23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is in reference to # XXXX by Midland Credit Management , LLC, XXXX XXXX, CA XXXX. I first was contacted by telephone on XX/XX/XXXX from associate Mr. XXXX XXXX ( XXXX, ext XXXX ) in an attempt to collect a debt reportedly purchased from XXXX XXXX for approximately {$650.00}. This was the first contacted and first time I was made aware of such a claim. I requested a written statement of the disputed balance ( amount owed ), verification of the debit, name of creditor, and origin of the claimed debt to the mailing address which they declined to perform. I then asked for an emailed copy of this information which they declined to perform. They stated I needed to log-in to a company portal to view this information, but in doing so may waive my consumer rights. I have formally requested to dispute the amount and have mailed a written request mailed XX/XX/XXXX. 

Secondly, this is an attempt to collect an invalid debt. I reviewed prior transactions with XXXX, XXXX and have no current or prior outstanding balance. I also in the entirety of my account had purchases in sum not exceeding {$100.00}. I contacted XXXX XXXX, XXXX by phone on XX/XX/XXXX at approximately XXXX XXXX with Mr. XXXX and Mr. XXXX ( # XXXX ). According to the XXXX XXXX, XXXX records they confirm that the account is current with XXXX balance and no active collections in process. They further confirmed there has not been a balance outstanding on the account and stated no attempt was initiated by XXXX XXXX, XXXX to collect on a balance. 

Third, in confirmation using the government ability to review my credit report, there are no current charges or claims listing outstanding or debts in arrears.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been reporting these accouints XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX for a long time. A Charge Off Account with Balance? The bureaus keep on reporting inaccurate information on my credit file? I even asked for verification and I never received any correspondence from them ( XXXX, Experian, and XXXX ) This account is reporting incorrectly. I see Different dates on last active which is inaccurate. Attached are my dispute letters and the recent screenshot of my credit report XX/XX/2022
Product: Credit reporting or other personal consumer reports

This is not my account. I would like this fraudulent account to be removed from my credit report. Thank you.
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, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove 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  XX/XX/2020
Product: Credit reporting or other personal consumer reports

Greetings Everyone. TransUnion utter failure to acknowledge Federal Trade Commission Identity Theft Report, stating two fraudulent loans from XXXX XXXX, I never applied or authorized. These accounts from XXXX XXXX should be deleted effectively. TransUnion has victimized me by not following the laws for fraud victims. Please someone help me. This fraudulent financial burden is effecting my kids and wife. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been complaining about accounts that doesn't belong to me. I was told to fax my ID information to confirm my identity, I did this 3 times and received no changes or no response. This is making my life hard.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to XXXX XXXX a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payment for XX/XX/XXXX was made on time, as demonstrated by my bank statements and payment confirmations, which clearly indicate that the payment was processed well before the due date. This payment should not have been marked as late. 
Clerical Error at Creditor 's End : There was a clerical mistake by XXXX, where they incorrectly applied my payment to the wrong account, leading to the appearance of a late payment. I immediately contacted the lender once I discovered the error, and they acknowledged the mistake. I have attached correspondence from XXXX XXXX customer service confirming that this was a mistake on their end. 
Technical Issues on the Payment Processing Portal : I encountered issues with XXXX online payment portal, which delayed the posting of my payment. Despite my efforts to make the payment on time, the technical issue led to the payment being recorded late. I have attached support tickets and communication with the banks technical support team showing the payment portals malfunction during the relevant period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Made a purchase with XXXX XXXX in XX/XX/2020 for the amount of {$2400.00}. The company, XXXX XXXX took the vehicle back and the money was missing on XX/XX/2020. The company, XXXX XXXX, kept trying to defraud, scam, con, and swindle me out of more money to get the the vehicle from them. Citibank was notified of the issue. Issue is not resolved. Please see attached.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Incorrect Name - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX. XXXX - XX/XX/2023 XXXX. XXXX - XX/XX/2023 XXXX. XXXX  - XX/XX/2023 XXXX. XXXX - XX/XX/2023 XXXX. XXXX - XX/XX/2023
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry. 
3. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry. 
6. 15 U.S code 1692 ( g ) validation of debt XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. Code 1692g ( b ) Disputed debts - Validation of debts XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
8. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding a credit reporting issue where I encountered difficulty in submitting disputes and obtaining information about the disputes by mail, online, and over the phone. Despite my attempts to resolve the problem directly with the company, they have not provided the requested information. The credit bureaus ' stall tactics have obstructed my ability to resolve inaccuracies on my credit report. Under penalty of perjury, I attest that these dispute letters were produced by me with software assistance to read my credit report. Attached are my ID, social security card, and proof of address ; I am submitting this to the CFPB due to the bureaus ' intentional difficulty in disputing by other means.
Product: Mortgage

I was attempting to re-fi an owner financed bond for deed with Visio financial and before I applied I had inquired if this was something that was possible. I was assured this was something they could do. I applied and provided them with all financial documentation they requested. I was approved for the loan and when they where confirming the title was clear and about to set a closing date they informed me that their lending requirements had changed and could not close the loan due to the title not being seasoned in my name for thirty days. They said the only option was to do a new purchase on investment property and I would be required to have 20 % down which I was not in a position to do and they new it because they had all my financial disclosures. needles to say the loan was never fulfilled and now i 'm out over a thousand dollars and an inquiry to my credit. I have been paying for this asset over eight years and was well above the numerical requirements for the loan to be considered safe. Also, the appraisal was flawed and contained incorrect or incomplete information which had an effect on the interest that they were quoting me. I requested a full refund and was led to believe that I was at fault because I did n't want to come to the table with a deposit and the appraisal ( incorrect appraisal ) could still be used at a different lender. I do n't believe it fair to not return any portion of my expense when I was led to believe one thing and they changed at the last minute to requirements that they knew I would not be able to meet. They are being deceptive and dishonest about their practices and charged me for a loan they knew they were not going to fulfill.
Product: Student loan

I am asking for proof of payment of my Loan provider ( meritize ) to my college ( XXXX XXXX  ) but They are not providing me the proof. I have been paying Meritize my loan for the last 4 years and still paying on time. i am getting no response from Meritize.

beucause of this, i am getting my certificate from my College. i called many times to Meritize XXXX XXXX They are not responding me even after repeated calls and request. 


loan Servicer - Meritize XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX https : //www.meritize.com XXXX XXXX  - XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) XXXX XXXX  : XXXX
Product: Debt collection

This account has been disputed and an identity theft report has been submitted in proof that this account does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts that are in negative standing that are currently listed on my credit report, 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: Debt collection

Inaccurate dates paid in full reporting inaccurate information. 

In accordance with the fair reporting EVERYTHING has to be reported accurately on report. 

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

15 U.S.C 1641 Section 604 A Section 2 : a consumer reporting agency can not furnish account without my written instructions.
Product: Credit card or prepaid card

XXXX XXXX, XX/XX/2023, XXXX EST : Hello, Thank you for contacting XXXX XXXX XXXX XXXX XXXX 


We were unable to locate a gift card associated with the information that you provided, which indicates the gift card order did not go through. 

Although your bank may have accepted the transaction, it was not approved through our system. Any funds that may have been set aside are pending and should become available, depending on the bank 's policies. For more information regarding when the funds will become available within your account, please contact your bank directly. 

Thank you, XXXX XXXX. 
XXXX, XX/XX/2023, XXXX EST : I experienced problems during checkout when buying a card. 
Message XXXX  I bought the card for {$110.00} ; two of them for that price total with activation fees. 
Called customer service 20 times. 
Escalated complaint to XXXX. 
Money is on card. 

Their customer service : Please call customer service at XXXX. XXXX XXXX XXXXXXXX XXXX to XXXX XXXX  CT, Again I contacted them 20 times.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I entered into a disaster forbearance, due to a storm in XXXX. Prior to the forbearance ended, I called on XX/XX/XXXX to apply for resolution to the forbearance. I was told the process was an application, which I completed over the phone. On XX/XX/XXXX, I called back and was told I was put into another forbearance. I asked that I be reevaluated for other programs. I again did an application over the phone. I was assured that I was in loss mitigation and that my credit report would not be affected during this process. I called again on XX/XX/XXXX for a status update, I was told the application that was supposed to be done on XX/XX/XXXX was not done and I had to do another one, which I did. On XX/XX/XXXX, this same thing happened again ; again on XX/XX/XXXX I went through the same process again after I received approval for the Stand Alone Partial Claim twice, and it was not honored either time. On XX/XX/XXXX, I called after returning the acceptance of the Partial Claim and was told I was put back in a forbearance. Each time I spoke with my mortgage company I asked about my credit and was assured that I would not be affected because I was in this process. On XX/XX/XXXX, I called after finding out that it has been reported that I was delinquent on my credit report and was on hold for XXXX hour and XXXX minutes for a supervisor, the supervisor answered and put me back on hold. I was then told that she would get back to me within XXXX. I have not received a call back to date. My credit is still affected and my issue with the forbearance remains.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I disputed an inaccurate item from Credit acceptance that was not valid and had multiple inaccurate items reported to my credit report upon disputing this item I was told the debt came back validated and then Experian gave out my address without my consent and said the investigation was closed. I asked for a copy of this investigation and never received XXXX XX/XX/XXXX I reached out to the creditor for a debt validation letter and was never responded to. I then informed experian that I was never contacted with a response and this item being reported was violating my FCRA Rights and to remove it via letter as well as phone and was told by an agent it would be removed. 

XX/XX/XXXX I spoke with an experian agent and again had to update my personal information as they continue to report inaccurate addresses without any written or expressed consent from me as well as this account with credit acceptance account number XXXX which was appearing as a charge off prior to XXXX has now been changed to open and address updated this is a violation of my FCRA rights. I asked it be validated band I was told an investigation was already conducted and I was linked by an inaccurate address and it could not be disputed but I was provided no transcript of such investigation. And the address that was allegedly used to verify the account was inaccurate and I had attested to the fact i did not reside there and it was still not removed. I told them I would give them XXXX days to produce evidence and I have not received a reply.
Product: Credit reporting or other personal consumer reports

XXXX XXXX company has been reporting a credit card as open account on my credit report that has been closed for XXXX years now. It is illegal to be reporting a account that's closed on my credit report that's not accurate. Any information being reported to my credit report that has any discrepancies has to be deleted immediately. I am no longer responsible for this debt with XXXX XXXX I am asking this company to delete this from all three credit bureaus asap. That include Experian, Transunion, and Equifax.
Product: Debt collection

I paid my mortgage in XXXX on the XXXX I was told I would be charged a late fee because of time zone difference the bank is located in the XXXX XXXX. I complained spent wasted time talking to managers and they finally removed the late fee. I'm sure they have charged several others who didn't complain. In XXXX I paid the bill on the XXXX a Saturday. I received a harassing call on Monday evening from the collections department. I spent hours being bounced around trying to determine if the call from Monday was actually from Flagstar Bank. I was concerned because on XXXX  when I returned the call to this unknown unpublished number XXXX. I was asked to give my loan # and XXXX. I of course refused. I then hung up and called a known number for them. I was transferred to collections. I was asked irrelevant questions regarding the matter such as do you live in the property, is it a rental, and is it rented out? I was taken aback by the questions because in all my 30 years of owning property no bank has ever asked me that. I now believe the bank may be providing that personal information to other interested parties/investors looking to prey on the public. I hope this matter is looked into as this is very alarming. I have gotten several unwanted calls from investors who say they have gotten my information from sources like the bank.