23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company, MRS BPO is attempting to collect {$300.00} from me for a supposed " communication in regards to existing business with XXXX '' The date was XX/XX/2024. I requested a Validation of Debt on XXXX, XXXX, XXXX, it's now XX/XX/2024 and they have

still not sent me a Validation of Debt. I asked them if they have exceeded the amount of time they have to provide me the requested documents, and they denied and said I was incorrect. Short Context : I did not have a XXXX account in my name as my apartment complex provides the internet for us. We don't have T.V. and therefore we don't use or have any need for XXXX  services. 

The debt is not mine, I have requested proof and I have the screenshots from their text messages as well as the original text message thread because I did not delete it. They have not provided proof for this debt that i'm certain is not mine. 

I grew up in poverty, XXXX  XXXX  who did not teach me financial literacy. I have worked hard to get my credit closer to the " good '' range so I can provide a better life for me and my family, and I feel extremely hard done by having this collection and derogatory mark on my credit when the debt is not even mine, and they can not even provide the proof in time. ( I still have not received it. ) My ideal resolution is to have this removed from my credit report by any means necessary - just tell me what I need to do please. My score got knocked by almost XXXX points when this happened, i'm still learning how to manage my score but this was absolutely devastating to me and my family. I hoped to purchase our first home next year and if this is still on my record I am certain that I can not do that anymore. 

I uploaded the VOD Request text messages Thank you for your time
Product: Debt collection

Weltman, Weinberg & Reis Co., LPA sent me a letter dated XX/XX/XXXX implying I owed them monies from a credit card my father had when he died. He died in XXXX of XXXX and I was in no way affiliated with said card or any of his financial matters. I am reaching out to you directly as I am disturbed by this letter and don't feel I should even have to waste a stamp on a response to them. This is a clear shakedown attempt and I find it unfair I'm required to even have to spend this time writing you. I am writing you however so something is documented that I least responded once as something tells me had I responded to them via letter I would only have started an ongoing situation thus wasting even more of my time. 
Thank you in advance for your service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no knowledge of this account. 


XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 


XXXX Date of inquiry : XX/XX/XXXX I did not authorize this account. 


XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX I have no knowledge of this account. 


XXXX  XXXX Account Number : XXXX Please investigate and remove it. 

XXXX XXXX Account Number : XXXX I did not authorize this account. 

XXXX Account Number : XXXX Please investigate and remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to correct one of my addresses. It had one of my addresses wrong five times. I notified it that none were correct. They did not fix it. Instead, they deleted my address altogether and closed my dispute. I was told over the that they would correct it and they didnt. I wrote a letter and they refused to fix it. I called again and gave them the correct address and they added three addresses that do not belong to me. They wont take my call. When I enter my social security number, Im told I have to submit another letter. Each time I applied for a loan, I am asked to provide my addresses and each time I am told that I have to give an explanation of all the wrong addresses or I am confronted about why I left one of those bad addresses out. I am made to feel like a liar. My XXXX XXXX dropped. My first request was made over 90 days ago. 

Experian Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022
Product: Credit card or prepaid card

On XX/XX/2022 my name, phone number and social security number were used to fill out a target red card credit card. I contacted Target and they informed me that my a different address and email from mine were used but couldn't inform me what was used due to security reasons. They did not process the card and will be putting in a request to take off the hard inquiry applied to my credit report due to fraud. So no money was taken from me or used on my credit by any means yet. Just a hard inquiry was added to my credit report.
Product: Debt collection

On XXXX XXXX, 2015 I received a letter from Midland Credit Management asking me to pay XXXX credit account at a reduce rate. The letter stated that it is on my credit report and if I pay the account in full they will report it on my credit as PAID IN FULL but if I pay less then they will report it on my credit as PAID IN FULL FOR LESS THAN THE FULL BALANCE.
Product: Vehicle loan or lease

Around XX/XX/XXXX I paid Hyundai motor finance through my bank.. it was taking too long to receive the check so I reached out XXXX and stated I will make a direct payment through another source and to not process the check. 

On 2 occasions they processed the check after they received the payment and charged me 2 {$50.00} insufficient funds fee When I saw my invoice i immediately reached out trying to get the fees waived and no one would help I was hung up on and refused when I asked for a supervisor.. 

Finally in XXXX I spoke to a supervisor that was extremely rude and refused to remove the fees even though he verified that he saw the notes. I told him I see the issue you see what Im asking and he still refused saying they refund a fee already paid, I stated Ive been trying to get the fees erased since they were applied and still got nowhere When I stated I would reach out to my attorney he proceeded to say do it Now they are holding my title and ruining my credit because they continue to report non payment When I lost my job I let them know and they said theres nothing they could do even though I could have deferred my payments 2 times a year and I hadnt in XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00}
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates decided to reinserted NON VALIDATED information back on my credit files, with all bureaus. They could not provide me with the proper VALIDATION of said debt. They could not provide me with a contract or promissory note with the ORIGINAL said debtor signature. They removed it back in XX/XX/XXXX and today I got notification that this negative information has been reinserted on all credit reports. 
I did NOT receive 5 days notice that they were going to reinserted this NON VALIDATED said debt, and that there is against the law. 
I have not heard from this company since XX/XX/XXXX of this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY IDENTITY TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian only let me get my legally required credit report by signing up for a paid account. Then there is NO way to actually cancel that account. Their " cancel '' is to get a free account that still has your credit card on file. This is at best dishonest practice, at worst fraudulent in not allowing customers to cancel an account and have credit card information deleted.
Product: Credit reporting or other personal consumer reports

Re : Feedback on Equifaxs Response to Complaint Complaint ID : XXXX Dear CFPB, I am writing to provide feedback regarding Equifaxs recent response to my complaint submitted through the CFPB portal ( Complaint ID : XXXX ). While I appreciate the attention given to my concerns, I remain dissatisfied with the resolution and accuracy of the information provided. 

Key Issues with Equifaxs Investigation : Inaccurate Charge-Off History : XXXX has updated some fields, but the charge-off date inconsistency persists. My credit report shows charge-offs from XX/XX/XXXX through every month in XXXX and XXXX, while the creditors response states that the account was charged off in XX/XX/XXXX. This discrepancy remains unresolved. 

Incorrect First Delinquency Date : XXXX reported that delinquency began in XX/XX/XXXX, yet my payment history reflects charge-offs starting in XX/XX/XXXX, causing confusion and inconsistency. 

Negative Available Credit : The balance and available credit reported are still incorrect. My credit limit was {$200.00}, but the negative available credit of - {$230.00} is a miscalculation that affects my credit report negatively. 

Incomplete Payment History : XXXX updated some payment fields, but there are still discrepancies with actual and scheduled payments. Specifically, scheduled and actual payment amounts remain incomplete for the reported months. 

Lack of Thorough Investigation : Despite providing detailed documentation and supporting evidence, XXXX investigation did not result in a resolution that reflects the correct history and status of the account. 

Requested Action : I respectfully request that XXXX further investigate and correct all inaccuracies reported on my credit report. Additionally, I urge the CFPB to ensure that XXXX complies fully with the Fair Credit Reporting Act ( FCRA ) in providing accurate and verified information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the following account on my credit report : Creditor : XXXX XXXX XXXX XXXX. This account has been inaccurately reported and must be removed immediately. I have notified XXXX XXXX XXXX multiple times that I have no financial obligation to the original creditor listed. Additionally, it has come to my attention that the original creditor from whom XXXX XXXX XXXX purchased the debt is not registered to operate in XXXX, and its authority to conduct business has been forfeited. This raises serious concerns regarding the validity and enforceability of the debt in question. Both XXXX and XXXX have removed this account from my credit report. I request that TransUnion follow suit to ensure the accuracy of my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), which entitles me to protection from the reporting of false or unverifiable information. Moreover, XXXX XXXX XXXX 's continued reporting and collection efforts are both harassing and deceptive. I would like to bring to your attention XXXX XXXX XXXX XXXX XXXX, in which the court ruled against a collection agency that failed to verify and accurately report information. This precedent supports my position that this account must be removed immediately. Please cease reporting this account on my credit report, as its presence is both unlawful and damaging to my credit standing. I am maintaining a complete record of all correspondence related to this matter. If this issue is not resolved promptly, I am prepared to escalate my complaint and consider additional legal action.
Product: Credit card or prepaid card

Got a scam letter from Comenity Bank saying I applied for a ALL Rewards Mastercard, which I did not do. And goes on to say they need my SSN, date of birth etc.
Product: Credit reporting or other personal consumer reports

In accordance to 15 U.S.C 6802 ( b ) I requested proof of documentation that the collection agency was suppose to send to me prior to reporting my information to the credit reporting agencies, giving me the consumer an option to Opt Out of my personal information being shared to third party entities. 

Furthermore, since the account is inaccurate if the item is not removed I will be seeking monetary compensation for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been well over 45 days since my letter was sent on XXXX, I recently disputed fraudulent identity theft accounts on my report and XXXX, XXXX and experian failed to respond to my dispute or remove any of the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that post on a credit report. In my letter I asked to see a contract with my signature as proof and 45 days later they have not sent any proof. XXXX, XXXX and experian are violating my rights also, under 15 U.S Code 1681b. they failed TO RESPOND that is in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 
According to 15 U.S. Code 1681n - Civil liability for willful noncompliance
Product: Debt collection

Originally contacted on XXXX/XXXX/16 from a man claiming to be XXXX XXXX from PRA Recovery. He said I owe a debt to XXXX XXXX XXXX in the amout of {$2100.00}. He said if I do not pay this debt with in 10 days he will have no choice but to take legal action against me. He said that he will attach my bank accounts and my pay. He also stated that I would have to pay all legal fees. This company has to date sent me any kind of written notification except in an email. I asked for them to send me verification in writing that this is in fact my debt. I have not received anything. On XXXX/XXXX/16 I again received a phone call and an email from this company.
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. XXXX, XXXX, Experian. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1700.00} XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1700.00XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1300.00} sc golf Date Opened XX/XX/XXXX Balance {$1300.00} XXXX & XXXX XXXX {$100.00} date Opened XX/XX/XXXX ic system date opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$240.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$370.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$660.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX 2023
Product: Payday loan, title loan, or personal loan

On X/XX/2017, I checked my account balance and it said that I actually owed more than I borrowed! At this point I had made two ( 2 ) payments of {$110.00} ; one on X/XX/2017 and another on X/XX/2017. When I called and inquired as to why this was, I got some long-winded excuse as to why the balance was so high ; something about accumulating interest. I expressed how violated I felt and how I felt like I was being taken advantage of and ended the conversation. Remarkably, since that conversation, the balance shows less than what I owe, but the majority of the payments I am making, at least 95 % of them, is going to interest and not principal. To date I have made 5 payments totaling {$590.00}. My balance according to Spotloan.com is {$510.00}. So out of the {$590.00} I have paid thus far, only {$81.00} has gone towards the principal. I have screenshots of the balance that showed on X/XX/2017, and subsequent balances on screenshots since. On X/X/2017 I have a screenshot that shows a balance of {$540.00}. 4 days later on X/X/2017, I have a screenshot showing a balance of {$560.00}! How did it increase in 4 days???? It 's just so ridiculous.
Product: Credit reporting or other personal consumer reports

I submitted a letter faulting XXXX XXXX and Experian ( 1 ) Breach of Privacy or ( 2 ) Lack of Investigation The following letter was submitted with companies ( a ) failing to remove faulty or old addresses b ) hard inquiries that the same card was applied for 2-3 days in a row ( c ) Consistently failing to address XXXX XXXX reporting every month for 9 months when I had been receiving letters from a to the company they sold a debt to as well as them informing by letter they sold this debt. ***The following letter and proof were submitted with proof and no changes 3 months ago. that Under privacy law codes, such as the Fair Credit Reporting Act ( FCRA ) in the United States, credit bureaus are required to ensure the accuracy, transparency, and confidentiality of consumer credit information. These laws protect individuals from unauthorized sharing or misuse of their personal financial data, recognizing that inaccurate or improperly managed credit reports can have severe consequences, including denied access to housing, employment, or loans. Credit bureaus must provide clear and accurate credit reports to consumers upon request and allow disputes to correct errors. Failure to maintain clarity and adherence to privacy law codes undermines consumer trust and violates legal obligations, emphasizing the critical need for transparency and accountability in managing sensitive financial information.
Product: Mortgage

Lakeview LoanCare servicing had a system outage for over a week. Called XX/XX/XXXX to change date of loan payment, customer service line down as well as online system. Daily calls and attempts to login online were made for 10 days. Systems continued to be down with no formal letter or email regarding the outage to all loan holders. Now that the system is up I am still having complications logging into my account, have called Custer service today XX/XX/XXXX during business hours twice and have gotten nothing. Message states if you have called during normal business hours we apologize for the inconvenience. This is unprofessional and unacceptable given the nature of paying your mortgage or needing to address technical issues with their service.
Product: Student loan

XXXX told me if I take out a private loan it wouldn't effect my federal aid which it did afterwards. Now XXXX XXXX XXXX, the private loan, is not honoring 6 month grace period and they cut me short on any other grace or deferments. They said requested deferment to be short but I never did. XXXX told me this wouldn't effect my federal aid and now I am stuck with private loan then have federal money. I have contacted XXXX XXXX XXXX to talk to them and they won't honor the full grace after I graduated. They wouldn't honor full deferment and I am not happy with XXXX. From what I gathered from XXXX these companies work with students not prey on students. There should be some kind of reformation on this. I've been paying this even though I lost my job and was in a car accident.
Product: Credit reporting or other personal consumer reports

I dont have any balance with this company on my credit reporting as Professional Credit Services . Its reporting as a collection from XXXX.