23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MIDLAND FUNDING who has recently been sued by the CFPB and is currently under investigation by the California Department of Financial Protection and Innovation has illegally parked a collection for {$1300.00} in my XXXX  consumer credit file. This act was committed without providing a XXXX notice in an attempt to force me to pay an unsubstantiated debt. Midland Funding LLC and Midland Credit Management had just previously submitted this same collection to XXXX without any notice, however XXXX immediately deleted the unverified collection. I disputed this debt directly with XXXX on XXXX XXXX, XXXX, the same day it was inserted. MIDLAND FUNDING again flagged and updated this collection with XXXX on XX/XX/2021 while it was being disputed with XXXX. I called XXXX again on XX/XX/2021 to inquire as to why my credit report was again flagged for this same collection. MIDLAND FUNDING proceeded to additionally flag and update this collection on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and as recently as XXXX XXXX. After approximately 3 phone calls with XXXX and multiple updates from XXXX, I was not sent a dunning letter, but instead I was sent a bill in the amount of {$1300.00}. I then sent a validation request directly to XXXX, I did not receive the requested validation but instead received a second bill dated XX/XX/2021 requesting payment of the {$1300.00}. This second bill was sent while the debt was under dispute and proper validation was not requested and not yet received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reporting a bill which I have no acknowledgment of. I dont know why its on my credit report. I would like to have proof of who they are, not some random bill that can be from anywhere due to fraud. Ive never recite anything from the company or who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint with CFPB about Equifax reporting the wrong address on my consumer report. The inaccurate information was corrected until today XX/XX/2022. That same address that was removed has been placed on my consumer report again instead of my correct address. 
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. 
The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I accurately and completely filed an identity theft report with the FTC, report number : XXXX. 

I immediately ( via certified mail, return receipt ) notified the credit bureau of the following account not belonging to me, and the federal law requiring that it be immediately blocked due to identity theft : XXXX XXXX. Account Number : XXXX In accordance with 605B of the FCRA XXXX the credit bureau should have blocked this item from appearing on my credit report within four days. They have failed to do so.
Product: Credit reporting or other personal consumer reports

New Information/ Complaint : Subject : Formal Credit Dispute Letter Dear Sir/Madam , I trust this correspondence finds you in good health. My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, reachable at XXXX or XXXX. On this date, XX/XX/XXXX, I present to you a formal Credit Dispute Letter under the provisions of the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681I ). 

I exercise my lawful right to contest dubious information unearthed in my personal credit report, invoking specific sections of the aforementioned Act : 1. **15 U.S.C. 1681c-2 : Block of information resulting from identity theft** I implore you to implement the necessary measures stipulated under 15 U.S.C. 1681c-2 to obstruct information stemming from identity theft. 

2. **15 U.S.C. 1681a : Late payments under exclusions** I assert that late payments, as reported, contravene the illegality specified in 15 U.S.C. 1681a ( 2 ) ( 1 ) under exclusions. An earnest examination of this matter is urged. 

3. **15 U.S.C. 1681b : Permissible purposes of consumer reports** Pursuant to this law, the implicated creditor lacks authorization to report on my credit. I insist on a comprehensive verification of the creditor 's permissible purpose and the accuracy of my complete file information, including the provision of a copy of my ID. 

**Incorrect Account Information : ** The subsequent accounts are reporting inaccurately : - **XXXX XXXXXXXX XXXX XXXX - Reason : Identity Theft Fraud/Not mine - **XXXX XXXX XXXX  XXXX - Reason : Identity Theft Fraud/Not mine I beseech a thorough investigation into these discrepancies and a prompt resolution of the matter. Your cooperation in rectifying these anomalies is earnestly appreciated. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : US SM BUS ADMIN ODAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*BalanceOwed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXXBalance Owed : {$49000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report and I have two collections accts that have driven my credit score down dramatically after I have worked hard to pay off old accts. I have a common name and this problem has happened before but these two creditors aren't willing to help rectify the situation. 

I am a XXXX who XXXX XXXX XXXX XXXX and I know I hadn't opened or defaulted on any accts so I hadn't checked my credit score in a few month but low and be hold when I did I had a pleasant surprise. Two of someone else 's delinquent accts.
Product: Credit reporting or other personal consumer reports

Trying to obtain my credit report but only XXXX  can provide it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Mortgage

Quicken Loans has a serious issue with home insurance not purchased by them, probably because they want to force you to buy their insurance as they are probably receiving commissions from the insurance companies they are working with. 
Because I had problems last year with this issue, I got Quicken Loans to inform me that I could go myself to https : //www.mycoverageinfo.com/QuickenLoans and upload my own insurance policy documents. 
I uploaded the insurance policy on XX/XX/2021. Anyway, Quicken Loans went ahead and purchased an insurance policy with XXXX XXXX XXXX XXXX on my behalf claiming that they had not received the policy I had submitted. I called on XX/XX/2021, at XXXX ET to complain and I was instructed to upload the policy again today, on the same website, which I did.
Product: Debt collection

World finance XXXX called on multiple accounts back to back callas after being told to stop calls over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

References : XXXX & XXXX XXXX has continually missed the bar when it comes to keeping the reporting correct on my credit report. on XX/XX/XXXX XXXX XXXX assisted me in getting a trade line corrected and re-placed as it was deleted in error. 

I just noticed that at sometime the corrections have been MODIFIED without my knowledge possibly costing me a good score for a recent attempt for a motor vehicle loan months in question are in the year XXXX ( XXXX, XXXX, XXXX ) they were covered in the complaint ending in XXXX 

This account should be listed as PAID NEVER LATE.
Product: Checking or savings account

Trying to dispute accuracy of the fraud on bank account thru Bank of America some gained access to my online checking account and try to deposit fake checks into my account causing account to be closed down this happens on XX/XX/2017 And the amount was {XXXX} is invited a fraud document stating that It wasnt me but they are still reporting the account as if I did fraud, Im trying to open up a new account but I cant anywhere because of the fraud reported to the XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which  had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Bank account or service

TCF Bank denied a valid Charge Back because of customer benefit. I tried to return the product back to XXXX XXXX XXXX three times. Two by email one by certified mail restricted delivery. The certified mail was unclaimed and mailed back to me. Under visa regulation E under chargeback Management guidelines for merchants. reason code XXXX : not as described or defective merchandise. I 'm only required to make a valid attempt to return per visa regulations. XXXX example is " an example of a valid attempt to return may be to request that the merchant retrieve the goods at the merchant 's own expense. Please see attached visa regulations. Two times on XX/XX/2016 I requested per email that XXXX XXXX XXXX. " I 'm requesting that XXXX XXXX XXXX come retrieve puppy ( took out name ) at your own expense. '' On XXXX XXXX, 2016 I requested per certified mail return receipt that XXXX XXXX XXXX. " I 'm requesting that XXXX XXXX XXXX come retrieve puppy ( took out name ) at your own expense. The mail was unclaimed and returned back to me. I followed visa regulations and fact is TFC wrongfully denied my claim. I 'm legally entitled to a full refund per visa regulation E guidelines that TCF bank is supposed to follow and simply does not. If this issue is not resolved here I will separately file The Claim Notice for Arbitration I do know my rights and they were wrongfully denied here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to BANK OF AMERICA due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Hello, This is XXXX XXXX. I would like to file a complaint against Wells Fargo. I submitted a check for {$5000.00} as a deposit for a service into a group of scammers account on Friday XX/XX/19 Transaction # XXXX XXXX. Shortly after I realized it was a scam email account I was talking back and forth with to book a band for an event I had XX/XX/19. I placed a stop check a few hours later on that same Friday. I went into the branch Saturday morning to make sure it would not go through and to inform them of the scam. I was assured from what they see it was stopped and wouldnt go through. However, I was advised to take my money out of my account by the banker so if it did try to come out it would bounce. Monday comes and my account is in the negative by $ XXXX. So I contact Wells Fargo fraud department. It takes a little time but they end up finding out who the scammer is behind all of it and many more scams. Problem is Wells Fargo is hounding me for the money and about to put it in collections although they know for a fact I was scammed. They are saying only thing I can do is file a police report and go after the scammers. I do not feel that is fair when I did a stop check 3 days before they put it in their account. 


XXXX XXXX was over my fraud case and will vouch for this whole situation. 


XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX My account number before account was close was XXXX I can forward you guys the email messages of me and the scammer going back and forth. I can also provide the fake contract they sent. I have text messages of the scammer getting scared saying he will get the money returned. My check memo even shows I was booking a artist which I didnt receive that service because it was a a scam all the way around. I can also get document proof of time I stopped check and date they still let the check come out when I told them it was a scam many of times. 


Fake email booking they were using XXXX XXXX XXXX email is XXXX They add S after booking Account Scammers used BANK : WELLS FARGO ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX