23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX - XXXX I acquired a medical credit card to have some medical procedures done. With a debt of about 5,000. I was later unable to pay back the debt after a year or so from opening the account. Since I was unable to pay due to lack of work and as time had moved on, I had not heard from this company in almost twenty years ( 20 years ). 

This past week on XX/XX/XXXX, I received a " Notice of Garnishment '' from my employer stating a company, Midland Funding LLC based in XXXX XXXX CA was taking action to garnish my wages to a total of {$9000.00}. I was surprised and very concerned as I had never worked with, spoken to or ever had any agreement with Midland Funding so I was not sure why and how this garnishment came to be. 

The debt they are collecting is twenty ( 20 ) years old and I have never spoken to this company or agreed to pay them anything. I am very concerned as to how they received this judgement without notifying me ( service of complaint ) giving me the opportunity to defend my rights in court. In addition, they filed this complaint in Small Claims located in XXXX CA which is 40 miles away from my work and home. 

My complaint is how this company managed to obtain a judgment without my knowledge, Midland Funding has never provided any proof of my debt from original company therefore I do not every know why they are collecting on a debt I do not owe them as I have never done any business, nor spoken to anyone or agreed to pay any funds to Midland Funding. 

This debt is twenty years old and has exceeded the Statute of limitation so I want to know how this is legal as I have not been given any opportunities to defend my right s as a consumer and know this company has violated many codes of conduct and collection practices and laws. Midland Funding has obtained this order under false pretenses, unlawful conduct and practices and should not be able to conduct business in this matter. Since the prescribed time permitted by law has passed this should have never been filed in court as per the rules set forth by our legislative body. In addition, this was filed in small claims court but yet Midland is being represented by multiple attorneys. You can not file in small claims with representation as it leaves the defense to a disadvantage as the defendant would not have an attorney present due to the small claims rules of " no attorneys ''. Also, no claimant ( natural person or legal entity ) may file more than two small claims court actions for more than {$2500.00} anywhere in the state during any calendar year which Midland funding has therefore is violating California rules of court ( Small Claims ).
Product: Debt collection

I received a call at my place of employment. They tried to scare me when they first called stating, or good, is this ( he proceeded to say my name )? I need your human resources department if you do n't have 10 minutes for me to transfer you to our legal department. I asked who he was and what legal department. He raised his voice and said I already told you who it was, DFC Legal Services. I asked who that was and who the supposed debt was too. He proceeded to talk over me and told me he hopes I was aware that our call was being recorded, and I said good. I asked again who this debt was supposedly to and he said he could n't tell me but I needed to call XXXX ext XXXX. I proceeded to tell him NEVER to call me at my place of employment again or I would be fired.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This car was returned to Consumer Portfolio services and they have sold this car but they continue to report it on my credit. They picked this car up over 8 years ago and but they still say that I owe them. They say that I owe them over {$9000.00}, which is very untrue. This should be removed from my credit report asap.
Product: Checking or savings account

I received several emails from Santandar that i opened 2 accounts with them.. I never opened any accounts and also I called them to let them know and they said they would call me back but never called me
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I put in a dispute with Transunion for 2 items on my credit report about a bankruptcy that was reported of my files I called the bankruptcy court and they did a investigation and found there was no files of a bankruptcy at all so I sent the letter I got from the court to have this removed form my reports Transunion is telling me that it was verified but they refuse to give me the information from where they are receiving there information that tells them that with the letter they received from me from the court the issue should be removed at once due to there is no files on this at the court at all so i m am putting in a complaint to have this removed from my Transunion report due to what is stated in the court letter there are no files of a bankruptcy and want it removed they are also stating that a XXXX  XXXX bank card XXXX is verified as well but they refuse to give me the information from where they are receiving there information that tells them this as well so I would like this removed as well do to it looks like a big error and there is no records of any such account on any other reports from any credit bureaus thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a lot of incorrect information in my Lexis Nexis credit reports stemming from an identity theft issue. On XX/XX/XXXX I mailed a dispute letter to Lexis Nexis but have not received a reply so on XX/XX/XXXX I accessed my new Lexis Nexis report and none of the issues had been resolved. Please have Lexis Nexis DELETE the following issues ; INSURANCE POLICY RECORDS : XXXX XXXX XXXX ( XXXX number : XXXX ). This was a policy opened for XXXX vehicles, VIN number : XXXX, VIN number : XXXX, VIN number : XXXX, VIN number : XXXX, and VIN number : XXXX. This policy was not opened by me and I have no idea who the additional insured person by the name of XXXX XXXX XXXX is. This is fraudulent, please remove this entire policy and XXXX connected vehicles from my report. 

INSURANCE POLICY RECORDS : XXXX XXXX XXXX XXXX number : XXXX ). This was a policy I opened for 1 vehicles but, 3 additional vehicles were added to my policy without my authorization. Here is a list of the fraudulent vehicles. VIN number : XXXX, VIN number : XXXX, and VIN number : XXXX. This policy was opened by me but, I have no idea who the 3 added vehicles were or who the following additional insured people by the names of XXXX XXXX and XXXX XXXX are. This is fraudulent information, please remove the XXXX vehicles I listed and 2 additional people on this policy from my report.

AUTOMOBILE INSURANCE CLAIM RECORDS : Please remove both of these claims ( number XXXX and number XXXX ), I am not aware of any claims and in XXXX, these are fraudulent since I never filed any claims in XXXX and should be removed from my report. 

INQUIRY RECORDS : There are XXXX inquiries from XXXX XXXX in XXXX, I never submitted any applications to XXXX XXXX in XXXX, please remove these fraudulent inquiries. 

INCORRECT NAME : XXXX XXXX INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INCORRECT EMAIL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to express my extreme frustration and concern regarding the presence of fraudulent accounts on my credit report under your bureau. It has come to my attention that despite being aware of the fraudulent nature of these accounts, they persist on your records, tarnishing my financial integrity and causing undue distress. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are not only inaccurate but also a blatant violation of my financial security. I find it both bewildering and infuriating that your bureau has not taken immediate and aggressive action to rectify this egregious error, especially when other credit bureaus have already acknowledged and removed these fraudulent entries. 

XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand, without further delay, the immediate and aggressive deletion of these fraudulent accounts from my credit report. This is not a mere request ; it is a demand for the protection of my financial reputation and well-being. 

I am appalled by the lack of urgency displayed by your organization in addressing such a serious matter. The persistence of these fraudulent accounts reflects not only on your bureau 's incompetence but also on a blatant disregard for consumer rights and the potential long-term consequences for my financial standing. 

I have attached supporting documentation, including evidence of the fraudulent nature of these accounts, for your immediate review. I expect a thorough and swift investigation, leading to the removal of these fraudulent entries from my credit report. 

I demand a comprehensive written response within 15 business days outlining the actions your bureau will take to rectify this situation. Failure to comply with this demand will leave me with no choice but to escalate this matter through legal channels and file formal complaints with the appropriate regulatory bodies. 
The severity of this situation can not be overstated, and I trust that you will treat it with the urgency and seriousness it demands.
Product: Mortgage

On XX/XX/2022, I filed an application for a VA refinance with Rocket Mortgage and a credit report was instantly pulled around noon the same day. The lender began to subject my loan to seasoning requirements not allowed for my loan product. I resisted and notified the lender I would comply with the requests to prove seasoning of 6 payments, but I would file a complaint. As soon as I notified the lender of my intention to file a complaint, I was not provided an opportunity to prove I met seasoning requirements or a loan estimate within or after 72 hours of the application. The application was closed abruptly upon notice I would be complaining to the CFPB # XXXX because I had made a subsequent application with a broker affiliated with rocket mortgage. The problem is I only exercised my right to shop other lenders when the Rocket Mortgage insisted on applying different criteria that did not apply to my loan product. I had no way to reasonably be aware that the new lender had an agreement with rocket mortgage to impact my ability to shop around. At minimum, I should have been provided an opportunity to choose which loan officer I wanted to work with moving forward. I unequivocally noted I was willing to continue to work with Rocket Mortgage directly however it appears Rocket Mortgage held disdain because I exercised my rights to file a complaint over their application practices. Because of an escrow miscalculation not resolved until XX/XX/2022, XXXX continued to provide credit suppression protection until XX/XX/2022 despite timely payments meeting seasoning that does not apply to the VA loan product..
Product: Debt collection

I switched from XXXX to XXXX on XXXX/XXXX/2016, whom has been slowly refunding me the money I owe XXXX for the device 's agreements, and I have been consistently paying XXXX on a biweekly or monthly basis without fault. Today, XXXX/XXXX/2016 I received a call from a collection agency explaining XXXX sent my account to collection when I have not recevied any notices that my account will be send to collection in the owed balance is not paid in full. I have only received statements of the balance and the last one I received states I have until XX/XX/2016 to pay my bill. I have spoke to XXXX and they claim at first that my account was never sent to collection and refused to speak to the agency that called me via a conference call in order to resolve this matter. I spoke to XXXX XXXX XXXX and supervisor XXXX XXXX who both informed that they can not give me their employee IDs and they both refused to speak to the individual from the collection agency that was calling me because they both assured me my account was not in collection, even though the account number that the collection agency gave me had a match in their system during our call. Since terminating my services with XXXX XX/XX/XXXX, my balance at that time was {$2200.00} and today is {$740.00}, which means that I have consistently made payments since cancelling my services and have not had any delinquency on my account. In fact, I have made 7 payments of varying amounts in order to bring this balance down and I truly find it unfair and unethical that XXXX sent my account to a collection agency when I have not stopped making payments. Worst of all is that they never sent me a final notice letter informing me of collection services in order to give me the option to resolve this matter. According to the Fair Debt Collection Practices Act, I should have received that letter and in fact I never have. Instead I have received statements allowing me to continue to make partial payments.I believe this violates consumer acts and XXXX should be reprimanded for such behavior.
Product: Mortgage

I have been affected by Covid Hardship, I have been trying to apply and submit Mortgage Assistance pack forms for many months and have been given a run around, I have been told to send and resend the Mortgage Assistance forms in many different times. I have been asked to withdraw the Application, so they can look at Covid options ( that they can't look at it I have a Application being reviewd ), then they say their are no option available, and I should resend in a new Morgage Assistance pack.

I have been told that, I was told that would not be sent to Foreclosure because they are and while they are reviewing my Application.

I was sent to Foreclosure, they lied to me.

Every time I call they tell me they need different information, I have called two different representative 's 5 min apart and they tell me total different things about my account. 
I have been lied to and miss directicted many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Couple issues : Major being to take or place a credit freeze on account. Not being able to correct anything except by paper and my information for questions is incorrect in Equifax system. 
I placed a freeze and then tried to remove freeze with questions and it locked it. The only way to unlock is by mail, paper. Which is this day is not timely when you are looking for places to live. Placed on hold for over an hour to talk to someone is not acceptable use of time. The information for the questions was also incorrect. 
I personally know there are other people with my name and travel with a letter from the government because of this. I am worried they are getting in formation confused. 
Other issue is the information is not up to date and the scoring is different from other companies. Why is this? 
I would like timely answers to questions and pick up of calls to be quicker. This is affecting peoples lives because they use this company that was breached not long ago. I do not feel comfortable having them responsible for credit if they are unable to answer questions timely and provide accurate information. Makes me question the credit system.
Product: Credit reporting or other personal consumer reports

In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. Inquiries that I have not authorized also have affected my credit standing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I want this KIKOFF LEND deleted from my account Reported on XXXX XXXX and on XX/XX/year> I have Credit inquiries on my report that I don't recognize, and shared without consent, I have credit inquiries from unknown sources that I do not know about and did not authorize.
Product: Debt collection

Midwest Recovery Systems have placed a collection on my credit report for a payday loan I have never applied or received. I have made many attempts to contact the company, but all I can never get a person on the phone. I have disputed this account with the credit bureaus, requesting validation of the debt and that too goes nowhere. The bureaus say that the account is mine, but I have yet to receive validation of this account. Never have I had a payday loan with XXXX or any other company. This account is not mine and Midwest Recovery Systems can not validate this account as being mine. They wont remove this from my credit. This account is fraudulent and the company appears to be fraudulent as well.
Product: Credit reporting or other personal consumer reports

In XX/XX/2022, I selected to setup Autopay for minimum payment. XXXX Bank system configurations disregarded my selection and replaced it with pay statement balance. In XX/XX/2022, the electronic payment was executed, and funds were taken from my account. Not only were funds deducted from my bank account, derogatory information was reported to all three credit bureaus. 

I contacted XXXX to correct the error. Synchrony processes would not correct the matter immediately ; therefore, I requested a stop payment against the electronic payment. Later, XXXX sent a check which made things more complicated. After this transaction, statements showed my balance to be {$11000.00}. In addition, credit reports reflected that I exceeded my credit limit of $ XXXX, which resulted in my credit score dropping drastically. 

Still today, they are reporting the incorrect high credit balance on all three credit reports.
Product: Checking or savings account

I had a Wells Fargo account for many years. In 2013 I was in XXXX XXXX. for a court date .Court was out after the bank closed. It wouldnt take my deposit. I called the bank and they wouldnt give me a reason, the male person who was rude said I must go in bank. Tried to explain that my son in law who was a XXXX XXXX was XXXX  and I had to be in court, and was unable to make it. I didnt want to be overdrawn and I explained, I would be. He said he couldnt help me. I was in court for 2 weeks. When I got home I was overdrawn with lots of charges. I tried to explain to the bank in XXXX XXXX I was told they couldnt help me my account was flagged. I also had a life insurance policy I had paid on for years with the bank, I lost that also. I never understood what happened nor did they give me an explanation. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit agency, improperly investigated my two Dispute. Both were from apartment complexs. That I could have not been living in at the same time. They didn't show me any documents stating I was in default with them both
Product: Credit reporting or other personal consumer reports

I am writing to file an urgent complaint regarding fraudulent items that have appeared on my credit file. It has come to my attention that there are inaccuracies in my credit report resulting from fraudulent activities, and I am requesting an immediate and thorough investigation into these matters. 
I understand the gravity of identity theft and the potential harm it can cause to my financial well-being. Therefore, I request that you prioritize the investigation of these fraudulent items and take swift action to remove them from my credit report. 

Enclosed with this letter, please find supporting documentation related to the fraudulent activities, including any police reports, identity theft, or other relevant evidence. I have also taken the liberty of marking the specific items in question on the copies of my credit report that I am providing for your reference. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct an immediate and thorough investigation into these matters. I expect the results of this investigation to be provided to me within the legally mandated timeframe. Additionally, I request that you notify all relevant creditors and parties involved of the fraudulent nature of these items and ensure that they are promptly removed from my credit report. 

Given the urgency of this matter, I kindly request that you expedite the resolution process and keep me informed of the progress throughout. I can be reached at the provided phone number or email address for any further clarification or information you may require. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX  XXXX Balance : {$1800.00} XXXX XXXXXX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan account with XXXX is reported as sold to XXXX XXXX aka XXXX XXXX XXXX, a separate complaint was made against XXXX. The terms of XXXX loan were not disclosed at time of approval, terms such as interest rate which is in question as it does not appear XXXX took into account credit score when calculating rate. Numerous negative reviews on consumer review sites such as XXXX reveal XXXX charges the same high interest rate to everyone whom is approved, regardless of credit score. This high rate was not disclosed and XXXX has not shown any proof to date that it was, payments ceased in 2015 after I learned of rate. A credit report shows the loan as sold to XXXX XXXX, the parent company by the name of XXXX  replied to complaint which I copied below, their rep states record does not show any account with XXXX XXXX. There appears to be an error here which needs to be corrected, if not, remove account from credit file. 

XXXX response : We are unable to locate a XXXX account for XXXX XXXX. Please provide a copy of the original complaint, as well as any information ( account number or social security number ) that would help us to locate the account and address your concerns.