23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit management, Inc Sent me a pre-approve offer for a 40 % discount of a credit card debt. If payed before XX/XX/2016 The original amount was {$7600.00} The amount payed with 40 % discount is {$4600.00} So I agreed and payed it on XX/XX/2016 with a promise to receive a confirmation statement sent to my address.It had n't arrived. But I received a XXXX statements on XX/XX/2016 Stating that my payment returned or declined.But according to my bank the payment was received and cashed on XX/XX/2016 Attemps where made to resolve this issue by going to various address that were on the statement but were fraudulent.
Product: Debt collection

On XX/XX/XXXX, I was sent a letter stating I owed Southern Management Systems an alleged debt. I did not receive this letter until XX/XX/XXXX. I have no idea what this alleged debt is about ; it is not mine. My phone has been spammed with 8 calls from 5 different numbers, all from Southern Management Systems, from the dates XX/XX/XXXX to XX/XX/XXXX, before I received any written notification about an alleged debt. I want to stop getting harassed over a debt that isn't even mine. On XX/XX/XXXX, I mailed out a debt validation request to Southern Management System. The debt  has not been validated, yet I am still getting harassed by the company.
Product: Mortgage

Been being pacified by dealing with a front-line complaint processing agent and have requested to speak with higher levels of management to address my concerns and resolve my issues. Was advised call back from XXXX XXXX in the XXXX XXXX Iowa office over a week ago with no call back. I am now requesting to speak with XXXX XXXX Head of Wells Fargo Home Loans Servicing in the XXXX XXXX XXXX office. My concerns and requests are being discounted as they are out of the normal scope of business and outside the capabilities of those addressing my complaints - I want to have this addressed by someone that has the abilities to resolve my issues and my requests are being squashed and discriminatorily being considered because of my continued push to escalate and file complaints until resolved, which is also retaliation by the lender. I want to speak to the head of Wells Fargo lending about this situation and have my loan servicing provided by an ethical and reputable company, which is obviously not Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX : XXXX XXXX XXXX Adjustments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

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

Equifax is charging consumers XXXX $ for 30 days of credit monitoring. The issue at hand is that the website area that allows you to dispute and check on the status is not working correctly, so we are all being charged for a service that is simply not being provided. I have called 4 times trying to resolve the issue and nothing is being done about it. Second issue is they are not updating the credit reports accurately even after all disputes have been resolved. They are taking advantage of the American people and something needs to be done about it. Thank You
Product: Credit reporting or other personal consumer reports

Hi I sent my FTC report into TransUnion I and it was received by them on XX/XX/2025 I also sent it to XXXX and XXXX at the same time The accounts that I named in this FTC report were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these were promptly deleted from XXXX and XXXX Persuant SCRA 605-b 15 USC 1681-c2.

But TransUnion still shows them.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax, and XXXX credit reporting bureaus have utilized erroneous information from XXXX XXXX  XXXX. XXXX XXXX ( XXXX ) to lower my credit rating from Good to Poor over the past 30 days. 

XXXX inaccurately provided information to the credit reporting bureaus regarding alleged late payments for the months of XX/XX/XXXX and XX/XX/XXXX. The loan mortgage did not close until XX/XX/XXXX, XXXX notified me that their online system was not operating at this point to allow me to make payments. XXXX also indicated the delay would not effect me as a consumer and I would receive written notification from the company when the system was operating. I received correspondence from XXXX in XX/XX/XXXX indicating the system was functioning. Once again, XXXX indicated in its correspondence that consumers would be affected by the delayed operation. 

The first payment was submitted onXX/XX/XXXX in keeping with the XXXX system operation. I contacted XXXX in XX/XX/XXXX regarding a County tax exemption reducing my property taxes for the fiscal year. The XXXX representative alleged I was behind in my mortgage payments, and was unwilling to listen to the above information. 

XXXX, then, filed the delinquent payment information with the three consumer reporting agencies. XXXX has continued to apply my timely payments to the alleged late payment schedule, which it has erroneously and fraudulently reported. 

XXXX now has changed my payment schedule date to XX/XX/XXXX without notice to me, and has charged a late payment fee of {$89.00}. The late payment fee is negligent by XXXX, and the amount is legal injury to me. 

The three credit reporting agencies have been notified of the above, and have not taken appropriate action to re-establish my credit and FICO score to the existing level prior to XXXX 's negligent and erroneous reporting. 

Equifax, XXXX, and XXXX are required to re-establish my credit report to the pre-existing level score immediately.
Product: Debt collection

On XX/XX/2021 I spoke to a representative on the phone about the collection agency, Credit Management LP, about the reporting of the account of my credit report. They investigated and found my accounts reported onXX/XX/2021. The call escalated to Supervisor XXXX XXXX who informed me that they had reported my account in error & it would be removed from all bureaus. He stated he took " full responsibility '' ' this error would be correcres by deleting this account from my credit reports. After filling disputes with the credit bureaus - the agency attempted to state there was no issue with the reporting. Which goes against what Supervisor XXXX XXXX told me on the phone XX/XX/2021.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has an erroneous charge off my my credit reports, specifically TransUnion. 
I've been a member confirmed in writing for 6 consecutive years on auto-pay. I was never late one day ever as my account was always set on auto-pay. This was confirmed in writing again by XXXX XXXX. My account was closed on XX/XX/2023 as I moved out of state. I also submitted the recieipts of the wifi internet rental boxes and they also confirmed as recieved and yet they have this erroneous charge off showing on my credit report. 

I've attached proof of returning their equipment in good working order just as I recieved them. 

As also an XXXX, I will be filing a lawsuit against both TransUnion AND XXXX XXXX unless this charge off gets removed from my credit reports within 30 days of this notice as tis is causing financial harm. 

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

I have filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and I have not received any investigation results.
Product: Bank account or service

Hereby its a pleasure contact with yours referent to a matter where result be victim with Bank Citi is involved employees occurred with me account bank where I received me deposit direct each month, in addition after multiples complaint by negligence because the bank take me money and refused protect me account from individual, business, entity, merchants or any other, a as consequences after review me account find that the bank allowed that business or merchant take money from me account without me authorization, the bank has been advice of such fraud but allowed that its merchant, business or entity charge to me account transaction that has been return or in dispute some time the merchant was return a product or services due to numerously factors example in days or month after refund to the account the merchant agent or business have charge once time the same amount to me account believes me I never ca n't see what happened with me account but few days find that a merchant have charge to me account a transaction that was dispute with the bank and the merchant at the time of requested a bad services and product that was return and the merchant shall be return such amount to me account but two month after the same merchant requested to the bank the amount one more time caused a balance negative must find that me account have various transaction with the same situation or in some case the merchant not return the credit to me account or have charge for amount that I do n't have sign or authorized and the bank refused verified or invest above the merchant caused sever loss to me account today the bank concluded that a amount where the merchant was return the product and services the bank allowed that its merchant charge to me believes me I have a same incident numerously time in the same account where I have a loss around of {$4000.00} Dollars from me account with a similar incident believes me by resolve requested allowed open a investigation to the bank and merchant and requested back me account the amount loss consequences of negligent of the bank Very Truly Yours
Product: Credit reporting or other personal consumer reports

i pulled credit report found that all my information was incorrect due to hacked or identity theft 15USC 1681A
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXXBalance {$0.00} XXXXBalance {$83.00} XXXX  XXXX XXXXBalance {$0.00} XXXX XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$990.00} XXXXBalance {$960.00}
Product: Credit reporting or other personal consumer reports

For ten years I have ordered my credit report and never once have I been able to get my Experian report online. I have to order by mail and they ask me for irrelevant and illegal information. Nothing has changed. Now I can not get my XXXX XXXX report online. 
Ten years and this still isn't fixed? What a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a current victim of identity theft. FTC report number XXXX. XXXX, Equifax, and XXXX continue to report fraudulent activity to my credit profile. The following accounts and inquiries are reporting due to identity theft, and need to be blocked and deleted. XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXXK XX/XX/XXXXXXXX XXXX XXXX BANK XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX BANK XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, EQUIFAX MORTGAGE SERVICE XX/XX/XXXX, EQUIFAX XXXX. I am a consumer in pursuant of 15 USC 1692 a-3 failure to delete requested acconts will result in violation in pursuant of 15 USC 1681 ( b ) ( d ) ( g ), damages will be sought in pursuant of 15 USC 78u-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I paid for an appraisal to be completed on my house to see if I could have the PMI requirement from my mortgage reviewed. On XX/XX/XXXX, I received a letter indicating : The valuation ordered does not support the property value necessary to meet a 80 % Loan to Value ( LTV ). 

On XX/XX/XXXX, I reached out to XXXX with the following message : Hello, We received word that the PMI removal request was denied, but Id like to know the value for our house that was provided by the agent. 

Please advise. 

Thank you XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX, I received a reply from the servicer : Dear XXXX, We have forwarded your concern to the appropriate department for further review. Please allow up to 10 business days for review to be completed. 

For your protection, we have removed any personally identifiable information from your original inquiry. If you have any further questions, please contact us through our website at www.mortgagequestions.com or call Customer Care at ( XXXX ) XXXX during the following hours : Monday to Friday : XXXX XXXX to XXXX XXXX ET Saturday : XXXX XXXX to XXXXXXXX XXXX ET PHH Mortgage Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX After that, I did not receive any further reply, so I again emailed on XX/XX/XXXX with the following message : It has been far longer than 10 business days and we still have had no communication. 

We have paid a representative of your company to value our house- we are entitled to know this value and it should not take 30 days to receive a response. 

Please escalate and provide an immediate response XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  have not received any reply to this date, and they have had nearly two months to provide a simple valuation of the house as it was appraised. 


I believe PHH Mortgage Services is withholding this information because it is to their benefit to do so, and perhaps the amount was truly enough to cancel the mortgage insurance.
Product: Mortgage

Our XXXX XXXX XXXX is owned by XXXX and serviced by Wells Fargo. We applied for XXXX. WellsFargo told us we must be delinquent on our payment in order to apply for XXXX. After ruining our credit by not paying for 4 months, and enduring four months of bureaucracy and insulting treatment ( including demanding to know if I was pregnant ), they denied our application. We investigated the XXXX guidelines, since we understood we were indeed eligible, and reapplied several times, yet each time were denied by Wells Fargo. They insist on bullying us, for many years calling up to 16 times per day, although were are not now ( over the last four years ) more that 25 days late. We feel they have 1 ) violated our privacy and 2 ) refused a legitimate loan modification, accepting Federal Bailout funds but refusing to apply them to our legitimate case.
Product: Debt collection

I received a letter on XX/XX/2019 that was dated XX/XX/2019 stating that I owe {$2600.00} Before I even opened this letter, I knew that this letter was for a debt collection. The neighbor that received my mail by accident also made a comment about the fact that this letter was from a collection agency, also without opening the letter. 
In today 's day in age, people are nosy and almost everyone has access to the internet. 
I have attached a picture that shows the collection agency 's name and address right on the front of the letter in the address fields.

Since I am a debt collections manager myself, I know that this is illegal due to third party disclosure laws that are regulated through the FDCPA protection laws. 
It's very easy for someone to XXXX the company listed on the letter in order to see that it is a collection agency sending the letter which in turn discloses that I may have a debt with that agency, as there aren't other many reasons for such a letter to be sent by that type of company. Since this company handles many types of debt, it's a pretty popular one that many people know about and some people may not even have to XXXX it to figure that much out. 
This embarrassing issue is one that no debtor deserves to go through since there are so many laws that prevent such practices that divulge the fact that I have dealings with a collection agency to people other than the one that owes the debt. Also, since the letter took so long to get here, it's possible more than just my neighbor now knows about my personal business matters are with a collection agency. 
This issue is not only not acceptable due to morality issues, it is illegal. Also there have been agencies in the past that have had major lawsuits dealing with this exact issue. Those cases outcomes are what helped cause the laws to be the way they are now. 

I will consider not perusing legal action against MRS if they are willing to rectify this situation by paying my account off, in full, in the month of XXXX. 
Compared to the potential consequences and costs of this going to civil court, this option would be a much cheaper and less damaging to the company 's reputation. 
If this issue is not dealt with by the company appropriately, I will have little choice but to take further actions in order to get compensated for the humiliation I experienced caused by this agency 's negligence of ensuring that my PERSONAL business matters remain private and not displayed for the public to see.
Product: Credit reporting or other personal consumer reports

A dispute was submitted in XXXX because items in collection did not belong to me yet these things remain on my credit report and I am unable to apply for things that I need.
Product: Debt collection

Contacted XXXX to get account information and representative was unable to provided any account information and account shows as charge off or satisfied. No collection agency information was given during call.