23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a complaint against Midland Credit Management XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX for falsely reporting collection accounts on my credit report as " opened. '' I have never entered into any agreement with these debt collectors, nor have they provided proper validation of the debt as required by law.

I previously disputed these accounts with the credit bureaus under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, but the accounts were not removed. The collection agencies have failed to provide sufficient documentation to substantiate their claims. Reporting unverifiable or inaccurate information violates the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I requested validation of the alleged debt, but the collectors have failed to provide the required documentation proving that I owe the debt or that they have the legal authority to collect it. Any attempt to collect or report a debt without proper validation is a violation of my rights under the FDCPA.
Product: Mortgage

On XXXX XXXX my mortgage payment was paid through XXXX XXXX  bill pay like it has been every month for years. The payment was {$2600.00} and sent to Nationstar Mr. Cooper. This payment was for the XX/XX/XXXX due date. 
On XX/XX/XXXX I paid my mortgage payment through XXXX XXXX  bill pay for {$2600.00} This was for the due date of XX/XX/XXXX. Both times the funds were withdrawn from my checking account. On XX/XX/XXXX I received a phone call from Nationstar Mr Cooper about my missing payments. They did not show that I had made a payment since XX/XX/XXXX ( the XX/XX/XXXX payment ). 
I was asked to provide the bill pay information and my bank statements. I did that on XX/XX/XXXX. I have talked to 7 different people and there is no record of these payments. Although they have my money {$2600.00} x 2 somewhere. The actual payment amount is {$2500.00}. I always pay extra towards principal. Late fees have been added to my account each month that these payments have not been credited. On XX/XX/XXXX I sent a notice of error to Mr Cooper. I was not getting anywhere through phone or email so it was time to take the next step. I received a confirmation that they were still researching. There is still no resolution and the payments are still missing. Late payments are still on my account. I made the XXXX payment on the Mr Cooper website to make sure it did not get lost. I could not pay extra principal because my mortgage is past due according to Mr. Cooper. That payment was credited but it was applied to the XX/XX/XXXX payment. So there are going to be additional late fees added since they don't consider that payment to be for XXXX. I have always paid my mortgage in advance. I have never experienced such a run around. They have had my money since XX/XX/XXXX and XX/XX/XXXX. I have provided the requested documentation 6 different times. I value my credit rating and my mortgage history. I do not know what else I can do to get this resolved.
Product: Checking or savings account

On XX/XX/18 made a purchase through a website XXXX the item was suppose to be delivered on XX/XX/18 but was delivered to the wrong addresss i reaches out to the company several time but i didnt receive any responds i then proceeded to reach out to TD BANK who disputed the transaction i sent over paperwork proving that the item never reached to me and that XXXX as well had a claim out on XX/XX/XXXX i received a notice from TD BANK the transaction was correct and my provisional credit was being reversed even thou the item was NOT delivered
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, there are 2 accounts on my credit report that I did not authorize and have no knowledge of.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Fair Credit Reporting Act Section 605B I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting me 120 days late on the XXXX partial account number XXXX. This account shows a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account with a {$0.00} balance and {$0.00} past due.
Product: Checking or savings account

The spending and budgeting tool with Bank of American Itemized the deposits and withdrawal that come into my account for a year period. The cashflow for the time period can either be a surplus or shortfall. My 12 month period say I should be {$12000.00}. But I do not have that in my account. Please help me. I have been going over this with the Bank for 3 years now. Also when you click on the transaction and the merchant name you can change the name of the merchant so you do not know who the money is going to. Also you can change the category.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, on XX/XX/20, I sent a letters regarding inaccurate and unknown items on my credit report. to this day over 60 days later I have not received a response yet. I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem corrected immediately, I will not wait another 50 days to receive no response from only to have to ignore my dispute. I demand that these accounts be deleted from my report immediately or I will file for litigation due to the stress and financial strain this process has caused me and my family. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives reason for immediate remove those items from my credit report promptly. 

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

I contacted XXXX, XXXX, and Experian on XX/XX/2019 in dispute to remove a bankruptcy from my reports. XX/XX/2019 both XXXX and Experian responded saying they verified the bankruptcy as accurate through XXXX XXXX. I then contacted XXXX XXXX XX/XX/2019 for my full file disclosure, I received the reports and there was no bankruptcy on the files I called and spoke with a rep and they stated they never received anything from the bureaus and it must've gotten lost in transit they didn't verify anything. I have a copy of my XXXX XXXX report.
Product: Credit card

On XX/XX/year> I signed up for a Financial Package for {$5000.00} On XXXX XXXX I tried calling the principle of the company with NO response. 
On XX/XX/XXXX I called Citi Bank Customer Service and asked to CANCEL and Reverse the charges. 
Citi temporarily reverse the charges, then recharge the Acct.a month later. 
For 13 months months I have been back and forth with CITI without any resolve. 
This has affected my CREDIT ; also CITI dropped my Credit Line from {$17000.00} to {$6100.00}.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

National Default Servicing Corporation ( NDSC ) has contacted me outside of their role as Trustee and made multiple contacts via written correspondence, visits to my private residence, and by telephone relating to the XX/XX/XXXXTrust Deed between myself and XXXX XXXX XXXX XXXX XXXX 

NDSC did not become the Trustee until XX/XX/XXXX when the Substitution of Trustee was recorded in XXXX XXXX County where the property resides. Their first contact was made in XX/XX/XXXX and made the knowingly false representation ( or NDSC should have known the representation was untrue at the time they made it in writing ) of being hire by XXXX XXXX XXXXXXXX to begin foreclosure processes on a delinquent mortgage debt. While steps may have begun to make NDSC the newly substituted trustee, NDSC did not become the Substituted Trustee until the proper document was recorded on XX/XX/XXXX. Therefore, any representation as to the substituted trustee made by NDSC prior to the recorded document date is a willful misrepresentation on their part. 

Resolutions at this point must include an admission of fault and/or wrong-doing in writing addressed to me and XXXX XXXX  XXXX.
Product: Credit card

In XXXX, I received a letter in the mail from Barclays Bank XXXX. The letter included a check that was for balance transfer. The offer was 0 % interest rate for XXXXmonth with a 4 % fee. I used the check to reduce my interest rate. The card I had had a 10 % interest rate. In XXXX, the bank mysteriously called me about a fraud case. I told tem that I had done the balance transfer. They charged the 4 % transfer fee. In my XXXX statement I get an interest charge. I called them and now the interest rate is over 27 %. They keep firm that there was no introductory rate. Well why would I transfer a blane from a lower rate card to a higher rate. This is a scam and they need to be stopped,. I wonder how may other customers got the deal ( scam ) to transfer funds. 
XXXX XXXX XXXXXXXXXXXX XXXX
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On checking today, XX/XX/XXXX, because of the news of the Equifax hack I found that my information may have been exposed to hackers. I believe that this is because I use services that use Equifax to report on my credit score. Unfortunately now I have to put alerts, warnings and closely monitor my accounts to ensure I 'm not taken advantage of because of Equifax.
Product: Checking or savings account

I actually did open an account online at Truist Bank. I used their promotion for the XXXX dollar welcome bonus with the intention to switch over from XXXX XXXX after I received the bank card. I put in the minimum amount because I still needed to be able to access my money while I waited. While I was waiting the account was closed for fraud. I called and went to the bank and they both said that it was closed for fraud and would not tell me why. On all my credit reports and identity monitoring, I have no red flags. This is technically the first bank account I've ever opened as my original was opened for me by my parents when I was younger. I am XXXX and I really need to know why it was closed.
Product: Checking or savings account

My personal checking account was closed by Chase Bank because I had a business deposit into my personal account they told me they was going to close the account and mail me a check with the funds, they did close the account but I havent got any mail from them and this happened over a month ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; ( Original Creditor : XXXX  ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

EQUIANT FINANCIAL SVCS XXXX - XXXX did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my consent. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested XXXX times for verification of this account and send out disputes & sent out disputes/validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The listed account below has violated my federally protected consumer rights that prohibit creditors and credit reporting agencies from imposing late fees on accounts affected by identity theft under section 15 U.S.C. 168. Loan Payment # XXXX, XXXX XXXX XXXX has violated my rights. Section 605B and Section 609 ( e ) state that any resulting late fees should be promptly removed if fraudulent activity occurs on your account due to identity theft. I have the right to dispute inaccurate information on their credit reports, including late fees resulting from unauthorized transactions. ( 5 ) Section States : no consumer report containing reporting agency makes 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.

Instead of assisting me when my identity got stolen along with my wallet and credit cards, XXXX charged my late fees which have been difficult to pay, and reported them to the credit bureaus which has significantly affected my credit history. My identity theft case was insufficiently handled, and the errors persisted on my credit report. The FCRA ensures that consumers have the right to accurate credit reporting and timely resolution of identity theft-related issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Formal declaration dated : XX/XX/XXXX Formal Notice : Refusal to pay a debt. 
Reason : Identity Theft, account isn't mine. 
Notice : Under 15 USC 1692cc Regarding Accounts : XXXX ( Business ) and XXXX ( Personal ) and any other associated accounts. 

Dear XXXX, I, XXXX XXXX XXXX hereby declare my refusal to pay, exercising my right under US law XXXX specifically 15 USC 1692cc . Despite multiple notifications and formal declarations, XXXX XXXX persistently reports fraudulent account activities associated with my identity. Accounts starting with numbers XXXX and XXXX, erroneously linked to me, remain on your records despite originating in XXXX. I discovered these discrepancies in XX/XX/XXXX. 

I demand an immediate cessation of all communications and reporting regarding these fraudulent accounts in accordance with the Fair Credit Reporting Act ( FCRA ), particularly violations under sections 1681 i a-5 and 1681 e-b. Furthermore, I remind you of the provisions outlined in 15 USC 1692cc of the Fair Debt Collection Practices Act ( FDCPA ), which mandate the termination of communication upon notification of refusal to pay a debt, including reporting to any credit bureaus. 

Additionally, I implore XXXX XXXX to comply with 15 U.S.C. 1681c-2 by implementing measures to block information resulting from identity theft. Furthermore, an examination of late payments under 15 U.S.C. 1681a ( 2 ) ( 1 ) exclusions and verification of permissible purposes under 15 U.S.C. 1681b are urgently requested. 

Failure to adhere to these demands will result in further legal action. Please acknowledge receipt of this notice promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO XXXX Email : XXXX XXXX
Product: Credit card

XXXX XXXX charged me {$140.00} for an additional suitcase despite the site claiming the price was {$55.00} ( or {$58.00} ). Then they intentionally left the bag behind and decided to send it days later. I was told by a supervisor at the location that it was being sent with us and was considered part of our ticket. It arrived days later as I said, and was told it was not given priority in order to allow their plane to send other items ( the representative said the airline had contracts with international shippers and priority was given to those companies. This was not disclosed. When I received it, it was missing contents. I called and was on the phone for hours, was told by a representative that I would get a full refund. I never did. I called back and a different representative told me they would not send me a refund. I told them they did not produce the service they advertised, and when it was delayed due to their error, it resulted in missing items. They did nothing. I issued a chargeback with Chase. They said they would reach out to me before a decision. I told Chase I had ample proof, including statements from the airline admitting to their error. Chase said they would reach out to me. They never did. Just got a letter saying they sided with XXXX XXXX. They didnt do anything.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this resolved with Experian for quite sometime. They are violating my rights under the FCRA. They have 2 XXXX XXXX XXXX companies listed that are n't mine. One for {$87.00} and another for {$1600.00}. What they do is put in no data at first then they 'll update it to 150 days late, then closed, and put it back as okay or open as if I 've been doing activity on the accounts which i have not. XXXX XXXX XXXX is not reporting the accurate amount. And I do not have any accounts with XXXX XXXX XXXX. they are n't even verifying that the information is accurate as they claim to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account number is incomplete on all 3 of the credit bureaus that account can belong to anyone
Product: Credit reporting or other personal consumer reports

credit fraud was filed for a account that was deleted then a third party company resubmitted that same account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous occasion in contacting Equifax concerning illegal use of my social to obtain a loan on  X/XX/2016.    XXXX   XXXX  l inquired  XXXX  on that date. I was actual online looking for a car loan when a pop up appear stated you had been pre qualified when a company I never heard of with my name pre polulated in the fields with my address. I began backing out of it and computer froze. I was basically hacked with virus on computer. Had to get fixed which took couple of weeks. When I was able to check my credit I shown multiple inquiries contacted a rep whom informed me to contact the company in which I asked them how they got my information some of the companies did not have any information and several banks said from online submisssion in which I did not authorize or gave permission. I had to get police report which I have fax multiple times showing a victim up fraud. These multiple inquiries is effecting my opportunity for a job. I have done my part and requesting and providing the necessary documentation.