23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

this company advertises it specializes in va home loans and helps vets get into a home. this false advertising because they don't. they are using a company that issues fraudulent scores and claims making it impossible to finance a house, they state in a letter of denial that my scores was XXXX from XXXX  which is a direct lie, the score issued from equifax is presently at XXXX  and has been for over 3 months now. The name of the company issuing the data is XXXX XXXX, their name should be XXXX XXXX. After doing some research on this company i find they are doing this to a lot of folks, numerous complaints and charges have been made against this company. They do unauthorized credit checks and list incorrect information continuously
Product: Debt collection

Midland Credit Management LLC {$670.00} This " debt '' is well over 7 years old bit this company keeps re-reporting it like its a new debt every year sometimes twice a year. 

They also no longer will list the company the oeginal alleged debt was from. It's listed as their company. I feel what they are doing is illegal. From what I've read and been told, I am right. 

This company changes dates and updates the orginal credit date to a closer date. Manipulation and false statements. The collections companies keep selling to one another back and fourth to accomplish this fisad. Used to be XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$890.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have an open complaint with XXXX XXXX  XXXX for a debt showing on my credit report. I have requested a copy of the 1099C that is from the year they are saying the debt was a charge off. I did not receive one. I have also requested itemized/detailed statements showing where and when the charges were made. I have not been provided any of this. They have only responded with a letter dated XX/XX/24 saying they feel the debt is still owed and will continue to report this to the credit bureau. They are not addressing what I have repeatedly asked for to validate this debt and the charge off. If they have charged off, they are still showing that I am currently late on payments and also owe a debt they are claiming to have gotten a credit and charged off. They need to either comply to show these are valid charges and the charge off or delete and cease and desist.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I submitted a request to consolidate all my federal student loans into one account. My request was approved by the loan servicer and the consolidation started in XX/XX/XXXX with the requirement to not make any payment to the different accounts during the processing of the consolidation. The status of those different accounts showed Paid as agreed for XXXX, XXXX, XXXX, and XX/XX/XXXX in accordance with the direction I was given to not make payment during consolidation. In XX/XX/XXXX, all these accounts status showed " closed '' or " consolidated '' and a new account appeared on my credit report consolidating the balances of all the accounts into one account with status sowing " open ''. To my surprise, the new account payment status appeared highly negative sowing " 90-day late ''. I contacted the loan servicer immediately and they recognized their error and promised an immediate correction. For the last 4 years, I have tirelessly complained to have the account updated with no success. All my requests for correction, information validation, or deletion have yielded no result except for XXXX which deleted the account altogether. Transunion and XXXX continue to date to report that erroneous information despite their inability to validate or verify. 

This incorrect information has damaged my ability to access credit or pursue my education. The credit bureaus are blatantly in violation of my right according to the law : - 15 U.S. code & 1681a - Definitions ; rules of construction I U.S. code I US Law I LII - 15 U. S. code & 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

- 15 USC & 1681a 2 ( A ) ( I ) -- Exclusions - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting

I sent Equifax a dispute via certified mail on XX/XX/XXXX they received it on XX/XX/XXXX as of today, XXXX, they have yet to notify my about status of my dispute. when I get on their web site to check status, it says ( dispute date XX/XX/XXXX -- -- -completion date XXXX ), but when you go to results, there nothing there. as it has been over 30 days I have tried to call, but ca n't get a real person on phone. dispute is about reporting of child support. I contend that said child support should be removed as report date is over 15 years ago, ( XX/XX/XXXX ) ..I also called the state of Missouri, as this is where these XXXX child support cases come from. Missouri says that they are NOT reporting this as it is not their policy to do so on cases this old, especially since we made payment arrangements years ago, as they have been garnishing my pension and social security each month. my obligation with Missouri, per our payment agreement will paid in full by XX/XX/XXXX. it was my request to Equifax , that these XXXX items be removed, as they are over 15 years old and that these cases are closed. I have been working hard to resolve this matter with Missouri, and with all parties involved as I have been trying to repair my credit score, due to XXXX broken relationships, a few bad decisions on my part. please have them remove, as the way I read the guidelines, that these should have been removed long ago. I am no lawyer, so this is why I am turning to you for help. a person should not be persecuted for a few financial hard times out my control, such as layoffs, injuries, ect. the damage has been done, but years of reporting old cases by the credit reporting companies, serves no purpose but to keep a persons numbers down, so that banks and other loaning institutions may jack up interest rates. looks like coercion to me ... ... thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for PROOF of " validation of a XXXX XXXX  bankruptcy I keep being told that it has been verified, yet I have failed to receive any PROOF. My rights are being violated per 15 UCS 1681b -Permissible purpose of consumer reports it states " in accordance with thw written instruction of the consumer to whom it relates ''. I have never provided any type of written instructions with my WET signature for this to report. You are furnishing a consumer report without the consumers consent. You all are disclosing PRIVATE information such as name address, social security number, etc. This is violation of 42 USC Sec. 408 The ONLY " Bureau '' is the CFPB per 15USC 1602 Per law you " Transunion and XXXX XXXX '' is considered an AGENCY I have not given you permission to furnish nor report a bankruptcy violating my privacy. Per FCRA I have the right to have inaccurate, incomplete or unverifiable information deleted by a CRA. You all are putting me at risk for identity theft by displaying my PERSONAL info that I did NOT authorize with my WET signature. Again NO COURT in AMERICA reports this info to you. You STOLE it from a database that I didn't authorize you to report on my behalf, putting me at risk. These are only a few laws that have been violated. I will also be reporting this to the Attorney General, FTC, and the FCRA. I also have my evidence that I have tried on multiple occasions to rectify this problem with you. With them I will be stating EACH law that has been violated and seeking damages per each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unverified account reporting on my credit reports with TransUnion, XXXX, and XXXX. The Creditor is XXXX XXXX XXXX. I have been the victim of identity theft in the past and I reviewed a copy of my Credit Report and I noticed that this in accurate account is reporting on my Credit Reports. I have disputed the item with all 3 Credit Bureaus and I requested verification that this account belongs to me with my signature on any forms or documentation that this company may have but I received nothing. I have called the XXXX XXXX directly as well as TransUnion, XXXX and XXXX to try to have this matter resolved. I have been trying to dispute this unverified account since XXXX 2017. They have failed to validate the debt. I would like for this unverified account from XXXX XXXX XXXX to be removed from my credit reports Immediately from all 3 Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the numerous attempts for me to correct my Credit File by having the disputed accounts and information removed from my Credit File, the Credit Bureaus have been ignoring all my requests. I am submitting this CFPB complaint to follow up my previous CFPB complaint I submitted on XX/XX/XXXX, requesting the removal of the fraudulent accounts and information completely from my Credit File. How many dispute letters and CFPB complaints do i have to send to the Credit Reporting agencies foe them to pay attention on my Credit File a d correct it? I grew tired of sending requests and I am taking legal advise and ready to file a lawsuit against the Credit Reporting Agencies. Under the Fair Credit Reporting act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. But no matter how hard I try, the Credit Reporting Agencies have been persistent in claiming that the Disputed items belong to me and yet they have not sent me any copies of proof of verification or any documents bearing my signature to prove that it is I who own these accounts. Me and my legal counsel is almost done and ready anytime to file the lawsuit that we have been preparing. In the event the Credit Bureaus do not comply with the requests and still continue their erroneous reporting, please prepare for lawsuit. Once again, I need the following account removed from my Credit File as soon as possible : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( s ). Violation of 15 USC 1692G, 15 USC 1681B causing grave harm to the consumer.
Product: Credit reporting or other personal consumer reports

For awhile I have been checking my reports straight from the bureau, which has shown my information to be correct. However I have since checked my reports on my XXXX app as well as My XXXX app, and it is showing my Equifax report has XXXX collections that does not show up on XXXX or straight from the Equifax site. And when I try to investigate what these collections are on XXXX, it does not show me, I have provided photos to better understand. These ghost collections are directly hurting my score. I would appreciate if we could get to the bottom of this.
Product: Mortgage

I paid my mortgage company, but they are not acknowdging payment. My bank ( XXXX ) has verified that Penny Mac received payment on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I need help with Transaction ID XXXX Transaction date XX/XX/year> for {$7.00} USD I never got the payment into my account and I need it to be track down or trace and to be send to me in a check to XXXX XXXX XXXX XXXX PA XXXX because I have contact XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX to report it to them they tell me to contact yall to report the issue to get it reported and track it down and trace to see why I never got it and reimburse to XXXX XXXX XXXX XXXX Pennsylvania into a check because I dont have access to my old account ending in XXXX no more. 
Your XXXX Referrer Header Privacy Settlement Payment Inbox XXXX XXXX XX/XX/year>, XXXX to me Hello, XXXX XXXX PayPal XXXX XXXX XXXX XXXX XXXX has sent you {$7.00} USD. 
Note from XXXX Referrer Header Privacy Settlement : quote Your XXXX Referrer Header Privacy settlement payment is now available in PayPal. 

Thank you. 
quote Transaction ID XXXX Transaction date XX/XX/year> Money received {$7.00} USD Please note it may take a little while for this payment to appear in the Activity section of your account. 
Get Details If you have any questions about this payment, you can send an email to the settlement administrator or call at XXXX. 

PayPal Help & Contact | Security | Apps XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Not sure why you received this email? Learn more XXXX XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXX : en_US ( en-US ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act of 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681 ( A ) ( 4 ). States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The persons XXXX XXXX XXXX are consumer reporting agencies and I am the Consume. That is federally protected, With birthrights to ensure that my private in personal information isn't shared without my authority which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. LVNV FUNDING LLC is a financial institution according to title 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. A consumer report may be furnished only when the consumer gives the credit reporting agency written instructions or permission to provide a report, LVNV FUNDING LLC i.e the financial institution along with the consumer reporting agencies XXXX XXXX XXXX has never! Obtain permissible purpose from me the consumer to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, And LVNV FUNDING LLC is hereby extinguish, rescind, revoke, cancel, abrogate, annul, nullify, discharge, and make void ab initio. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. LVNV FUNDING LLC have not informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I have exercised due diligence to repair my credit but false and fraudulently information hasnt been removed after multiple unjustifiable unauthorized accounts from multiple improper investigations violating FRCA Dear Credit Bureau, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.

Intimate knowledge of the creation of the debt by you, the collection agency.

As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.

I look forward to a speedy resolution of this matter.

I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681i
Product: Credit reporting

I received a letter from Experian stating that they will not reinvestigate items that I have disputed which is against my rights. I am in the process of filing a lawsuit against them for having incorrect information on my credit file. XXXX has already removed the items, along with XXXX. Experian has to do so as well. They have until Friday to remove these items or I will be filing a lawsuit for the full amount due to me because of their refusal to reinvestigate and remove these items. I have attached my intent to sue and the final dispute letter that I have sent them because they are breaking the law. I plan on suing for the full amount due to the full extent of the law. This has been going on for 10 months. Enough is enough.
Product: Debt collection

This company is trying too collect a debt that is not owed they damaged my credit for something I do not own and According to FCRA section 605b it is illegal to report information too my credit without my permission thank you please remove this from my credit report now
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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

This complaint is in reference to the entry XXXX Account : XXXX entry listed on my Transunion credit report. I have contacted Transunion several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from XXXX. XXXX XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to respond within 30 days of receipt of this notification may result in a small claims actions. In the abscence of any such documentation I formally request that this information be immediatedly deleted from my credit file.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, Equifax, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on. I asked that they send me the methods of verification.
Product: Prepaid card

my paypal account was permanently limited, and the fund in my account was to be held for 180days. 

I aske Paypal to release my fund immediately.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXX ACCEPTANCE MACYS/CBNA XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,