23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an email informing me that a late payment had been listed on my XXXX report the morning of XX/XX/2017. The compsny was Afni, and before yesterday morning I had never heard of them. Later that same night, I received notification that the same company had also reported to XXXX. I was never contacted by this company to receive notice of right to dispute.
Product: Debt collection

I received multiple calls from Integrated Mediation Solutions LLC between XX/XX/2018 and XX/XX/2018 regarding a loan taken out with a XXXX XXXX XXXX XXXX   d/b/a XXXX. Upon first speaking to me, the representative stated that she was calling prior to sending a judgment to my employer to resolve this debt because I failed to respond to a court summons. When I did a case search and was unable to find any filings filed by her company, she then backtracked and said that it had not been filed yet and that she was giving me the opportunity to resolve the debt. I asked for her to provide proof of the debt, and I received a form letter from her company via email ( attached ). On XX/XX/2018 I received two phone calls, one on my personal phone and one on my work phone from this company. When speaking to them, they stated that they emailed me a letter. When I asked for proof of the debt they tried to send me back to the original lender to ask for my contract. I advised that I want Integrated Mediation Solutions LLC to provide me with a copy of it so that I know they have legal jurisdiction to collect this debt. The agent/supervisor continued to try talking me out of this, and stated they would no longer be able to settle later on if I requested proof of the debt today. She stated that I was refusing to pay the debt, and I corrected her by saying I only asked for proof. I ended the call by asking for proof of the debt be provided to me. This lender violated the FCDPA by misrepresenting that they had filed a lawsuit and obtained a judgment already. They tried using scare tactics that were unethical because I wanted proof of the debt as Im authorized under law. Lastly, the original lender is not licensed in the state where the loan was obtained, and loan principal has already been paid in full. The original lender utilized an ongoing tactic of renewing the loan weekly so that it could never be paid back. Lastly Integrated Mediation Solutions misrepresented themselves multiple times - 1. Stated they received a judgement against me already, 2. Stated that I failed to respond to suit filed, 3. Stated they were representing a law firm when they were actually representing XXXX XXXX, 4.  Failed to provide the mini-Miranda stating they were a debt collector in phone conversations.
Product: Credit reporting or other personal consumer reports

I incurred this debt over time, prior to the pandemic that began in XXXX. I do not remember when I opened the account, nor do I remember my account number. 

In XX/XX/XXXX, I was summoned to XXXX XXXX XXXX XXXX XXXX MA, in a small claims action filed by TD Bank, the holders of Target Credit Card accounts. The attorneys they retained were : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX I appeared in court at the required time and place on XX/XX/XXXX. The case was continued to XX/XX/XXXX, however, a notice of dismissal was filed by TD Bank 's attorneys on XX/XX/XXXX, and the case was disposed by agreement -- settled -- on XX/XX/XXXX. 

Therefore, there is currently no debt owed to them ; this is a matter of public record, docket number XXXX at XXXX XXXX XXXX ( XXXX ). 

this has been appearing on my credit report for nearly 5 years now as a current debt, and it needs to be removed. It has affected my credit for far too long. I haven't gotten anywhere by filing disputes with the credit bureaus, and my attempt to contact Target directly resulted them asking for this information, but nothing being done about it. I have had no further contact from them. 

The attachment is a printout of the record found online, and includes all the information I described.
Product: Debt collection

communication tactics Seized or attempted to seize property Used obscene, profane or other abusive language continue to advertise property as foreclosure after debtor seek relief In the days following bankruptcy filling. the debt collector XXXX XXXX, XXXX law firm Cohn Goldberg Deutsch may have approved the use of violence or even orchestrated it .from evidence and actions and the pride inspired by this third party .the debt collector only way was to play on the old fear, bulling and treacherous. 
inflict XXXX to collect a debt, that include the third party inflicting physical injury orchestrated by Cohn Goldberg m and Deutsch and XXXX XXXX, XXXX these debt collector moral compass is off course. they seem to have take the position that they are above the law. 
Portraying their actions as perfectly permissible. TO COLLECT A DEBT. The debt collectors XXXX XXXX, XXXX COHN AND GOLDBERG, Deutsch, XXXX XXXX XXXX XXXXl XXXX, XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I applied for a joint credit card with my partner for Care Credit. We submitted the online application, and were then told to call a 800 number to complete the process. We called the number, and they asked my partner only to verify his identity online using his phone. He was told to take a video of himself and submit a picture of his identification card ( driver 's license ). 

On XX/XX/2020, he attempted to complete the identity verification on his XXXX, but was unable to access the websits using his XXXX browser. We again contacted the phone number, and they told us repeatedly that we had visited the wrong website. We had visited the correct website. The call was disconnected as the representative tried to transfer us to an alternative agent. We attempted to use the XXXX to verify his identity again, using XXXX XXXX as the browser. The website worked on XXXX XXXX. 

While using the website to verify his identity through pictures, he was able to successfully complete the video of his face and the picture of the front of his ID. The system would not accept the multiple pictures he attempted to take of the back of his ID, and he was locked out of the verification process. 

We called again to speak to a representative to settle the matter. The first representative told us that our application had been declined. Once connected to another representative upon request, she opened the online system back up for him to verify his identity, and suggested he take the video of his face against a plain wall. 

My partner again then tried to complete the online verification, but was met with the same problem. He had 1 attempt left to verify the back of his ID, and so rather than use the attempt we decided to call again to see if a representative could explain what we were doing wrong or to provide us with another opportunity to verify his identity. 

Upon connection with XXXX, XXXX left us on a silent hold for approximately 4 minutes while he looked into our account after verifying our identities on the phone. He then told us our application was declined, and that the previous representative should not have allowed my partner another chance to verify his identity. We inquired about an alternative method to verify his identity, and the representative disclosed that there as an alternative method but he could not provide more information as we must have a processing application to do so. We were never informed of any type of alternative identity verification process at any of the 3 times we had called previously, two of which  were to notify representatives that we were struggling with the identification system. 

In conclusion, the application process was never completed because my partner never had the opportunity to verify his identity. Nevertheless, we were declined anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I pulled my credit reports and noticed several accounts Transunion and XXXX are reporting inaccurately. On both credit reports XXXX and Transunion are reporting inaccurate and unverifiable late payments on 4 accounts. on XX/XX/2022, I mailed Transunion and XXXX letters disputing this information and demanding verifiable proof that this information is accurate, up-to-date and true ( see certified tracking slips + letters attached ). I have never been late and I know for a fact I have never been late more than 30 days on any account I have ever owned. See exhibits attached. 

On XX/XX/2022 I contacted XXXX ( an account both CA 's are reporting inaccurate late payments for ) and I spoke with 2 representatives at XXXX XXXX EST, using number XXXX, XXXX and XXXX XXXX # XXXX in the Members Resolutions Department, regarding the alleged late payments. Both representatives CONFIRMED that the information is indeed INNACURATE. 


This information is inaccurate and hurting my credit worthiness. My rights are being violated when both credit reporting agencies are failing to ensure all information placed on my consumer credit report is verifiable and true. I don't appreciate my credit reputation being damaged in any way.
Product: Debt collection

XXXX XXXX IS REPORTING AN ACCOUNT ON MY CREDIT REPORT THAT HAS NOT BEEN VERIFIED OR VALIDATED. ( {$200.00} ) " DELETE THIS ACCOUNT ON DAY XXXX, " XXXX ''. THIS IS A VIOLATION OF THE FDCPA AND THE FCRA. I WILL BE SEEKING REMEDY FOR DAMAGES AGAINST TRANSWORLD SYSTEMS BECAUSE THEY ARE THE COMPANY REPORTING THE ACCOUNT ON MY CONSUMER REPORT. I WILL BE SEEKING UP TO {$1000.00} PER VIOLATION AND FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. ( DO NOT TRY TO WAIT FOR XXXX  DAYS BEFORE A RESPONSE, IT WILL THEN BE TOO LATE AND I WILL PROCEED WHITHIN THE TIME I STATED ) ( PLEASE DO NOT TRY TO TEEL ME OR EXPALIN THAT YOU ARE COLLECTION ON BEHALF OR FOR A CLIENT ) IF YOU DO I WILL IMMEDIALTELY START THE PROCESS IN THE LEETER IN THE RESOLUTION DESCRIPTION IN THIS COMPLAINT. I WILL NOT ACCEPT ANY EXCUSES FOR HAVING THIS ACCOUNT REPORTING ON MY CONSUMER REPORT. ( DELETE IMMEDIATELY DAY XXXX )
Product: Credit reporting or other personal consumer reports

15 USC 1681 a Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 
Once this is done please send me an updated copy of my consumer reports
Product: Vehicle loan or lease

XXXX has been non-compliant with removing the unverified account ( AMERICAN CREDIT ACCE ) which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that ( AMERICAN CREDIT ACCE ) was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Acct #. XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy.

I contacted " Transunion '' asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, XXXX XXXX XXXX
Product: Debt collection

We have started a call log with Midland Crdit Agency, calls received from the agency are ongoing..my husband has no idea what debit they are referencing because they are collecting on debt XXXX yrs ago. On XX/XX/XXXX calls started at XXXX, XXXX XXXX am, XXXX, XXXX each time I explained he works during the day & I have XXXX to please call after XXXX.XX/XX/XXXX XXXX, XXXX- which my husband answered the phone and he told them he would get back to them on Monday because we are working w/a debt consolidation company then @ XXXX the same guy he spoke with XXXX XXXX called again from Midland Crdit agency & my husband explained he already talk to him, enough of the harrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION : Attempt to place credit freeze on XXXX. 
. 
Transunion didn't tell me the difference in charges between credit lock ( {$19.00} recurring /month ) and credit freeze ( one time charge of {$5.00} as per Maryland State Law ).

Discovered this through their confirmation email. I then cancelled the service and phoned them. They began processing a fee refund but told me that the refund may not show up in my checking account for up to 30 days depending upon my financial institution. Hence either Transunion or my bank gets the use of my money for up to 30 days without paying me the interest they earn using my money & I don't have the use of my money during this period.
Product: Money transfer, virtual currency, or money service

I sent my money {$15000.00} to my sister 's account at XXXX XXXX XXXX from my account at TD bank ( branch Number:XXXX ) on XXXX XXXX 2019, but still now she hasn't gotten them yet. According to XXXX XXXX XXXX, they don't even get a data for sending.
Product: Credit reporting or other personal consumer reports

TRANSUNION IS REPORTING FRAUDULENT INFORMATION ON MY CREDIT FILE, I HAVE ASKED FOR VALIDATION AND HAVE NOT RECEIVED IT. 

I DO NOT HAVE AN ACCOUNT BEARING MY SIGNATURE WITH XXXX ACCOUNT XXXX XXXX, XXXX  {$550.00}
Product: Vehicle loan or lease

I had a loan through wells Fargo for a used car I purchased in a dealership in XXXX XXXX Nevada I recently found out that Wells Fargo added more charges and or on the interest rates on loans from XXXX through XXXX. My loan with the bank was from XXXX through XXXX. I'd like to see if I am entitled to money back from a settlement they just lost
Product: Debt collection

COMPANIES IN QUESTION : XXXX XXXX / THE BEST SERVICE COMPANY XXXX XXXX XXXX XXXX formal complaint/goodwill request that you are reporting inaccurate information due to data furnishing error AND neglect of proper plicy and procedure with my private information, causing financial harm. I, the consumer, have provided proof of the alleged debt parked on my consumer report with the account information listed, company is also in VIOLATION with the FCRA for non-response in a 30 day time period. 
Citing 15 USC 1681c-2, we call for the REMOVAL AND DELETION of said parked alleged DEBT, and are in VIOLATION to my consumer rights. 
It is to I, the consumers knowledge, did in fact, PAY FOR ACCOUNT TO BE SETTLED AND CLOSED. Accounts remain open, and are dangerous to, not only my consumer report, but the rights, laws and financial fairness owed to me, by LAW. 
CREDITOR ALLOWED I, THE CONSUMER, TO PAY AN AGREED SETTLEMENT, AND CONTINUING TO PARK ALLEGED DEBT ON REPORT, RESULTING IN DROP IN CONSUMER SCORE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with transunion. ive noticed alot of invalid data that is hindering my file. I am intrested in updating my file to clear my credit report.
Product: Debt collection

XX/XX/XXXX - XX/XX/XXXX Various text messages received regarding a debt. 
Tuesday, XX/XX/XXXX - Relative contacted regarding a debt. 
No notice of any debt in writing to date. 
I do know what this is related to or if it 's a new fraud method. 
Traced phone number to www.jonathancfrank.com
Product: Credit reporting or other personal consumer reports

Over the course of several complaints, I have provided clear evidence that the account in question, originally issued by XXXX XXXX XXXX XXXX ( XXXX ) and later sold to XXXX XXXX XXXX, was fraudulent and has since been deleted. Despite this, XXXXXXXX XXXX has continued to falsely certify the account as legitimate, misrepresenting the facts to both the credit bureaus and myself. 

XXXXXXXX XXXX knew that XXXX held the account, as they directed me to XXXX XXXX XXXX in their response, showing they were fully aware they no longer held the account. Despite this, XXXX XXXX failed to confirm that XXXX had deleted the account, and instead continued to misrepresent the accounts legitimacy. This shows clear malicious intent on XXXX part, misleading the credit bureaus and allowing them to report fraudulent information. 

While the credit bureaus relied on XXXXXXXX XXXX false certifications, the responsibility now lies with them to correct the fraudulent reporting. Allys dishonesty has been exposed, and continuing to rely on their certifications will place the credit bureaus at serious legal and regulatory risk.
Product: Mortgage

I requested an explanation as to how I could release the Private Mortgage Insurance on my loan. The lender sent me a letter and an application for that proceed. The letter stated that, subject to a current value appraisal of 75 % or less LTV, as a result of substantial improvements in the property during the first two years of the loan, an appraisal can be ordered at my expense to see if the PMI is no longer required. However, despite this explanation in the letter, the company keeps insisting I must make a substantial principal payment no matter what to qualify. I asked for a supervisor for further information, and have not received a call back from someone other than the person who interpreted this provision of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is becoming a daily occurrence of trying to rectify the identity theft issues that continue to happen. I have sent for the last 6 months certified letters requesting this information be removed from my credit report. I continue to submit documentation to the credit bureaus and I have had no response. The fraudulent accounts that are reporting is XXXX and XXXX XXXX. 

I have attached an FTC Identity Theft report and I am currently awaiting the police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX. Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 

These accounts have violated my rights! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. 
Please provide original contract with my signature or I expect these accounts to be deleted within XXXX days!!!