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

Midland Funding is representing that the debt has not been paid. Midland subcontracted the debt to XXXX XXXX and the account was settled. Midland then represents to the XXXX major bureaus that the account has not been paid. Midland also told me that the credit entry would be deleted once it was paid due to their policy that the debt was over 5 years old. The three credit bureaus are not investigating the disputes, they are simply saying that the debt was verified. Experian reported on XX/XX/XXXX that the debt exists. Contrary to the following : Congratulations, your Midland Funding LLC account is now settled! 

For your records, here are the details about your payment : On XX/XX/XXXX XXXX, you made a settlement payment of {$350.00}. You paid with a XXXX with last XXXX digits XXXX and expiration date XX/XX/XXXX. 
We are happy to confirm that this payment settles your balance with Midland Funding LLC. 

Provided that any payment you made is not returned unpaid, we will report to Midland Funding LLC that this account is settled and no further attempts will be made to collect on your account. 

Thanks for working with us.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Charged off XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$5600.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Company Inquiries 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

on XX/XX/2023, i received letters from XXXX XXXX  XXXX announcing they have closed my personal credit card and 2 other business credit card due to the Transunion credit reporting saying unsatisfactory performance on my credit card! 
I called, no one could explain more than Transunion reported that to them ... no investigation if this was true or anything .. this is PURE violation of my rights! my credit score is at XXXX! never been late, missed a payment, over used my card more than 10 %! 

and Transunion marked the closed account as : canceled by credit grantor!! it is absolutely FALSE! 

They closed my account associated with my social security number without my permission nor providing reasonable proof! 
I demand they reinstate my credit card and give me damages for this! it is against the law to provide false information on my report and they caused my businesses a lot of issues as their false information terminated my accounts too. I am not letting this pass, i know my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bill ( A Medical Collections Bill ) was reported on my collections in the amount of {$120.00} to the account in XX/XX/2020.

According to the law that all three bureaus -XXXX , XXXX  , and Equifax ( see attached document ), the bureaus need to wait 180 days ( 6 months ) before adding the record to the consumer 's credit report.

Instead of waiting for 180 days, the bureaus reported the medical collection within 30 days. I was getting ready to apply for a home and my score tanked about 70 points.
Product: Student loan

I took out a Citibank loan while attending XXXX XXXX University as an international student. This loan has since been sold to XXXX XXXX XXXX XXXX whose account ends in XXXX with a reference number # XXXX. 

Currently Citibank is still reporting that I have miss payments even though I pay XXXX XXXX XXXX a $ XXXX  monthly fee. I need Citibank to stop reporting missed payments for a debt they no longer own.
Product: Debt collection

Entry appeared on my credit report, no communication from this company via mail nor phone in regards to this. Attached is a copy of a letter sent to them on this date requesting verification before legal action is taken. 

Copies sent to listed companies.
Product: Credit card

I was in Wisconsin XXXX, WI, when I started receiving alerts that transactions were being attempted on my credit cards in XXXX, OH. One of those alerts was from Comenity Bank for my Jared Jewelers, saying that there was an attempt to charge my card for {$6900.00}. I responded saying that I did not make that transaction, and it said the issue was resolved. I later received an email receipt for jewelry purchased in the Jared store in XXXX, OH. I filed a fraud claim with Comenity, and after 3 months, I received a letter in the mail stating that I had no basis to my claim and they would be putting the {$6900.00} back on my credit card for me to pay. I had also filed a police report back in XXXX with the XXXX Police Department, in XXXX, WI. The case number is XXXX. The Detective was able to get video footage, showing that 2 XXXX men, were the ones that were in the store and bought the jewelry. I am a XXXX  male. They did not have my physical credit card. However, the video quality is not good enough to get an actual ID of the people.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Received XXXX calls from hidden number. Finally answered referred me to another number with a file number. No clue what loan they are talking about have all my information including ssn they read it off to me over the phone! called my boss at work and said they were going to call my family
Product: Debt collection

I have student loans from 1994 from NAVIENT. I have made good faith efforts to repay, but have been unable to do so. I currently have XXXX kids in college and XXXX in high school. I am unable to pay. I sent a letter via certified mail requesting them to cease contact. I received the certified mail card back. They still continuously call me every single day, sometimes more than once a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Experian for credit validation/verification. I just received a letter yesterday XXXX/XXXX/19 from them stating they will not re investigate my disputes with them on my negative accounts. I have sent them XXXX letters so far though XXXX certified mail regarding these disputes XXXX/XXXX/19 and XXXX/XXXX/19. Under the Fair Credit Reporting Act they are required to re investigate. Also I have ask for proof of debt and how they have verified this debt. They have failed to show me adequate proof that the debt is mine for example : original contracts for these negative debts and XXXX collections
Product: Credit card

Examine the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, but they erroneously report me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, and repaired. 
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

I submitted disputed along with an FTC report for this fraudulent account : XXXX {$1000.00} This fraudulent account has not been deleted from my credit reports ( XXXX  & Equifax )
Product: Checking or savings account

Back in XX/XX/2022 through the XXXX of 2022. There were some fraudulent deposits into my bank account which was linked to my cash app account. They deposited fraudulent checks then withdrew the money right away and then did some transactions in my cash app also trying to and they did a purchase through bitcoin. I spoke with Cash App to try and resolve this and get my money back and they denied me. It was in a total of about {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the furnisher XXXX XXXX  dated XX/XX/XXXX regarding the negative items reflected on my account. I've mailed debt validation date XX/XX/XXXX and method of verification letters dated XX/XX/XXXX to the 3 bureaus. I received a statement from XXXXXXXX XXXX dated XX/XX/XXXX that this account was already sold last XX/XX/XXXX. 
Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit card or prepaid card

I have had my credit cards for many years with TD now, and have had excellent payment and credit history. I called customer service today to ask if I could be considered for a lower rate on my cards and was told that the current rate is the rate I qualify for and there was no one else I could speak to. I asked if he ran my credit to make that statement and he told me he did not. I explained to him that my credit has improved since i first got the cards years ago, but he still offered no assistance. I have banked with other banks and this is a common practice-to review a longstanding customer for consideration of a rate reduction. I would hate to move my business to other banks just because you would not consider me for a rate reduction, as I have already been offered lower rates to transfer my balance to other banks, but I declined.
Product: Credit card or prepaid card

I have a Lowes CC through Syncrony Bank. I paid off my account on the due date of XX/XX/XXXX They assessed a late fee on XX/XX/XXXX a day before it was late. They said it would be reversed when the payment posts, but in my opinion I should not have been assessed a fee until XX/XX/XXXX at least. Also, if it takes them 24-48 hours to post the payment, the fee should not be assessed until they get payments posted for that day. I paid online through their website so they knew about the payment when I called them. This is heavy handed unfair practice and makes me feel like I am required to pay before the bill is actually due.
Product: Checking or savings account

On three dates, my bank statement showed ACH payments to Goldman Sachs BA Collections, as follows : XX/XX/2020 for.. {$100.00} ; XX/XX/2020 for.. {$940.00} ; XX/XX/2020 for {$1700.00}. 

None of these payments we authorized by me.
Product: Credit reporting or other personal consumer reports

Formal Dispute Failure to Verify Account Per FCRA I am formally disputing the reporting of an account by Midland Credit Management on my credit report. Since XXXX, I have repeatedly requested that this account be investigated for inaccurate, incomplete, and unverifiable information. However, no action has been taken to correct or remove the account.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate disputed information within 30 days. Furthermore, Midland Credit Management, as the furnisher of information, is obligated under FCRA 623 ( 15 U.S.C. 1681s-2 ) to provide proper verification and has not done so.

Verification must include : - The name and contact information of the original creditor. 
- A complete payment history. 
- A signed agreement or contract proving my obligation to the debt. 
- Proof that Midland Credit Management has the legal authority to collect the debt. 

Since the company has failed to provide this documentation, the law states that any unverified information must be deleted from my credit report per FCRA 611 ( a ) ( 5 ) ( A ). I request the immediate removal of this account and a written confirmation of the action taken. 

Sincerely, XXXX XXXX ( XXXX )
Product: Checking or savings account

I contacted Synchrony Bank before XXXX to advise their employee that I had a CD ending in XXXX maturing XXXX and their employee repeated advise me that the promotional 9 month APY rate of 4.3 % would still be valid on my XXXX renewal date despite the end of their promotional date since I had provided renewal instructions before the end of the promotion! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be updated or corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get adjusted immediately : XXXXXXXX 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
Product: Credit card

Discover claims my payments for their XXXX accounts with them were each 1 day late last month. They raised the amount of my payment on each, charged a late fee on each, and increased my interest rates on each. I filed a complaint with the BBB of the area, and requested contact be made via mail, but Discover started to bombard my home with phone calls. The XXXX time they called, I was out getting groceries and they spoke to my husband, which is against the law. His name is not on my accounts. I mailed my payments in plenty of time for them to get to them, and paid more than the minimum payment due on each! It so happens there was 1 day the mail did not run in XXXX, due to the winter storm, and if in fact the payments did not make it in time, that is most likely why. I have no control over the weather, or when the post office might close, but truthfully, I believe the payments got there, and they set them aside so they could claim late payments. It would n't be the XXXX time they have done this to me. I mailed their payments 6 days before the due date. They usually receive them within 4 days of the time I mail them, so something fishy is going on here. They are ringing my phone off the hook, and refuse to make it right, even after the BBB complaint. They have already called XXXX times today alone, and I know they will call more. I have documentation.
Product: Payday loan, title loan, personal loan, or advance loan

They say I own XXXX they never worked out a payment deal with me
Product: Payday loan, title loan, or personal loan

Im a single mother I borrowed {$300.00} this pay back chart has paying back {$600.00} this is crazy!
Product: Mortgage

My mortgage loan originated XX/XX/XXXX. In XXXX, I applied for a home made affordable loan modification but was denied. Wells Fargo informed me that I could do a short sale. My realtor submitted several offers to them for a short sale and they refused them and proceeded to foreclose on the property in XX/XX/XXXX. On XX/XX/XXXX, I contacted Wells Fargo 's Enterprise Complaints Mgmt Office letting them know that I felt my home had been wrongfully foreclosed and was given a case number and assigned a representative. XXXX XXXX is my Case SpecialistXXXX XXXX XXXXXXXX. I have received four different letters stating they need more time to finalize their research. I feel they are are not taking the situation seriously. I was told that another letter is in the mail stating that they should complete their work by XX/XX/XXXX. That will be two months from the date that I reached out to them.
Product: Checking or savings account

Concert tickets were purchased XXXX XXXX, using a debit card on XX/XX/2022 for an XX/XX/2022 show at XXXX XXXX in XXXX Massachusetts. 

On XX/XX/XXXX an email was received indicating the show was rescheduled. with a date and time of the rescheduled concert. 

XXXX XXXX indicated the wrong time for the rescheduled concert. 

We missed the concert because of this error of time clearly shown in the email XXXX XXXX sent. 

Bank of America claims the dispute should have been filed within 60 days of the purchase. 
Bank of America has issued a temporary credit which they indicate will be reversed because of prior knowledge in these cases. 
XXXX XXXX claims it is responsibility of ticket holder to confirm rescheduled times. 
However XXXX XXXX accepts no responsibility of sending an incorrect time for the rescheduled in an email. 
The full price for tickets should be refunded back to the debit card in amount of {$150.00}
Product: Debt collection

Midland credit collection went into my bank account and stole funds from my account for a bogus credit card account that was paid off in XXXX with which I have a copy of my credit report stating that fact with XXXX lates reviewed for 48 months. Midland credit took XXXX unauthorized on an account that was paid off. I first contacted the company on XXXX/XXXX/XXXX. It took so long because of everything that was going on I did not utilize credit. When I realized who the companies were that fraudulently took funds out of my account I began to call them. Midland credit despite having no outstanding account admitted to taking the funds. I faxed over a police report as per their request when really I did n't have to because this is an unauthorized charge that was well over XXXX years old. In speaking to the supervisor, he told me that the police report I obtained from the XXXX RI police Department was not a real police report. Wow, I could n't believe my ears and the fact that they are going to these lengths not to pay back funds taken without my permission on an account that i did n't owe anything on. On XXXX/XXXX/XXXX when I called, I was told they had no documentation. On XXXX when I called, I was all of a sudden told they had documentation. I told them I wanted to hear or see where I authorized this charge. That is the bottom line it was not authorized by the account holder and they decided to help themselves and go in and take funds that were not even owed to them. The supervisor told me he was waiting for the manager in XXXX XXXX to get back to him.
Product: Debt collection

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated 5-day timeframe. 

How can it be that your bureau dares to dismiss my legitimate claim? Who are you to sit in judgment, claiming to know better than I whether I have been a victim of identity theft? Your refusal is not only maddening but an affront to decency and fairness. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I want to make it unequivocally clear that I am not about to let this gross miscarriage of justice stand. If you persist in denying my rightful claim, be prepared to face the consequences. I will not hesitate to engage my attorney and pursue a legal remedy to rectify this outrageous situation.

I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here.
Product: Mortgage

Hi, on XX/XX/2018, I received a letter from Carrington mortgage services llc, ( Letter attached ) on the letter says that they will automatically will increase the mortgage payment based on " MY DOCUMENTS AND LAW '', and I want Carrington answer the following questions : 1.-What documents and law they talking about on their letter?

2.- Why they want to automatically increase the mortgage payment without notice?

And the most important.

3.- Does Carrington mortgage services llc already read the CONTRACT I signed the loan at XXXX XXXX and XXXX County ? 
4.- What part of the contract they don't understand?

5.- Does Carrington want to apply their own rules on this mortgage?

6.- Why they want to withdraw money from my account without notice?

I want Carrington to answer these question to me, and to the CONSUMER FINANCIAL PROTECTION BUREAU THERE IS A CONTRACT, and they need to read it.