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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX. # XXXX, has violated my rights by reporting its fraudulent, identity theft, debt buying account to XXXX, and XXXX credit bureaus in an effort, to knowing collect a debt it is not owed. I have no open accounts with XXXX, nor have I ever done business with XXXX. I have disputed this fraudulent identity theft account before in an effort too permanently remove it from my credit bureau reports. When I dispute it is removed and then put back on my credit reports again. I have requested a copy of the original credit application with my signature in which I opened any such account and I have not been provided the credit application with my signature and/or a response to my request for said credit application. 

XXXX XXXX XXXX, has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

XXXX XXXX XXXX, has violated my rights by continuously reporting an inaccurate collection account to credit bureaus. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Product: Checking or savings account

On Wednesday XX/XX/XXXX around XXXX i received an email from XXXX XXXX they informed me that for my security my account has been restricted that i should call them to verify transaction and made sure that was me. Around XXXX i did call them and i spoke to one of their representative, a lady she was so mean, unprofessional and discriminate me. That day i receive a XXXX of {$1000.00} from my roommate in order to pay our rent, she asked me about the transaction and i gave her all the informations his name and number. She asked me also about some transactions and I gave her all the informations needed. Then she ask me about a transfers that i received i gave her all the informations she needed. And after that she still blocked my account. Now Im not able to pay my rent since I cant access my fund and they dont know when they will resolve that problem. Then during the weekend they sent me an email saying that based on their current informations they determined that the unusual activity they found is inconsistent with their expectation for account usage. Whats the point to have a bank account if I cant use it, why accepting the XXXX? Im surprised cause when i was deposit the money they did not ask me to verify it? Im so disappointed and I will face eviction if I cant pay my rent cause my account is restricted and I cant use my fund.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT FILED A LAWSUIT AGAINST ME IN THE XXXX DISTRICT COURT IN XXXX XXXX MICHIGAN ( CITY OF XXXX ) FOR {$1900.00}. I have NEVER had an account with Midland Credit Management and I have never received any notification or correspondence from MIDLAND CREDIT MANAGEMENT until a court server served me lawsuit paperwork stating that I owe them nearly XXXX XXXX dollars. I have submitted a response ( answer ) to the XXXX district court as well as a written answer has been sent via certified mail to midland credit managements lawyers XXXX XXXX XXXX/ XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX, stating that I do not owe said debt and have never received any correspondence from Midland Credit in regards to the debt and I have never held an account with them. 

Upon filing my answer with XXXX district court I was informed by the COURT CLERK that MIDLAND ATTEMPTED To swindle me by using an old case number for the documents they sent me of XXXX ( WHICH that case WAS DISMISSED IN MY FAVOR- to have me think that an ANSWER reply was not needed which would have then automatically given them a default judgment ) - the correct and new case is XXXX- which is the case that had I not filed an answer I would have been forced to pay a debt I do not owe- I am claiming that midland is practicing and attempting to collect an illegal debt as well as they have illegally placed a collection account on my credit reports via XXXX, XXXX, And XXXX which has caused my credit scores to plummet as well as this lawsuit has caused emotional and financial distress. Under the Fair Debt Collection Practices Act ( " the FDCPA '' or " the Act '' ), 15 U.S.C. 1692et seq ) Midland Credit Management is violating my rights as a consumer due to me not receiving proper notification of owing any said debt, not being allowed to dispute said debt, not being allowed to request their licenses and documentation showing if they can collect debts in the State of Michigan, as well as by placing a frivolous collection account on my credit reports and lastly filing a lawsuit in an attempt to collect on said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX CA XXXX XXXX day of XXXX, XXXX [ XXXX ] XXXX XXXX XXXX, XXXX, Illinois, XXXX, United States Subject : Dispute of Incorrect Information on My Credit Report Dear [ SOUTHWEST CREDIT SYSTEMS ], I am writing to submit a formal dispute regarding inaccurate information that appears on my credit report. After reviewing the report, I have identified information that does not belong to me and is incorrect. I kindly request you investigating and rectifying these discrepancies to ensure the accuracy and integrity of my credit profile. 

The incorrect information is as follows : * [ SOUTHWEST CREDIT SYSTEMS, Submitted on XX/XX/XXXX ] : [ I HAVE NO KNOWLEDGE OF THIS ACCOUNT ] I believe these errors may have occurred due to a mix-up or incorrect reporting. I have no knowledge of this account. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that you initiate an investigation into these inaccuracies promptly. I kindly ask that you contact the appropriate data furnishers and request their investigation as well. It is essential to rectify these errors as they may negatively impact my creditworthiness and financial standing. 

As per the FCRA guidelines, I expect a written response from you within 30 days of receiving this dispute letter. Please provide me with the results of your investigation, along with any corrections made to my credit report. 

I appreciate your attention to this matter and your cooperation in resolving these discrepancies. If you require any further information or documentation from me, please do not hesitate to contact me. 

Thank you for your prompt assistance. I look forward to a timely resolution and the correction of the inaccurate information on my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Subject : Dispute of Debt Collection and Notice of Rights Violations Dear Cavalry Portfolio Services, I am writing to formally dispute the debt your company is attempting to collect from me. The specific account in question is Cavalry Account XXXX. : XXXX. I believe this debt is inaccurate and that your company has engaged in unlawful practices, violating my rights under multiple federal laws. Additionally, your company is not licensed to collect debts in the state of Florida, as verified through the XXXX XXXX XXXX. 
I would like to address the following violations : 1. 12 CFR 1006.34 ( b ) ( 5 ) Your company has failed to provide the required disclosures in your initial communication, specifically the debt collectors license number for the state of Florida. This omission is a direct violation of the regulation, which mandates that this information must be included to ensure transparency and compliance with state laws.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Your company has violated the regulation by using false, misleading, and deceptive means to collect or attempt to collect the debt. Specifically, the statements regarding the debt amount and the consequences of non-payment have been exaggerated and misleading, which is prohibited under this regulation.

3. 12 CFR 1006.34 ( d ) Your company has failed to provide a validation notice containing all required information. The validation notice must include detailed information about the debt, including the amount owed, the name of the creditor, and a statement of my rights. Your communication did not meet these requirements, depriving me of my right to understand and verify the debt.

4. 15 U.S.C. 1681s-2 ( a ) Under the Fair Credit Reporting Act ( FCRA ), your company has a duty to report accurate information. Your company has reported incorrect and misleading information about this debt to the credit bureaus, negatively impacting my credit score. This constitutes a violation of your responsibilities as a furnisher of information. 
Proof of Licensing and Bonding According to XXXX XXXX XXXX, your company is not licensed to collect debts in the state of Florida. I request immediate proof that your company is licensed and bonded to operate in Florida. This proof should include : Your company 's state licensing information. 
Proof of bonding. 
Purchase Order Agreement I also request a copy of the purchase order agreement between your company and the original creditor. This will provide clarity on the transfer of this debt and ensure that your company has the legal right to collect it. 
Please be advised that I am keeping detailed records of all correspondence and communication regarding this matter. If these issues are not resolved promptly, I will not hesitate to file a complaint with the Federal Trade Commission ( FTC ), and the Florida Attorney General 's office. Furthermore, I am prepared to take legal action to protect my rights and seek damages.
Product: Credit card or prepaid card

After getting an XXXX account, I found that on XX/XX/XXXX Bank of America ran a hard inquiry without my consent. It will impact my XXXX XXXX until XX/XX/XXXX. I have tried to reach out to have it removed without getting any response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX To Whom It May Concern : I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided in and may possibly belong to a relative. For the record, I have lived at the same address for five ( 15 ) years. 
My correct name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY, they are not accurate. 

My current address is XXXX XXXX XXXX XXXX, OH XXXX and I have resided here for 15 years All other addresses are not accurate, please remove them immediately XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX My current telephone number is : XXXX Please remove all other numbers IMMEDIATELY, they are not accurate. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX 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 made an additional principle payment of {$1500.00} on XX/XX/XXXX to from my checking to XXXX # XXXX on my Home Equity loan with Key Bank. They applied the payment to XXXX # XXXX instead. I called customer service on XX/XX/XXXX and asked them to fix the error and allocate the full {$1500.00} to XXXX # XXXX and was told that the request was put in and would be complete in 2-3 business days. KeyBank reversed the payment off of my loan, but after 4 business days still had not applied it to the correct XXXX. The payment was payment was not anywhere on my loan, nor put back to my checking, it was simply missing. On XX/XX/XXXX I went into the XXXX Branch and spoke with XXXX who said I needed an appointment and she would call me at XXXX that day. She never called me, so I went online and set another appointment for XXXX the next day on XX/XX/XXXX. I had to call the branch on the XXXX and leave a message for XXXX to call me. When I finally spoke with her she said she put in a request to get the {$1500.00} applied to XXXX # XXXX and it would be complete in 2-4 business days. After 5 business days, again the payment was not posted. I spoke with XXXX at the XXXX branch on XX/XX/XXXX and was eventually told he spoke directly with the back office that processes the payments and that it would be posted in a day or 2. After 3 more business days, still no payment. I called XXXX back on XX/XX/XXXX at XXXX am. He called back at XXXX and said that neither the back office or his Operations Lead can explain why this is happening or give an XXXX for it to be fixed, I just have to wait. It has been 3 weeks since the payment was initially made.
Product: Credit reporting or other personal consumer reports

XXXX reported to the credit reporting agencies as late or delinquent. I discovered this when they sent me a letter in the mail in XX/XX/year>. In XX/XX/year> I originally set up autopay once I got the new credit card from XXXX. There were mistakes in their autopay system, and I resolved this in XX/XX/year> with XXXX once I received their letter about the delinquency and I immediately paid the total balance of {$29.00}. Also, they were not sending me paper statements like they were supposed to, and I was unaware of the problem until I received XXXX letter about delinquency. XXXX said I was on paperless statements, which I never signed up for. It was not my fault with delinquency or late payment, and I want this derogatory mark removed from my credit reports. My XXXX XXXX was lowered much because of this, and I want this fixed too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the cessation of reporting a late payment on my credit report. The late payment is associated with XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, an account I no longer have with the company, and I believe it is necessary to address the impact it has on my credit history, especially considering the challenges faced by everyone during and after the pandemic. 

To provide context, I want to emphasize that the late payment in question occurred over 5 years ago, and since then, I have diligently worked to improve my credit history and maintain responsible financial habits. Unfortunately, the lingering presence of this late payment has had a lasting impact on my creditworthiness and financial opportunities. 

Furthermore, the circumstances surrounding the pandemic have posed significant challenges for individuals across the country and around the world. The economic repercussions and financial hardships experienced by many during this period have been unprecedented. In light of these challenges, it is crucial for credit reporting agencies to exercise flexibility and understanding regarding negative entries on credit reports, especially those stemming from years ago. 

Considering the aforementioned points, I kindly request your assistance in ceasing the reporting of this late payment on my credit report. I no longer have an account with the company associated with the late payment, and its continued presence on my credit report creates an unfair representation of my current financial status and efforts to rebuild. 

I kindly ask that you review this matter with consideration for the hardships faced by individuals during and after the pandemic, and the impact it has had on their financial well-being. I believe it is essential to provide individuals with the opportunity to recover from such setbacks and regain financial stability without being hindered by dated negative entries on their credit reports. 

I kindly request that you provide me with a written confirmation once the necessary actions have been taken to cease reporting this late payment. Your prompt attention to this matter is greatly appreciated. 

Should you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX. I am committed to resolving this issue and ensuring the accuracy of my credit profile. 

Thank you for your understanding and consideration.
Product: Payday loan

I was called by XXXX XXXX XXXX, who had my entire SS # so I thought they were real. They said that I owed over {$800.00} for a payday loan i never took out but would settle for {$430.00}. I checked and found that their number XXXX was a scam operation. I have contacted my bank concerning the scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to sign up for Equifax 's Trusted ID Premier credit monitoring service since XX/XX/XXXX and have had no success. I first emailed customer support on XX/XX/XXXX because I received an email stating that there was a problem activating the Equifax credit monitoring service and to email 'XXXX ' for assistance. I emailed them on XX/XX/XXXX and never heard anything back, so I emailed again on XX/XX/XXXX. I received a response on XX/XX/XXXX stating that they had no record of my registration with Trusted ID. I re-registered on XX/XX/XXXX and got an email back stating that I could now activate TID Premiere. I have tried since that time probably a total of 20 times to active this service and have received an error message back stating " system is unavailable, please try again soon ''. I called customer service at XXXX today XX/XX/XXXX and was told that there was no record of my registration by either of my phone numbers and I needed to register for the 4th time. I re-registered again just now and received an email that I could now activate the service. Which I then got the same " system is unavailable, please try again soon ''. I have a hard time believing that this is anything other than a deliberate attempt by Equifax to keep from having to provide the service that it stated it would.
Product: Credit reporting or other personal consumer reports

I am writing to contest and ask for the rectification of erroneous information present on my credit report. Upon thorough examination of my credit report, I have noticed an account that inaccurately reflects late payments. Upon reaching out to the associated company, they have confirmed the presence of errors in reporting these late payments and have assured me of their agreement to rectify the situation by updating my account and removing the late payments. 

XXXX XXXX  XXXX.
Product: Credit card

I've made sure to keep payments on this account timely and never overdue. I'm not sure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b, this billing error should be addressed.
Product: Money transfer, virtual currency, or money service

I have fallen victim to a widely reported scam targeting XXXX  XXXX XXXX customers using the XXXX  money transfer service. {$3100.00} was stolen from me. The scammers were impersonating XXXX XXXX XXXX customer service, spoofed the XXXX XXXX Customer Service number , and knew various account details with XXXX. Upon reporting the scam to XXXX  XXXX XXXX I was a asked to submit a variety of paperwork and file a police report. I was able to also provide the scammers bank, last 4 digits of the account number, and first name the checking account was registered under. I complied with all of the requests made by XXXX. The case investigating this claim was then shortly closed, and I was advised to contact the recipient of the stolen funds ( I.E. the scammers ). Neither the police, XXXX  XXXX XXXX, or XXXX XXXX XXXX XXXX have helped me resolve this issue. The fraudsters also tried to use my identity to register for benefits using through California XXXX via the " XXXX  XXXX '' app. No one from the California XXXX office has returned my calls or e-mails. Recently I was contacted by XXXX notifying me that I was being kicked off of XXXX for violating the Terms Of Service, but they would not specify what rule I had in fact violated. The terms do however specify that you can be kicked off the platform if you fall victim to this type of scam.
Product: Credit reporting or other personal consumer reports

This company has violated my rights to privacy. I never gave them permissible purpose to furnish any report on me. According to law 15 USC 1681b, no permissible purpose is Identity theft and I have the right to block any information resulting in identity theft.
Product: Mortgage

Trinity Financial, LLC. held a trustee sale on XX/XX/XXXX, on a property by picking up a dormant second that was believed to be remedied in a Making Home Affordable modification and principal reduction that was completed in XXXX. This second was held by another lender, XXXX and then XXXX and there had been no activity on the lone since XXXX. XXXX XXXX is the property owner 's current lender. The owner was under COVID 19 Forebarance with XXXX XXXX and remained in good standing. The auction was held on XX/XX/XXXX and there was a winning bid. The owner seeks to settle arrears as allowed through the Redemption Period with Trininity Financial, LLC. however, Trinity Financial, LLC. has not been responsive to calls. Has not returned correspondences and requests by the trustee company who conducted sale to connect with the owner. 

We are requesting contact information and follow up to discuss solutions with : Trinity Financial, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX NMLS ID # XXXX Georgia License # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I drive for XXXX and once a year they do a background check on us to make sure we are still eligible to XXXX. Well as of XX/XX/XXXX this year mine came up for renewal. At the same time the new XXXX XXXX went in effect. So according to Checkr. It has put the courts behind to produce checkr reports they need. Well I have contacted my county, district and MSP ( ichat ) and up tanned my own report and sent it to checkr and XXXX. Checkr told me that they can not except it from me they need it sent from the company. XXXX told me that they can't except it only from checkr. Checkr is dragging there feet and has cost me a lot of money for not being able to work. I need help