23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( IC SYSTEM ) for committing identity theft. I have never given ( IC SYSTEM ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( IC SYSTEM ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( IC SYSTEM ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( IC SYSTEM ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( IC SYSTEM ) continues its collection efforts, I will file for litigation for actual damages caused and ( IC SYSTEM ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent in a compliant to XXXX XXXX about how Experian is reporting this account. I spoke to XXXX with XXXX XXXX XXXXXXXX XXXX who stated they are not reaging the account. It is XX/XX/XXXX and my account is reporting XXXX voluntary surrender. Please explain how a car from XXXX is reporting as XXXX? I want this fix by XXXX XXXX so it can be reported correctly. XXXX XXXX made a business decision to close the account on XX/XX/XXXX but that should have not affect my credit reporting dates. I do not want the excuse it Experian doing this because it is the information that XXXX XXXX is giving them. I want proof that XXXX XXXX is telling Experian to state First Delinquency date should be reporting and it should not have a closing date of XX/XX/XXXX because of the business decision you made. You really do not think this is re-aging if it is not what do you call if it the car was surrender in XXXX but is reporting XXXX? I do not get it. I want to someone from XXXX XXXX to call Experian and get this straight out or I need a letter in writing stating this account should reporting XXXX voluntary surrender not XXXX when XXXX XXXX did the business move to closed the account. Once again, I do not want to hear it is Experian it is XXXX XXXX so please fix this. I'm asking for this to be fixed. I will not accept it is Experian as an answer. It is an easy fix to call Experian and let them know to update my account to state XXXX for voluntary surrender. I did not have a contract with EXPERIAN I had a contract with XXXX XXXX so I need you to fix this!
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$720.00} ; XXXX XXXX Balance : {$580.00}.
Product: Credit reporting

As I am reviewing my credit report I see some items that are not mine. I 've never lived in XXXX and notice some credit information which I have created a police report in XXXX around XX/XX/2005. I also see some items involving XXXX and XXXX which are not mine as well. I will.like this matter investigated and cleared from my credit report. 
My contact is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

am submitting a complaint regarding inaccurate personal information on my credit report. My correct address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and my correct date of birth is XX/XX/year>. However, my credit report contains incorrect personal information, including wrong addresses and incorrect dates of birth. The accounts that are charged off on my report have wrong DOB & street address that are not mine. As senior citizen this violating my rights This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ), which requires credit reporting agencies to maintain accurate personal information. I request that any accounts or information associated with incorrect personal details be promptly removed or corrected. 



Please investigate and ensure that my credit report reflects accurate and up-to-date information, and that any false data is deleted immediately, in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to give me a copy of my Equifax report for over a year now. Also according to a background check Im listed as dead. There is also a spouse /guardian listed on my credit report there are incorrect names and addresses that I have never had. Security questions that are not real end to me. Which brings up red flags all of the issues that I have mentioned are on XXXX and I cant even get an online report from Equifax.
Product: Debt collection

Midland Funding is reported on XXXX  and XXXX credit companies as a debt of {$1600.00} I do not owe. I have sent numerous letters via certifed mail requesting proof of my signature as well as who signed a contract for this debt. However, Midland Funding continues to fail to respond with proof.
Product: Debt collection

Called me at my work business number. Followed by calling my work distrubution of my SS # &  DOB  requesting confirmation of employment.
Product: Mortgage

I contacted my current mortgage company to inquire about refinancing my loan to shorten the term from 30 to 25 years. After speaking with XXXX I submitted an application based on the terms he presented. I was provided with an extensive list of verifications to gather and submit and completed an application over the phone with XXXX. After several days of repeated requests to submit and resubmit the same paper work, I grew frustrated and wrote an email to XXXX informing him that the process was taking too much time from my business day and I didnt care to continue if there would be more paperwork required. XXXX wrote back to indicate he only needed a pay stub and after that he was sure the underwriter would approve the loan and there wouldnt be the need to continue searching for and sending documents. Based on his email to me, I agreed to provide him with the {$500.00} non-refundable fee believing that he was operating in good faith and i would proceed toward a loan. After sending them the funds and waiting a few days I got another message from XXXX indicating that the underwriter now wanted another 8 or 9 pieces of documentation, many of which would take hours and even weeks to obtain, and several that had been submitted previously, some of them more than once. I called to complain and was connected with a supervisor, XXXX, who proceeded to tell me that I never qualified for the loan in the first place and should have been stopped at the application because I do not meet their income to debt ratio. At this point I dont care about the loan, but am curious and very angry about a mortgage lender taking money from me for a loan he knew he could n't make, and worse, wasting significant portions of my time providing documents when the loan had already been essentially denied due to failure to meet credit standards.
Product: Credit card or prepaid card

On XX/XX/2018 XXXX XXXX XXXX, Credit Card Division requested a balance transfer which was an error. I spoke to XXXX XXXX customer service who instruction me to contact Bank of America on the electronic error of {$1800.00}. Supposedly, XXXX stated I needed to contact Bank of America to correct error and have them send back the money to my account. I did that and later received a letter of confirmation of them sending the money back. I called them a second time about the transaction getting back into my XXXX XXXX account. The rep stated that the money must go back to the account it came from and will be held in 7- 10 days. Nothing happen so I followed back up after XX/XX/XXXX and called again. Different rep ( XXXX ) and did some research who stated the money is going to mt business checking acct with XXXX XXXX, which is not back on my Visa credit card acct with XXXX XXXX. Again, expect 7-10 days. Nothing again and I called XX/XX/XXXX and spoke to XXXX with Bank of America, now she is telling me they are mailing me a check. I called again because of the mixed message of funds being released and where, plus received another letter XX/XX/2018 stating they mailed me a check but never cashed. Well, my wife and I check our mail daily, but never received anything. So, I believe Bank of America reps are lying and flowing money to make interest!!!! Another problem, the last two calls I ask for an XXXX or Department manager on the Escalation Division, but not able to or nor did any rep call me back after they said they would research with more information. Still have not received my money and it's XX/XX/XXXX now!!! The contact information in the letter is the following : Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, XXXX XXXX XXXX, XXXX, case numbers XXXX and XXXX. 
If consumers are smart don't do any business with Bank of America. Poor consumer service, will tell you lies to get you off the phone, have no integrity and honesty. Bank of America is to big and do not care for consumers!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX is an account that fails to meet the industry standard for accurate reporting and this is an account I don't recognize. First, there is no reporting whatsoever coming from XXXX as this is a falsely reported account and was already taken deleted by them. Second, I see no evidence of a XXXX XXXX XXXX XXXX on my record so from my understanding from speaking with Experiand and Transunion representatives this could be a Mixed or Merged file. Third, the payment status for TransUnion remarks current and the payment status for XXXX remarks Wage Earner Plan? Fourth, the date last active states XX/XX/XXXX for XXXX and XX/XX/XXXX. Fifth, there is inconsistent reporting for Date of Last payment with it being blank on XXXX and then reporting XX/XX/XXXX for TransUnion. The two-year payment history is absolutely inconsistent as well. Ultimately, I have sent numerous correspondence on this item with no followup. Please see enclosed screenshots below.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the debt collector and bureaus about XXXX XXXX XXXX reflecting on my credit report. I request validation from bureaus they removed and reinserted without given me the proper notice on why? I contacted the debt collector and they sent me my medical details violating my rights. I did not sign a hippa release form for them to have that information. I contacted XXXX  and Experian about the hippa violation and the failed to remove the collection from my report.
Product: Debt collection

On XX/XX/2018 at XXXX EST I was contacted by a company that refused to declare their intent before attempting to collect information from me. 

There was no abusive or profane language, it was the only option I could select. 

When I was contacted by this company they told me the call is being recorded and declare their company name, but they refuse to 'mini Mirandize ' me and properly declare themselves as debt collectors or as my creditor. They then proceed to try and collect personal information, such as my date of birth, in order to verify my identity. 

I believe that this " deception through omission '' ( refusal to affirm or deny their intent to collect a debt ) BEFORE asking for personal information violates " 15 U.S.C. Section 1692e ( 10 ) & ( 11 ) ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, About 5-6 months ago, I tried to cancel my card before the annual fee was issued in it. I contacted XXXX, and they closed the card. Not the account. I didnt have access to my online portal. Upon coming back from vacation, I noticed I had mail from XXXX saying I didnt pay. I was worried because I didnt wan na ruin my credit score. I instantly tried to go on my citi account online and pay even if it isnt my fault. But I didnt have a card anymore so I couldnt reset my password and make the payment. I contacted XXXX via the phone and the customer service rep told me not to close my card, he solicited me to keep my card and that Ill get a XXXX $ credit to use which will offset my XXXX $ balance. I said okay thats fair, and ordered a new card. I tried using the card and it got denied. I contacted XXXX again and yet again they confirmed I just need to use XXXX $ and the balance will clear. I tried using my card again and still nope. And this final time I spoke with XXXX just now, the guy was threatening to report me for refusing to pay my bill. They misinformed me multiple times and this is affecting my credit score. I dont know how to report them for constantly giving me different information but this has been exhausting and frustrating.
Product: Mortgage

XX/XX/ my HELOC was suspended and since that period the interest rate has increased from interest only 1 % of balance to 13 % and climbing. My balance is approx {$11000.00} and I have not had available credit since XX/XX/. Since the line has been suspended how can the interest rate continue to increase and I have no access to the line other than making payments. If the line is suspended so should the interest. Please help me get a satisfactory explanation. Thanks
Product: Credit reporting or other personal consumer reports

The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. 
XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

i am a natural person, i am a livng human being. i have right under 15 usc 1681 XXXX  is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give experien written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I have rushcard prepaid service there was an update about 2-3 weeks ago to the system this is still ongoing and putting a hold on their customers accounts prevented them from getting funds I 've worked my XXXX off for the past two weeks, life does n't stop because of an update bills, groceries, etc I have to go without because their systems are cheap and XXXX. This is a horrible way to do business especially with people you 're entrusting your money to, I 'm not a millionaire like the owner, plus when calling customer service the wait is over an hour plus they hang up on you go figure!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received onXX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT XXXX. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not familiar with this item on my report and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXXXXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUntitled XXXX XXXX Subject has not satisfied debt. XXXX -Untitled XXXX XXXX Subject has not satisfied debt. XXXX -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 an account without my written instructions.
Product: Mortgage

1. We attempted to work on a new loan modification with Bank of America and then XXXX but were denied. For years, we continuously submitted document after document being requested only to be denied for failure to submit documents ( which was untrue ). 
2. On XXXX XXXX, XXXX, Bank of America/XXXX sent my attorney a letter stating they received our request regarding a loan modification and it was referred to a specialist. 
3. On or about XXXX XXXX, XXXX, we received a letter BOA/XXXX, stating that we were denied a loan modification " after being offered a Trial Period Plan or modification, you notified us that you did not wish to accept the offer ''. This was not true as evident by the payments made by us from XXXX XXXX through XXXX XXXX. 
4. In XXXX XXXX, we were offered and accepted a trial loan modification plan. For almost two ( 2 ) years, we were making our monthly payments from XXXX XXXX until XXXX XXXX, without a problem. 
5. In XXXX XXXX, we sent in a payment and our check for the trial period amount was no longer accepted by the bank and it was returned because it was not the full amount. This was through no fault of ours and we were baffled as to why this sudden halt in payments and in the agreement. 
6. After two years, BOA decided to stop accepting the payments from us arbitrarily and without cause. They sent a letter denying their loan modification. 
7. Since then, we have been attempting to return to their modification plan and have received nothing but a mouse chase around from the Bank of America representatives. Our intentions are to keep the home for our family. We were being considered for the Department of Justice loan modification prior to their denial. 
8. We have been attempting for years to work out a deal with the bank. Last year we attempted to work out a keys for cash deal and because we could not clear the title due to old releases not being filed by the banks, however we were unable to do same. 
9. We ca n't provide what we do n't have or ca n't get. 
10. Now we are being told that our home will be put on auction. We feel railroaded and without options other than accepting the auctioning of our home.