23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed notarized FTC affidavit and a notarized FTC report to XXXX XXXX XXXX!! they keep reporting this fraudulent account to Equifax but have removed from experian and XXXX!! They keep sending 50 million questionnaires to me and wont STOP! They Wont stop reporting this fraudulent account! I will be taking this to small claims and suing for damages!! Do you honestly think Im gon na hand my personal information to you in this questionnaire?? NO! I have mailed certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018! XX/XX/2018 is waiting for them to pick up!
Product: Debt collection

I am filing this complaint regarding a debt reported on my credit report by Midland Credit Management. The debt, which originated with XXXXXXXX XXXX, has been placed in collections, and I have made multiple attempts to verify the accuracy and legitimacy of this debt. Despite my formal requests to the debt collection agency, they have failed to provide sufficient documentation or evidence to support their claim, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Specific Issues Include : Failure to Provide Documentation of Authorization or Agreement I have requested documentation proving my authorization for this debt, such as a signed agreement or contract, but the collection agency has not supplied this information. 
Lack of Proof of Ownership or Right to Collect I requested proof that Midland Credit Management has the legal right to collect this debt, including the agreement or assignment from the original creditor ( XXXXXXXX XXXX ), but no such evidence has been provided. 
Failure to Validate Key Account Information Despite my requests, the collection agency has not provided critical details, such as : The date of first delinquency. 
The date of last payment. 
The date the account was charged off by the original creditor. 
Potential Inaccurate Reporting to Credit Bureaus Without adequate validation, I am concerned that the debt may have been reported inaccurately to the credit bureaus, negatively affecting my credit score and financial standing. 
Requested Resolution : I am requesting that the CFPB investigate this matter to ensure Midland Credit Management complies with federal debt collection and reporting laws. 
I ask that the collection agency be required to provide all requested documentation proving the validity of this debt, their right to collect it, and its accurate reporting. 
If they can not provide such evidence, I request that the debt be removed from my credit report and that all collection activity be ceased immediately. 
Thank you for your attention to this matter. I look forward to the resolution of this issue in accordance with my consumer rights.
Product: Payday loan, title loan, or personal loan

There is a XXXX XXXX account number XXXXon my credit report that is still showing on my report that should not be there. It has been over 7 years and they should be dropped off my credit report.
Product: Credit reporting

I looked over my credit report and I found errors. I sent a dispute letter asking them to investigate the errors along with a photo copy of my California Drivers License. They sent me a letter requesting a copy of my Social Security Card and many other documents.
Product: Mortgage

Regarding Flagstar Mortgage Received escrow statement dated XX/XX/XXXX claiming a shortage of {$5500.00}, resulting in payment increasing by {$800.00} per month to {$2900.00}, equating to an increase of 38 %!! 

Upon contacting the bank, I was informed that my monthly escrow payments were reduced in error in XXXX due to a system error. Thus, due to a significant control breakdown in their processes that 1 ) would allow an error of this magnitude to occur and 2 ) additional controls were not in place to allow them to catch and remedy the error that would have saved me from being in having to repay a significant shortfall. 

I further confirmed that they only run their process once eah year, thus escrow shortages would not be identified for many months, allowing the amount to build unbeknownst to the customer. 

The fact that this is a complete system /process and control breakdown leads me to believe that their is an serious issue within their escrow division affecting countless others.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a button to Check Rates of companies to see where your rate is on a competitive basis. I just received an email telling me that by clicking on that button I applied for a loan which I never did. When I replied that I never applied for a loan it was returned to me saying that the email I replied to can only send messages not receive them. This is a total scam without my consent. Please investigate! Thank you, XXXX XXXX
Product: Checking or savings account

On two separate calls, I was misinformed about account closure and debt resolution procedures. Then, I had a payment of {$190.00} processed to resolve a debt written off prior, despite explicitly not giving permission when asked over the phone. When I was informed of this transaction, I requested that it be reversed, but was told it was final. When I asked for transcripts of the calls so I could have evidence of the unauthorized payment, I was told I could only get them with a subpoena. I was told that the case was being escalated, but I was not given any reference number, I was told no one would get in touch with me and I'd have to call them back at some vague point in the future to find out what was happening with my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX/XXXX/2020 I have called XXXX, EXPERIAN AND XXXX  SEVERAL TIMES AND REQUESTED THAT ALL FRAUD ALERTS BE REMOVED AND ALSO TO UPDATE MY PERSONAL INFORMATION MY DATE OF BIRTH IS INCORRECT ON MY CREDIT PROFILE
Product: Debt collection

I ran my credit report and was surprised to see a wrongful collection opened for my account that left a derogatory mark on my account. 

The original creditor is XXXX XXXX XXXX XXXX XXXXs and the Debt Collection Agency is National Credit Systems.

I have NEVER been notified/contacted of an outstanding debt or balance from either company, nor was I ever under the impression that I had an outstanding balance owed to the company. I never was a resident at the XXXX XXXX XXXX XXXX Apts, never signed a leasing agreement and never occupied a unit there. I never received an outstanding bill. 

Again, this derogatory mark on my credit report was a suprise, as I never received communication from anyone regarding this attempt to collect any outstanding balance. The collection was reported to the credit bureau without my knowledge and I was not aware of any amount of balance owed. This is a wrongful collection and violates the FCRA and FDCPA
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of late payment entries on my credit report, which I believe are in violation of 15 U.S.C. 1681a ( d ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ). Specifically, I am concerned that these entries might fall under the exclusion outlined in the statute and should not be included in my credit report. 

1. Account Information : Account Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Late Payment Entries : [ any/ all ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS POSTING NEGATIVE AND LATE PAYMENTS ON AN ACCOUN T THAT IS CURRENTLY IN LITIGATION DUE TO THE FACT THAT WE HAVE BEEN DEFRAUDED. WE PURCHASED A TRUCK AND WARRANTY FROM XXXX XXXX XXXX AND IT WAS FUNDED BY XXXX XXXX XXXX THE WARRANTY COMPANY REFUSES TO COVER SERVICES THAT ARE UNDER THE CONTRACT THAT THE DEALERSHIP SOLD US. THE BANK CONTINUES TO REPORT LATE CHARGES ON ADD ON SERVICES WE NEVER RECEIVED.
Product: Debt collection

Midland Funding ( represented by XXXX & XXXX ) sued me at an old address in the wrong XXXX and was ultimately successful in obtaining a default judgment against me in 2011. 

Fast forward to the present, I finally learned of the DJ this year when I received notice of wage execution. I requested copies of the original court record and found the service was effectuated at the wrong address and there was no account level documentation in the file. There were multiple balances listed so I ca n't be sure what they are alleging I owe. 

Midland and XXXX 's " Source of Address '' was the address on file. I had changed my address with Motor Vehicle, my bank, my children 's school and my cell phone carrier. They did not do their due diligence to locate me because it was in their best interest if I did not respond. 

In addition, there was an " Affidavit '' included in the case file which bears a strong resemblance to the the described fraudulent robo-signed documents that both Midland and XXXX were reprimanded for in their respective CFPB Consent Orders. There is no record of Midland ever having attempted to contact me prior to filing the complaint, I am not sure if a Dispute Affidavit exists or if my account was affected, since everything was sent to an incorrect address. 

Midland Funding has been ordered by the CFPB Consent Order to " Cease post-judgment enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits '' ; and to " Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable ''. 

Midland is in violation of the CFPB Consent Order and FDCPA Federal law. Serving me at the wrong address in the wrong XXXX is sewer service and should not be tolerated. Is there a standard of due diligence that must be enforced? 

I have filed a Motion to Vacate the Default Judgement and to compel Discovery. At that time, if Midland chooses to continue to pursue the case using these fraudulent tactics I will counter-sue with the full weight of any consumer rights attorney I can find.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX, and XXXX XXXX XXXX Account Number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

XXXX XXXX fraudulently increased the interest rate of the original lock confirmation 5.385 % provided by my loan agent, XXXX XXXX, XXXX XXXX XXXX to 5.76 %. They did this close to my closing date and refused to lower my interest rate. 

Following is the lock confirmation my loan agent, XXXX XXXX XXXX XXXX XXXX  confirmed on XX/XX/XXXX : ( Unable to upload necessary documents onto your platform, tried multiple times. I just uploaded documents in the upload section, please review. ) Talk to my loan agent from XXXX XXXX. My loan agent is XXXX XXXX, he can be helpful in identifying the issues. His phone number is ( XXXX ) XXXX. The address of XXXX XXXX is : XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( office number XXXX ) Through email communication with my loan agent from XXXX XXXX. I came to know XXXX XXXX, the contact person handling my loan at XXXX XXXX. She is one of the persons at XXXX which my agent, XXXX XXXX, communicated with in addition to the investor also at XXXX. XXXX XXXX email is XXXX in correspondence. Her address is Recovco XXXX XXXX XXXX XXXX d/b/a XXXX XXXX  XXXX XXXX XXXX, XXXX TX XXXX, phone number is XXXX and XXXX. My loan agent is XXXX XXXX, he can be helpful in identifying the issues. His phone number is ( XXXX ) XXXX. 

XXXX XXXX is the assistant to XXXX XXXX, Vice President - XXXX XXXX. 

The name and address of the mortgage company is as follows : Recovco XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX They were contacted by my loan agent several times to decrease my interest rate from 5.76 % to match the lock confirmation interest rate of 5.385 % prior to the date of my close, I closed on my condo XX/XX/XXXX, but XXXX refused and did not decrease my interest rate. Even until now, they have taken no action. This the reason for the filing of my complaint. They have taken advantage of me through fraudulent predatory lending practices, and I want justice. 

I want have all my mortgage debt with XXXX brought to a {$0.00} balance actually. Because their actions are so egregious. This is the same type of fraudulently practices that led to the previous financial crisis of XX/XX/XXXX-XX/XX/XXXX. Thank you for help me in this matter.
Product: Credit card

I have been with Synchrony Bank since XXXX of XXXX. I utilize their Care Credit card. Despite having never missed a payment, or exceeding my limits, every time I get the balance paid down below 50 % utilization, aiming to get it lower, they lower my limit to my balance to reflect 100 % utilization, then increase the interest after the 100 % utilization hits my credit for XXXX points each time. They have done this twice, and I am told plainly " oh well, there is nothing we can do ''. They attach " disclosures '' in your statements area which do not exist. You can not view them. They add additional " security charges '' routinely, and have overall unfavorable and deceptive practices meant to harm consumers directly. They have done the same to my husband, going to far as to close an entire account hitting him for over XXXX points, which was below 30 % utilization with a perfect payment history as well ( Lowe 's ), they are also doing his Care Credit the same way as mine. This is a routine issue with them according to countless consumer complaints on XXXX, XXXX, FTC, XXXX, etc. Something needs to be done, as they are deliberately damaging their consumers credit in a blatant attempt to raise the interest rates, which they have also done based on my " new credit ''. I build my score up to the XXXX area, and that is when they strike, knocking it down enough to increase my interest rates again. This has to be illegal. I have all of my corresponding statements showing that I have never been past due, and reflecting the trend described above. 


I have spoken with an attorney who advised me to file complaints accordingly, and set me up with a reporter from XXXX XXXX whom is covering a story on countless violations similar in nature from Synchony Bank alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

when i want the website in company soft pull in prequalify end up with hard inquiry on my credit file XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Erroneous, damaging information was not removed from my credit file. XXXX, Transunion, XXXX  did not verify information within the prescribed 30 days. Have not removed erroneous accounts from credit file.
Product: Credit reporting

I contacted Equifax in regards to inquires on my credit report that I did not authorize. I was told that they are factual & to contact the company.because the company verified them. I contacted all of the companies and they do not have any form of authorization from me that gave them permission to make an inquiry into my credit & they have not verified this information to Equifax. I sent another letter to Equifax making them aware of this & they still continue to report false unverified information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and validity of an account reported on my credit report by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to be free from misleading or unauthorized debt collection practices. Below are the specific issues : XXXX. Improper Reporting of Disputed Status : The report states, Account information disputed by consumer, meets FCRA requirements. If you did not agree to this dispute resolution or if the dispute was not properly investigated, this statement might be misleading. 
XXXX. Unauthorized Transfer or Assignment of Debt : If you did not agree to any payments or the transfer of this account to a third party ( XXXXXXXX XXXX ), it could be a violation of consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Potential Obsolete Information : The accounts Date Opened is listed as XX/XX/XXXX, with the Last Reported date as XX/XX/XXXX. If the original delinquency occurred in XXXX, this account may soon exceed the seven-year reporting limit for negative items under the FCRA. 
XXXX. Lack of Supporting Payment History : The report does not provide a detailed payment history or verification of how the debt reached Collection/Chargeoff status. This lack of transparency raises concerns about the accuracy and verifiability of the report. 
XXXX. Incorrect Reporting of Collection Activity : If XXXXXXXX XXXX is reporting this account as Collection/Chargeoff without proper documentation or consent, this could constitute a violation of the FCRA and FDCPA. 

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : XXXX. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure the information they report is accurate and verifiable. Inconsistent and unclear reporting violates this standard. 
XXXX. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported for more than seven years from the date of the first delinquency. 
XXXX. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed this account and it remains unresolved or improperly updated, this indicates a failure to conduct a proper investigation. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX ) may be reporting incorrect or unverifiable information. 
XXXX. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : If XXXX XXXX reported this debt without your consent or misrepresented its authority to collect, this could violate FDCPA provisions.