23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by PAM Professional Account Management on XX/XX/XXXX for amount of money owed to XXXX, the tolls they provided in the documents were invalid, my car tag number was accurate, I had the previous day paid my account in full through my monthly billing on my credit card, I sent a letter requesting validation of the debt and disputed it and requested more information on the debt. I received a letter stating the debt was correct and provided a different contact number for the agency. I have contacted the XXXX  and reported this information to them and am making this report. 

XXXX Debt owed was XXXX Return address provided XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX Violation # XXXX Account # XXXX Stated was not to contact XXXX regarding the debt. 
on XX/XX/XXXX Violation # XXXX Account # XXXX Amount due {$210.00} Letter received indicated they could be reached at XXXX Please let me know I can further dispute this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the " Fair Credit Reporting Act '', the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and have violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 states that I have a right to privacy.

15 USC 1681b ( a ) 694 ( a ) ( 2 ) states that a reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( c ) ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information other than records of convictions of crimes not debt which anti-dates any reports by more than 7 years.

15 USC 1681s ( 2 ) ( a ) ( 1 ) states that a person may not furnish any information relating to a consumer to a consumer reporting agency if the person knows or had reason to believe that the information is inaccurate. ( Attached credit items have been reported incorrectly. Please delete these accounts properly. Thank you )
Product: Credit reporting, credit repair services, or other personal consumer reports

so I was a victim of identity theft and had multiple issues because of that and one was a bankruptcy so i disputed with Experian and they verified it after investigation and said the source was XXXX XXXX. So i went to XXXX XXXX disputed and they deleted the inaccurate bankruptcy and said i would have to contact the bureaus myself so i did and it was removed from the other bureaus as they did an actual investigation and then Experian said it was verified and said the source of the Information was lexis nexis and so I contacted XXXX XXXX and they said they did not verify anything from Experian and they again confirmed that the bankruptcy was deleted so this is really messed up they are openly lying to me and this the letter i want to send them on my behalf but when i call they keep lying they violatied fcra and did not do a throughoh investigation i have documentation to prove it and i have written documentation from XXXX stating it was deleted and like i said the other bureaus deleted this. I am very upset I feel very misled and I am going to be filing a complaint with the XXXX and cfpb because you violated the FCRA and did conduct a proper investigation actually you did not do any investigation and you misrepresented and I now have undeniable evidence that you are giving false investigation results because I have In writing from your source of the info thats inaccurately reporting on my report and I know you did not do what you were supposed to and you denied me my legal right to dispute this information I am not happy I simply just want this removed from my information ASAP. I want this expedited because your negligence in the last investigation was nonexistent thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed my credit score had dropped nearly 150 points and my credit limit on my XXXX  credit card had been reduced from {$2000.00} to {$200.00}. I called them and they said Id had a delinquent balance of about {$9.00} beginning in XXXX of this year when I thought I had paid it. Between then and now I did not once receive any notification from XXXX that I had a balance. Nor did I recieve notification that my credit limit had changed. I have not used my card for several months as I rarely visit XXXX  stores and I had gift cards so I didnt need to use my credit card.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX Inquired XXXX XX/XX/2023 EQUIFAX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 2023
Product: Debt collection

MIDLAND IS A COLLECTION COMPANY, WHO IS REPORTING ON MY CREDIT REPORT AND IT APPEARS THAT THEY ARE REPORTING ONE ACCOUNTS TO MAKE IT TWO ACCOUNTS BY GIVING THE ACCOUNTS TWO DIFFERENT ACCOUNT NUMBERS.

XXXX XXXX IS A COLLECTION COMPANY. WHO IS REPORTING ON MY CREDIT REPORT AND THEY ARE DOING THE SAME AS MIDLAND, BY REPORTING ONE ACCOUNT TO MAKE IT TWO ACCOUNTS BY GIVING THE ACCOUNTS TWO DIFFERENT ACCOUNT NUMBERS.

THESE ACCOUNTS DO NOT BELONG TO ME.


MIDLAND MANAGEMENT CREDIT, INC & MIDLAND FUNDING
PO BOX 301030
LOS ANGELES, CA 90030 XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal line of credit with Desert Financial ( account number XXXX ), a credit card account opened with XXXX XXXX  ( account number XXXX ), XXXX personal credit card accounts with XXXX XXXX ( both account numbers begin with XXXX ), and XXXX personal CLOSED credit card accounts with XXXX ( account numbers XXXX, and XXXX. 


These accounts are all appearing on my consumer XXXX credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. The aforementioned accounts appearing on my consumer credit report maintained by you were charged off due to fraud and must be removed immediately. I have attached a copy of FTC Identity Theft Criminal Complaintas proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out thru XXXX XXXX XXXX that Companies had checked my credit without my permission. I am a victim of identity theft. It is reported on all 3 credit bureaus. They must call me before they check my credit to get my permission before they check my credit. I have a block on all three credit reports but someone is still checking my credit to obtain credit on me. XXXX and XXXX also have the same that someone is trying to get credit on me which is bringing down my credit score and interfering with my credit. There is a written statement on my credit reports to contact me before they check my credit, I would have told them I did not apply for any credit from them at any given time. Credit that I have, I gave permission for these companies to check my credit.
Product: Mortgage

I am not getting updates, file requirements/needs or accurate disclosures. I feel as if there is file discussions going on while I am not being informed timely or being informed of what I need to prove or show to get a clear to close. The last email from the credit union that was not prompted by me requesting a status update was XXXX XXXX and today is XXXX/XXXX/17. XXXX If I need a certain figure in my checking account maintained for a certain period I need to know this. My payment is still estimated over what it should be and I have no clue how anything is going with my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer.
Product: Debt collection

started with XXXX trying to collect a {$55.00} debt that was already paid, XXXX was actually overpaid XXXX which was reimbursed via mastercard on XX/XX/23. this issue has resolved with XXXX. 
Now Sunrise Credit Service has submitted my account to collections which impacted my credit score. I have attempted to call and resolve this issue where I was told my account has a {$0.00} balance. She went on to say it was {$110.00} then said XXXX from XXXX and there's been a payment for {$5.00} and XXXX, however, I have not made any payments to this company. Her math is not adding up ; remind you I have a XXXX credit from XXXX for this account. When I asked her to remove this from collections she referred me to XXXX although Sunrise Credit is who made the collections claim. I then asked since the balance is {$0.00} and I have not made any payments since XXXX and XXXX refunded me XXXX for overpayment if she could politely remove me from collections. I offered her 10 days to remove this falsified balance or I would submit to CFPB she became really angry stating how unfair I was being and raising her voice, very unprofessional. Please help me and prevent this occurrence for other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

The person responsibe for this account has passed away. His vehicle was also repoed by 800LoanMart. This debt is not my responsibility!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the validity of a debt with The XXXX XXXX XXXX XXXX XXXX XXXX XXXX has advised they were deleting the tradelines from my credit report. However, Resurgent has failed to delete their collection. I sent them a validation letter on XX/XX/XXXX and they have yet to reply. It is beyond the 30 day time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX and XXXX reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : LOANCARE SERVICING C, ACCOUNT XXXX, OPENED XX/XX/2017, BALANCE OF {$0.00} CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2017, BALANCE OF {$0.00}
Product: Checking or savings account

On XX/XX/XXXX both my Wife and I did not recieve our direct deposits from our employer we have never had any issues and Capital One refuses to provide answer and or resolution to get us our money this in turn has caused us to miss payments that will affect our credit and history with our companies we are paying to. On the other side we are also unable to purchase food and diapers for our toddler due to not getting our paychecks. We are living paycheck to paycheck and this lack of resolution has put us in an unnecessary bind that we did not cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX closde this account in XX/XX/2016 they are reporting a late payment every month since then, they are also reporting a monthly payment of XXXX XXXX  monthly on my TransUnion on a closed account. As well as the high balance is reporting {$10000.00} but the account balances over {$17000.00}. How is that possible?? all of this is incorrect information and they will not change it I have disputed this account numerous of times. The company hasn't done anything to update the incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA 15 U.S. Code 1681i XXXX XXXX, Equifax and XXXX has been violating me for sometime. This is my second attempt to get these alleged accounts removed. I have provided attachments of proof of the inaccurate consumer reporting. I, consumer have the right to privacy and these Consumer reporting agencies have not provided me with any consent to furnish any of these alleged and inaccurate accounts. These accounts are causing me anf my family financial damage. 

15 U.S.C. 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish a account without my written instruction. 

15 U.S.C. 1681 Section 602 A. States i have the right to privacy. 

Delete these account immediately, unless you want to be held liable for {$1000.00} per violation XXXX XXXX # XXXX XXXX XXXX DEPTEDXXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX US DEPT ED ACCOUNT # XXXX XXXX/EQUIFAX/XXXX  USDOEXXXX ACCOUNT # XXXX XXXX/EQUIFAX/XXXX  XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I continuously received bills in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I get my report back and I was furious with the amount of items I saw on my report that I know do not belong to me. Please remove these items from my credit report. 

XXXX XXXX {$23000.00} XXXX XXXX   XXXX {$9900.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the inquires listed. Please block and remove them
Product: Student loan

Th  e day before my Salliemae student loan payment was due I contacted a rep to discuss the impact on my account of making my payment at the end of the month rather than the middle for just that one month. The rep indicated it would be no problem, but that I still may get " a call '' each day from Salliemae until I made my payment. I understood, requested my account be notated accordingly, and hung up. For two weeks I endured numerous calls per day ; I lost count at six calls one day, which was the norm for the number of calls Salliemae made in an effort to collect a debt that had a due date that had been arranged and had not come up yet. I was also contacted by e-mail, which indicated my " loan ( s ) require [ d ] [ my ] attention. '' When I contacted Salliemae to discuss how harassing the calls were, I was told Salliemae was perfectly within the bounds of the law on their manner of contacting me under the circumstances with up to eight ( 8 ) calls a day, seven days a week. I was told this by a supervisor, who was rude and argumentative and whose badge number I notated, when I escalated my complaint.
After returning a collection call, within the hour the calls would resume, and every call to me was made without properly identifying their company via caller ID.
It 's a violation of federal ( 15 U.S.C. Subchapter V 1692 ) and state law ( California Civil Code 1788.11 ) to perform collection calls as they did.
I feel like my actions were appropriate in communicating to Salliemae, with proper notice, that I possibly needed to make arrangements for an upcoming payment due date. An agreed upon date was notated and honored in a timely manner by me. The respective steps taken by Salliemae in response to the agreement was unlawful, harassing and completely uncalled for under the circumstances.
I 'd like Salliemae to acknowledge their actions as such and I 'd like the supervisor who claimed to be operating within the law to assure me that under like circumstances, what happened to me will never happen again, or to anyone with a Salliemae student loan.     Regards,  XXXX   XXXX