23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management , Inc. repeatedly call me on my cell phone, which is my work phone. When I say Hello, hello, no one is there!!! I repeatedly asked them to Validate this debt, which mentions XXXX and as I see from my credit report is quite old, but they keep sending me a letter saying they are requesting the appropriate documents. The last time they called, I took a photo of the call on my cell number. XXXX removed their entry from my credit report but XXXX is not willing to do so.
Product: Vehicle loan or lease

Subject : Credit Dispute and Request for Removal of Account from Credit Report - Account Number XXXX I am writing to dispute the information on my credit report regarding account number XXXX with Credit Acceptance. Upon reviewing my credit report, I noticed that this account reflects a repossession, which occurred but each month the balance on the loan is falsely being reported as " late '' and the balance goes up. It is impossible for me to be late on payments on a vehicle I no longer have a monthly car payment for I would like to inform you that the repossession of the vehicle associated with this account was a result of being homeless and unemployed at the time. Unfortunately, due to my circumstances, I faced challenges in maintaining the payments on the loan, ultimately resulting in the repossession of the vehicle. 

Since the repossession, I have managed to stabilize my situation and have taken steps to address my financial difficulties. However, the repossession has left a significant impact on my credit report, hindering my ability to secure housing and employment. 

I kindly request that you provide me with a letter confirming the repossession and subsequent sale of the vehicle. This letter is crucial for my records and may be needed for future reference. 

Furthermore, I request that Credit Acceptance remove this account from my credit report immediately. The repossession has already had a detrimental effect on my credit score, and removing this negative account would greatly assist in my efforts to rebuild my financial standing. 

Please provide written confirmation once the account has been removed from my credit report. Additionally, I request that all correspondence regarding this matter be conducted in writing. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Debt collection

Email : Trueaccord.com, XXXX XXXX amount XXXX. I responded that it is not my account to stop sending these email.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX XXXX Transunion regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, XXXX has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 vehicle loan with XXXX XXXX XXXX XXXX XXXX was paid off in full and reported to the credit bureaus but the account it not being reported on XXXX  and XXXX  Credit Report. I have wrote in to the agencies and XXXX  still has not corrected this matter. XXXX  and Experian have add the account but incorrectly and the payoff didnt increase my credit score.
Product: Debt collection

I got a letter in the mail from XXXX XXXX XXXX saying that I owe {$95.00} to XXXX XXXX XXXX with the account number XXXX which I have no knowledge of as I have never had an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a debt validation dispute and it has been way past the time legally alotted and havent had any response yet.

Original sent XX/XX/21 Sending second validation request XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX secured credit card balance shows XXXX but was paid in full on XX/XX/2023 XXXXXXXX XXXX XXXXXXXX show a XXXX balance but settled the collection account on XX/XX/2023 XXXXXXXX XXXX no longer has the loan was taken over by another company and also does not have the correct amount
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Hello! 

I received information about a debt that I am not aware of, the only communication received from this company was a letter to settle the debt. I have no idea what this is related to. I didnt receive communication stating that I have a right to dispute the debt, please look into this matter as soon as possible. 

Thank you,
Product: Credit card or prepaid card

Used store card to purchase item via XXXX. Item was never delivered. Item, for past month, has not resolved customer service inquiry to refund purchase for item never received. Item was supposed to be delivered XXXX XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accounts and inquiries listed on my consumer credit report referenced below, which are the result of a data breach or fraudulent activity. Additionally, I demand verifiable proof bearing my signature or electronic signature for these actions.

Please note, I am sending this letter on my own behalf and not through a third party, so I urge you to review it carefully. I did not authorize these actions, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c-2 ] regarding the blocking of information resulting from fraud or a data breach, as well as Section 604 [ 15 U.S.C. 1681b ], which governs permissible purposes for consumer reports. 

I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof from the reporting parties. These accounts and inquiries are inaccurate and unauthorized, stemming from either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have an old Cash app account and my friend sent me money to that account. I can't open that account anymore because the phone number I used fro log in is no longer in service. I chatted, emailed and called the their customer support but everyone has the same script and didn't resolved the issue. I asked helped from XXXX XXXX XXXX last XXXX XXXX and the Cash app agent replied through email and took us 4 days back and forth but still the same script, issue not resolved. I want my money back! I felt robbed by this company. How come they can not transfer my money from my old to new account? If these agents can not resolve this problem, how come the owner, CEOs and programmers of this app can not step up and resolve the issue? This is theft! My money is on limbo and there is no way I can get it according to their numerous agents I talked to. Please help me, I felt scammed by this company. The attachment is the final response of all the agents I talked to ( chat, call, email ) the same script! So who can approve and override the transfer if these agents can't? So I will just stop and leave my money in limbo? This caused me so much stress already. I am not rich unlike these people. Every $ helps me survive in this expensive State.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX / XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

On all the credit reporting sites XXXX, XXXX, and transunion have reported false and unlawful information about my personal life. We have been damaged by this and drives from our right. 18 USC 241, 242 requires a payment of {$250000.00} to be made to me upon the infringement of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX Balance Owed : {$610.00}
Product: Debt collection

I submitted numerous complaints about this situation but XXXX XXXX still not giving a clear path to resolve this matter, XXXX XXXX never properly notified me of this debt due to circumstances I described in past and I repeat again, the address they had was not residential address rather mail delivering service which due to national disaster temporary suspended delivery of mail, mails were going in but no distribution because they were ordered by United state government to stay home. every citizen of this country was ordered to stay home, all businesses were suspended except for XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX majority of Americans jobless due to international disaster including me, a payday loan was nonsense because no pay.all financial institution suspended collection at that time, speedy cash made lots of money from consumers but yet did not act patriotic and help their fellow Americans, courts, legal and government agencies, place of business and churches were closed. Now what I am asking to give me a clear path as how we can work this out and negotiate to remove this debt from credit bureaus. What it takes and what needed for me to do considering the facts I represented, XXXX XXXX  knew about emergency circumstances at that time, many people were in hospital or quarantine, including me, how in the world they could notify anyone properly and legally at that time, they should of temporarily suspended their debt collecting activities till thing normalized. Now tell
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent via certified mail to Equifax that they are in violation of 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL ( b ) Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave Equifax any written consent to report anything on to my consumer report, no consent is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Agency LexisNexis is reporting my name wrong XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX and XXXX XXXX XXXX XXXX XXXX XXXX or XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX and XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit card or prepaid card

Disputed charge for XXXX on XXXX. I told credit card company Citi that I did not receive service. Nobody waited on us. for 3 hours..The person on the phone said Oh did you cancel? I said no I never received service. We had to be at our destination by XXXX. I walked across the rental to XXXX who waited on us immediately. Citi did reverse charge and later on XXXX I saw they recharged it. I sent in my dispute in writing and now received on XX/XX/XXXX letter stating there is nothing they can do. I called Citi rental and they have no record of a reservation for a car from me. I talked toXXXX XXXX  off site XXXX. I talked to XXXX. She had no reservation or service provided me. I have an additional charge to prove I rented from XXXX instead. The person who answered phone obviously put down the wrong reason. They are trying to say I changed my story. Not the case. Received no service from XXXX XXXX made through Citi travel.! Please help me recover my XXXX. I have always paid bills and have not had this problem before. I also lost rewards points. Citi rewards promotes Citi travel .Citi card says they are no affiliated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is without identifying the account they are collecting for is attempting to collect on an account since XX/XX/2021. 
before XX/XX/2021 XXXX XXXX fraud dept said I was not responsible for this account and said they instructed the big 3 and XXXX credit bureaus to remove this account from their files ... i disputed this account, providing the attached proof to experian and nothing was done but a false verification. 
and today experian will not allow dispute or upload of the information attached here. 

( SEE ATTACHMENTS )
Product: Credit card

On XXXX XXXX I recently been trying to apply for a loan to purchase a car. I have no idea on why Im being denied but I have reported repo on my credit that I wish isnt aware for that to still be on my credit.
Product: Mortgage

XXXX XXXX, Flat Branch. and XXXX XXXX bank ran my credit for a mortgage without having a full application on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Equifax multiple letters on XX/XX/2021 to rectify and remove negative reporting accounts. Per FCRA its been over 30 days and they have not responded. In this case Equifax has to remove all negative reporting accounts per FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments report on XXXX XXXX  The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Debt collection

Experian Total due XXXX Letter was sent but no response XXXXXXXX XXXX XXXX XXXX XXXX  was sent no response XXXX XXXX XXXX XXXX Letter was sent but no response I need clarification on why there are incorrect reported marks on my credit A collection is by default late and past due. Delete this account due to innacurate reporting
Product: Credit card

I received a credit card I had not applied for and a bill for purchases on that card that I did not make.
Product: Credit reporting or other personal consumer reports

I received a balance statement from XXXX credit card which I never opened.
Product: Vehicle loan or lease

Wells Fargo is trying to collect on a debt that twice as old as it legally able to collect on. The debt is 14 years old and they have no legal right to collect on it any more. 

well forgo auto XXXX XXXX XXXX XXXX OR XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$950.00} XXXX  XXXX XXXX Balance Owed : {$95.00} XXXX  XXXX XXXX Balance Owed : {$320.00} XXXX  XXXX XXXX** Balance Owed : {$250.00} XXXX XXXX XX/XX/year>
Product: Debt collection

On XX/XX/XXXX I responded to a letter I received from Creditors Bureau USA in which I requested validation of an alleged debt they claimed I owed. I requested specific signed documents showing that I owed said debt and also included a declaration to be completed, signed and dated by the authorized creditor ; then I sent the letter via certified mail with return receipt requested. On XX/XX/XXXX, my letter and its attachments ( 3 pages ) was received and signed for by Creditors Bureau USA, see EXHIBITS A & B attached. 

In late XXXX I received a response in the form of a bill that showed medical information including what looked like XXXX XXXX  I clearly requested validation of debt which was never provided. I sent a second certified letter citing failure to validate to Creditors Bureau USA, again requesting that they validate this alleged debit. My second letter and its attachments was received and signed for on XX/XX/XXXX, see attached EXHIBITS C & D. As of XX/XX/XXXX, more than 3 months later, I have not received a response from this collection agency, yet they continue to report this invalidated debt to the credit bureaus, a clear VIOLATION of my consumer rights pursuant to the Fair Debt Collection Practices Act. This action may constitute as FRAUD under Federal and State laws. These violations have caused me harm and must be remedied immediately. Thank you.
Product: Checking or savings account

Around XX/XX/XXXX My XXXX XXXX was stolen and used to make withdrawals off several cards. One being my chime debit card and they got {$400.00} in one transaction and {$60.00} in another. I contacted chime when I realized the card was drained and have been denied now twice. The first within a day or 2. And the next I requested the paperwork and no one would give it to me. I was escalated multiple times with no help. I finally got a person who said theyd file my claim again as what Ive described sounds like I am entitled my funds back. Every other card has given me my funds back. Chime refuses to do so and refuses to get me the paperwork used or even the denial letter. They denied my second claim within hours and now every person I talk to says theyre escalating the problem but no one sends me the paperwork. What they are doing is illegal in so many ways. I have chats saved with at least 5 agents and all of them have refused my paperwork.