23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted Midwest recovery systems and XXXX credit bureau in regards to an account Midwest has with XXXX. XXXX. This account in the amount of {$670.00} was paid in full as of XX/XX/2018 to Midwest Recoveries attorneys XXXX and XXXX. I've sent a paid in full letter twice to both agencies with no luck. One tells me that XXXX and XXXX need to do it notify XXXX credit bureau and Midwest recovery says that I do. I have sent everyone documentation twice and faxed it once both to the above company. 
Items on my credit report with XXXX sore I have no credit card debt. And everything is at XXXX they are showing open balances from XXXX they will not correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to formally dispute the accuracy of the information contained in my credit report, specifically regarding the account information associated with XXXX After reviewing my credit report, I have discovered several inaccuracies that require immediate attention and correction. The discrepancies I would like to address pertain to the following details associated with the account : Payment Status : According to my credit report, the payment status of the account is reported as " late. '' However, I have always made my payments to XXXX on time. It is highly misleading and damaging to my credit history to have inaccurate late payment information reported. Please investigate and correct the account : XXXX XXXX Balance : {$270.00}. I would appreciate the Credit Bureaus ' immediate attention to this matter, as it is of utmost importance to me. It is crucial that the Credit Bureaus adjust the late payments from this account to reflect the accurate payment history that I have maintained.
Product: Vehicle loan or lease

There are several inquiries for which I didn't grant written or verbal approval to perform.
Product: Mortgage

Midland Mortgage is refusing to pay property insurance from escrowed funds. 
Midland Mortgage is threatening to put forced place insurance on the property.
Product: Debt collection

I was notify by my credit union of the writ of garnishment. They have put a hold on my account and my step-father account too. I do not recall this credit card account. I did not receive either notice of either kind. The debt collector paid the amount owed or make a settlement offer. I repeat I do not recall this account.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to make a purchase. However, I was unable to access my credit after verifying my card and PIN information ( Exhibit A ) / Exhibit B ). During this period, my account was not in default and I had an available balance. On XX/XX/XXXX, I credited my account by phone. According to Targets cut-off time payment policy, payments submitted prior to 11 pm of the due date would be credited the same day ( Exhibit C ). I received confirmation of my payment around 7 pm. ( Exhibit D ). ( The second number is either z v or b, the automated voice system wasnt clear enough to catch that letter. ) On XX/XX/XXXX, I received a billing error in the form of a late payment fee on my credit card statement ( Exhibit E ). I contacted costumer service and spoke with an representative by the name of XXXX. I voiced my concerns with XXXX on how my rights were violated as a result of Targets error in processing my credit along with the inability to use my credit due to blockage. XXXX tried to ensure that the payment along with the late payment fee would be credited back to my account after 48 hours. XXXX also stated that he unblocked my PIN and information. I informed him that I did not consent to my account being blocked. When I voiced that I would be following up in regards to my mistreatment as a consumer, XXXX stated he was unable to provide his employee ID number. I am now being inconvenienced when I upheld my loyalty as a consumer and made my payment promptly and fairly.
Product: Debt collection

I was shot in the eye and the medical bill is very high I'm trying to remove it from my credit to increase my credit score
Product: Credit card

Subject : Dispute of XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX Department, I am writing to formally dispute an erroneous entry made by XXXX XXXX XXXX on my credit report. This entry, which negatively impacts my XXXX XXXX, suggests that I have an outstanding balance on my XXXX account. However, this claim is incorrect as I have never received any billing statement or communication regarding this alleged debt. 

I first became aware of this issue upon reviewing my credit report from XXXX on XX/XX/24. To my surprise, I noticed a negative entry from XXXX XXXX XXXX indicating a missed payment. I was never notified of any outstanding balance, nor did I receive any billing statements or reminders from XXXX XXXX XXXX, which would have allowed me to address any legitimate debt promptly. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies in my credit report and request an investigation into these matters. I firmly believe that this entry is a mistake, possibly due to a clerical error or miscommunication. 

I kindly request that you investigate this matter promptly and remove the inaccurate entry from my credit report. This error has unjustly affected my XXXX XXXX and could potentially hinder my financial opportunities. I expect a response within 30 days, as mandated by the FCRA. 

Please note that i have been unsuccessful with getting XXXX to resolve the matter. 

Please send me written confirmation of your receipt of this letter, the results of your investigation, and the subsequent actions taken to rectify this issue. If further information or documentation is required from my side, feel free to contact me at ( XXXX ) XXXX or XXXX. 

Thank you for your immediate attention to this important matter.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

XXXX XXXX XXXX # XXXX XXXX BANK # XXXX XXXX AUTO # XXXX XXXX XXXX # XXXX TRANSUNION XXXX XXXX # XXXX XXXX BANK # XXXX XXXX AUTO # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX BANK # XXXX XXXX AUTO # XXXX XXXX XXXX  # XXXX INQUIRIES XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received repeated calls from a " XXXX '' at XXXX who claims that I am listed as a " contact '' for my brother-in-law XXXX XXXX XXXX. This is patently false. I told them from the first call that I was not ever a contact for him, that this was my personal phone they were calling, that I was on the do not call list. They have called several times since then. They just called me again and I found out that today they called my parents XXXX parents XXXX wife ). They need to stop calling me and my parents XXXX parent 's phone is XXXX ) and they should be fined out of existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not able to link my account with the company such as XXXX or Bright that is trying to help me repair my credit, save money etc. XXXX keeps refusing to allow even though Ive called them and asked for it to be allowed
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$18000.00} ; XXXX  XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$8700.00} ; XXXX  XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a public record item ( Bankruptcy ) on my credit report that does not belong to me through all there major credit bureaus ( XXXX, XXXX, EXPERIAN ) and after their investigations both XXXX and XXXX deleted the public record ( Bankruptcy ) but Experian is claiming that after their investigation the did not delete the item because they verified that it belonged to me.. After getting these results from Experian I contacted Bankruptcy court and they told me that they do not provide any credit bureaus with any information regarding bankruptcy filings so I then disputed it again sending them the information that I received from Bankruptcy Court and requesting that they provide me with the methods used in their investigation process to help me to understand how they verified this information if I Bankruptcy Court doesn't provide this and they have failed to respond. I have requested that Experian remove this inaccuracy from my credit file and they have yet to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The banking system is dependent upon fair and accurate credit reporting pursuant to XXXX XXXX XXXX ( XXXX  ) ( XXXX ). My consumer report isnt accurate! And thats not XXXX! You have violated my rights for the last time. The injured party has been in the dispute process for these inconsistencies, inaccuracies and outright fraud on my account for too long with no compliance. 
Disputes have been sent to eliminate the inaccurate account because the date the account was allegedly opened ( which is still reported incorrectly ), the high balance of the account, which is a direct cause for my interest rate being XXXX higher than the nations average. The injured party has exercised their consumer rights to dispute inaccuracies and you have failed to provide maximum possible accuracy in your reporting pursuant to XXXX XXXX XXXX ( XXXX ). Part of the dispute process is disputing with the original creditor and once the injured party did follow through with the process ; XXXX XXXX CARD SERVICES sent me proof of the inaccuracies by stating we noticed inconsistencies with the reporting if the person furnishing the report can notice it why didn't the Credit reporting agencies? This is a direct violation of my consumer rights as you XXXX and TRANSUNION purposely failed to follow reasonable procedures to assure maximum possible accuracy. ( XXXX XXXX XXXXXXXX ( XXXX  ) ) XXXX and Transunion you have pushed the duty to verify onto the furnisher and never did your due-diligence to reinvestigate. Your failure to be fair and equitable with reinvestigations is proof that you have shown neglect in regards to consumers rights privacy. ( XXXX XXXX XXXX ) You will be held accountable!
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX Also known as XXXX, XXXX XXXX, XXXX Remove the above names experian : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms XXXX XXXX XXXX  XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX 6 late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms XXXX/XXXX  {$5600.00} Balance updated XX/XX/XXXX 2 late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$5600.00} {$3500.00} Payment Info Status Past due 90 days Status date XX/XX/XXXX Past due amount {$150.00} Original loan amount {$3500.00} Monthly payment {$49.00} Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dec 2021 90 - - - - - - - - - - - XXXX - - - - XXXX XXXX XXXX - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - On Time 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 300 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX/XXXX  {$6300.00} Balance updated XX/XX/XXXX 2 late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$6300.00} {$3700.00} Payment Info Status Past due 90 days Status date XX/XX/XXXX Past due amount {$170.00} Original loan amount {$3700.00} Monthly payment {$55.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I went into a Chase branch in XX/XX/2023 to open a trust account. The account had to get legal approval and this took about two weeks. I had to provide certain documents from my private trust to the bank before being approved to open the account. The documents were provided twice, on two different occasions. I was then called by the branch to come in a complete the account, because of the authorization from the bank 's legal department. So I proceeded to open the account. The account was open and after a few weeks, I received a text message from # XXXX which I thought was a scam or fraud, because the message was not backed up with a phone call or an email. So I called the banker, who opened the account for me and he looked into the matter. After he looked into the matter I received a letter, that the bank needed more documents from my trust, which again are private. And the banker also looking into the matter. he emailed the documents to whatever department that needed the extra documents, and then I received another text from # XXXX, so I called the number on the letter and was told what to send to them. The information was transmitted and now Chase said they can not open that type of trust for me. I do not know what that means, I feel discriminated against, and Chase has not made any additional contact with me to explain why my trust account can not be opened with them. All their text says we need more documentation The letters say the same. And legal gave the banker the okay to open the account. The departments aren't talking to each other and no one knows what is going on.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the Experian and XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of and kindly help me to correct these accounts : XXXX XXXX XXXX Balance Owed : {$370000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  on XXXX XXXX. 
I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protested consumer rights to privacy and confidentiality under 15 usc 1681. 
account name XXXX XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX account # XXXX Account name XXXXXXXX XXXX XXXX account # XXXX Account name XXXX XXXXXXXX XXXX  Account # XXXX has violated my rights 15 U.S.C 1681c. Section 602 A. I Have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : it also States a consumer reporting Agncy can not furnish a account without my written instructions 15 U.S.C 1681c Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other then records of conversation of crime which antedate the report by more than seven years 15U.S.C 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every 30 days starting in XXXX of 2019, I have been sending official signed notarized letters with a copy of my drivers license and social security card and to this date I have sent 4 separate letters to XXXX, XXXX and XXXX. These letters have been to provide me with the original creditors documentation on file to verify that this information on my credit report is mine and is correct. My complaint is related to Account Name - DEPT OF ED / NELNET, Amount - over $ 83K. The credit bureaus and the company NELNET which I sent out 5 letters to was to verify this account and provide me the original signed contract for this debt. Neither the bureaus or the company has provided that information and their responses was simply stating it was verified with out documentation. I want this account deleted from my credit report as this debit is unverified therefore I am not responsible for these payment NELNET is saying I owe.
Product: Debt collection

I HAVE REACHED OUT TO THIS COMPANY ON SEVERAL ATTEMPTS XXXX XXXX TO REQUEST FOR A COPY OF THE SIGNED APPLICATION FOR SERVICES. THIS COMANY HAS NOT PROVIDED INFORMATION TO VALDATE DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries on my Experian credit report are unauthorized AND not made by me. According to the FCRA all unauthorized records/inquiries should be deleted from my credit profile immediately. I have made a report with the FTC ; FTC Report Number XXXX The credit bureau in this report have refused to delete these inquiries when I reached out to them and requested such deletion. Here are the unauthorized inquiries : XXXX XXXX XXXX Inquiry date : XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have also asked Experian to update my address to : XXXX XXXX XXXX # XXXX XXXX  XXXX, TX XXXX AND delete all other addresses. I have filed a previous complaint and they failed to make the right correction. This has made me vulnerable to identity theft due to the possibility of my mail going to addresses I'm not associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the Fair Credit reporting act XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.15 U.S.C 1681 section 602 A States i have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish account information without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX  XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR SECOND ROUND SUB LLC or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR SECOND ROUND SUB, LLC., has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR SECOND ROUND SUB, LLC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR ONLINE COLLECTIONS INC to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR SECOND ROUND SUB, LLC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.