23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was informed by my brother that Midland Credit Management had called his employer seeking information regarding my debt. To my knowledge, I have not received any phone calls or voicemails from this company to this date and have had the same phone number for at least a decade. They asked my brother several questions trying to get more of my information including what vehicles I owned, and had information that didn't even pertain to me. They somehow associated my brother 's vehicle as being mine ( insinuating that they'd potentially pursue a lein, etc. ) even though we have no financial connections whatsoever, and had additional information I'm certain was not provided to the original company I had debt with, which is immensely concerning in regards to violation of privacy, especially given the amount of debt they claim I owe ( < {$500.00} ). They also read out the information they had to him despite not verifying his identity first. I immediately called them at the number they gave him and have asked them to provide written proof along with ceasing contact of any phone numbers associated with the account they have, but after reading the experiences of others with this company ( MCM ), I'm concerned that they will continue contacting my family and potentially cause issues with their employer ( as well as my own ). I understand they are attempting to collect a debt, but given that I had not been contacted prior to today, I find this to be grossly inappropriate and extreme on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$940.00} or XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/2019 Balance : {$24.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasn't done and that violates my rights as a consumer I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission.

I gave XXXX  permission to run my credit XX/XX/XXXX not XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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: Debt collection

I have received, and responded to, calls from this company, verified that I am not the person who they are attempting to reach, yet they continue to call me at my place of employment demanding that I verify my identity to " ensure I 'm the person '' they are trying to reach. The person calling leaves the name XXXX and phone number XXXX XXXX XXXX XXXX.
Product: Debt collection

These people keep calling from Quantum. They were told years ago that they have the wrong number. They keep calling even though they claim they lost their license last year ( I filled a previous complaint a few weeks ago and that was their response ). I have phone records showing they are calling from multiple lines. When I have picked up recently no one answers. They just keep calling. They have no business with anyone in my home so they need to stop calling. We have been on the do not call list since 2011.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX Account ending in XXXX Re : Your letter Fraudulent charges were made on my account around XXXX of XXXX and some before that with one in XXXX. This was a long list and a high balance of fraudulent charges. It was quite concerning but when I first contacted Discover, they said not to worry about it, they would take care of it. Almost a year later, they have not. The list includes individual charges from online and local merchants as well as balance transfers. 

I have snail mailed you, as of XX/XX/XXXX, documents proving that your balance for this account is incorrect Because Discover failed to investigate the charges, I took it upon my hands as a researcher and it took me weeks but I was able to obtain written documents and verbal statements from all involved parties confirming the fraud on this account. Those documents were mailed to Discover weeks ago and they did confirm they were received but refused to reopen the case and simply said they would contact the credit agencies that I disputed their findings. This is unacceptable! 
Discover has not handled my disputes or fraud cases professionally and thus the balance remains off in your favor. Research on Discover, in general, shows that they have a history of doing this where clients get frustrated and give up. I have asked them on multiple occasions to remove those charges that are not mine, immediately. Please note that I have contacted all of the companies on the list that they denied were fraud and all of them confirmed it was fraud. So, Discover was not honest. I have noted this is the type of treatment they provided me not only in my credit card account but also in my bank account that I closed last year due to the same issues. My proof shows you did not investigate my disputes and fraud claims, seriously. I have also spoken to a XXXX lawyer who is providing advice. I am on full XXXX and am living on my XXXX  of {$1000.00} per month. The way they are treating me is discrimination against the XXXX on top of that they are causing me immense pain and suffering due to the stress from worrying about this. 
I will not be paying Discover anything until all fraudulent charges and legitimate disputes are removed. I am happy to document what I found but there are about 100 pages that I had to print out and mail to Discover. I am also happy to document my condition with my physician if that would help. I not only want to help with discover but I want to make sure this doesnt happen to other innocent people in the future. When your card is used fraudulently, it is very stressful and your credit card company is supposed to be there for you to support all of the false charges. This is their job. Discover failed, miserably. 


Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I L XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : FED LOAN SERVICING Balance {$6600.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$4700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$6500.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$4700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$7100.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3900.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$630.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$1300.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$5000.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3500.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$1200.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$4400.00} Reported : XXXX XXXX, 2021
Product: Money transfer, virtual currency, or money service

I am writing to express my concern and repot money that I have lost using Zelle. Just like recent CFPBs lawsuit against zelle, highlighting all the issues it has, I have experienced those issues myself. I have made transactions that did not go through and the recipient did not receive the money nor did I get it refunded. I have lost upwards to hundreds in lost funds. The company has made helping me very confusing and said there was nothing they could really do about it when I tried contacting.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 https : //service.transunion.com/ I successfully logged into my account but requesting a report is broken, again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete all the fraudulent inquiries. as listed below. 
XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX AUTO on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized account. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XX/XX/XXXX SSN- XXXX Email- XXXX Phone- XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Account that need to be removed XXXX XXXX XX/XX/XXXX {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian displays 3 delinquent accounts on my credit file that has been disputed/challenged a year and a half ago, ( XXXX ), ( XXXX ), ( XXXX XXXX ), those accounts have been listed like that on Experian for more than a year and a half, they have all been removed from the other 2 credit bureaus, ( XXXX  & XXXX ). Despite my several attempts to correct these issues with Experian, they never comply and, their action caused to be denied credit access. They failed to follow the FCRA requirements. They still as of today have the above mentioned account listed as " Item disputed by Consumer '' for more than a year and a half. The screen shots submitted were captured today Saturday XX/XX/2018.
Product: Mortgage

Rocket mortgage has mismanaged my escrow account and caused my taxes to become delinquent by shoddy management of paperwork ( incorrect parcel listed, triple taxes applied to escrow and zero resolution in an appropriate time. ). I no longer trust their management of my asset and believe their intent is Malicious. They have undervalued my property by XXXX and I believe it is their intent to cause financial harm. They are not a steward of the FHA program. As XXXX with Rocket mortgage has provided no resolution I pray you will assist as well as protect others going through a similar experience. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : Cease and Desist Communication and Unauthorized Use of Personal Information Dear Sir/Madam, I am writing to address the unauthorized use of my personal information by Credit Collection Services and to formally demand the immediate cessation of all communication unless you are contacting me to discuss payment as a remedy for the violations committed.

It has come to my attention that Credit Collection Services has been contacting me regarding a debt that I have no knowledge of or any affiliation with. I hereby declare that your organization is an unauthorized third party in possession of my personal information, and as such, any communication from your company is considered a violation of my rights.

I demand that Credit Collection Services immediately cease all communication with me, unless you are contacting me specifically to discuss payment as a remedy for the violations committed. Any further communication from your organization that does not adhere to this requirement will be considered a willful violation of my rights under applicable laws.

Furthermore, I insist that Credit Collection Services promptly remove any and all records, references, or mentions of my personal information from your databases and refrain from sharing or disclosing my information to any third parties without my explicit written consent.

Please consider this letter as a formal notice to cease and desist all communication unless contacting me to discuss payment as a remedy for the violations committed. Failure to comply with this request will result in further legal action to protect my rights and seek appropriate remedies for the unauthorized use of my personal information.

I expect your immediate attention to this matter and a confirmation in writing that all communication with me has ceased, except as outlined above. Any future communication from Credit Collection Services should be strictly limited to resolving this issue and must be in writing. 

Thank you for your prompt cooperation in this matter. 

Yours sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2021 XXXX-Date of Inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, AND TRANSUNION for failure to report information in compliance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards established by the Consumer Data Industry Association ( CDIA ). Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to provide accurate and complete information. However, the entity in question has reported inaccurate, incomplete, or unverifiable information on my credit report, violating these standards. Despite my dispute, the information remains unchanged, and the furnisher has failed to provide
proper verification. Under 15 U.S.C. 1681i ( a ), credit reporting agencies must investigate and correct errors within 30 days. This failure to comply directly impacts my creditworthiness and financial stability.
Product: Debt collection

Credit Systems, a 3rd party collection agency with whom I have no contract with, is reporting erroneously on my credit report an unknown collection that i have no idea what it was for.
Product: Debt collection

Was called not mailed a letter by collection agency about a XXXX debt. Sent letter of dispute as had set up payments with creditor XXXX for hospital bill. 
XXXX sent me a response saying they couldnt accept payments as it was part of a lawsuit and since my lawyer requested documents for an auto accident they couldnt talk to me. 
I explained the debt with the XXXX   was not related to the accident that I wanted to pay it off. I contacted sca and they told me it was sent back to XXXX and they didnt have an account in my name. I sent letter asking for validation of debt Never received validation. Never received any letter from XXXX saying debt was going to collections. 
I want this removed from all my credit reports ASAP and for XXXX to send me a validation letter and also sca to provide me with why they didnt send a validation letter and why they said they couldnt take payments since it was involved in a car accident when it was not. 
I made payments on the XXXX   account in XXXX before this all happened and was told once they received my payment they would reset the payments and start the billing over for me to get it paid off. Then I never heard back and got a call from sca. 

This is a violation of debt collection its a violation. Not validating the debt after request and its a violation of patient rights as my medical records were sent to a third party violating hippa I want this removed from my credit report ASAP.
Product: Debt collection

Called over the phone and made a payment with a LIVE representative and they continue to make collections calls even though they have debited the payment from my account!
Product: Credit card or prepaid card

Last year I had a brief financial hardship. I utilized the services of XXXX   XXXX  to consolidate my accounts so that I could continue to pay each account on time. However, I was not properly counseled on the negative impact to my credit due to them closing my accounts and tanking the average age of my credit. I was told there would be no impact to my credit. I only found out the accounts were closed after I paid them off and was under the impression they were suspended.