23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

identity Theft Complaint to the Consumer Financial Protection Bureau ( CFPB ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding instances of identity theft that have adversely affected my credit report. The personal information listed below pertains to accounts that I did not open, they are the result of identity theft. 
i have been disputing these accounts over 2 years, 1. **Account Information : ** - Account Name : XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. I did not open this account and did not give consent for its creation. 

2. **Account Information : ** - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

3. **Account Information : ** - Account Name : XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

4. **Account Information : ** - Account Name : XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

5. **Account Information : ** - Account Name : XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

I request your prompt assistance in investigating these matters and taking appropriate actions to rectify the inaccuracies on my credit report resulting from these fraudulent accounts. Additionally, I would appreciate guidance on any steps I should take to further protect my identity and prevent any future unauthorized activities. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Product: Debt collection

In mid-to-late XXXX I received a letter ( see attached ) in the mail from Midland Credit Management stating that I owed {$4200.00}. I was surprised to receive this letter because I had recently thoroughly reviewed my credit report and did not see their outstanding claim. At first, I didn't believe it because my credit score is XXXX. Shortly after receiving this letter I received a summons ( see attached ) to appear in court ( XX/XX/XXXX ) related to this matter. Shortly after receiving the summons I contacted Midland Funding Management to " Resolve Your Legal Collections Account '', and to " avoid any further legal action '' ( see attached letter ). These 2 statements are printed boldly on the attached correspondence. I am a nurse at XXXX XXXX XXXX and Human Resources monitors these things so that I thought it best just to put it behind me. I went online XX/XX/XXXX at www.midlandcredit.com to set up a payment plan ( see attached ). The first payment was made XX/XX/XXXX. 
After entering into the agreement and making a payment I received nothing in writing. I called an account manager at Midland Credit 2 weeks ago concerning the issue of no documentation regarding our settlement. He said that a letter was being sent out that day. I have not received any correspondence in the mail or e-mail as of XX/XX/XXXX, with my court date looming in just a few days. He also said that Midland credit was not going to withdraw it's lawsuit and that they would still press for a judgment. I asked him how I had gained anything at all if they were going to continue to pursue legal action. He said that they would hold off on wage garnishment and additional legal action. 
My complaint is that Midland Funding uses deceptive credit collection techniques to collect the debt. There is no doubt that any reasonable person would think that they are putting a legal matter behind them by entering into a settlement agreement with them. And furthermore, they knowingly delay getting you any correspondence ( mail or e-mail ) in writing before your court date so that they can lull you into thinking that your legal matter has been settled. And then when you don't show up to your court date they can get their judgment uncontested.
Product: Mortgage

In XXXX of XXXX I applied for a $ XXXX home equity loan with Capital One ( " Capital '' ). The funds were to be used primarily for home renovation. I submitted all the required documents requested by Captial. I was informed, on XX/XX/XXXX, by the rep., XXXX XXXX, handling my loan application that he needed a Release/Satisfaction of Mortgage from XXXX XXXX. I was surprised because XXXX XXXX ( original mortgage in XX/XX/XXXX and refinanced with them in XX/XX/XXXX ) sold my mortgage to XXXX XXXX XXXX XXXX, who merged then merged XXXX XXXX XXXX XXXX who then merged with XXXX XXXX XXXX. On the same day, I went online to the XXXX County Clerk 's website, my home is located in XXXX County, and was able to pull down, for expediency, an unofficial copy of the Satisfaction of Mortgage from XXXX XXXX XXXX ( " XXXX XXXX '' ). I faxed the document to XXXX. Attached is an official copy of the Satisfaction of Mortgage received XXXX XXXX. XXXX led me to believe that if the document evidenced the transfer, in his exact words " ... will work '' To my deterimnant, I relied on his words and informed my architect to continue working on the plans which resulted in an additional cost to me of {$750.00}. I discovered, on XX/XX/XXXX, while checking Capital 's website and no replies from XXXX or his manager that my loan was denied. There was no reason provided on the site. There was a phone number XXXX provided to call with any questions which I did. I spoke with a rep, # XXXX, he said that the loan had to be completed within a certain amount of days or it will be closed and that a Satisfaction of Mortgage was required. I asked to speak with XXXX 's manager, XXXX, and was told she was in a meeting and would get back to me on the same day. Needless to say, she has never contacted me. To add insult to injury, when I arrived home, I received i the mail from my homeowner 's insurance company that Captial had already designated themselves as the XXXX mortgagee on my policy. I believe that my loan was improperly handled and incorrectly denied. Neither XXXX or his manager appear to be of any assistance in correcting this error. Instead, they choose to ignore a client.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection 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
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 


XXXX XXXX XXXX details Paid off - Balance {$18000.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score 8. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open account Payment summary No payment history available to display. 
Status Collection account Status updated XX/XX/XXXX Past due amount {$18000.00} Original balance XXXX XXXX Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Placed for collection Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number None provided 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting

I applied for a credit card for XXXX with XXXX Bank Creditor, I got my denial letter stating my credit score was low of XXXX from Experian at XXXX Experian XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. However, I went to Experian to obtain my credit score and it states XXXX. I check my credit score regularly and it has not been that low. I have called XXXX Bank and they told me to dispute with Experian because that is where they got the information, so when I called Experian they told me I needed to call back to the bank to figure out " what model they used to pull the credit score? '' He would n't let me make a dispute or speak with a superior and kept telling me to call back to the bank. So I called back to XXXX bank and they told me they do not give out those information nor can find out how to find that out. I need to find out where they obtained this credit score because it has denied me a credit card and also affect my credit inquire.
Product: Debt collection

I thing my identity is theft the collection company asking about the money I owned in XXXX credit card but I never applied this card, my credit report is freezing longtime and never have collection report
Product: Debt collection

XXXX XXXX XXXX emailed a bill after a phone representative said that the final bill was paid in full. This subsequent bill was thusly never paid. XXXX XXXX XXXX never attempted to contact me again. Instead they sent me to collections. The collections company - Diversified Consultants Inc. NEVER made an attempt to collect the debt ( {$55.00} ) on behalf of XXXX XXXX XXXX XXXX Instead they simply reported to all credit bureaus that it was delinquent without any attempt to collect the debt or giving me the chance to dispute the charges.
Product: Checking or savings account

I was a victim of card skimming. The scammer took {$400.00} from my account. 5 total transactions were made.

4 transactions were made at a XX/XX/year> XXXX XXXX. The last one was made at a XXXX. I disputed it with my bank but they denied my claim because the pin was used. I used the pin initially to pump gas for {$3.00} for my motorcycle. Since they denied my claim, I filed a police report.
Product: Debt collection

the credit report is showing the credit card debt ( XXXX XXXX ) but is also showing that it was sold to a collection agency they are both in the credit report, i did not received any notification from the collection agency, also it shows that owned money to both agency when i only own money to the credit card company i been disputing for this to be removed but the credit company stated that is accurate, but is not. 
actual credit own to XXXX XXXXXXXX XXXX $ XX/XX/XXXX credit collection ( XXXX   XXXX ) shows XXXX $ opened XX/XX/XXXX they are both the same account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Notice for Violations of the Fair Credit Reporting Act ( FCRA ) Account Number : XXXX Balance Claimed : {$350.00} Dear Portfolio Recovery Associates, This letter serves as a formal Cease and Desist notice regarding your continued attempts to collect an alleged debt in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer protection laws. I am demanding that you immediately cease all collection activities and remove any negative reporting related to this account from my consumer credit reports. 

Violations of Federal Consumer Law : 1. Failure to Provide Proper Verification ( 1681s-2 ( b ) ) You have failed to provide sufficient validation of this alleged debt upon my request, yet you continue reporting it to credit bureaus. This is a direct violation of your duty to investigate and correct inaccuracies.

2. Reporting Inaccurate Information ( 1681s-2 ( a ) ) You have reported false, misleading, or unverifiable information regarding this account, which constitutes illegal furnishing of inaccurate information.

3. Failure to Investigate Disputes ( 1681i ) Despite my disputes, you have failed to conduct a proper investigation or provide proof of verification as required under the FCRA.

4. Violation of My Right to Dispute ( 1692g of the FDCPA, if applicable ) Your failure to provide adequate documentation substantiating this alleged debt within the legally required timeframe violates my right to dispute its validity. 

Legal Demand : Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), you are hereby demanded to : Immediately cease all collection activities regarding this alleged debt. 
Delete all negative credit reporting associated with this account across all credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX 
Provide a written response within 30 days confirming compliance with this request. 

Failure to comply will result in legal action, including but not limited to filing complaints with the CFPB, FTC, and my State Attorney Generals Office, as well as pursuing civil litigation for damages. 

This letter serves as formal notice under the FCRA and FDCPA. Any further attempts to collect or report inaccurate information will be considered willful noncompliance, subjecting you to statutory damages under 15 U.S.C. 1681n and 1681o. 

This is not a requestit is a final demand. Govern yourselves accordingly. 

XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint regarding PayTomorrows deceptive loan and lease terms, which have negatively impacted my credit and overall financial situation. I initially financed a purchase through PayTomorrow, and at the time of applying, I was led to believe that my payments were structured as a simple loan repayment. However, I later discovered that I had not only a loan but also a lease associated with my account, resulting in unexpected payments.

The terms of the agreement were not clearly communicated during the application process, and at no point was I made aware that the {$75.00} weekly payments were required, instead of the XXXX XXXX  monthly payments I was originally told. This misunderstanding resulted in several late payments being reported to the credit bureaus, causing damage to my credit score. Despite my best efforts to resolve the issue, including paying off the balance in full and sending multiple goodwill letters, PayTomorrow has been unresponsive and unwilling to assist with removing the negative items from my credit report. 

Furthermore, I have come across numerous complaints from other customers who experienced similar confusion about PayTomorrows loan and lease terms. It appears that PayTomorrow consistently fails to disclose critical information about its financing structures, which is misleading and predatory. The companys lack of communication when payments are incorrect, and failure to respond to customer concerns, is unacceptable. 

I am requesting that PayTomorrow remove the late payments from my credit report, as they were a result of unclear and misleading loan terms. Additionally, I urge PayTomorrow to review its communication practices and improve transparency for future customers to prevent similar issues. 

Thank you for your attention to this matter.
Product: Debt collection

I had a payday loan with XXXX XXXX XXXX, I became XXXX and was not able to pay it. EVERYONE in my family has been contacted by the company they hired to try to collect or file legal action against me. The company ( XXXX XXXX ) gave everyone in my family their phone # along with the case #, all they would have to do is give my birth date or last four SS # and they could have access to this information! I called the company at XXXX XXXX and asked that they not contact my family. They said they noted the account, but yesterday evening they ( compliance officer ) contacted my brother in law and left all of my information again name, their # and my case # and this is a debt and I would be getting it filed in court etc. 
When I called and spoke with them again to try to work out a repayment plan they refused my offer. I was also told that XXXX XXXX XXXX sent me a certified letter and made numerous attempts to contact me. I never received anything. I have emailed XXXX XXXX XXXX two times to try to work this out without a response. The company that was hired is extremely rude and nasty, they would not give me their address, fax # or any information for my own files I was told that " I do not need it ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed this account on my credit report as it has bad information all over it being reported. The account is for XXXX XXXX. 
Experian does not let me dispute it any longer unless XXXX upload documentation, which I have. The last dispute I made with the information was on XX/XX/XXXX, they did NOTHING accurate on it, Im not sure they even looked into as it came back UPDATED XX/XX/XXXX ( less than 1 day ). 
They changed the original balance from XXXX to a XXXX original balance. That's not what I was disputing, nor is that ACCURATE at all. Where did they even come up with that information to feel that it should be changed? Did this really get investigated, or did they just move an amount and call it good? 
they took off 1 late payment, when I disputed all late payments as there was 0 late payments to this account. It is now paid off and closed, but I still want MY CREDIT report to reflect ACCURATELY and Experian is not taking that serious. Lousy investigation.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX - XXXX - {$0.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

This is a request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) due to ( 7 ) accounts were verified that I disputed because Experian PUBLISHED/FURNISHED these accounts illegally without my written instructions. This is a blatant violation of FCRA 602 which states I have a right to PRIVACY and FCRA 604 ( a ) ( 2 ) states that a CREDIT REPORTING AGENCY namely ( EXPERIAN ) can not FURNISH an account without my WRITTEN INSTRUCTIONS This is NOT a request for another REINVESTIGATION nor for another REVERIFICATION!

This is a request for ALL the records that will reveal the procedures used that led to the ( 7 ) accounts to be verified.I gave NO Permission or any type of Consent to Experian for these accounts to be furnished on my Experian credit report. Therefore, I gave NO written instructions and ALL ( 7 ) accounts should be REMOVED!

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that I have a right to receive a description of the procedures used that led to the accounts to be verified along with the names of the person ( s ) you spoke with along with their names, address and telephone numbers that I should receive from Experian in 15 days.I disputed the accounts via CFPB # XXXX on XX/XX/XXXX. The results information is showing on Experian Report XXXX Date Generated XX/XX/XXXX and Experian Report XXXX Date Generated XX/XX/XXXX. 
( Screenshots Attached ) show the accounts were verified and still appear on my Experian report ( s ) currently. 
Again this is NOT a request for a REINVESTIGATION nor a REVERIFICATION. 
Send me the information that I am requesting in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) within 15 days in accord with this LAW or delete the accounts listed below due to lack of verification. 

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

To CFPB, I requested Equifax, XXXX, and XXXX to do a thorough investigation on my credit report to make sure all information on my report are accurate. Upon the agencies final review of their investigation, there was too many inconsistent information reported. 
Examples : The date the accounts was reported, the last time the company reported the account, documents to show I applied for the account In accordance with Fair Credit reporting act, ALL THESE ACCOUNT with account number has violated my rights. 
XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

To whom it may concern, My name is XXXX XXXX I live in XXXX XXXX, on the day of XX/XX/XXXX I rented a car because I miss my flight to XXXX, I use XXXX party app like XXXX to book a car it was {$18.00} per day and I bought a insurance thru price line time off rental no one said anything to me that car rental is only same state which is Florida and after they have seen my License is From XXXX XXXX when I got to XXXX merchant name XXXX XXXX XXXX They ask me to bring the car back to Florida I can not do that because I had to work, to make it easier I assist that I will drop this car at the airport and they can find a way to pick it up they refuse to pick the car up now its a day XXXX I left the car at my work I told them where is the car and Car Have a XXXX DEVICE so they know where is the car located it took them 1 month to pick the car up which is not my fault I am diabetic I have take insulin my work and my illness I can not able XXXX XXXX XXXX + hour to XXXX XXXXXXXX XXXX. On the day of XX/XX/2023 I got charged into my credit card for {$6100.00} I call capital one on that same day when I saw the change for XXXX I panic where this coming from my Credit limit is only {$500.00} And capital one let this happen and now they want me to pay this amount I have a job that I am making {$12.00} I can barely have food to eat after paying the rent I tried everything to ask capital one to dispute and they are not helping me at all I work so hard to built my credit I need help please help me this is why I am reaching out to consumers department because I need your help please..