23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Since XX/XX/XXXX Midland Funding has been reporting a debt that is not mine. During this time they contacted me multiple times a day. They threatened me over the phone, posed as lawyers, and told me that they where going to garnish my wages if I did not pay them the debt. During the time of the calls, I repeatly ask midland Funding to stop calling me, and to only contact me by written mail. I never received any letters from midland funding about the supposed debt that they claimed that I owed. In XXXX of XXXX Midland Funding attempted to sue me in small claims court. They never served me any notice, despite having my correct address of the time. They then proceeded to withdraw their claims to the court. The court case was dismissed on XX/XX/XXXX. During this time I was not contacted by midland funding, either through mail or by phone. I have since then been trying to contact Midland Funding. I have contacted them through all of their known address, including the address that was on the court documents. I have never been able to validate this debt, or have had a chance to disputed the debt with them. After years of trying to validate this debt, I disputed the debt with the credit Bureaus. After investigating the matter, both XXXX  and XXXX  determined that there was not enough information to determine the debt belonged to me in XXXX. During this time Midland Funding still never contacted me or sent any letters regarding the information that they have about this supposed debt. I have been attempting to contact midland funding while trying to dispute this debt with XXXX  Credit Bureau. I have never been able to reach midland funding until 2 months ago. Midland funding provided a piece of paper with the name of the original creditor, the original account number, a charge off date, and amount due. I reviewed the information given to me, and I do not recall ever having an account by the information that they sent me. I followed up immediately with a letter asking for more information. I sent the letter out 30 days ago, and have not since heard back from Midland Funding. They have refused to validate this debt in anyway.
Product: Debt collection

XXXX XXXX XXXX is trying to state that I was over 90 days past due on my auto loan. That is not the case. They are reporting to the both XXXX and XXXX negative payment history. I would like this information removed.
Product: Debt collection

I am filing this complaint against UNIFIN , Inc., regarding their attempt to collect and report a debt on behalf of XXXX XXXX XXXX XXXX XXXX, with XXXX XXXX as the original creditor. On XX/XX/2024, I received an initial collection notice from UNIFIN, Inc. regarding a debt of {$1300.00}. I immediately requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. However, as of today, I have not received adequate documentation to substantiate the legitimacy of this debt. 
Summary of My Complaint : Attempts to Collect Debt Without Adequate Validation : UNIFIN, Inc. has made initial contact in an attempt to collect this debt. In response, I requested specific documentation to validate the debt, including : Name and address of the original creditor, Chain of custody of the debt transfer, Dates of delinquency and last payment, and Proof of UNIFIN, Inc.s legal authority to collect debts in Illinois . 
The response from UNIFIN , Inc. has been insufficient, providing only a general statement of the debt without the detailed supporting documentation I requested to validate it. 
Reporting Unvalidated Debt to Credit Bureaus : Despite my request for validation, UNIFIN, Inc. has already reported this debt to credit bureaus, which is now affecting my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, reporting a debt without adequate validation may involve the transmission of inaccurate or unverified information, potentially damaging my credit standing.
Product: Checking or savings account

On XX/XX/XXXX I made a wire transfer of {$59000.00} ( CAD ) from my XXXX XXXX XXXXhecking account to a XXXX XXXX XXXX account with information listed below ; XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX XXXX  Accoun Number : XXXX Wire routing : XXXX Electronic transfers, payments and direct deposits : XXXX Bussines Address : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX : XXXX The money arrived XXXX XXXX XXXX two days later and after several days they still have not credited the account, the account holder called severally and XXXX XXXX XXXX  kept saying they are reviewing the transfer. Then my bank XXXX advised that we cancel the transfer and request for a refund, I went into the bank and signed the necessary paperwork to effect the request for a refund on XX/XX/XXXX, initially XXXX XXXX XXXX responded to my banks request and ask the we ask the account holder to visit a branch to authorize the reversal, the account holder did visit a branch and signed the paperwork and still XXXX XXXX XXXX hasnt returned the money. After waiting for over a month my bank closed the case and open a new one still XXXX XXXX XXXX didnt return the money. Last week they told the account holder that my banks needs to request again for they refund my bank did and still nothing from XXXX XXXX XXXX. 
I have been waiting for my refund for 4 months now and XXXX XXXX XXXX isnt responding to my banks request to return the money. Please I would appreciate a swift resolution. 
Below are my bank details with XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Financial Institution Number : XXXX Branch Transit Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 main credit reporting agencies with failed attempts for action. I want to remove personal information that I donot want on my credit report. The information is no longer accurate. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

In addition,15 U.S. Code 1681s2 states that the responsibilities of furnishers of information to consumer reporting agencies. 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. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 
The names on my credit report personal information are different people different spellings I have never applied for a card under these aliases or a loan under these aliases and addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX engages in predatory lending and illegally reports incorrect information to credit bureaus. I got a {$1200.00} loan in XX/XX/XXXX to buy furniture. I tried to pay it in full in XXXX of XXXX. In less than 5 months the interest they tried to charge me was {$1400.00} on top of the {$1200.00} principle. I refused to pay that amount and offered to settle for the principle plus 20 % interest and they agreed. I was also assured that nothing would be on my credit report. They reported negative payment information to Experian anyway. When I disputed it, they updated my payment history with a full year of payment history that never happened! They're claiming to have received payments from me every month after XX/XX/XXXX until XXXX of XXXX when they claim I missed a payment. I called to ask them to remove it and thay told me no.
Product: Credit reporting

I went to the dealership XXXX XXXX 2016 to get my radio repaired. While in the waiting area I spoke to a sales rep about wanting to get a GT model in the future. Next thing I know I get an alert from XXXX saying I authorized a inquiry. I walked to counter and asked him if he was running my credit because I just got an alert. He assured me that he was taking a peak. I never authorized him to run my credit and I have contacted them directly and they have not responded and it has been over 30 days. I already had my credit ran multiple times in XXXX, why would I approve to run it again, when I was just asking questions about a car, not buying another XXXX. This has been damaging to my credit and needs to be removed.
Product: Mortgage

Request was made on XX/XX/20 seeking loan forbearance to delay mortgage payments during the COVID-19 pandemic. I've been furloughed with reduced income. My monthly payment is {$2100.00}. Many lenders are allowing forbearance, whereas Rushmore Loan Management Services refuses.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued dissatisfaction and frustration regarding the unsuccessful second attempt to remove fraudulent items from my credit report. Despite my persistent efforts to rectify this issue, the fraudulent information remains on my credit report, adversely affecting my financial standing. 

I submitted a second round of disputes through your online dispute resolution platform, providing additional documentation and information to support my claim for the removal of fraudulent items. Unfortunately, these efforts have not resulted in the desired corrections, and the fraudulent information persists on my credit report. 

The presence of these fraudulent items continues to impact my creditworthiness, hindering my ability to obtain credit, secure favorable interest rates, and engage in essential financial transactions. I have diligently followed the prescribed procedures, including contacting your customer service department, yet the promised resolution has not been achieved. 

I understand the importance of maintaining accurate credit reporting and am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused significant distress and hindered my financial well-being. 

In light of the above, I request an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Additionally, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If decisive steps are not taken promptly to correct this situation, I will be forced to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told/informed XXXX, Transunion, and XXXX to reinvestigate and or remove these accounts : XXXX. XXXX XXXX XXXX > {$7000.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX. Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  > {$1000.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  > {$520.00} * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$620.00} XXXX EVERY * Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX > {$1400.00} * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX > {$730.00} * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$640.00} * Opened Date : XX/XX/XXXX XXXX. XXXX XXXX {$8200.00} * Opened Date : XX/XX/XXXX XXXX DISPUTES XXXX XXXX. XXXX XXXX XXXX {$5100.00} * Account # : XXXX * Date Opened : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX > {$8200.00} XXXX. Account # : XXXX XXXX. Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX {$340.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX {$640.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$790.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$620.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX XXXX > {$1400.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$920.00} * Account # : XXXX * Date Opened : XXXX, XXXX XXXX FRAUDULENT HARD INQUIRIES XXXX. XXXX  * Opened Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX * Opened Date : XX/XX/XXXX XXXX. XXXX  * Opened Date : XX/XX/XXXX XXXX. XXXX XXXX * Opened Date : XXXX XXXX, XXXX HARD INQUIRIES : XXXX. XXXX * XX/XX/XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : XXXX U.S.C. XXXX ( A ) ( XXXX ) [ 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 ], XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX, & XXXX U.S.C XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am again requesting that Experian comply with the FCRA and provide the requested information which I requested on XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. I requested : " description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, telephone number of any furnisher of information contacted in connection and documentation used to verify the dispute with this re-investigation '' As you can see from the attached dispute results, none of the information requested has been furnished on any of the investigations FCRA, Section 611, paragraph ( 6 ) ( B ) specifically states : ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) states a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Experian required to conduct investigations of disputed items with the furnisher of information and as such should be able to provide me withe the information per FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ).

I am requesting ALL of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX, My father is XXXX XXXX XXXX. I have disputed an item regarding XXXXXXXX XXXX  and XXXX XXXX XXXX that does not belong to me. Although I have disputed the item and demanded requirements under Section 609 of The Fair Credit Reporting Act, Transunion continues to allow the derogatory information to continue to be reported without requiring the two above named entities to comply with Section 608 FCRA which requires both above named entities to produce the specific time and date that I authorized my credit to be pulled and the specific contracts/agreements that I purportedly entered into. I have never authorized an account with XXXXXXXX XXXX  or XXXX XXXX XXXX in my name. The failure of Transunion to require the debt collectors to comply with Section 609 FCRA violates State and Federal Law which is in the jurisdictional enforcement of the CFPB. As of the submission of this complaint the erroneous information is still negatively impacting my credit report. In addition, the investigation by Transunion did not require XXXX XXXX nor XXXX XXXX XXXX to comply with Section 609 FCRA, this violates The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remover accounts : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft SYNCB/LOW Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX of XXXX Florida and XXXX XXXX XXXX, agreed to a 72 months Auto Loan Agreement on XX/XX/XXXX. However, due to a very challenging divorce that was financially destructive, I missed some payments, and made XXXX aware of my financial situation. During that time I was always in touch with XXXX, keeping them abreast, and paid whatever, and whenever I could. XXXX advised me that they would add the missed payments to the back end of the loan with out penalty. Not very long after, I eventually regained my financially strength and was able to continue making the agreed monthly amount, and sometimes a bit more. On XXXX of XXXX, I noticed that my original maturity date was in XX/XX/XXXX, so I reached out to XXXX and requested an explanation as to why my balance amount was so high, around my maturity date in XX/XX/XXXX. There were no sensible explanation given, and my maturity date and amount kept on changing. The maturity date kept on moving each month from XXXX and finally stopped in XX/XX/XXXX, when XXXX reached out to me, and tried to get me to extend the loan. Due to Covid-19 and lost of job and income, I was unable to pay the large amount of over XXXX XXXX dollars, which was the maturity date amount, and was very curious about why there was such large balance after 7 years of payments on a {$16000.00} agreement. Again I reached out to XXXX for an explanation, but was threatened, and XXXX  off the phone without any solid explanation. In XX/XX/XXXX I reached out to an accounting firm and they requested the original agreement, which I later acquired a copy from XXXX, after several failed attempts. The accounting firm conduct a review of the agreement and concluded several illegal charges, and further advised me to seek legal council to dispute the alleged over charges. While working with a XXXX XXXX, I then continued making my monthly payments until XXXX of this year XXXX when I paid off over XXXX XXXX dollars, which finally brought the balance to a XXXX balance. However, I noticed a major drop in my credit score, and later realized that XXXX reported my payments late since XXXX of XXXX through to XX/XX/XXXX, and a charge off of over XXXX XXXX Dollar balance was also reported on my credit as well. Lastly, It was also reported on my credit that the loan agreement was an 84 months agreement, when in fact was a 72 months agreement. I know that I missed some payments during my divorce periods, and therefore is not disputing those late or missed payment, but based of the ( FCRA ), XXXX violated my rights in negatively reporting false information on my credit files. Therefore, I am requesting an immediate removal, and an investigation regarding the legitimacy of the additional charges, as well of the term of the agreement. On top of all the errors made by XXXX, I have also attached a copy of correspondence received from XXXX followed by calls related to the attached letter in error.
Product: Debt collection

Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : CAPITAL ONE AUTO FINANCE # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent notice to the following company requesting validation of an allege debt owed pursuant to 15 USC 1692g ( a ) XXXX and XXXX XXXX. They never responded. I followed up with a cease and desist notice on XX/XX/2024 pursuant to 15 USC 1692 ( c ) giving them thirty days to respond and still no notice. I never gave this company written or verbal consent to furnish anything to any reporting agency. This is affecting my reputation and my character. If this company can not provide any of the following, I have requested for them to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2021 I received a credit alert saying my credit score decreased 5 points for no reason. They never listed an offense or stated a valid reason. This is FRUAD. On XX/XX/2021 I had an 8 point decrease for no reason. I have a perfect payment history and nothing has happened to warrant such a substantial decrease and I am waging that this behavior from Experian is FRUAD!! Make corrections immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, there was a hard inquiry made to my Equifax report from XXXX XXXX XXXX. I did not apply for anything and believe that I am a victim of identity theft. I filled a dispute with Equifax, but they say that it is a valid report and refused to remove it.
Product: Checking or savings account

On XX/XX/year>, I made a payment of {$76.00} to zero out my business line of credit ; the figure was provided to me by the bank. When my statement date XX/XX/XXXX through XX/XX/year> came, it reflected the payment applied to principal, interest, and fees. I called on XXXX to find out what the fees were for as I only have an annual fee due in XXXX. I was advised a ticket needed to be opened and was provided ticket number XXXX and to allow 24-48 hours. I called each day after that with no resolve/answer, being transferred from department to department. On XXXX I asked for a supervisor and was told that a supervisor would not give me any additional information. I asked if the call was recorded and that I would hold for a supervisor. After some time the agent advised the supervisor was busy with another customer and would call be back. I was given the supervisor name of XXXX. The supervisor did not call me back. I called everyday from XXXX XXXX XXXX, each call being roughly 30 minutes to find out what fee I had been charged and nobody could tell me what the fee was for and only advise more time was needed to look into it.