23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX regarding a utility bill with XXXX XXXX, Account Number XXXX ( with XXXX XXXX on credit report ) for the amount of {$910.00}. Per their recommendation, I filed a Credit Theft Report with FTC on XX/XX/XXXX. I reviewed my credit report and found that XXXX XXXX no longer has this account in my name but now XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX now has this account. I did not make this bill and I did not authorize the bill and am requesting the new company remove this information from my credit report. END OF STATEMENT XX/XX/XXXX, SIGNED // XXXX XXXX XXXX
Product: Debt collection

XX/XX/2024 I received correspondence from XXXX XXXX XXXX  which indicates my credit card account has a balance of {$0.00} and that they would be updating this information with the credit bureaus. 

XX/XX/2024 I got a letter in the mail from Midland Credit Management , Inc. titled PRE-LEGAL NOTIFICATION where they are harassing me with an attorney and intent to sue. Their correspondence says theres a balance from XXXX XXXX XXXX  for {$5100.00}. EVIDENCE # XXXX OF FRAUD ; the debt doesnt exist. 

The back of this letter also says The sole owner of this debt is Midland Credit Management , Inc . I am not listed as the owner of the debt. Under 11 USC 101 ( definition 8 ) consumer debt is incurred by an individual primarily for personal, family or household purpose. The credit card account I previously had with XXXX XXXX XXXX  was a consumer credit card account. How can Midland Credit Management XXXX be an owner of a consumer credit card debt if they can not be a consumer? EVIDENCE # 2 OF FRAUD ; if there is a debt that exists, it would be between the companies XXXX XXXX XXXX  and MIDLAND CREDIT MANAGEMENT , INC . 

Ive never contracted with Midland Credit Management XXXX Inc. Ive never signed anything indicating I owe this company anything. If the debt was purchased that wouldve been between XXXX XXXX XXXX  and Midland Credit Management , Inc. and not me. EVIDENCE OF FRAUD # XXXX ; when asked for validation they can not provide proof. 

I also understand that within my contract with XXXX XXXX XXXX  there was an arbitration clause that stated any legal process for this account would be handled in arbitration and not the court of law. EVIDENCE OF FRAUD # 4 ; if a debt did exist and if they could sue me it could not be in the court of law. The only contract Ive signed stated this clearly. More evidence Midland Credit Management , Inc. is committing fraud through the U.S. mail system which is grounds for mail fraud. EVIDENCE OF FRAUD # 5.

I believe Midland Credit Mangement , Inc. is fraudulently collecting on a debt that is not mine ( see evidence # s 1-4 ). I believe they are committing debt collection fraud and mail fraud. I believe this company is using abusive tactics which violates the Fair Debt Collection Practices Act to collect on a debt that is neither mine nor exists. 

Under FDCPA, I am seeking {$1000.00} in damages plus {$9000.00} in emotional and mental damages caused by the false, deceptive and misleading practice as well as the abusive language and hate speech I have unwarrantedly received from this letter produced by this company MIDLAND CREDIT MANAGEMENT , INC . 

All evidence of recent communication referenced above is attached. Supporting information on FDCPA and CFPBs recommendations/notes are also attached. Supporting USCs attached.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there is an unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove the listed inquiry immediately. 
XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, 09 XXXX XXXX XXXX DEPT OF ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, U S DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX
Product: Debt collection

Received notification on my credit report fro m TransWorld Inc stating a  owed a debt but they apparently mailed it to the wrong address because thats what the hospital had ( the original creditor ) I have perfect credit and explained to remove the debt and continued to be extremely rude and stated it was owed, I said I would contact the BBB which I did and the hospital agreed to remove it, and still nothing, it does n't belong on my credit report, I have receipts showing it was paid prior to placing it on my credit report, which I have now submitted to the credit report agencies. Still nothing.
Product: Credit reporting or other personal consumer reports

I disputed this acct in my identity theft case that Equifax disputed and removed it off my credit report. The original acct was XXXX for {$1400.00} now it came back from third party as a collection/and or changed the named, this acct is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax 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 a my file at XXXX and Equifax is 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. I tried contacting the XXXX and Equifax Credit Bureau and the XXXX XXXX XXXX  but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes with Experian about the ongoing reporting of late payments on my student loans which are in default. On XX/XX/2020, the president signed the CARES ACT, which ceased all interest and collection efforts on defaulted student loans. Yet, Experian continues to report the late payments which has affected financially.
Product: Vehicle loan or lease

My lease was scheduled to end on XX/XX/2020. On XX/XX/XXXX, I called and spoke to an Ally representative regarding my intention to pay the balance due in order to purchase the vehicle. I was advised that I would need to overnight the check to Ally, which I did on XX/XX/XXXX. The check was received by Ally and my account has shown as being paid in full since XX/XX/XXXX. Around XX/XX/XXXX I contacted Ally to inquire as to the status of the title and was told that someone would be contacting me. Only then did I receive the odometer statement from XXXX, with no indication that it had come from Ally. Several days later I was able to determine that this was not spam and responded on XX/XX/XXXX. Since then, I have contacted Ally several times requesting the title and have not been successful as of XX/XX/XXXX. I do not understand why this would not be an automatic process. I have requested several call backs and have not received any. I can see on the Ally Customer Support XXXX that I am not the only person that is having this same experience and runaround regarding obtaining the title for paid off leases.
Product: Payday loan, title loan, or personal loan

This debt was previously disputed on XXXX/XXXX/XXXX and has not been validated by company. It is showing as a charge off
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX ID # XXXX please see attached and publish this Experian once again lyed SEE ATTACHED the documents attached this reporting does not meet the fair reporting act
Product: Debt collection

I requested a debt verification letter from this company, and they have ignored the request for this letter and continued to call me. I also do not believe that it is fair to be attempting to collect this debt at all. I have contacted XXXX numerous times trying to pay this balance, and they told me I did not have a balance owed. I only found out otherwise when receiving a letter from a debt collector.
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over XXXX  days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within XXXX  days, and if you don't, those items must be removed from my report. 

Since it's been more than XXXX days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I don't know where to go at this point I herd that you guys would please be able to help me. I am knew to XXXX XXXX and seeing my score and what is showing on my score, trying to fix and better my life for my family. I see something from Syncb/Walmart not once but twice. Also the XXXX XXXX not to mention I have a XXXX XXXX XXXX account that is currently active and I have never applied for nor have this car, that someone is still using, I have tries emailing XXXX XXXX about all this and even XXXX XXXX XXXX and the other companies no one can give me and answer. I just don't understand I never applied for any of thay and can't figure out who or where to go at this point. Espasilly because there's an active card I am not even using. Is this a scam identify theft I don't get it. I would truly appreciate it if you were able to help me. Thank you so much
Product: Checking or savings account

On XXXX XXXX someone took {$2500.00} where they use my pin code. I never told anyone my pin code even my husband doesnt know it. The next day that person bought {$160.00} worth of XXXX XXXX in my card also bought {$3300.00} from XXXX XXXX store in XXXX XXXX. XX/XX/XXXX, {$1400.00} was used to buy at XXXX in XXXX. Ive never been in those places in my life. I assume that someone from chase bank use my personal information to go on a shopping spree for the holidays while they wipe out my account. Whoever did that should be ashamed of himself or herself for doing me wrong. I wont stop until something is done about this. I think the bank should have more advance technology where the customers can approve their purchase through text messages so they are aware of every transaction that is being done in their account. They should have known this long time ago I should not be the one to tell them. Its being a week since I made the report to Chase for this matter I still have not get my money back. I think if it was my credit card I think Chase would care more more to find out who did since its their money. What if I need to buy something I left with less than {$100.00} in my account. I thought chase cared about the customers money since they use costumers money to make billions.
Product: Credit reporting, credit repair services, or other personal consumer reports

National credit systems have been notified by the company and myself and refuse to take their illegal reporting off of my credit. National credit systems reps are rude and will use profanity against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I called XXXX XXXX about an account that show charge off on my credit card report. I waited two hours to talk to a representative in the recovery collection department. I explained to the representative that I notice there was a balance and the account have been charged off. Ask if I paid the account in full, that the negative account hit be removed. The representative said no. I asked why there was no past due notice and/or collection notice sent to my address. The representative, name XXXX # ID XXXX stated all correspondences on the account were sent via email and on and on about why would we mail correspondences on the account if I chose email on my account as method of communication. The representative keep on about how is it XXXX XXXX 's fault if I did not received it since my method of communication is email. Before I could explain to the representative that my email was hacked and I have not been able to received any emails for quite a long time, the call got silent like the representative might have muted the call. I stay on the line to see if the representative would realize that the phone was on mute and he's not hearing me, the call got disconnected.
Product: Debt collection

I am writing to formally lodge a complaint against XXXX for their refusal to rectify false information on my credit report, which has severely impacted my creditworthiness and caused undue distress. 
A few months ago, I discovered that XXXX had erroneously reported an open account under my name, despite the fact that I had an active contract with them that was paid in full each month. I have repeatedly contacted XXXX and the credit bureaus to address this issue, but they have consistently refused to remove the inaccurate information from my report. 
In an attempt to resolve this matter, I visited a XXXX store on XX/XX/XXXX and provided ample documentation, including a police report and an FTC report, which clearly indicated that I am a victim of identity theft. Despite this evidence, XXXX staff insisted that I make a payment of {$130.00} to have the issue resolved. Under duress, I made the payment in-store on XX/XX/XXXX. 
Several months later, I received a letter from XXXX confirming that the account had been paid off. However, the false information continues to affect my credit report negatively. XXXX 's refusal to correct this mistake despite clear evidence has caused me significant financial and emotional stress. 
I am requesting that the CFPB conduct a thorough investigation into XXXX 's handling of this matter and ensure that the inaccurate information is promptly removed from my credit report. I am also seeking accountability for the undue distress and financial impact caused by their negligence. 
Thank you for your prompt attention to this urgent matter.
Product: Money transfer, virtual currency, or money service

We have an account with Bank of America merchant services XXXX ( account number XXXX ) for our XX/XX/2022 invoice we got a charge of {$59.00} this charge is not in our agreement since we didn't process any transaction during this period, the original agreement was a percentage per transaction volume with XXXX maintenance. 

Please refund or cancelled our processing agreement/account. 

Thank you.
Product: Checking or savings account

I was selling some furniture on the website XXXX. I was sent a check to pay for the bed I was selling and for shipping the bed to the recipient. 
I deposited the check I received into our checking account at Suntrust bank on XX/XX/2019. I called the bank on XX/XX/2019 and was told the check had cleared and funds were available as well as verifying on e-banking. I used XXXX to send {$1000.00} to Ms.XXXX XXXX of XXXX, VA as I was under the impression Ms. XXXX was the mother of the person buying the bed. On XX/XX/XXXX, I sent another {$1000.00} to Ms. XXXX after calling the bank and again confirming the money was in our account. I was asked to send another {$500.00} of the money to Ms. XXXX. On XX/XX/XXXX after funds had been sent we were notified the original check I deposited had been returned to Suntrust for insufficient funds. 
The original check was for {$2800.00} and Suntrust charged us {$36.00} for insufficient funds in our account. 
We filed a police report with the XXXX Police Department on XX/XX/XXXX at the XXXX   XXXX Precinct at XXXX XXXX XXXX XXXX, XXXX GA XXXX complaint # XXXX We feel Suntrust has a fiduciary responsibility to protect us by confirming reliably the validity of the check clearance
Product: Checking or savings account

For the past few months I have been charged XXXX dollar fees for each transaction.
Product: Credit card

Discover is reporting information on my credit file that is not only inaccurate but illegal. First of all they are reporting information different information between XXXX and XXXX. Secondly, I 've requested records for the history they are reporting and sent the request via certified mail, and they 've yet to reply. Thirdly, I 've disputed the information on 3 different occasions and they continue to verify and/or even add more illegal inaccurate information to the reporting rather than fixing the issue. I have complained to the CFPB on XXXX and XXXX for allowing the information to be reported and XXXX has stated that their job is to report whatever the furnisher tells them to report whether the information is inaccurate or not they ca n't change it unless Discover changes it. This has been ongoing now for years and has only come to my attention the last few months. This means that this information has cost me tons of money in interest on other accounts that have been opened since this reporting and is currently costing me credit denial. On XXXX XXXX, XXXX I sent a request to Discover via certified mail requesting billing statements because they were n't fixing the fixing the issue. I 've yet to hear from them to this day. They have been given ample opportunity to fix their reporting and instead have chosen to update with even more inaccurate information and plug more late payments in when they are not supposed to. You will see in the information provided as evidence the updating they 've done over the course of me disputing the information and how they 've changed and added information that is completely inaccurate. To me it looks as though they are doing this on purpose with intent to harm my scores and they 've cost me enough money and enough of my time. Discover charged the account off XX/XX/2011 and they continue to report the account as a charge off until XXXX XXXX where they then decide to plug in 180 day late payments for the next several months then report the account as a charge off again in XXXX XXXX with XXXX but with XXXX they report the account late in XX/XX/XXXX and XX/XX/XXXX the report the account as a charge off for a month, then go back to reporting the account as 180 days late then go back to reporting the account as a charge. Discover actually updated that information to XXXX when I disputed the account because originally they were only reporting the charge off in XX/XX/XXXX, then the 180 day late payments beginning XX/XX/XXXX and ending in XXXX XXXX then charged off again. BUT the most recent dispute, the updated the account to reflect 180 days late a second time after the they had already charged it off on two other occasions. All of this is Ludacris.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN, I am a victim of identity theft, and I did not make or authorize those inquiries. I am requesting that those inquiries be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was reported to credit bureaus for missing 1 mortgage payment since I opened the account in XXXX. I called PNC mortgage on XX/XX/XXXX and explained that I attempted to make the payment on time in XX/XX/XXXX and there was an error in the routing number. They agreed to rescind the late fee of {$75.00}. I made the mortgage payment on XX/XX/XXXX for the current and past due amounts before the late fee accrual date on XXXX of the month. PNC reported my account as being 30 days past due on XX/XX/XXXX.
Product: Prepaid card

They had closed my account without reasoning and I asked for it to be reopened because I had a dispute coming to the account, but they refused to reopen the account and instead send out a paper check when in the pass the sent out an paper check and I never received it. Once again they sent out another one this time and I never received that one either. So I told them about it and the are refusing to send me another check because someone stole it and cashed the first one. They are wanting me to feel out an affidavit and get it notarized, but I dont have the funds, so I just ask the reopened the account just for a couple days or XXXX hrs. Also the opened the account again in the past.