23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

During my recent review of my consumer credit file as of XX/XX/2023, I noticed that Midwest Receivable Solutions ( account # XXXX ) are furnishing inaccurate information to the following credit agencies XXXX XXXX XXXX, XXXX. The reporting of the above accounts has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 12 CFR 1006.34 Notice for validation of debts. ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information : 1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. I DID NOT RECEIVE ANY NOTICE OR INITIAL COMMUNICATION FROM Midwest Receivable Solutions PRIOR TO THIS ALLEGED DEBT BEING PARKED ON MY CONSUMER CREDIT REPORTS. Midwest Receivable Solutions has violated my consumer rights under the above stated laws.
Product: Debt collection

On XX/XX/2019 the follow message was sent to the apartment complex : Hello xxx, After careful deliberation I would like to proceed with option number one of the buyout options. This email will serve as my 30 day WRITTEN notice that I will be vacating the premises on XX/XX/2019 and moving into my new residence. My decision to vacate and break this lease is as following : Repairs from XXXX are still not fixed such as : missing screen of window and main entrance door still bended in Pest problem is horrible, when pest control came it made the problem worse Roommates moved out and I can no longer afford the monthly rent on my own without being able to live life comfortably. 

And the property isnt well kept among other things. 

I will appear to court on XX/XX/XXXX as requested, but I have no intentions of continuing to occupy this apartment after the XXXX. This email should serve as my notice to vacate. If I need to provide a court ordered document please let me know ASAP, but please honor this as my 30-day notice. 

Lastly, please provide any forms that my guarantor and I need to sign and we will pay the {$1700.00} before we move as your previous email stated. 

Thank you and I look forward to hearing from you soon. 

Respectfully, XXXX On XX/XX/2019 this email was acknowledged by apartment complex and signed agreement and lease buyout forms. On XX/XX/2019 I appeared to court for unlawful detainer case. I submitted my lease buyout fee that equaled to a months rent and vacated on the date I said i will the judge dismissed the case as a non-suit. After following the complex terms, paying them and vacating willing all a part of our agreement they still sold an unverified debt to National XXXX audit collectors on XX/XX/2019. I disputed this with all 3 credit bureaus and only 1 out of 3 removed it from my credit. National credit audit corporation refused to remove it off of my other two reports. The original creditor did not verify this collection they sold it to national credit audit and there was NO written form of communication, contract, or written signature for the accused at all. A bill without signature does not validate a debt and anyone can send me a bill saying it mine. According to the FCRA ( National Credit Audit Corp ) has violated my rights as a consumer and I am requesting legal action to remove this account AS SOON AS POSSIBLE
Product: Credit card

Citibank informed me via their chat support, in writing, sometime in XXXX or XX/XX/2023 that my secured credit card will be unsecured and a check would be mailed to me in XX/XX/2023. 

I called their customer support XXXX to verify this, one time before XXXX, once during the month of XXXX, and once today, XX/XX/2023. 

The first 2x I called them they informed me I would be receiving a {$500.00} check in the mail and the card would be unsecured. The 3rd time I called them, they informed me that my card would not be unsecured and would be reviewed again in 12 months, and they stated that they sent me a letter in XX/XX/2023 confirming this. 

Citibank uploads all letters sent in the mail via a secure platform on their mobile app. I have letters from before XXXX, and after XXXX, however no such letter regarding the card being unsecured is anywhere in the app and I never received a letter regarding the card being unsecured in the mail. 

I would have never made the decision to use the card, and would have used a different card and would have left a XXXX balance on it had I known that it was not going to be unsecured. I want the card unsecured and I want my {$500.00} back NOW. This is unacceptable.
Product: Debt collection

XXXX XXXX XXXX XXXX has sent an amount of XXXX to collections. 
-Transworld Systems Inc. is the debt collector. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX performed a medical service for my doctor 's office. 
XXXXThey were never accepted by health insurance so they would try to bill XXXX  for thousands of dollars and XXXX  would send me checks for a much smaller amount that I would endorse and send to XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX always accepted the checks as payment. If I spoke with them on the phone they would take whatever amount XXXX  offered. 
XXXXThey never sent me a bill directly in 5+ years of my doctor using their services. 
-As of XX/XX/2023 my doctor terminated his relationship with XXXX XXXX XXXX XXXX XXXX 
-Since then they have started sending all of his patients already settled accounts to collections. 
-I received notice of the debt via email from Transworld Systems Inc XXXX I have never given them or XXXX XXXX XXXX XXXX my email address. 
-The notice states that I now owe XXXX as of XX/XX/XXXX due to interest totaling XXXX since XX/XX/2023. 
-They have also never sent me any documentation about what services I owe them money for. 
-A search on the internet quickly returns the same experience by many other patients being harassed by XXXX XXXXXXXX XXXX XXXX and Transworld Systems Inc XXXX 
-I have disputed the full amount, requested validations details, both online and in written form.
Product: Credit reporting

XXXX has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Experian several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Experian credit report and to stop this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, also notated as XXXX was deleted from my TransUnion report. It was reinserted and I was not notified by any parties. The credit bureaus must notify you within 5 days of the re-insert date. If a previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. 

XXXX XXXX has failed to report my challenges as " disputed '' to all 3 credit bureaus, including TransUnion, for several months. A fine can be sought for each month and each bureaus for which XXXX XXXX was and is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 






13.15 U.S. Code 1692e 10 False or Misleading Representations XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Student loan

I first tried to consolidate through XXXX Loans. Somehow I got involved with Navient. I dont even remember switching to them!! They call and we set up payment to be taken out and my balance never seem to decrease and I ca n't get a home loan with such negative score from student loan!! Please help!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX. XXXX  - XX/XX/year> XXXX. XXXX  - XX/XX/year> XXXX. XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, personal loan, or advance loan

I submitted a request for a buyout quote on the XXXX of XXXX because I'm in the process of securing a loan to prevent losing my home and defaulting on my debts. During the initial phone call, I was informed that these requests typically take between XXXX and XXXX business days to process. 

On XX/XX/XXXX, I followed up to check on the progress. Unfortunately, they didn't have any updates for me. I emphasized the urgency by explaining that my bank has set a deadline of XX/XX/XXXX for receiving this buyout quote, as it affects my loan application, and they assured me that they would flag the ticket with this information. 

When I called again on XX/XX/XXXX, I was told there was still no progress, even though the ticket was marked as urgent. The customer service representative mentioned that responses can sometimes take up to 30 days. 

I'm at a critical juncture where this quote is essential to avoid losing my home and defaulting on multiple loans. They are able to give me the full amount needed for me to buy out of the loan verbally over the phone, but they have not been able to send this on paper. Castle Credit Co Holdings , LLC does not seem to care at all. 

Castle Credit, please get me the buyout quote you promised me so that I can delete/close this complaint. This is affecting the well-being of my entire family and will likely result in us going XXXX if you don't act in a timely manner. Please don't do this to us. The ticket number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.
Product: Mortgage

My husband and I were approved for a loan modification and the mortgage lender still has not update our credit reports. I have sent them communications and disputed with the credit bureaus and nothing transpired. It has now been a year since the loan modification has taken place and our credit is still being impacted with their inaccurate reporting. The credit report shows us as being past due {$2400.00} as XXXX/XXXX/2016 the last update from my dispute. This incompetent mortgage lender SLS Specialized Loan Servicing company has ruin XXXX our credit for an year and I want it resolved immediately.
Product: Credit reporting or other personal consumer reports

Someone used my social security information to secure loans and products from XXXX XXXXXXXX for XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX for XXXX fraudulently. I submitted XXXX police reports six times 6X 's to the agencies and Major 3 credit reporting bureaus, Experian, XXXX and XXXX with Notarized Affidavits sent certified postal service that continue to not be unacknowledged and acted upon.
Product: Credit reporting or other personal consumer reports

When I review my credit report, I realized that same information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX Owed : {$3200.00} XXXX XXXX XXXX Owed : {$8900.00}
Product: Debt collection

I owned a XXXX XXXX XXXX. On the XXXX of XXXX XXXX I was stopped for driving with a suspended license. The XXXX had my car towed to XXXX XXXX XXXX XXXX and placed a 30 day hold. The amount was going to be very high to take out so I signed the title to the towing company so that they could lien sale it. After that, I never heard from the company ever again. No notice or letters giving me notice that I owed this amount. Then on the XXXX of XXXX XXXX I get this letter from the collection agency FINEX GROUP LLC Collection Services located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. I informed them that I disputed this debt. XXXX XXXX XXXX neglected to give me proper notice that this was outstanding.
Product: Prepaid card

I CONTACTED DIRECT EXPRESS ON XXXX XXXX, WHEN MY CARD WAS DECLINED. I WAS TOLD BY DIRECT EXPRESS THAT ON XXXX XXXX, DIRECT EXPRESS TRANSFERED FUNDS FROM MY ACCOUNT TO ANOTHER ACCOUNT WITHOUT MY KNOWLEDGE AUTHORIZATION OR CONSENT, MY CARD IS STILL IN MY POSSESSION BUT OTHER DETAILS WERENT GIVEN TO ME. DIRECT EXPRESS CANCELED MY CARD IMMEDIATELY AND TOLD ME I WOULD RECEIVE PAPERWORK IN 3 DAYS WHICH I HAD TO COMPLETE AND RETURN TO THEM WITHIN 10 BUSINESS DAYS FROM THE DATE WHICH I CALLED THEM, I RETURNED THE PAPERWORK VIA PRIORTY MAIL EXPRESS THROUGH THE USPS, SCHEDULED DELIVERY DATE WAS XXXX/XXXX/2016, DIRECT EXPRESS CLAIMS THEY NEVER RECEIVED MY PAPERWORK. I TRACKED THE PAPERWORK THAT I MAILED AND THE TRACKING STATES THAT IT WAS DELIVERED ON TIME TO DIRECT EXPRESS. THEY NO LONGER ARE ACCEPTING MY ATTEMPTS TO CALL THEM. WHEN I CALL I GET DISCONNECTED WHEN PROMPTED TO HOLD FOR A REPRESENTIVE OR IM TOLD DUE TO HIGH VOLUME OF CALLS, PLEASE CALL BACK LATER,
Product: Credit reporting or other personal consumer reports

Experian 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 Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Consumer Loan

In XXXX XXXX I ended a lease with XXXX XXXX and purchased the vehicle with a loan from Chase Auto Finance. At the time I was living in XXXX, and in XXXX of XXXX we moved back to XXXX. Once I moved I started getting documents from Chase, sent in XXXX overnight envelopes, stating that I owed over {$2000.00} in DMV fees to XXXX, with no real explanation as to why. 
After months of repeated attempts to contact Chase to get answers, I sent a letter in XXXX XXXX stating I needed a clear timeline and schedule of events, assessments, and payments so I can clearly understand what they were stating I owed and why. I stated that if I did not receive a resolution I would be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) to review the situation. 
Once I sent my letter the case was escalated to a manager within Chase, XXXX XXXX. XXXX XXXX promptly called me and stated the previous Customer Service agent made some mistakes and that Chase would cover the balance owed and she would personally support the case. I thought everything was handled until I received a packet from the XXXX DMV stating that they were sent an incomplete application and the title " needs a company stamp or name with counter signature on section XXXX of the certificate of title ''. 

Not knowing what this means or what to do, I called XXXX XXXX four times over 2 months, each timing leaving her a detailed voicemail, with no response. I called Customer Service multiple times and they were friendly, but unable to understand the issue or what to do. On XXXX XXXX, XXXX I spoke with a customer service agent who was able to reach XXXX XXXX via internal Instant Messaging while I was on the phone, and XXXX XXXX still refused to take my call. But she did agree to let me email her the information I received from the XXXX DMV. 

After reviewing the information, XXXX XXXX emailed me to say this needed to go to XXXX XXXX for a signature. I emailed her multiple times, we spoke on the phone, and I made it very clear that Chase needed to tell me WHO at XXXX could help ( I did n't want to send it to a generic address where their Customer Service team would n't know what to do with it either ). I still did not understand why Chase did n't handle this back in XXXX XXXX, and XXXX stated she did n't know why either, but that I needed to send it to XXXX. 
Unfortunately she sent me a XXXX envelope with a generic address to XXXX Financing, and when I sent them my title packet from the XXXX DMV with a letter explaining that I needed their signature, they sent it back to me unchanged with no letter of explanation. 

At this point I have had a loan with Chase for 16 months and still no operating title, which is a huge issue. It is imperative for Chase, the state of XXXX, and myself to have a proper title. It also seems clear that Chase will only communicate with me seriously on this matter if I threaten to escalate to you, the CFPB. That however, has also stopped working, which is why I 'm now filing this complaint. Please help!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment.

This was clearly a billing error made by the company and it 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 XX/XX/year> to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of 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 USC1666b ( 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 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 a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports Fraudulent Account : XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint regarding your failure to correct inaccurate information on my credit report for my account with XXXX, Account Number XXXX. Despite multiple written requests for correction, dated ( XX/XX/year> ), my requests have been consistently disregarded. This failure constitutes violations of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account indicates a failure to meet this legal requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies verify the accuracy of information in consumer files, which has not been adhered to in this case. The discrepancies in my credit report remain unresolved, showing negligence on the part of TransUnion to ensure accuracy as mandated. 
TILA Violations : The Truth in Lending Act emphasizes the requirement for accurate and timely disclosures to consumers. Due to the inaccurate reporting of a late payment, my creditworthiness has been adversely impacted, affecting my financial stability. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : The PAANL underscores the duty of creditors to provide timely statements, which would prevent unfair penalties, such as this late payment reporting, that harm consumers without due cause. 
The following discrepancies were noted on my credit report across all three major credit bureaus : TransUnion : XXXX marked as 30 days late, although previous payments were timely. 
XXXX : Similarly, XXXX indicates a 30-day late status despite consistent timely payments. 
XXXX : Records a 30-day late entry in XXXX as well, contradicting previous payments made on time. 
Nothing has changed despite two previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability.

Desired Resolution : I request the immediate removal of the inaccurate late payment notation from my credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your attention to this matter. I trust that you will give this issue the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX