23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received ZERO communication from company Midland Credit Management and they have violated my rights. They showed up to my rental property and served papers regarding my debt to my Tenants violating my right to privacy. 

According to the Fair Credit Reporting Act 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

These have all been violated by the company attempting to sue me for this debt in which I have received no communication on.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 Compliant accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX ( OC : XXXX XXXX ) - Account : XXXX  Creditor : XXXX XXXX ( XXXX XXXX )  - Account : XXXX Creditor : XXXX XXXX ( OC XXXX XXXX XXXX ) - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Vehicle loan or lease

I had a car financed with XXXX XXXX XXXX with my mother being a co-signer, eventually I refinanced through OneMain Financial which was on XX/XX/2019. They proceeded to have my mom go to their store and sign papers to get her off the title, so the loan could be in my name only. My mother came off the title and everything looked good, I had a new loan and was required to get GAP insurance by OneMain. In XXXX, the car was totaled due to a hit and run while the vehicle was parked on the street, at this time my mom had moved out of the country and no longer resides in the United States. I contacted XXXX and they said they were going to fix the vehicle, but after a lengthy time at the body shop the body shop claimed it as a total, but XXXX proceeded to try to get it fixed. Eventually XXXX considered it a total loss. I told OneMain about the accident as well and confirmed I had Gap Insurance. XXXX requested my mom to sign off on the odometer statement, which shouldn't have been in the process, because she was supposed to be taken out off the title by OneMain. My mother what out of country and hard to reach, so this process took around 2 months to get her the papers and for her to send them back. XXXX proceeded to contact OneMain and collaborate with them, but there was a mishap with OneMain where they moved offices, therefore the check that was issued was not received by OneMain. Now I have poor credit, job loss due to COVID and was recently turned down for a new vehicle due to OneMain financial.
Product: Credit reporting or other personal consumer reports

I appreciate your attention to the removal of certain fraudulent entries from my file, stemming from an alleged identity theft. However, there remain unresolved items that require attention. Compliance with law 605b of the FCRA, as indicated in report # XXXX, necessitates certified mail to facilitate legal recourse. Failure to rectify the inaccuracies listed below, attributed to fraudulent activities, will prompt legal action through my attorney. It is my preference to resolve this matter without litigation ; thus, I urge adherence to the law. Please expunge the following fraudulent entries, opened without my authorization or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should you assert the accuracy and verifiability of these entries, I request documentation bearing my signature, which I know does not exist. Absent such documentation, I formally demand immediate deletion of these accounts and associated inaccurate personal information from the credit file under my Social Security number. Please note, you have four business days to rectify any entries resulting from alleged fraudulent activities. I do not consent to E-OSCAR or any automated verification methods. Your prompt attention and response within the specified timeframe are appreciated.
Product: Credit card

I previously submitted a complaint, which is unresolved, regarding several watch warranties purchased over a year ago. The watches were all recently sold and no longer in my possession, some kind of refund should be issued. I have receipts for all four warranties purchased and refund policy pertaining to warranties is not listed anywhere nor was it disclosed at time of purchase, contrary to what Zales and Citibank claim. Their thirty day return policy pertains to store merchandise, not extended warranties such as these. I have an email from Zales stating to take receipts to local Zales store for full refund and also spoke with a rep named XXXX who also stated the same and even called the store to advise them to issue full refunds. He spoke with XXXX, store manager who got approval from district manager. The case number for this incident is XXXX, the total paid for all four warranties is XXXX. A XXXX dollar gift card was offered by XXXX XXXX in executive office, however, this does not even remedy matter as it is a portion of what was paid. The store was unable to issue refunds as their system is new and would not allow it, their POS ( point of sale ) computer is new and the transactions are over a year old. XXXX referred the case back to XXXX XXXX and left notes to issue a refund in form of a check because system would not allow credit back to credit card. Please advise Zales/Citibank I need a check in the amount of XXXX to resolve this. Complaints have been filed with Texas Attorney General, XXXX XXXX as well as Connecticut Attorney General. I have also forwarded information to Attorney XXXX, a class action attorney for possible suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Trans-Union Received my dispute towards a collection charge. I was requesting proof of accuracy collection company " XXXX XXXX ''. These charges are not mine nor did I ever get a validation letter. When investigation was over they said " Meets FCRA requirements '' If thats the case give me the investigation report to VERIFY. But no response from them and STILL the charged account is on my report! 

In accordance with the Fair Credit Reporting act 15 U.S.C 1681 & Fair Debt Collection Practice Act U.S.C 1692, has violated my rights.

15 U.S.C 1681 section 602a 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 without my written instructions.

15 U.S.C 1681i section ( 6 ) Notice of results of re-investigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a re-investigation under this subsection not later than 5 business days after the completion of the re-investigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

I never received this
Product: Student loan

I am a victim of predatory lending by Navient. I was told that consolidation was the only way to lower my payments. They DID NOT disclose that I would be signing up for another 20 year payment plan. My first loan was taken in XXXX.

No other options were offered to me for repayment.

This clearly was a contract of adhesion!

I asked for my payment history to show how many years I have paid on my loans to show that I was close to the 20yr mark and Navient refused. I probably had 3 more years of payment NOT 20 MORE YEARS. 
I am now XXXX and forced to work to year XXXX to pay off this predatory loan? I was forced into consolidation rather than offering me another repayment option.

Thank you for your consideration.

Your previous response did not address the malfeasance by Navient nor did it respond to my requests to Navient for my payment history. It also did not address the predatory nature of this consolidation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : US DEPT ED XXXX Balance {$730.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX XXXX {$2300.00} Date Opened : XXXX US DEPT ED XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$3900.00} Date XXXX : XX/XX/XXXX
Product: Mortgage

I had a mortgage with XXXX XXXX, a subsidiary of Ally, that was paid off in XXXX via a refinancing with XXXX XXXX. XXXX XXXX never filed the discharge of the mortgage with the county. XXXX XXXX went bankrupt in XXXX/XXXX and transferred any open loans to XXXX XXXX but since my loan was paid off before the bankruptcy, those documents were sent to Ally. Ally however refuses to give a discharge on the mortgage claiming that their research dept can not find the documents. I cant sell my apartment until this loan is discharged in the county records.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 those account 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 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 XXXX 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 card

This is in reference to the complaint I had filed earlier - XXXX. 
Someone had fraudulently obtained a credit card in my name from Bank of America {$14000.00} back in XX/XX/2015. I had contested against this account with the bank when Bank of America tried to recover the money from me.

I received a 1099-C ( Cancellation of debt ) from Bank of America last month. Bank of America wants me to file 1099-C in my tax return on an account that doesn't belong to me. 

Please advise me on this. 

Thanks XXXX XXXX
Product: Mortgage

I've been fighting with the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay a claim for Hurricane XXXX, The Policy is owed by the Mortgage Servicer Round Point Mortgage. I'm paying my mortgage every month on time. I have advised the mortgage company that the house still needs repairs and unlivable. The mortgage company hasn't taken any action to remedy the situation. Something has to be done. the floors are gone, the structure of the house is compromised. I could literally fall through the cracks at anytime. I condition of the property has deteriorated since the hurricane in 2017. Its actually very dangerous. I had to purchase sheets of wood the lay on the floor to cover the wholes.
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.

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

XXXX XXXX is in violation of 15 USC 1692c ( c ) 2, 15 USC 1681b XXXX is in violation 15 USC 1681b XXXX XXXX is in violation of 15 USC 1681b Equifax is in violation of 15 USC 1681b
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. 


Account Name : USDOE/XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Sent letter requesting them to verify the debt. I have not received a response.
Product: Debt collection

XX/XX/2019, AFNI INC, caused my phone to ring attempting to collect an alleged debt. 
The prerecorded greeting states they AFNI is a debt collection agency and they are actively attempting to collect a debt. It further went on stating all information collected during the phone call will be used to collect alleged debt. 
When the male associate picked up, he immediately assumed my identity. His first words were " XXXX   XXXX? '' The associates I spoke with did not identify themselves, I had to ask them for their names repeatedly. 
I do not have any CONSUMER INITIATED accounts open with AFNI INC . 
XXXX, the second associate of AFNI that I spoke with, informed me that they collected my information from the XXXX XXXX data base, but she would not disclose any information on the alleged debt. She stated she can not give me any information without me first verifying my personal information such as my current address. XXXX also informed me that I did not sign any release of information or any contract with AFNI, that they are a third party company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( XXXX you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 



Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I applied for a loan with bank of America with an advertised rate of 3.29 % and as a platinum honors client I receive a 0.50 % discount. My credit is XXXX I am putting over 25 % down and have a loan value below the example presented on the BofA website. I was quoted at 3.59 % after the 0.50 % discount. That is 0.80 % higher than the advertised rate or 24.3 % higher than the advertised rate. This seems to be a case of false advertising. When I asked for a reason they would not provide it. All they would communicate is the rate is what the system determines. See below for the advertisement and the example.