23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against Midland Credit Management for their ongoing violations of my consumer rights as outlined under federal law.

Details of the Complaint : 1. Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide specific validation information to the consumer. However, Midland Credit Management has failed to provide me with any validation information regarding the alleged debt. Despite this failure, they have proceeded to place a collection on my consumer report.

2. Lack of Opportunity to Dispute the Account : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to an opportunity to dispute the debt. Midland Credit Management has not given me this opportunity, which is a clear violation of my rights. This has left me without the necessary means to contest the validity of the alleged debt.

3. Use of False, Misleading, and Deceptive Means : Midland Credit Management has employed false, misleading, and deceptive means in their attempts to collect the alleged debt. This is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from such unfair practices.

4. Unauthorized Reporting to Consumer Reporting Agencies : In accordance with 12 CFR 1006.34 ( c ) and 15 USC 1681s-2 ( 7 ) ( A ), a collection agency must provide all required disclosures before furnishing any account information to consumer reporting agencies. Midland Credit Management has furnished information to consumer reporting agencies without providing the necessary disclosures, thereby violating these provisions.

Requested Action : I request that the CFPB investigate this matter and take appropriate action against Midland Credit Management for their violations of federal law. I also request that any negative information placed on my consumer report by this agency be removed immediately until such time that they comply fully with the legal requirements to validate the debt and provide me the opportunity to dispute it. 

Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Phone Number : XXXX Email : XXXXXXXX XXXX XXXX Information : Midland Credit Management Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have included copies of all relevant correspondence and documentation related to this matter for your reference. 
Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting the wrong date when the credit card was open which should have been off my credit by now which my ex wife that was responsible for it have not made payments on it over seven years I need this fix as i spoke with Equifax and XXXX and have not resolve the issue the date that they are reporting when the account was open is not legit and is a very old account ... .Please help fix this issue
Product: Credit reporting or other personal consumer reports

I went into the branch and applied for a XXXX XXXX XXXX  with XXXX XXXX. I was declined for stated reasons that were untrue. I called the customer relations department to discuss my concerns, but they did not reconsider my grievance. I feel that I have been discriminated against.
Product: Credit reporting

I was first alerted to a credit fraud problem when I was unable to access XXXX of my free annual credit reports. XXXX said I had already received my report, which I had not even attempted this at the time. I then attempted to get my free annual credit report through Trans .... and was unable to answer the identity verification questions. I was ; however able to access the XXXX other credit report which listed numerous upon numerous, mostly medical care bills in default that I have never been notified of existing. I already requested a fraud alert to be placed on my credit accounts ; however am still unable to access them to review of any other fraudulently activity. I have also recently been a victim of identity theft as XXXX of my bank accounts alerted me of fraudulent activity which absolutely proved to be the case. This is not the first time I have been a victim of identity theft and even have identity theft coverage ; however they have not proven to be worth the money spent on them. What exactly are the steps I may take to finally resolve these issues and finally correct my credit report?
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 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 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 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  These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 161a2 these companies 1.XXXX XXXX  XXXX {$590.00} 2.XXXX XXXX XXXX XXXX {$8100.00} 3.XXXX XXXX XXXX 4.XXXX XXXXXXXX XXXX XXXX are in violation of my rights pursuant to 18 USC 8, I owe no debt these companies are in violation of my consumer rights to privacy pursuant 15 USC 1681 b 2, company 's also has no permission to report anything using my information pursuant to 15 USC 1681 4 I did not give written or verbal permission to have these accounts furnished on my credit report as also I am a victim of identity theft I'm attaching documents for evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

I have resolved this matter with the bank but XXXX is refusing to remove this from the file. The reported information has stopped me from getting bank accounts with other banks and creating business relationships with other banks. I have contacted the bank and they advised that i will need to get XXXX to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian inaccurately reporting accts after documentation sent in
Product: Credit reporting, credit repair services, or other personal consumer reports

Company furnished my consumer report without written instructions which is required as stated in 15 USC 1681 ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not made by me, please deleted them from my credit report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. To prevent this from happening I have requested the companies to only allow applications in person, placed a fraud alert on all 3 of my credit reports and I have frozen all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX / Account # : - XXXX XXXX  / Account # : - XXXX XXXX  / Account # : - XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX  / Account # : - XXXX INQURIES : XXXX Commercial Banks XX/XX/XXXX XXXX Miscellaneous Banks XX/XX/XXXX XXXX Miscellaneous Finance XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 a
ny 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Debt collection

Mountain Run Solutions, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint on Equifax because they have continuously refuse to correct my credit report. By reporting charge-off and closed accounts as opened accounts. Reporting accounts that have been sold and closed as still opened and 120 days late. Also, Equifax deliberately change my high balance on my credit cards to make it seem higher than my credit limit, which made my utilization extremely high on my credit cards ; even though I never disputed those accounts. All of these inaccuracies has cause my credit score dropped 86 points in ( 1 ) month.
Product: Debt collection

hello, this people or company is trying to put a collection on my credit report, that I don't know who they are, I never done or work or have or had any type of deal or business with them, I call XXXX to file a collection dispute, and XXXX was the one that told me about this website, XXXX XXXXXXXX request for your help with this case please, I never leave anywhere else besides XXXX, FL this delinquent company is saying that I have a home address in Texas, which I never leave or stay in Texas, I can send you my Driver License or Social Security card or my Home Mortgage information of mine ONLY property I ever had. 

thank you very much XXXX XXXX
Product: Debt collection

IC systems has violated my Federally Protected rights, I have not given IC Systems the prior consent to contact me which violates 15 USC 1692c ( a ).. I do not owe a 3rd debt collector nor am I responsible to pay one pursuant to 15 USC 1692a ( 3 ) this is an alleged debt and you are now on Notice To Cease & Desist all communications from me from all mediums as stated in attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX discharge and my credit score went up fell went up and fell again.. what is the meaning of this ...
Product: Money transfer, virtual currency, or money service

1. My XXXX registered company is a paying customer of TransferWise Ltd. As part of its services to us, Transferwise has given us a bank account in the US with XXXX XXXX 
2. A customer of ours did a wire transfer of ~USDXXXX to our bank account on XXXX XXXX. This amount did not reach us. 
3. Our customer 's accounting section says that the funds have gone out from their bank account into the recipient bank account. 
4. This is an inbound transaction to our bank account via TransferWise. The funds are sitting inside Transferwise systems somewhere and they have failed to discharge their lawful duty in putting the funds into our bank account. 
5. On XXXX XXXX, I contacted TransferWise support with proof of the transaction asking them what's going on. 
6. Since then, TransferWise has been stonewalling and refusing to do anything, absolutely anything, citing " privacy issues ''. 
7. I fail to see what privacy issues are being quoted here. 
8. Imagine this - thousands of dollars have been transferred to us which TransferWise is lawfully required to transfer to our account. Not only have they failed to do that, they are not even willing to look into the matter. 

As a consequence of this, our essential working capital is stuck. We are a software XXXX  startup and we need to make many many different payments for our inbound services. Every day of delay in not receiving the funds from TransferWise means that we are unable to pay our suppliers, which severely hampers our ability to serve our customers, which means we dont generate any revenue - its a massive cascading effect which can sound the death knell to a startup that has just been incorporated.
Product: Credit reporting or other personal consumer reports

When disputing my XXXX names listed on my credit report, they changed part of my name to a name I have never heard of and is absolutely incorrect. They literally made up part of my name.
Product: Credit reporting or other personal consumer reports

Dear Equifax Support Team, Ive been logging into my account on equifax.com, and each time I attempt to access my credit file, I receive an error message displaying XXXX. I contacted Equifax customer support at XXXX, and I was advised that the issue would be resolved within 24 hours. I was also provided with the confirmation number # XXXX. 

However, when I checked again today, the error persists, and my credit file still shows as nonexistent, which I know to be inaccurate. This is causing significant concern, and I kindly request that this matter be addressed and resolved as soon as possible. 

Thank you for your prompt attention to this issue.
Product: Mortgage

After an initial inquiry with my lender, I was inquiring about a refinance option with them. They have all my information as my current lender, and upon an inquiry for refinance the individual made a hard pull on my credit without my consent. 

In further inquires about their fees and other out of pocket expenses, the individuals at NEWREZ stopped communicating with me and just started sending me documents to sign. 

Singe my initial applications I have received over forty ( 40 ) text messages, calls and emails from unsolicited third-party " lenders ''. 

I have formally requested that NEWREZ terminate the application I was mislead into submitting ( I did not know I was engaged in a formal applications and was specifically asking for an assessment of the options available to refinance ), and that they delete my files and submissions and stop selling/providing my personal information to third-parties. 

They have failed to respond or acknowledge my multiple correspondences.
Product: Mortgage

XX/XX/XXXX Dear Sir/Madam, I am writing today to complain of the poor service I received from my mortgage loan servicer Ocwen Loan Servicing, LLC for the past six years. It has been brought to my attention that I have been paying an interest rate of 11 % from XX/XX/XXXX-XX/XX/XXXX. I am writing to you because I am at my wits end with my lender. I applied for a modification in XX/XX/XXXX and was granted. 

Unfortunately, since XX/XX/XXXXI have been going through a financial hardship. My household has lost income from XX/XX/XXXX-XX/XX/XXXX. I am XXXX XXXX, I have been a XXXX XXXX for the past twenty years. I have been re-establishing my business for the past two years. During this time my husband was laid off from his job after working 26 years and I was out of business for two years Recently, I was denied a loan modification. My income has drastically changed for the better. I can now afford my mortgage payment with the help of a modification. 

I am most annoyed with how I have been treated. I personally feel I am a victim of a predatory loan. I appreciate any assistance you can provide in resolving this issue. 

Please feel free to contact me regarding this issue at XXXX Thank you for your time. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have requested a block & investigation in the following fraudulent information from my credit report. I have no idea how he theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 

I am writing this due to non-compliance of the companies below and the non-compliance with the CRA XXXX and XXXX. 

They have failed to remove information that was affiliated with personal details and accounts that was due to identity theft and removed in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
Please remove this information for failing to validate the information, defamation of my name and for improper buying and selling of consumer personal information. 

XXXX XXXX Account # : XXXX XXXX/XXXX  Account # : XXXX MB FIN SVCS Account # : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Please let me know if you need any other information from me to block this information from my credit report. 
Thank you.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Someone has been using my information and open of a XXXX XXXX account, XXXX account, and Jefferson  capital system! I did not make any of those accounts! I just put a fraud alert out with XXXX. But I need help getting to the bottom of who stole my paperwork to be able to do these things. I just disputed it with XXXX, but still I need to make sure this wont ever happen again! I want all these accounts removed from my credit report for fraud! I did lose my wallet years ago but it only had my social and ID that was expired in, I did not know thats all it takes for someone to steal your identity! This has been a traumatizing experience, I just want this to get fixed!
Product: Vehicle loan or lease

Near the end of my lease at XXXX XXXX of XXXX, I went into Honda to see how much it would cost me to finish off my lease. At the time they told me that I would need to get an inspection. I took it to XXXX XXXX XXXX to get my end of lease inspection. Upon the inspection I was asked by XXXX XXXX of Honda if I wanted to " sell my car to XXXX XXXX  XXXX to avoid any other fees ''. I said yes and was told that with my signature, the car and any leftover payments were no longer my responsibility. At that time, I asked about the turn-in fee that they are now trying to hold me for. I was told by XXXX XXXX XXXX that " you will not be charged this fee, because you did not turn in the car, It was sold to Honda. '' I then checked my account a few weeks later and saw that I was being charged the XXXX fee that I was told I would not be charged. I called XXXX and he said " do n't pay it and have them call me '' Which I did. After days of phone tag I was told that they were mistaken and that I owed the fee. If I had known this I would have paid it immediately as I had the money at the time. Now, I do not and feel like I am being given the runaround and being taken advantage of. I have since sent several letters about this matter that have been completely ignored by American Honda Finance. I have also been told in a letter that my account has been charged off and will be sent to a collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into an unauthorized hard inquiry on my Transunion credit report. I discovered this inquiry while reviewing my credit report and believe it was conducted without my knowledge or consent. 
The details of the inquiry are as follows : Date of inquiry : XX/XX/year> XXXX XXXX XXXX : XXXX I did not authorize XXXX or any affiliated party to access my credit report, nor did I initiate any transaction, application, or business relationship with this company that would warrant a hard inquiry. According to the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer are permissible. 
I have already contacted Transunion and XXXX regarding this issue and have not received a satisfactory resolution. Therefore, I am seeking your assistance in removing this unauthorized inquiry from my credit report.

I request your prompt attention to this matter, as unauthorized inquiries can negatively impact my credit score and financial standing. Please let me know if you require any additional information or documentation to assist in your investigation. 
Thank you for your time and assistance. I look forward to your response.