immediately. I was told that the account would be put on hold till process was completed. They also said that it would take 7 days to research his will. On XX/XX/2020 I called again asking the same questions. I was told that they needed his death certificate and a copy of his will AGAIN. And another 7 days to research it. I call again on XX/XX/2020 and ask again where we are in the process. XXXX XXXX tells me that they need my husband 's death certificate and will for the THIRD TIME because he didn't see it in the system. I sent it directly to him, waited for him to receive it and forward it onto the research department before I hung up. In the meantime I am getting mail almost daily telling me to make XXXX payment. I have been right from the start asking for a loan modification. I was told that since it was in his name that I couldn't do anything to the mortgage and that they didn't even have to talk to me. Thankfully when we started this mortgage my husband gave them permission to talk to me about it. I finally get an email back from XXXX XXXX on XX/XX/2020 stating that I am my husband 's successor. Ok, what about the loan modification!!!! I call Mr. Cooper again. Was told that I am his successor. Again I ask for the loan modification paperwork. I called them 6 times on XX/XX/2020 asking for the loan modification paperwork. I asked for it to be emailed to me. I was told that it had to come thru the Post Office. They asked when I was going to make my payment and I again told them that I have to do a loan modification. So now I wait for the mail to be delivered and am currently in XXXX so another month without having the loan modified. This is VERY POOR CUSTOMER SERVICE!! I should not have to be calling them weekly and sometimes daily to get this company to do what was asked.