23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I received an alert from all three credit reporting agencies that an item was placed on my credit. Upon investigation, it was evidenced that Midwest Recovery Systems of XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, MO XXXX, reporting a collection matter of $XXXX to the various credit reporting agencies on XX/XX/XXXX. The original creditor's name on the collection matter is XXXX XXXX.On XX/XX/XXXX, I contacted Midwest Recovery Systems and spoke with Mr. XXXX XXXX to obtain clarification of the item placed on my credit, as I received no prior calls or letters from Midwest Recovery about this debt, giving me the right to dispute or understand the claim. I was told by Mr. XXXX XXXX that they spoke with me in XX/XX/XXXX, for which I have no knowledge of, and I made him aware that I had no memory or recollection of any discussion with Midwest Recovery about this debt. I have received strange threatening voicemails with disguised voices, which I have ignored and for which I cannot say the origin of these calls, but I have not spoken to Midwest about this debt.Mr. XXXX XXXX informed me that this matter is about a payday online loan obtained from XXXX XXXX around XX/XX/XXXX and became delinquent in XX/XX/XXXX. While I do recall using XXXX many years ago, I have not heard from XXXX or any other collectors about a balance owed, and a request at this time is extremely strange. XXXX  debits and take monies out of your account to settle your obligation to them. Also, I believed this debt was settled.I asked Mr. XXXX XXXX to provide proof of an outstanding balance and how this was determined, as I have no records dating back to XX/XX/XXXX. He made me aware that he has no obligation to provide such information and that I should contact my bank to provide me with statements. My account has since been closed. Even banks statements by themselves would not tell but would only show that XXXX debited my account excessively with high interest amounts. A statement of account showing original loan, terms and repayments, plus any add on fees equaling the balance would help.I was recently informed that such loans are not legal in Virginia and the loan is void. I believe XXXX and Midwest Recovery Systems is fully aware of this situation. XXXX and or Midwest Recovery Systems should provide proof that this loan isn't void, and until documentary proof of a debt and that the loan isn't void, I don't think they should be putting this on anyone's credit report.
Product: Credit reporting or other personal consumer reports

Recived a XXXX XXXX notification " There's a new inquiry on your XXXX credit report '' on XX/XX/XXXX & XX/XX/XXXX, the hard inquiry that was posted to XXXX XXXX was from " XXXX XXXXXXXX XXXX XXXX ''. I haven't applied for any lines of credit since XXXX when I bought my car. 

Upon further inspection, I looked at XXXX and they show XXXX XXXX XXXX XXXXXXXX '' and " JPMCB Card '' had hard inquiries on XX/XX/XXXX. According to XXXX account, both of those entities received a copy of my credit report. I haven't authorized ANY credit reports to be pulled. 

I spoke with XXXX and they directed me to submit a dispute with FTC or Police Report and mail it in to get the XXXX off of my report. The FTC directed me to CFPB. I'd like to have these removed from my credit reports & for those companies to receive notice there has been fraud. They can investigate on their own to determine who is behind all of this. In the meantime, I've frozen my credit & added fraud alert to my credit. I just need these taken off of my credit report. Thank you so much
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove these accounts from my credit report. They are hurting my ability to obtain credit.
Product: Debt collection

CBE GROUP XXXX continues to harrass and threaten me with court action for a payday loan I never took out. This is the second time I've had to contact CFPB about them. Please assist. I DO NOT OWE THEM ANY MONEY!!
Product: Debt collection

I C SYSTEM INC IS REPORTING A COLLECTION ACCOUNT THAT IS NOT MINE. 1 YEAR AGO THIS ACCOUNT WAS REMOVED DUE TO IT BEING NOT MY ACCOUNT AND HAS REAPPEARED ON MY CREDIT REPORT THIS YEAR. THE ACCOUNT HAS BEEN REAGED AND SOLD TO A NEW COMPANY WHO HAS NO LEGAL RIGHT TO COLLECT THIS DEBT.
Product: Credit reporting or other personal consumer reports

I checked my XXXX and XXXX and Transunion credit report and there was addresses and names and inquiries and accounts that dont belong to me on the credit reports I sent them proof of police report and identity theft report and to remove those accounts and correct my personal information like my name and addresses and to remove the inquiries and they did not they are refusing to correct them
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  is reporting negative on the credit report without even giving the consumer an option of relief or deferment on the credit account based on a national declared disaster that tie XXXX Texas back to back, a tornado in XXXX of 2024 and then a hurricane in XXXX of 2024. This creditor never have an option of relief on the account or payment arrangement seeing how the account was used without authorization during that time when the card was stolen during home displacement. XXXX and equifax continues to report the account despite the fraudulent activity being reported which is against federal laws. An investigation was never done into the account
Product: Debt collection

this company is trying to collect a debt i do not own, As I was checking my credit i have found this collection which is affecting my credit granting.
Product: Vehicle loan or lease

Well I got a capital one silver card I had it for at lease 4 to 5 years my credit never went up and I paid more than 6 month consecutive and then I get a car loan a XXXX XXXX XXXX XXXXXXXXXXXX I get in a car accident in Michigan I found out the laws different so it comes up non fault on both parties so I have liability but I paid for gap insurance on the car I bought the car for XXXX so the car was total out they sad my gap could work cause the car was worth XXXX a used car so Im stuck paying on a car I dont even have I ask them do they want the car back they said no
Product: Checking or savings account

On or about XX/XX/XXXX, I opened a Silver Business Checking account with U.S. Bank using promotional code " XXXX ''. The terms of the promotion associated with this code explained that by maintaining a balance of at least {$30000.00} in the account during the promotional period, I would earn an {$800.00} bonus. 

During the promotional period, a fraudulent debit from my account lowered my balance below {$30000.00}. As a result, my minimum daily balance only qualified for a lower-tier bonus of {$300.00}. 

U.S. Bank has completed their investigation of the fraudulent debit, and awarded a credit in the amount of the original debit. However, they refuse to award the full {$800.00} bonus. 

In a voice message dated XX/XX/XXXX, referencing case number XXXX, a representative from U.S. Bank Customer Care Unit claims that my Silver Business Checking account only qualified for the {$300.00} bonus, regardless of daily balance, and opening a different version was required for the {$800.00} bonus. The agent refers to a promotional code " XXXX '', which is not the code under which I opened this account. 

At account opening, the terms made clear that several versions of accounts qualified for the {$800.00} bonus, including Silver Business Checking.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to you in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing Convergent Account Names and Numbers, XXXX XXXX XXXX # XXXX .... and XXXX ...., as listed on my credit report. As a consumer protected under this legislation, I am exercising my rights to privacy and accuracy of credit reporting. 

Under Section 15 U.S.C. 1681, Section 602 ( A ), I am entitled to privacy and fair treatment regarding the information contained in my credit report. Furthermore, Section 15 U.S.C. 1681, Section 604 ( A ), Subsection 2, mandates that consumer reporting agencies, such as XXXX, can not furnish information without written instructions from the consumer. 

I am formally requesting that EXPERIAN conduct a thorough investigation into the accuracy and validity of the aforementioned item on my credit report. Per the provisions of the FCRA, any information that can not be verified by the creditor must be promptly removed from my report. 

Please note that under 15 U.S.C. Sec. 1681i ( a ), Experian is required to complete this reinvestigation within 30 days of receiving this dispute letter. Additionally, I request that an updated copy of my credit report be sent to the address provided above, free of charge, as stipulated by the FCRA. 

Furthermore, I kindly ask that Experian notifies any parties who have received my credit report within the past six months of any corrections made as a result of this dispute. 

Thank you for your prompt attention to this matter. I appreciate your cooperation and diligence in ensuring the accuracy and integrity of my credit report.
Product: Checking or savings account

Citibank suddenly suspended my account. I have no issue with it. 

But the problem is my remaining balance. They said they would deliver an account closing letter for me but I never received it. I only got an email that they sent me an e-letter to my Citibank app, but since they had closed my account, I can not log in to the Citibank app anymore, so there is no way for me to check the account closing letter. 

I called the CS many times but all of them can not fix the problem, even can not give me a clear solution where or how to collect my remaining balance in the account. Before there was a CS told me that I could collect the balance in any branch, but when I went there, I was told that they still have to wait for the internal department to decide. Such poor internal communication and Wasted my time. 

Please be professional and send me the remaining balance by bank cheque ASAP. Thanks.
Product: Mortgage

My mortgage company, Mr. Cooper, has not made any payments for my XXXX property taxes for my townhome which I presently live in. Since my loan is escrowed for property taxes by Mr. Cooper the taxes should have been paid and my account should not be way past due and delinquent. I had mailed and emailed the property tax statements to the addresses listed on XXXX XXXX website last year and have not received any responses as of yet. 

On XX/XX/2020, I spoke to XXXX XXXX, Home Advisor for Mr. Cooper XXXX XXXX ) and she suggested that I email the property tax statements to her and she would escalate the request and forward them to the tax department. As of today, XX/XX/2020, I still have not heard from anyone from Mr. Cooper that this matter was taken care of, therefore, these taxes are still delinquent. I sent an email to XXXX XXXX and her supervisor XXXX XXXX XXXX XXXX ) on XX/XX/2020 and also left messages on their voice mail to return my call and have not heard from either of them, therefore, I forwarded a copy of their email to the Consumer Affairs email. 

On XX/XX/2020, I called the offices of Mr. Cooper again and spoke to 2 different people because I got transferred around again. One person told me payment should have been paid XX/XX/2020 and transferred me to another person who put me on hold for a half hour and never came back on phone and I got disconnected which made me very upset. I feel like I am getting the run around.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( 15 USC 1681a and b ), consumer reporting agencies must fulfill their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. The Privacy Act of 1974 prohibits the disclosure of records without the individual 's explicit written consent. XXXX, XXXX, and TransUnion have not obtained my consent for the report of the bankruptcy on my credit profiles. These companies need to remove this reporting due to inaccuracies in reporting and violations of Metro 2 compliance. Attached are court statements and an FTC report for identity theft as evidence. As per 15 USC U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, no later than 4 business days after the date of receipt by such agencies.
Product: Credit reporting or other personal consumer reports

These account ( s ) was charged off on the following date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Debt collection

Three banking institutions are reporting inaccurate information on my ChexSystems report. ChexSystems refuses to remove the information, and as a result, I got denied for a bank account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX BA Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I would like to file a formal complaint against Seterus for failure to respond to my request by my attorney pursuant to RESPA. My main complaint is that they have taken funds that I had in a suspended account and used it with my permission to paid off late payments that was being charged to my account due to their account error. I have spoke with them and they had promise for over a year to correct their mistakes. They had 60 days to respond by to my lawyer 's letter dated XXXX/XXXX/2015, in which case up until now They have never responded. As well I filed XXXX on this account with XXXX and they failed to reaffirm the account and then sold this account to Seturus who has been very borderline criminal, if not all the way criminal with their practices. Please see my attached letters, thank you.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reviewed my XXXX consumer report and noticed an inquiry from Transworld Systems , Inc. conducted on XX/XX/XXXX. I did not give my permission for them to access my XXXX consumer report.

I do not have an account with Transworld Systems, Inc, nor have I ever done business with them. 

This is a permissible pull violation under the Fair Credit Reporting Act. I want to know why Transworld Systems , Inc. looked at my consumer report without first obtaining the proper authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of ID theft I took the legal advice I was given to send in report to XXXX  credit bureau with reports and my identity on XX/XX/XXXX and the XXXX after then mmm saying I didnt resend my drivers license the first time without my drivers license. So I called 5 different times and everyone I would get told different stories. The last time I talked with an agent was on XXXX and she told me that the fraud accounts were sent in for dispute through the furnishers, previous rep told me before her than the accounts she have been blocked immediately due to the proper documentation being sent in. To my knowledge its the law that if consumer send proper legal documents in they have to comply XXXX? So XXXX  and TransUnion did there part of the information XXXX shared with them. So the next day after talking to the XXXX  rep, I get an email saying that all the account disputes were updated, how were they updated if they were sent to the furnishers for Verification? Im being lied to and they are harmfully hurting me for these ID theft accounts I didnt do. I contacted FTC, attached is screenshots
Product: Credit reporting or other personal consumer reports

I cant believe what I saw on my credit report this afternoonthere are inaccurate accounts that I didnt even know about! I routinely check my credit report, and I was completely taken aback by these sudden discrepancies. I thought maybe refreshing my browser would clear it up, but it didnt work at all. The incorrect accounts were still there! Im asking that you carefully review the documents I submitted so that I wont have to worry about this ever again.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

On my credit report Hyundai motor finance is reporting a CHARGE OFF. My car was totaled and insurance sent Hyundai a full payment. I also had XXXX XXXX which sent a payment to hyundai as well. Hyundai sent me many STATEMENTS in the mail showing I owed XXXX dollars and that my payments were UP TO DATE. I made a final payment to Hyundai ( the balance owed from gap and insurance ) and the account was closed successfully. I reached out to Hyundai and let them know they were incorrectly reporting a charge off, I spoke with XXXX XX/XX/2021 and she said she see in their system that I was never late on payments and a charge off should have never been submitted on my account. She said to report it to the bureaus and they will correct it. I reported to XXXX, XXXX, and XXXX  and all of them were unable to fix the error and failed to validate the information. I even submitted the statements showing up to date payments which contradicts the first date of delinquency!
Product: Credit reporting or other personal consumer reports

I demand that any OTHER reported personal identifier information be removed from reporting as it does NOT MATCH EXACTLY my true current CORRECT information EXACTLY as I have detailed above. It is MY RIGHT to DENY YOU AUTHORITY TO REPORT DEFICIENT of factual verifiability of validation of only TRUE CORRECT COMPLETE TIMELY CLAIMS which as well are CERTIFIABLY COMPIANT IN their reporting, even to the mandatorily perfect and certified XXXX XXXX format reporting standard ( XXXX ) of compliance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not reporting my home mortgage correctly on my credit report. They are indicate that home mortgage account is " Closed ''. The bank that carries my mortgage " XXXX XXXX XXXX XXXX XXXX   '' did not report my information correctly to three credit bureau after the completion of Chapter XXXX. My mortgage company has corrected this issue. They submitted this information to all ( 3 ) XXXX, XXXX and Equifax. XXXX  and XXXX have already made the corrections to my credit report. I have spoke with Equifax numerous time over the last two months with no resolution. My last conversation with Equifax was on Friday XX/XX/19. It was due to I could not access their online dispute action center for status of my claim. I tried work out over phone, but got know where with them except frustrated and upset. They ask me to submit a 4th dispute by Fax, which I did on Friday XX/XX/19. I would have to say this has been my worst experience ever deal with a company and their representatives. Dealing with XXXX and XXXX was pleasant experience. I see online that Equifax have had over 1000 complaints for similar issues to my.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


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

XXXX XXXX- sent a letter XX/XX/2022 - on the phone Ive tried to correct my name with Experian, I was told that my name would be updated to the correct spelling, they did not update my name correctly and also told me they could not update the name because its tied to a credit account. If that is not the correct name why is it being reported, and why cant it be removed. I can show identification, proof/documents of my name. They had my name listed 14 different time incorrectly on my credit profile.