23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My small business closed in early XXXX. About one year later, the bank account associated with my business was debited by a " Merchant Service. '' Initially, the debits were small, {$39.00} each month, they went unnoticed. Late XXXX, a debit for {$300.00} appeared on my statement which finally alerted me something was not right. I went to my bank ( XXXX XXXX ), explained that I suspected fraud on my account and requested that all activity be halted on the account. In XX/XX/XXXX, it became necessary to close the account altogether because the bank could not stop the debits as they were " contractual. '' I was informed that " Merchant Services '' was, in fact, a company named XXXX ; I did not have a contract with this company, nor did my small business when it was operating. I contacted XXXX immediately, by phone and email, numerous times. XXXX is a subsidiary of XXXX, which is part of Global Payments , Inc . In total, my business account was debited {$2500.00}. On XX/XX/XXXX, I was informed by XXXX XXXX, a customer service manager with XXXX that I would be awarded {$940.00}, " totaling 6 months of refunds as a goodwill gesture. '' Since his response email, Mr. XXXX has not returned my phone calls or subsequent emails, nor have I been refunded any of the fraudulent merchant service charges. In short, XXXX XXXX XXXX began debiting my business account nine months after my shop closed without a contract or agreement for a total amount of {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to reinsert an address that doesnt belong to me and I have never lived at this residence. I have had this address previously deleted in which Equifax sent me a confirmation letter stating it was deleted and they recently this address. They are also reporting a name on my file that doesnt belong to me and I want this name deleted. I will be providing a copy of my drivers license in this complaint as well as a copy of my utility bill to verify my identity.
Product: Debt collection

On XX/XX/2024 I sent a certified return receipt letter ( receipt from recipient received= wherein I requested a debt validation to Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My requested consisted of the specific following items : *A copy of the written agreement or XXXX that created original requirement to pay, if it was counter-signed and dated? 
*If they are asking that I pay a debt that somebody else is or was required to pay, to identify that person. 
*Provide verification and documentation about why this is a debt that I am required to pay. 
*Any and all documentation of the lease agreement that was contingent upon a guarantor signature which would have been required of me due to lack of credit history ( see XXXX credit report did XX/XX/2024 ). 

I received a letter dated XX/XX/2024 from the collection agency which included a validation of debt with XXXX XXXX XXXX, and XXXX of move out charges. 

I have a copy of my credit report from XXXX that shows I have no credit history. It also shows that I have reported the account to CFPB, which I have not. 

There was a separate complaint completed by XXXX XXXX in XX/XX/2024 to CFPB wherein she requested proof of debt. The company response was that XXXX XXXX was released from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. These creditors reported as collection accounts. These companies are XXXX, XXXX XXXX XXXX, XXXX, and Citibank. I am asking for these companies to remove those accounts because they are incorrect.
Product: Debt collection

On XX/XX/2019 dept recovery solutions file on my credit I owe them {$680.00}. I do not I have never done business with the company ever before.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

I sent in documents to chase mortgage for a loan modification to get approval when i go approve XX/XX/18 i sent in a payment before XX/XX/18 of XXXX 3 month trail period then i receive aletter 3 weeks state that my loan modification was cancelled so my home is active for foreclosure and chase refuse to help me. please help me resolve this matter where i want lose my home because i am harding a hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing Trans-Union for not deleting my 7 hard inquiries on my credit report and not correcting my debt use any my age of credit history. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX told my that they do soft credit pulls and it won't show up on my credit report, That Fraud because it's on my Trans-Union and I told them that if it's not a soft credit pull don't run my credit because I'm trying to purchase a Town-home and on there app it says the same thing. XXXX XXXX, XXXX XXXX, XXXX, are fraud from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, LA. XXXX. XXXX. A car-salesman named XXXX XXXX. Told me that they did in-house financing and didn't run credit reports, That's fraud because he place almost 12 hard inquiries on my credit reports and they lied and harass me over and over again to unlock my XXXX credit report but I didn't. That's is fraud and harassment and it's someone on XXXX XXXX XXXX that left a similar review, they are sitting back and destroying the consumer credit report and the state of Louisiana is aiding and assisting because they are still in business. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX Iv'e been disputing over and over again and I get nowhere with Trans-Union..
Product: Student loan

On my credit report is my ex wifes student loans and it showed me being a co signer? 
I have a letter of documentation stating she is responsible only
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureau via called, faxed and mailed and no action have be taken with the unauthorized inquiries. can you please help me out. 
THANK YOU.
Product: Debt collection

In response to MIDLAND FUNDING MANAGEMENT, per CFPB complaint XXXX this company has stated they filed suit against me. Per the Fair Debt Collection Practice Act 15 USC 1692i Legal action by debt collectors ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. The law prohibits debt collectors from taking legal action. A summons was not served to me. I did not receive a summons regarding this matter. The validation documents that were said to be mailed and delivered was not received. Per 15 USC 1692g we are allowed to request the chain of assignment regarding the alleged debt, a contract bearing our signature, and if there is insurance on the debt. We are allowed to ask questions legally because of fraudulent and deceptive practices by unlawful companies and their erroneous behavior. A debt has to be legally, accurately, and adequately proven in order to be validated. Information can in fact be fabricated so it is a legal right to request this information as there are in fact debt collection companies who have been banned, flagged by the FTC for habitual abusive and deceptive practices and behavior. We have a right to ask questions and to request relevant information because it would be ignorant to do as you say without legitimate proof of claim. It has also been noted that MIDLAND FUNDING MANAGEMENT communicates with symbols in their letters which is prohibited by the FDCPA per 15 USC 1692f ( 8 ) ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. It is my legal right to request information regarding my private information. I also requested proof that MIDLAND FUNDING was legally given permission to obtain my personal private information such as my SSN per 5 USC 552a Privacy Act of 1974. I am still requesting this information. As you attempt to collect any debt it is imperative that you follow all legal compliance procedure exceeding that of the Debt Collection Rule under the FDCPA. I am also aware that this collection company has not furnished information accurately to my consumer report. The date the account was posted/open does not reflect the payment history of the account when the notation was first marked with the collection notation. The account was notated to months after the account was open. This is in fact inaccurate, and it infringes the FCRA 15 USC 1681s-2 and 15 USC 1692d ( 1 ).
Product: Credit card or prepaid card

I have a checking account at the citibank and they offered me credit cards applied when I add my sister on my credit card Visa Signature and she wanted to use it on the first purchase {$1800.00} dollars in the XXXX store the card was blocked she called to the bank I spoke with an operator and then this proceeded to call me asked my data and told me that there was no problem that could use it. My sister proceeded to pay and the cashier on XXXX store told her that the credit card was a fraud order. I went to the store while I was driving the car. I talked to the card operators many times and believed that I listened to the music for a long time and how they cut the connection. It was 8 calls that were missing 20 minutes for the store to close and I had to use my other XXXX credit card which if it worked without any problem. My CITIBANK VISA SIGNATURE credit card was also blocked. I proceeded to pay online and then to cancel. Really It was horror time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, transunion, and XXXX to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 sec. 602 A. states i have the right to privacy.

15 USC 1681 sec. 604 A sec. 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) 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. Everything being reported is inaccurate and i have never given written instructions to report anything from the beginning of the very first date they started reporting according to 15 USC 1681b
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  sent a {$1300.00} balance to XXXX for collection in XXXX. On XX/XX/XXXX, XXXX advised the creditor had a settlement available to me for {$1000.00}. I paid this amount of XX/XX/XXXX, and XXXX collection firm advised this was settled and the account is closed out. 

Sometime in XXXX XXXX XXXX XXXX XXXX XXXX sent the remaining balance - left after the settlement payment - to SCA Collections , Inc, in the amount of {$310.00}. This is in violation of our settlement agreement whereby I paid them {$1000.00} as settlement in FULL. This balance is not valid and should not be in collections. 

I called the prior debt collector XXXX, who told me this was closed out and that they were going to advise the creditor this was paid off, as well as send me a confirmation letter ( which I had asked for in XXXX and never got, and still have not received it to this day even after my recent request ). 

I also disputed the debt with SCA Collections , Inc. SCA Collections , Inc. sent me a generic letter in response saying the account is valid, not addressing the fact that I made a settlement payment on XX/XX/XXXX, in the amount of {$1000.00}. 

The remaining balance is not collectible as this XXXX XXXX XXXX XXXX XXXX account is SETTLED IN FULL.
Product: Debt collection

On XX/XX/2018 PORTFOLIO RECOV ASSOC, add a derogatory mark on my credit report per XXXX XXXX, XXXX  XXXX  and XXXX. upon further research this account was transferred/sold and i am no longer responsible for the account. Debtor 's credit did not verify this collection. also there was NO written form of communication, contract, or signature for this accused dept at all. a bill without a signature does not validate the dept and anybody can send a bill and says its mines. according to the FCRA, PORTFOLIO RECOV ASSOC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, WELLS FARGO DEALER SVC, is currently showing 30 days late on XXXX, XXXX and XX/XX/2016. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and delete the current status to reflect accurately.
Product: Mortgage

I received notification that my mortgage payments were to be made to XXXX Mortgage after XXXX XXXX instead of Loan Care which had been handling the loan for XXXX Mortgage.I made the changes incorrectly to my online bill paying bank, so the payments actually were continuing to go to Loan Care. This was not a problem for two months, but XXXX Mortgage sent me a late payment notice on XXXX XXXX. I have proof of payment on XXXX XXXX which shows the payment went to Loan Care. Loan Care acknowledged receiving the payment and tells me that they did a " pay out '' on XXXX XXXX. They can not or will not give me a transaction ID number or tracking number or tell me where this payment went. It did not show up in my bank account. XXXX Mortgage will not accept my bank 's proof of payment form, but my bank says there is no other proof they can offer. 
I need a refund from Loan Care so that I can pay the mortgage for XXXX.
Product: Debt collection

These accounts were recently added to my credit report without any advance opportunity to dispute it with this company. They have not validated the debt or that there is not a HIPPA violation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into the credit reporting practices of Equifax and XXXX. After a thorough review of my credit reports, I have identified several inaccuracies related to the following accounts : XXXX XXXX XXXX XXXX XXXX : Account Number XXXX Upon review, I noticed that critical information such as the open date, the date last active, and the date of last payment are inconsistently reported across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Furthermore, I have identified additional discrepancies that I believe warrant immediate correction : Charge-Off Balance Reporting : One of my accounts, listed as a charge-off, is still showing a balance even though it was sold to a debt collector. This is inaccurate reporting, as the original creditor no longer owns the debt. The balance should be listed as XXXX, particularly since I have not received a Form 1099-C for cancellation of debt income, which is required for tax purposes when a debt is canceled. 

1099-C Reporting Issue : In my communications with XXXX, I was informed that I would receive a 1099-C when the statute of limitations expires. However, if the creditor has already reduced their tax burden by reporting the charge-off to the IRS, I should have received a 1099-C to include in my 2023 tax filings. The fact that I have not received this form raises serious questions about the accuracy and legality of the continued balance reporting on my credit report. 

Given the discrepancies and the potential legal ramifications under the FCRA, I respectfully request that the CFPB conduct a thorough investigation into Equifax and XXXX 's reporting practices regarding these accounts. I urge you to ensure that all inaccuracies are corrected, including the removal of any improperly reported balances on charged-off accounts. 

I trust that the CFPB will take swift action to uphold the integrity of the credit reporting system and to protect consumers like myself from the damaging effects of inaccurate credit reporting. 

Thank you for your attention to this urgent matter. I look forward to your response and to the prompt resolution of these issues.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My card was lost at the end of XX/XX/XXXX. I went out of the country for the whole month of XX/XX/XXXX.  When I got back and the end of my trip. There were 2 charges on my card that i did not authorize. I reached out to bank and they were going to do an investigation. They sent me back a letter saying that this charges were made by me .... I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 n accordance with the Fair Credit Reporting act Convergent Account # 120156, has violated my rights.

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: Mortgage

I scheduled the XX/XX/2023 mortgage payment on Primary Residential Mortgage Inc 's website. I lost my job on XX/XX/2023. I contacted a housing counselor who told me to apply with Tennessee Housing Assistance Fund for Covid-19 assistance. I then called Primary Residential to request a payment refund due to extreme hardship and they are refusing to refund my payment. I also applied with them for their Covid 19 forbearance and they are stating that they are keeping the XXXX payment and starting the forbearance effective XXXX XXXX and XXXX. This is not helping. I explained this to them and told them that Tennessee Housing Assistance Fund can't process my application until the mortgage is 30 days past due. I am unable to buy food and pay my utilities. I have worked with other lenders who would reverse the payment and they are refusing to do this. My bank told me they could indeed refund the payment. Can you please help me to get the payment refunded?
Product: Debt collection

The medical debt incurred by Americollect was done while I had health insurance and placed them under a previous bankruptcy. When informing the representative of this and that my file needs to be rechecked they informed me that they did not care and that the debt was owed. I never received notice of the debt and it was never validated and I never received a bill period, it was just continuously put on my credit for the last four years back to back with change of dates.
Product: Credit reporting

I vie in my credit report a account it not mine and a name I never use or know.
Product: Credit reporting or other personal consumer reports

XX/XX/. Trying to unfreeze credit with TransUnion. Tried their website but it doesn't work. I get an error message and a phone number to call. Then I tried the phone number, and again it said it could not do it. I am unable to get them to unfreeze my credit. I just need it temporarily unfrozen.
Product: Mortgage

We obtained a 30 year fixed mortgage from Dovenmuehle Mortgage Inc. on XX/XX/2017. We bought the property for {$150000.00}. The appraisal came in at {$240000.00}, and our loan was only for {$150000.00}, which gives us approximately 40 % equity in the property. Even though our equity on the property is significantly over the 20 % equity required to waive PMI, XXXX refuses to waive it claiming that they honor the appraisal or purchase price whatever is lower. This seems completely unfair and is just a way for Dovenmuehle Mortgage Inc. to make additional money for something that is not necessary. We have an excellent credit score and we have significant assets to cover this loan which was shared with the bank at the time of the application. We are not a high risk customer, and with over 20 % equity owned in the property, Dovenmuehle Mortgage Inc. should be fair and waive this PMI requirement immediately.