23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I contacted Midland Funding via certified mail about a frivolous alleged debt they are reporting a collection on my credit file to the credit bureaus. I requested that they send me documentation/contracts with my signature on it, To verify this debt is mines. The {$600.00} they say I owe is frivolous, I have never did any business with Midland Funding. 

After contacting Midland Funding about this matter twice by certified mail, I started receiving personal phone calls from their customer service agents early in the mornings and afternoons about this debt. 
Midland funding haven't provided me with any proof of documentations with my signature acknowledging that I have a contract with them. I never purchased or borrow anything from this company. 
This is a clear violation of the Fair Debt Collection Practice Act and the Fair Credit Reporting Act!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agencies 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 XXXX XXXX which was opened XX/XX/XXXX - XXXX  Auto Finance which was opened on XX/XX/XXXX - XXXX XXXX which was opened on XX/XX/XXXX - XXXX XXXX XXXX which was opened on XX/XX/XXXX - XXXX XXXX which was opened on XX/XX/XXXX - XXXX motors which was opened on XX/XX/XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

This is in reference to my Citi XXXX XXXX. I lost my job in XXXX, 2024. My income was dramatically reduced and I was unable to make my payments- as a result, I missed several payments on different credit card accounts with other banks. I notified Citi that I lost my job and that my income was reduced from roughly XXXX to XXXX, which didn't even cover my rent and car payment together. I cashed out my 401 K to cover some expenses, including credit card payments, while I looked for a job. Citi allowed me to enroll in a payment plan with reduced payments. I made those payments on time ( and sometimes paid a little more ) yet Citi continued to report me as late to the credit bureaus. On top of that, knowing I lost my job and I was on a payment plan, they amassed an annual fee of XXXX, throwing me over my limit and derailing my progress. 

Once I was able to get caught up, I would make several small payments here and there so I could use the card and get the points. One day, out of the blue, they canceled my account. As a result, my credit score took a huge hit, and now my debt-to-income ratio has skyrocketed since my available credit has been so drastically reduced. 

Citi continued to kick me while I was down. I called customer service to speak to someone and they told me I'm not the only one this has happened to. How can a company treat its customers this way? I did nothing wrong, worked diligently to make my payments even though it cost me in other areas, and they have made it substantially worse for me to climb out of debt and finally restore my good credit rating. 

This usury should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the following accounts I want to be reivestigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have ask Experian to validate the accounts above by requiring the creditors to produce documentation bearing my physical signature of contract. I have tried in XXXX to get Experian to comply with supplying proof of their alleged investigation and validation of debt.
Product: Debt collection

My XXXX XXXX XXXX XXXX bank account was closed and marked as charged off with debt of XXXX $ +, the money was withdrawn from an online sports betting app. The money was fraudulently deposited to my account. Then withdrawal to my bank account. I would like to remove this debt because I did not authorize that deposit to happen!
Product: Debt collection

On or about XX/XX/XXXX, I went to a XXXX retailer located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I told the employee named XXXX I wanted a XXXX network pass. The network pass is a 3 month free trial while you keep your current service to compare the XXXX network. The only cost according to the employee was a {$10.00} for a sim card which I paid that day. After comparing to my current provider XXXX XXXX XXXX I found T-Mobile to be worse in terms of speed and reception. On or around XX/XX/XXXX, I again entered the store and told XXXX that the XXXX  was not a improvement. I asked if there was anything I needed to do to cancel the trial. He said I did not have to do anything on my end. On XX/XX/XXXX a derogatory creditor placed a {$150.00} unpaid collection account on my credit report. This is either deceptive advertising or inept work by the employee signing me up for a plan that was not the free trial. This has caused me wasted time, emotional distress and possibly a denial of a auto loan that I recently inquired for.
Product: Credit reporting or other personal consumer reports

I requested that Equifax remove a XXXX XXXXXXXX bankruptcy from my report. it was filed in 2017 and my understanding is a XXXX XXXX gets removed or delete after 7 years from the file date. now XXXX and XXXX both have already removed this negative item off my report as I'm trying to rebuild my credit score. I have tried multiple time to dispute it with EQUIFAX and they have failed to help me and in some instances have told me that it gets removed after 10 years which is incorrect info. it also states on their own website that XXXX XXXXXXXX gets removed after 7 years which is now ... can you please help me in removing this XXXX  XXXX off my report from 2017 US BANKRUPTCY COURT XXXX IS XXXX REFERENCE # XXXX XXXX XXXX. IT WAS DISCHARED I DID EVERYTHING RIGHT. now I ask that it be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified bureau by phone, online and by mail. I have placed a Fraud Alert on  my profile and still have not received the proper assistance. I notified the bureau that they were reporting inaccurate information and they continue to report it stating it has been verified as accurate. They are not investigating the matters themselves they are allowing a 3rd party to do so and isnt providing me information on who they are verifying through and with. Ive tried all means to have this rectified. 

Accounts XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The number I provided is my shared work office number. I am not the only person who answers this phone and they have been repeatedly calling. They have now submitted a law suit against me to the county I reside in.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to Experian asking for the security freeze on my credit report to be removed. I had not yet received a response, so on XX/XX/year>, I called Experian and provided the automated system with a PIN, which unfroze my credit report. However, this did not allow my bank to pull my credit report in order to open a bank account. 

I later reached out to Experian on XX/XX/year>, by phone. The enrollment specialist on the line let me know that he could not even access my credit report despite it being unfrozen. He told me to reach out to the number XXXX XXXX XXXX XXXX, which is just Experian 's automated phone line for protected consumers. My report had been frozen as a protected consumer, but I completed the unfreeze process. 

I finally came to the conclusion, after reviewing my credit report, that there are statements on my report, which include - " THE INFORMATION ON THIS FILE IS NOT TO BE USED TO DETERMINE CREDIT WORTHINESS, SOME OF THE INFORMATION ABOVE MAY NOT PERTAIN TO THE INDIVIDUAL INQUIRED UPON. FOR AN ACCURATE AND FULL DISCLOSURE, CALL ( XXXX ) XXXX '' ; and - " FILE FROZEN DUE TO FEDERAL LEGISLATION I reached out to Experian via phone on XX/XX/year>. I was transferred by the enrollment specialist to the disputes department. I asked the dispute representative to remove the personal statements, but she told me I would have to send Experian a letter, which I had already done on XX/XX/year>. 

In hopes of rectifying this, I wrote to Experian again on XX/XX/year>. I asked them specifically to remove those personal statements on my report, even providing a copy of my credit report to indicate the personal statements to be removed. However, Experian simply sent me a letter, on XX/XX/year>, saying " We received your request to temporarily or permanently remove a security freeze from your personal credit report or for a personal identification number reminder. Our records indicate that your file does not display a freeze. If you have questions, please contact us. '' I asked my bank to try to pull my credit report again, but the bank representative told me that he still gets the very same personal statements on his system that I told Experian to remove. Experian is not properly investigating the dispute for the personal statements I made, especially since I provided a lot of information proving my identity.
Product: Debt collection

MY NAME IS XXXX XXXX AM NOT A 3RD PARTY.I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT AND I AM REQUESTING THAT THESE NEGATIVE ITEMS BE REMOVED FROM MY CONSUMER REPORT.

I am not happy with the way your company is handling my dispute.I have already filed with the attorney general in your state and I'm submitting this complaint through the CFPB portal about Discover Bank 's response stating that this account has been " verified '' as accurate without providing me with any form of validation, including a signed contract or any documentation bearing my signature to prove that this debt is mine.Your continued reporting of this debt each month AFTER I asked for verification is causing significant damage to my credit.

Moreover, your actions constitute violations of several federal laws.Specifically you have failed to comply with section 805 ( d ) of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits notifying a third party-such as credit reporting agencies about an alleged debt without proper validation. You are also in violation of section 813 of the FDCPA ( 15 USC 1692k ), which entitles me to civil liability for damages in the amount of {$1000.00} for each violation.

Additionally, your failure to ensure the accuracy and integrity of the information reported to credit reporting agencies violates 15 USC 1681 e ( b ) of the Fair Credit Reporting Act ( FCRA ) .You have also not met the standards set forth in 15 USC 6801, which mandates that financial institutions protect the privacy and integrity of consumers ' personal information.

I demand that Discover Bank immediately : 1. Remove the inaccurate and unvalidated debt from my credit report.

2. Provide me with proper validation of the alleged debt, including a signed contract or any documentation bearing my signature.

3. Remit payment of {$1000.00} to me for the civil liability incurred as a result of your violations of the FDCPA.

Please address these issues immediately as failure to comply will result in further legal action being taken against Discover Bank for non-compliance with federal laws.

Thank you for your immediate attention to this matter. I look forward to a swift resolution.

Sincerely, XXXX XXXX
Product: Mortgage

The issue I am having is with my escrow account with this company. They are asking for an amount of money for my escrow account that I disagree. New Day USA Company is projecting a projected low balance of {$2.00}, XXXX requirement for my escrow account. The required minimum actual balance to be maintained is XXXX when you combine the two it totals a shortage amount of {$4000.00}. The projected amount of {$2300.00} to be put in my escrow account will increase my monthly payment to {$390.00} per month. I feel they are asking more than the Federal Law requires as a minimum balance cash reserve. I have attempted several times to speak to Supervisors, and was told no one could speak to me until the XXXX of XX/XX/2022.
Product: Mortgage

I am writing to inform you that Bank of America has engaged in retaliation following my filing of complaint XXXX on XX/XX/2023. 

On Saturday XX/XX/2023 we received an Escrow Analysis letter from Bank of America backdated to XX/XX/2023. We had not received such a letter previously. 

This letter falsely alleges that our family paid only {$5400.00} of a XXXX tax bill of {$9700.00}. The letter states that there was an underpayment of {$4300.00}. The letter states that due to this underpayment, our monthly mortgage bill will increase by nearly {$400.00} per month. 

Upon review of our records we show that we actually paid {$9300.00} of the {$9700.00} tax bill through monthly equal escrow payments of approximately {$770.00}. The probable underpayment amount based on this is about {$430.00}. This is nowhere near the underpayment amount of {$4300.00} indicated on the letter we received. Furthermore, the letter includes dollar amounts that Bank of America knows are not part of Escrow ( e.g. Insurance ). 

Bank of America is using the US Mail to send financial debt information to us that it knows to be false for the apparent purpose of defrauding us. 

Because of our recent written complaints against bank of America for what we believe are violations of State and Federal predatory lending Settlement agreements ( this was contained in certified letters sent to Bank of America - dated XX/XX/2023, XX/XX/2023 and XX/XX/2023 ), we are now being targeted and retaliated against by a significant and an unjustified increase to the monthly mortgage payment in order to place an additional hardship on our family. 

In addition, we have attempted to contact the regulatory affairs person identified for the response and resolution to the original complaint ( # XXXX ). We have not received a call back nor have we received any document showing the response submitted to the CFPB from Bank of America. We have not authorized Bank of America to send any communications electronically. We have received nothing in the mail to date. 

I sent certified letters and a fax to Bank of America authorizing my husband to speak and correspond on these matters. 

I am enclosing a copy of the letter ( along with envelop showing postmark date ) we received from Bank of America regarding Escrow and a copy of the most recent letter sent authorizing my husband to speak on my behalf. My husband is authorized to speak regarding this matter as well.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I never signed or dealt with Acct Resoltn. Very unaware of this company. I asked can they submit all documents I signed with their company and received nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously been disputing the way XXXX XXXX has been reporting this account to XXXX  and transunion the information has not been validated by credit reporting agency. I request that information be validated by the credit reporting act which is my right under section 609,611,623 at the moment we are under litigation with lender and no out come has been resolved. Amount due, ownership of debt, and verification of obligation has not been sent or validated. I have sent certifed letters requesting a proper investigation be completed and spoken to many people in XXXX  and transunion I formly requested how the investigation was done, who validated, and what proof was submitting. Which in all cases my concerns were ignored. I sent 2 certified letters in which my concerns where not addressed. The information posted Report NumberXXXX on XXXX. Resently I sent another certifed letter and no response has yet to be acknowledged.
Product: Vehicle loan or lease

I am having the same issue with Ally Auto. I have been trying to catch up for a while, but they keep denying me help for the catch up. Well, I was behind XXXX and XXXX, with XXXX XXXX due. Well Last week I sent them XXXX $ which left me owing XXXX for XXXX and XXXX bill is due XX/XX/XXXX. I am well aware I am at the very end of this loan, and I am doing what I can to pay it off as fast as I can. I only get paid every two weeks ; I don't know if Ally things I something else to get money but at the moment I don't. If I sent them XXXX $ and when I get paid again, I can't send them anything is because I have other bills, such as mortgage XXXX. I have asked for help catching up, this has been going on for a year and a half and I keep being denied and who ever responds here is never accessible to contact after I get off at XXXX. I keep getting messages that they left me notices that from what I have attached I can not see and have not been able to see. I am doing my very best to pay my vehicle off in full, I have not been sitting around just letting it accumulate I have legitimately been working on getting paid off. I am almost finished and there are pulling the same things again blocking my account so I can't see it, I have attached it below. No, I have not tried to call and talk to anyone because it's pointless when it's the same result If I am sending them money as much as I can when I can why be I being threatened and harassed at this point. Ally is very stressful they are also reporting to my credit report that I owe them a certain amount that I don't. I could honestly see if I was paying nothing at all but if I'm sending them XXXX $ and XXXX $ at a time and they wont work with me to catch up what am I to do. I just needed a little help. I didn't hit any lottery number, I don't have it. Here is the Breakdown of what's left on my Car payment, the Total Balance is XXXX, my next payment of XXXX is due XX/XX/XXXX. I paid XXXX $ on XX/XX/XXXX see attached receipt. My past due is XXXX for XX/XX/XXXX, I have XXXX in late fees because I have beeen beeen asking for help to catch up on this account but have been denied for over a year and a half. But I have been still paying as much as I can to catch up. Which if I didnt have all these late fees if I could have gotten some help I would only owe them XXXX $ after the other payments.
Product: Student loan

Navient has been an absolute pain. I have submitted request for loan forgiveness and low income payment option they always say they do n't get my paperwork. they will never have someone higher up contact me. this has been going on since 2015. I have documentation. The call reps are always rude and force me into forebarrance i have no clue what this means or what it is. When I make complaints and tell them i have info and a fax report saying they received my docs they respond I sent them to another company not Navient. I am far from slow I know who I send my stuff to. My credit report is horrible they refuse to fix the issue or back date it is always a run around with the reps. When I ask them to send me my file my call log and ect they say this is impossible. On several occasions I have asked them to record the whole conversation they will not. They do n't log half of the calls. I 'm lost it is impossible .. I 'm at the mercy of the receptionists.I feel like they are purposely doing this. Also, XXXX college pressured us into using this company. They offer funding through them for programs and then do n't offer classes or add more to accumulate more funding and require you to extend your stay. it is a scam it is predatory lending. I can not even use the degree they told me I had to get unless I was a nurse so I do n't even know why I was allowed to be in the program. Every time I ask to speak to someone I never get anyone in charge I WAS NEVER TOLD I COULD FILE A FORMER COMPLAINT EVEN THOUGH I HAVE ASKED
Product: Bank account or service

On Sunday XXXX XXXX while shopping my debit card was not accepted by the merchant. I called TD bank and was informed it was turned of due to suspicious activity. I was glad they did that. I called the bank and found out that someone got my debit card number and used it XXXX times at a grocery store in XXXX for the amount of {$61.00}. I have never been t o XXXX. Even though I told them it was fraudulent they took my money anyway and wont return it for 10 days if at all. I am on a fixed income and can not afford to loss this money. 
I have been violated by the person that got my debit number and then by my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian, XXXX and XXXX for over 2 years regarding XXXX accounts that are not mine reporting on my credit reports. They refuse to prove to me or show evidence that these accounts belong to me and they won't remove them although I have told them I have been a victim of identity theft 2xs in my life. I just want them to stop ruining my life and delete this false reporting from my credit reports. 

XXXX XXXX XXXX Last reported XX/XX/2022 {$1000.00} Open XXXX XXXX XXXX BANK XXXX A and XXXX XXXX Last reported XX/XX/2022 {$190.00} Open balance XXXX Original creditor
Product: Credit reporting or other personal consumer reports

My information might have been impacted by the XXXX data breach and may have got into the wrong hands of the wrong person. 
I been receiving emails, phone calls & text messages for over couple years & noticed some accounts on my credit report that i have not opened. I am a victim of FRAUD and its damaging my financial lifestyle. 

I would appreciate for you guys to remove any inaccurate information on my credit report, here is the following in accurate information XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX