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

According to 15 U.S. Code 1692c - Communication in connection with debt collection c : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Reporting to the consumer reporting agencies is a form of communication. The following companies have reported a collection on my credit report and have violated my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting these accounts be deleted from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint today with the assistance of an attorney due to the negative impact this negligence had on my credit report. I've listed the account in question and a copy of this is also being submitted to XXXX XXXX along with my supporting documentation. I'm also forwarding this to XXXX. 

Account : XXXX XXXX XXXX XXXX XXXX was sold to XXXX and then sold to XXXX. 
Current owner : XXXX Payments : On XX/XX/XXXX, I paid {$580.00} to XXXX. I've attached the bank statement that details clearly the monies being taken out of my account on said date. 

XXXX : XXXX XXXX reported me " late '' for the following months in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX reported me as " late for the following months in XX/XX/XXXX and XX/XX/XXXX Follow-up : I called XXXX less than 7 days ago and asked for a letter stating that payment was made ad received XX/XX/XXXX. The letter I received states that payment was received XX/XX/XXXX. 

Problem : A. This is not the date it was paid. Even if this were so, how could XXXX XXXX even report me as late after an alleged payment in XXXX was made? 
B. In addition, how is it possible that XXXX XXXX is reporting any late payment ( s ), when they are not the owner of the account? 
C. The statement sent to me by XXXX  is false regard the date they're stating payment was made My attorney has recommended that I first reach out to the CFPB to make my complaint prior to moving forward in any other legal manner. This is false information reporting on my credit file and the account must immediately be deleted from my credit report. I'm aware that creditors can not just " verify '' without proving paperwork to substantiate their claim, especially when I've pointed out that this information is false. 

This account must be immediately removed from my credit report. The fact that the bureaus allow for this reporting to continue is clearly negligence on their part, as the factor listed in section Problem : B of this complaint.
Product: Debt collection

First National Collection Bureau XXXX Inc., account # : XXXX, Ref # : XXXX, is a fraudulent account and do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already filed an FTC report with the credit reporting agencies and XXXX XXXX agreed and removed this account on or about XXXX of 2021. This account was mistakenly sold to XXXX FUNDING and they are ILLEGALLY REPORTING IT as of XX/XX/2021 opening date. This is a true and a major violation of reporting laws.I expect this to be removed now
Product: Prepaid card

I bought a XXXX XXXX gift card that I thought was issued by XXXX XXXX, but the packaging was misleading, and it was XXXX XXXX  instead. I don't want it, I want a refund. The product does not work as advertised. 

XXXX. 

The servicer InComm still has not given me a working replacement that works everywhere as advertised and has not provided a refund. 

GIve me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Add this New List of Illegal Activities by the Furnisher to My Recent CFPB For TransUnion Complaint # XXXX ( Updated List Attached )
Product: Vehicle loan or lease

On XXXX XX/XX/XXXX I was involved in a vehicle accident that totaled my XXXX XXXX Infinity vehicle I had just purchased in XX/XX/2019. I had a lease on this vehicle and then refinanced it to purchase it at the end of the lease. Because of this, i was not advised or informed by the bank ( Infinity Financial ) I would be losing any gap insurance protections. 

As the car was declared a total loss, my insurance company only paid out approximately {$21000.00} as they claimed that was the value of the car. My loan balance was XXXX, therefore I have a deficiency balance of {$8000.00}. I understand I am responsible for this balance, as tragic and unfair of a situation as this is. 

However, the problem with Infinity Financial is that we had a deal that my monthly car payment would be {$470.00} a month. I have been ONTIME with my payments, even after the car was declared a total loss. They are co-ercing me into paying them the full remaining balance in one lump sum, monies I keep telling them I have no access too. If I had the ability to just write a check for {$8000.00} ... .well I wouldn't be here. 

Everytime I speak to them it's a nightmare. They insult me and threaten me with credit reporting damage and promise me this account will go to collection if not paid in full by XX/XX/XXXX. I don't understand how I'm supposed to come up with $ XXXX However I can still continue to pay {$470.00} a month until I am able to secure a loan for {$8000.00} to pay them off. 

The sad part about this, is I am willing to pay the {$8000.00}. I just need TIME to secure financing from a local credit union here in town that will give me a personal loan to pay off Infiniti Financial. However, there threat of negative credit reporting will completely render me unable to obtain this personal loan as it is a requirement by ANY lender that I have a good credit score to qualify. If Infinity Financial makes good on there threat of ruining my credit, well then I can't possibly borrow money from my credit union to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Arkansas is reporting XXXX XXXX on my credit reports that are for less than {$500.00}. Starting XX/XX/2023 medical debt under the amount of {$500.00} are to be removed from credit reports. XXXX has yet to do so. Please remove all collection under {$500.00} from my credit report. 

Account numbers : XXXX XXXX XXXX XXXX ( this is listed twice on my reports ) XXXX XXXX XXXX XXXX XXXX This are all for under the amount of {$500.00}
Product: Debt collection

An agency named XXXX attempted to contact me but called my husband. This has happened before and they contacted my sister in law in a different state. The phone # is XXXX. Tis XXXX time I did not let them go on as per information on line and my attorney this is a scam. The XXXX woman when I just called back was named XXXX XXXX. They claimed I have an unpaid Payday Loan which I never had. Today they wanted me to pay them to clear up information about a payday loan. The first time they threatened me with legal action ( the Sheriff Dept. and court would charge me ) if I did not pay them now. They were threatening and very unprofessional and made no sense so I have always hung up. The scary part is they have my SS # and banking information. This, to me, is a clear case of identity theft. How should I proceed? 
XXXX
Product: Credit card or prepaid card

I never gave permission to access this information on my credit account
Product: Credit reporting or other personal consumer reports

Hello My student loans were XXXX ( by XXXX ) due to XXXX in XX/XX/XXXX. I disputed the loans with all three credit bureaus on XX/XX/XXXX. I provided evidence that my loans were XXXX balance and had been XXXX. 

As of today, XX/XX/XXXX, these loans remain on my credit report from TransUnion. 

The loans have been removed from my credit reports with XXXX and XXXX. 

Please assist me to have these XXXX, XXXX balance student loans removed from all my credit reports once and for all. 

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

XXXX/XXXX is reporting an erroneous late on my credit file for XX/XX/2020. I made this payment on time, and I should not be reporting any lates. I am requesting that XXXX fixes this issue as it is affecting my credit file.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit report, I notice the account that I'm unfamiliar with. I have asked the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I'm not familiar with. See items attached below.
Product: Debt collection

Midland Credit Management , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX states I owe them {$4400.00} from an original creditor XXXX, XXXX. as account XXXX. I have asked this business on four ( 4 ) request by United States Postal Service Numbers,XXXX, XXXX, XXXX, XXXX, and some mailing not certified mail return receipt and I have not received a copy of the original contract with my signature with date signed, dated became default and some record of payments so I may understand it this is my debt, and as of XXXX XXXX, XXXX this has not been completed. I have offered to pay with-in reason an amount that my social security will support if in fact this is my debt. I have contacted Midland Funding LLC, XXXX XXXX XXXX, Assisting Secretary, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX with no response. This constant XXXX abuse I think may be of human rights and has caused my XXXX XXXX to increase to another stage and causing loss of productivity, and despair just to constant sending letters and answering questions. They continue to refuse to send me the documents I have requested and I have asked they stop contacting me and they still contact me. I asked them to take the request to court here in XXXX County, XXXX so resolve the issue. I am XXXX years of age and I must have this stopped and now I need assistance. I do not have any knowledge of this debt and I ca n't remember anything about this debt. I have researched XXXX credit reporting agencies for information and I can only find a Account Review Inquiries of XXXX on XXXX/XXXX/XXXX address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Telephone XXXX. I have asked this business to stop accessing my credit report without authorization. Midland Credit Management , Inc. has contacted my ex-wife of 30 years past with constant telephone calls in XXXX per letter from ex-wife. My age of XXXX and XXXX ( XXXX ) XXXX children and I am a single parent and I need assistance to stop Midland Credit Management , Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. Ive attached all the inquires I the Identity Theft Report Affidavit attached to this complaint. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX should not be reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXX as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Checking or savings account

On Thursday XX/XX/XXXX I was alerted by Huntington Bank that they were closing my accounts due to disputes made on the account. I decided to go to the branch on Friday XX/XX/XXXX as I was due to be paid a check of XXXX and I wanted to ensure that they would force the deposit back since the accounts were closed and to see if I would be able to withdraw the money I had in the accounts I had with them which was about XXXXXXXX XXXX in total. The teller tried to assist me by calling several depts and I was told that I was not able to withdraw the money I had in my accounts but that I would have to wait and they would mail me my money in 7-10 days. I was told that my deposit should be sent back to my employers bank immediately. I had already secured a new bank account. On monday XX/XX/XXXX I called my employer to see if they recieved the funds back so I could be issued a new check, I was told at that time that my check was sitting in a pending status as it doesnt recognize that my accounts are closed. So now here we are XX/XX/XXXX and my employer still has not received the funds. Huntington continues to tell me the same thing, but I have not gotten the funds I had in my account and Huntington has not pushed back the check so I can have that. I need to understand how this is legal? I am a single mother and I have not been able to feed my kids or pay any bills because Huntington bank has my money sitting in limbo and wont give me any resolution.
Product: Debt collection

I have asked XXXX that Portfolio validate this debt. I have received statement and looks like maybe a copy of a bill from XXXX date XXXX/XXXX/2010. 

portfolio has not removed this from my credit reports or validated this bill.
Product: Credit card

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
Product: Mortgage

I am not even sure where to report this and ask advise on this matter. I deferred mortgage for a year due to covid 19. As much as I know, it will be deferred to the end of payment including principles and interests. I resumed my payment exactly year later. When I get 1098 for 2021, it shows that my lender is charging deferred interest due to Covid 19 from the payments I made in the year of 2021. I called to my mortgage professional assigned to my account saying that I need to call bank for more information. I XXXX  again for the information aboout deferred payment relating to Covid19 and found the following from the following link. 

XXXX XXXX XXXXXXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, been % XXXX % XXXX % XXXX % XXXX. 

It does not require a trial period plan as required for a loan modification, which requires several months of payments prior to modifying your loan It keeps the principal and interest portion of your mortgage payment the same as it was prior to your COVID-19-related hardship. Note : Adjustments to the escrow portion of your monthly payment for taxes and insurance may affect your total monthly payment. 
You will not be charged interest on the missed payments that have been deferred. 

From the beginning, my understanding is my lender is not supposed to assess any portion of interest relating to this deferred payment except the fact that it will be added into the end of my original mortgage expire date. 
Please advise me. 
Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Instances of lateness on my account are rare, as I have a track record of being a responsible and timely payer.
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX Inaccurately reporting several accounts on my credit report. They are reporting without my permission. The dates are incorrect, and the status of accounts are incorrect. I have tried mailing them first class as well as certified letters however they continue to mail me " stall '' letters. XXXX has continued to continue to report inaccurate information. This is becoming extremely stressful, expensive and causing me problems both financially and emotionally. I am requesting they remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING COMPANY WAS OPENED FRAUDULENTLY IN MY NAME : XXXX XXXX  OPENED : XX/XX/2017 AMT. XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$960.00} XXXX XXXX XXXX Balance Owed : {$1500.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

company 's failed to verify accounts within the 30 days period. that's in direct violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). If you can not verify the information within 30 days time period, you must delete all the disputed accounts from my report. accounts that i believe they are not accurate and not verified by not showing proof of contracts with my signature. that i believe are not mine and not verified. i demand a reinvestigation. to accounts listed below. 
XXXX XXXX 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

I have contacted these individual debt collection companies about the removal of any accounts they have reported to my credit. The bureaus are still reporting this negative information. They have not removed the inaccurate information from my credit. This is a violation of my rights as a consumer in accordance with the Fair Credit Reporting Act. 

Everything has to be 100 % accurate on my credit report. How is that possible if the original creditor information is missing, the open date is inaccurate, the loan amount is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

My rights have been violated under : 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 My livelihood as a consumer is being harmed greatly. 

These inaccurate, unverified, and negative accounts are highlighted in my credit report uploaded : I XXXX XXXX XXXX XXXX
Product: Debt collection

Contract Callers has consistently called my phone. Even after asking them to contact me only via mail. I am demanding to only be contacted via mail or through the CFPB. 

I am requesting verification, validation and investigation into this alleged account that has been placed on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I have tried to get my student loan servicer, Pennsylvania Higher Education Assistance, to apply my payments to the Public Service Loan Forgiveness program. Their Ombudsman was able to find XXXX payments that qualify but only payments from XXXX XXXX. The previous payments another servicer are not considered " Qualifying Payments '' I made XXXX payments between XXXX XXXX and XXXX XXXX and would those credited towards my XXXX qualifying payments. The payments were made per these requirements : Must have been made after XXXX XXXX, XXXX Must be on-time ( no later than 15 days after the scheduled due date ) Must be made each month, satisfying in full the installment amount due for that month Must be made when the loan is not in a default status Please contact the servicer and have them apply payments as per the law. 
Thank you
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 accounts below : XXXX  XXXX Balance : {$31000.00}, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance : {$5300.00}, XXXX XXXX XXXX Balance : {$6000.00}, XXXX  XXXX Balance : {$31000.00}
Product: Credit card or prepaid card

On XX/XX/22 my account was used fraudulently and was charged {$500.00}. After XXXX disputes with Paypal Credit/Synchrony , they found the dispute in my favor. My account was closed and issued a new one. The new account was hit with a balance transfer of {$500.00} and then charged again {$500.00}. I've contacted Paypal credit a number of times to resolve the issue and after spending endless hours on the phone, I can not get a satisfactory answer of why I'm still seeing these amounts on my statement and they require payment. I've tried asking to escalate the issue to no avail.