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

Dear Midland Credit Management, I am writing to formally dispute the debt appearing on my credit report, as reported by Midland Credit Management. Upon reviewing the information, I have identified several inaccuracies that not only violate fair credit reporting practices but also contravene the Fair Credit Reporting Act ( FCRA ). 

Fluctuating Debt Amount : The reported debt amount has been inconsistently changing without proper validation or justification, a clear violation of FCRA Section 611 ( a ) ( 1 ) ( B ). 
Billing Address Inaccuracy : The billing address associated with the debt ( XXXX XXXX XXXX, XXXX, NJ XXXX ) is not accurate, infringing upon the FCRA Section 623 ( a ) ( 1 ) ( A ).

Failure to Provide Licensing Information : The failure to provide licensing information, specifically the XXXX number, is a violation of FCRA Section 605 ( c ) ( 2 ). 
Incomplete Debt Validation : The incomplete debt validation provided violates the FCRA Section 611 ( a ) ( 1 ) ( A ), requiring detailed information about the original creditor, the account number, the amount owed, the legal basis for claiming I owe the current amount, and the age of the debt. 
Inaccuracies in Reporting : Various inaccuracies in reporting violate FCRA Section 607 ( a ), which mandates accurate reporting of consumer credit information. 
Furthermore, I must inform you that my legal counsel has advised me to contact you to resolve this matter amicably. However, if this issue is not resolved promptly and the inaccurate information is not deleted from my credit reports, I will have no choice but to proceed with legal action. I have accumulated ample evidence supporting my claims. 

Please do the right thing and delete this inaccurate information from my credit report with all three major credit bureausXXXX XXXXXXXX, and XXXX, as well as any other third-party creditors that may have accessed or reported this information. 

These actions are not only my rights under the FCRA, but they are also protections afforded to me to ensure the accuracy and fairness of information reported about me. Failure to comply will result in further legal action, as my rights include pursuing a civil suit under FCRA Section 616. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$250.00} XXXX XXXX XXXX  XXXX Balance : {$320.00} XXXXXXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX Balance : {$950.00} XXXX  Inquired on XXXX XXXX XXXX XXXX.
Product: Student loan

Navient calls me at all hours of the morning starting before XXXX. I have ELEVEN calls to my cell phone before XXXX. This is Harassment! I have put in a request to consolidate my loans that has been received by them as confirmed by email and they continue to harass me constantly. The calls before XXXX are absolute harassment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. Section ( a ) ( 5 ) Section States : 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 convections of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ), A person should not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is because Im very worried and concerned about my investigation results. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Inaccurate/Invalidated Information/Identity theft : This account is not mine I did not authorize it. This account also has an inaccurate payment history across other credit reporting agencies. 

Account Name : Dept of Education/XXXX Account Number : XXXX Inaccurate/Invalidated Information/Identity theft : This account is not mine I did not authorize it. This account is not reported by the other crediting agencies and it was just reporting a {$14000.00} and it is now reporting a new balance increase of over {$300000.00}. This is in no way my account! 

The information for some reason is still incorrect and is wrong. I dont understand how they could have done a good job at investigating when the go some things. If the information was not mine and incorrect they were supposed to fix it according to 15USC1681i ( 5 ) ( A ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the info the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted form the file of the consumer. 

XXXX XXXX XXXX Account Number : XXXX This is not my account and should be blocked from my credit report also the following look to also be incorrect on that account [ Account type, Status, Balance Updated, Payment history ] Dept of EducationXXXX Account Number : XXXX This is not my account and should be blocked from my credit report also the following look to also be incorrect on that account [ Account Type, Status, Payment history, Last payment Date ] This account has already been removed by the other credit reporting agencies. per Accuracy and Completeness of Information 15 U.S. Code 1681e this account must be removed from my credit report.

Please remove this immediately its causing unwanted stress and its preventing me from getting my 1st first home.
Product: Debt collection

I got bills from the County of Fairfax for tax collection on my cars. I sent the check but only some were cashed by the county. It then went into collections. The printed bill stated that a penalty would be assessed. It did not match up with what XXXX was stating. 

They called several times and i told them that I sent the check to the County. They said ok. Apparently the County did not accept the check and the collection company needed to collect the bill. The bill was for {$1800.00} and they told me I owed over {$2700.00} ( on one car ). I told them that this could not be correct and the agent ( XXXX XXXX ) was rude and dismissive and would not accurately anweer my questions. He was argumentative. 

I eventually paid what he told me to pay because they filed a lien with my bank even though I was told I had until certain date to make payment ( which I did ).
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XX/XX/XXXX. My loan was provided by Santander USA the payment was for XXXX interest rate of 23.6. The original amount of the loan was just under {$19000.00} which included the required warranty and GAP insurance. 

I learned that the maximum interest rate allow in Virginia is 15 % for loans with a principal balance over {$1400.00}. I have made roughly 40 payments totaling {$19000.00} give or take and my payoff is over {$20000.00}. I was able to pull a report which showed me that every payment aside of {$500.00} to {$600.00} went to interest. 

VA law stipulates that payments are to be substantially equal between interest and principal it also states that 60 months is the allowable time frame for loans and mine is for 81. 

Ive paid half of my loan by making 40 payments yet nothing has gone to the principal. I also learned that they started charging me late fees even before my first payment was do and continued adding the late fees. 

On XX/XX/XXXX I contacted Santander and let them know that I was unable to afford the loan and I was voluntarily surrendering the vehicle on the same day I turned in the vehicle tags and canceled insurance. The vehicle was then picked up around XXXX XXXX  on XX/XX/XXXX.  On XX/XX/XXXX I received a phone call looking to receive XX/XX/XXXX payment. As of XX/XX/XXXX I had my account up to date. I didnt have a past due balance aside of all the fees they kept tacking on which I was ensured I would not incur fees if I paid it on the back end. 

On XX/XX/XXXX I called and requested all the information regarding my account to include loan agreement, history, fees, payments and notes associated with my account. I also verified with the agent that my interest rate is 23.6 % well over the legal limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple attempts made to contact company since XXXX to notify TransUnion of the unauthorized inquiries as well as credit card ( XXXX XXXXXXXX XXXX  ). These do not belong to me. Find attached FTC ( Identity Theft Report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed account on my credit report held by : NCB MANAGEMENT XXXX XXXX on several different occasions. Credit bureaus keeps sending back verification without information as to who they got information from within debt collection agency. They state they will not reinvestigate conflicting information on my credit report I disputed reporting information XX/XX/2019 and XX/XX/2019 Account is being double reported against laws FCRA. There is also conflicting reporting of balance owed. Account was also changed from paid in full to charge off status in XX/XX/2019. I was never sent a re-insertion letter from this status change.
Product: Consumer Loan

This company has done a credit inquiry on me without my permission or knowledge causing a hard click on my credit file effecting my credit report
Product: Credit card

I am being charged for a product that I canceled and that was false advertised on their website. The value of this product XXXX The product I purchased was an XXXX bike by a brand called XXXX XXXX This bike I purchased was through XXXX XXXX by a licensed dealer named XXXX XXXX XXXX XXXX. Their XXXX name is XXXX XXXX XXXX XXXX XXXX. This charge was made to my capital rewards card. But I made the purchase through XXXX.I already put in a dispute with XXXX  and XXXX and I havent got this credit removed. I also have proof of the cancellation. And the invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these 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 XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  Balance : {$0.00}
Product: Debt collection

On  XXXX   XXXX  or around that date, contact ed Harris & Harris re garding collection notice for my daughter  XXXX   XXXX  for date of service  XXXX / XXXX / XXXX  for   XXXX   from  XXXX   XXXX   XXXX . We never received any bills due to an address change. Most recently found out about bill and did investigate it to find out the char ges went to our deductible and we did owe {$150.00}. When we got the notice from Harris & Harris,  I contacted them immediately to inform them that the bill was paid on  XXXX / XXXX / XXXX  and was cashed by  XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX  which was the date the collection letter was sent out. I informed  XXXX  &  XXXX  of this and told them they needed to go back to  XXXX   XXXX  to talk to them about payment. On Saturday,  XXXX   XXXX ,  XXXX  we receiv ed a more threatening letter from Harris & Harris w arning that they will send a report of bad debt to Credit Bureaus. I am absolutely upset by this because we told them the bill was paid and we continue to get more threatening letters. I plan on calling them again on  XXXX / XXXX / XXXX  to discuss this and also plan on calling  XXXX   XXXX   XXXX  to file a complaint however this type of intimidation is completely uncalled for when there is not debt to collect.
Product: Credit card or prepaid card

I contacted Citibank in regards to my credit card account ending in XXXX. My account has been closed as of XX/XX/XXXX and I was enrolled into Debt Management Program to pay my outstanding balance. I have been experiencing extremely difficult time to communicate with the above creditor to resolve the issue with interest charges on my account. Since XX/XX/XXXX, I had one cash advance transaction in the amount of {$54.00}. Since that I have been trying to pay my outstanding balance every month as much as I can. 
As of today Citibank continues to charge interest for cash advances and my balance for original transaction was increased from {$54.00} to {$68.00} approximately. Every month Citibank charges me extra interest on cash advance transaction that I made in XX/XX/XXXX. After careful review of my billing statements from XX/XX/XXXX until XX/XX/XXXX, I noticed that creditor charged me extra {$15.00} interest for the cash advanced transaction. No additional transaction for cash advances I did not make. When I contacted Citibank Customer Service department on XX/XX/XXXX, representative advised me that he is unable to resolve the issue since my account was closed, and transferred my call to Forbearance department for assistance, 2nd representative whom I spoke to, named XXXX, was not able to assist me with my issue nighters, and advised me to contact Credit Counseling department for assistance. 
On XX/XX/XXXX, I contacted Credit Counseling department to assist me with my account and spoke with 2 additional representatives to resolve my issue. The last representative advised me to contact Customer Service department for assistance and I informed him that I have already contacted them. Finally, he decided to transfer my call to Customer Service department for assistance. I spent over 1 hour on the phone with Citibank and was I advised by the last representative that interest was charged in error. He placed my call on hold for additional 5 minutes and afterwards informed that interest charged to my account is correct since I was paying only minimum payment on my account. I requested to speak to supervisor and I was put on hold again. I was not able to resolve issue with the above creditor and looking for further assistance.

My cash advanced transaction was paid off since my account was closed and it should be no additional interest accrued.
Product: Debt collection

Ive had a debt collector ERC on behalf of XXXX XXXX XXXX. Over the past months Ive called XXXX XXXX XXXX and I was verified as having account number XXXX as a XXXX account. This account doesnt match what ERC has been attempting to collect for Acct # XXXX. XXXX on several calls and chats has offered to send me a detailed record of the account that is registered to me Acct # XXXX in the amount of {$91.00} dollars. 
I have still not received any communication to verify any debt. I was told that the account number XXXX didnt show me as the registered account holder and that I would get detailed information to specify this as well. I have been able to keep my chat records with XXXX and have found their customer service, account billing and collections to all have different information. This has seriously impacted my credit for years and its unfair that I can not receive information for an account from XX/XX/XXXX. I was told by XXXX that they do not keep those records and because they are old records Id have to register for an account to get that information uploaded yet there is nothing in this account t profile. This Ive been calling and chatting now since XXXX XXXX and have not received any statements or records to prove what the chat representAtive told me. I have been told its a XXXX, a XXXX XXXX account and spoke to this department and nothing came up and then it was a. XXXX and nothing came up. It has been so hard and has created a very heavy negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kirshbaum, Nanney, Keenan & Griffin, P.A made an unauthorized pull of my credit report fraudulently stating I applied for Installment or Bank account credit with Kirshbaum, Nanney, Keenan & Griffin, P.A. The firm claims that XXXX told them to use the coding that pulled my report in this manner in their response to my initial complaint of this manner. I am demanding to be given the Name, Address and date of the employee at XXXX that instructed Kirshbaum, Nanney, Keenan & Griffin, P.A to pull my credit in this manner and if they had creditor authority in this matter why they pulled my credit report as if I applied for credit with them when I never gave them authority to do so or applied for credit with them?
Product: Debt collection

I paid the Total Sum Of {$4900.00} and this information XXXX should not show up on my XXXX/Transunion/XXXX  Credit Reports. please remove this Missed payment information and remove off of my credit report
Product: Debt or credit management

I am requesting all inquiries for 2023 be removed as well as any showing paid or closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

> Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

> They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

> They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a alert stating that Experian place a fraud alert on my report, ( XX/XX/2014 ) i call and ask them why was the fraud alert on, so the rep told me he was pass on by XXXX  and XXXX  and the only way they can take it off of i mail in my id with a letter asking to remove, so i call XXXX  and XXXX  directly after Experian told me that one of the other bureau reported it, they both stated no they dont know where Experian get that from and that i have no fraud alert on neither other report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX, Equifax and XXXX several times regarding the XXXX XXXX account. XXXX XXXX is refusing to discuss collection for XXXX account or accept any payments from me stating they are no longer handling account it is with a 3rd party. The is no other company reporting this account to my credit report, only XXXX XXXX. I have attempted several times to resolve this account with XXXX XXXX with the latest being today XX/XX/2021 at XXXX eastern, I spoke with XXXX whom once again refuses to discuss account, accept payment or even send a current dated bill for the balance owed. I have recorded conversations of XXXX XXXX refusals. I have filed several disputes advising XXXX, XXXX and Equifax of the issues with XXXX XXXX and the recorded conversations with contact information to reach me to hear them. All 3 continue to close my disputes stating they verified account details without investigating the issue Im disputing. XXXX XXXX should not be allowed to remain on my credit report if they are refusing to discuss account, accept payment for account or even send me a current bill for account. At this point Im ready to get a lawyer and sue XXXX, Equifax, XXXX and XXXX XXXX because Ive tried for several months to resolve this myself to no avail.
Product: Money transfer, virtual currency, or money service

I was suppose to have been talking to XXXX. XXXX. They got my cash app and withdrew XXXX $ from my account without authorization. Cash app has denied me to receive my money back from the scam please help me