23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has been harassing me for some time now, they call me anywhere from XXXX times some weeks, sometimes back to back. I have requested the validation of debt along with account numbers for the XXXX collections this company is trying to press me into paying. I have not received any validation nor have I received the statements requested. I have verbally told them multiple times I would not be paying this debt until such is validated completely but the have yet to provide me valid proof and or information. 

: 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) states that if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector shall not communicate further with the consumer regarding that debt, except to notify the consumer of specified remedies that may be invoked by the debt collector or creditor -- - Thus has been broken.

15 USC 1681 is a section of the United States Code that deals with consumer reporting agencies and their procedures for handling consumer credit, personnel, insurance, and other information. The purpose is to ensure fairness, accuracy, and proper utilization of such information while protecting consumer rights -- -Thus has been broken. I will pull records if need be to show accountability for these claims. 

I would appreciate removal of all debts from Midland Credit Management as they have yet to professionally provide the requested and accurate information in the allowed amount of time.
Product: Checking or savings account

At end of XXXX I ordered a XXXX XXXX gift for my wife online from XXXX XXXX XXXX XXXX. The order was supposed to arrive before XXXX XXXX. Well the order never came I even sent a email to the company telling them I never received a confirmation order number and that I have not recieved my package. Well my Bank whitch is CHIME I had made a dispute to get my money back well Chime Bank gave me the run around told me itll take 30 days well they waited until that last day then told me my dispute was closed! And that there investigation team decided to close it out..I still have not gotten my money back so then i did a rebuttal on the dispute because there decision is wrong Ive never recieved my item and they basically took my money!! I even sent screenshots and emails to CHIME BANK from the XXXX XXXX XXXXXXXX XXXX  Where they had told me my order was cancelled and that my money was being refunded back to my account.. I sent all that info to Chime they recieved it and still did not want to give me my money they told me itll take up to 90 days for my rebuttal well they closed out my rebuttal and are trying not to give me my money thats rightfully mine CHIME BANK told me that I need to email the company and get my money back myself! I told them thats not how this goes..that Chime is my bank and I made a transaction off my chime card through there financial institution so there for its there responsibility to have my back Help me and take care of me there who I Bank with! CHIME BANK refuses and keeps giving the run around about everything and will not return my money back to me. Chime Bank has treated me very horrible and UNFAIR. I need my money back from CHIME BANK FOR {$50.00}
Product: Credit reporting or other personal consumer reports

On or about XXXX XXXX XXXX  I have submitted a dispute letter to Trans Union with request to investigate 2 accounts. On or about XX/XX/ I have received a letter form Trans union stating the investigation has yield some changes, but they didn't provide an updated credit report as I have requested them to do so. ( please see attached ). I have submitted another request for them to reinvestigate the matter, but instead of investigating as they are required by law they send me a letter advising me not to hire " credit clinics '' or anyone for that matter, and that I can do it myself. I honestly believe this is a tactic they are using to avoid investigating and complying. After all what difference does it make if I choose to hire someone to dispute in my behalf or I do it myself? I never hear anyone telling me I can assemble my XXXXXXXX XXXX myself and not to hire anyone to do it for me. 
Nevertheless, every dispute is initiated either by myself or is properly authorized by myself. Please ask Trans Union to comply and continue investigation as requested. 
Thank you in advance
Product: Credit reporting or other personal consumer reports

I have not authorize the inquiries to be on my credit report XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 I've sent a letter to Experian disputing and requesting the removal of debt XXXX XXXX. Experian reported the account as verified. On XX/XX/2020 I sent another letter to Experian disputing the same account in concern requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they may have on file of the accounts listed. Experian could not supply me with any document with verifying proof but yet again they stated it was verified as accurate. 

I have also sent letters out to XXXX XXXX  requesting validation of the account claiming that I owe any obligation to them. Not only have XXXX XXXX ignored my prior requests for validation of debt sent by Certified letter # XXXX XXXX XXXX XXXX XXXX XXXX delivered & signed receipt on XX/XX/2020 at XXXX, but they continue to report this debt to the credit bureaus causing damage to my character. A second letter was sent to XXXX XXXX on XX/XX/2020 formally advising that I believe their company has violated several of my consumer rights. Specifically, XXXX XXXX failed to validate a debt and again blatantly ignored my request, which is a FDCPA violation and yet they still continued to report a disputed debt to the Credit Bureaus : another FCRA violation. As we all are aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean XXXX XXXX agrees with me that this debt is false. I will use the Estoppel in my defense. 

I also specifically stated that I expect to receive the proof requested within 15 days of the letter sent on the XX/XX/2020 letter which they again ignore my request for validation of debt. 

Today I will be sending out my final letter in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D to Experian prior to seeking legal damage if my concern is not rectified by the removal of the dept from my credit report.
Product: Mortgage

We believe that we are entitled to money from the settlement from Wells Fargo. We were working with them at the time trying to complete a short sale to avoid foreclosure. We had submitted our paperwork multiple time and they kept losing the paper work. We were working with a real estate agent that was trying to help us and can verify that we provided all the documentation needed. The XXXX sale was in XX/XX/XXXX of XXXX after fighting with them for roughly XXXX years. We had a gotten a relator to help in XXXX of XXXX to help with paper work. Before that we tried working with them directly in XXXX and XXXX of that year. We tried to work something out but they neglected to include our child care expenses in their calculations and denied the modification then. XX/XX/XXXX around XXXX central I attempted to call to work with them to get our claim filed and to no surprise they are not able to find our account in the system for some reason. I gave them my loan information that we had on our paperwork. They then tried to keep passing me back and forth from one department to the next. I feel like they are trying to avoid helping us. Because of that foreclosure it took us a long time and work to get our credit back up. We had tried working with them multiple times and if felt like they weren't even trying or they kept having computer glitches. Our relator even wrote to our representative and received a response as they were appalled by their actions. They wasted our time for over XXXX years and falsely stated that we never turned in documentation and now they cant even find my old loan information in their system. Below is the article that our relator sent to me so i can seek our part of the settlement. https : XXXX
Product: Debt collection

Affirm was paid in full never late please update an remove negative remarks
Product: Debt collection

On XX/XX/2019 I disputed the ARS Account Resolutions account # XXXX with all 3 bureaus. ARS Account Resolution verified that this account was being reported 100 % legally and accurately. I know that this isn't true. So I sent a letter to ARS Account Resolutions via certified mail ( tracking XXXX XXXX XXXX XXXX XXXX ) requesting proof of the alleged debt, including the alleged contract or other instrument bearing my signature and complete account history, including any charges added for collection activity amongst other things. It has been past 30 days since the letter was delivered to ARS Account Resolutions. They have failed to provide me proof that this debt is valid. They have not removed the account from my credit reports. They are in violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX - Account number - XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX - Account number - XXXXXXXX XXXX XXXX XXXX - Account number - XXXX XXXX - Account number - XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX = Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account number - 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 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 in accurate.

15 USC 1681EB 15 USC 1681B 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 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not yet received a response. In accordance with15 USC Section 611 ( a ), failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Additionally, in accordance with 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ), the credit bureaus are to have all investigations completed before the expiration period under section 611 ( a ) 1. As it has been over 30 days, these items should be deleted immediately. Also, in accordance with 15 USC 1681 Section 602A States I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. 

Tracking Numbers XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I took delivery of a XXXX XXXX XXXX from XXXX XXXX in XXXX, MA. The sales person drove away with my XXXX XXXX and I thought the transaction was done. 
At the beginning of XXXX, my banker called me to tell me I was on the overdraft list. It turns out XXXX XXXX had never paid off my loan. 
When I called to inquire, they accused me of not replying to them with payoff information. Payoff information was provided XXXX in order to conclude the financing. 
When I reported it to XXXX ( case number XXXX ) they found that the dealership had mis-entered or left blank my contact information. I requested payment for the overdraft charge and additional interest, and this was received. 
The loan was finally paid off with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I entered the XXXX XXXX of XXXX on XX/XX/XXXX and spoke with XXXX. I asked if a conversation could be had to get back the 2.9 % interest rate that I had enjoyed with the bank prior to payoff. ( My rate with XXXX is 6.5 % - due to a bankruptcy 10 years ago, I always pay a higher rate until I refinance ). I was told I had to reapply and the loan would now be at 17 % based on my credit score which dropped XXXX points due to the inquiries done by XXXX and their failure to payoff my loan. 
I continue to monitor for this to be reported, but as of today, 20 days later, it has not. I have been working hard on my credit and income the last year and a half to purchase a house, and now those plans are on hold until I can get back to the XXXX score I had before.
Product: Credit card or prepaid card

To Date Navy Federal credit union has not removed over 10k in fraudulent charges on my credit card. They were negligent in allowing someone to open an account stating they were my spouse without any proof. Navy Federal also allowed this individual to call in a check off of that credit cards to pay other fraudulent accounts. Navy Federal actually took the charges off then put them back on. I have read other reviews with this being done to them also. I am seeking a group to move forward with litigation as a whole and also whom are interested in seeking damages and emotional distress. I have followed their process and gone through all of the steps including the process with the police and still Navy Federal has not removed the charges. I have also found 2 others whom have had this done to them as well. They have asked me for documentation and I have sent it. I also sent a message stating I had reason to believe the crook had been selling off my information to others and I have had no response back from them at all. Anyone who can assist us with getting this information in front of the attorney general is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not.
Product: Credit card

These accounts were never late! I have maintained an exceptional payment history with XXXX XXXX, and all payments were placed on autopay. The late payment that is being reported is the result of a systematic error on their end in processing my payment. This was clearly a billing error made by the company and does not reflect my payment experience, which violates USC Code 1681eb. This error has caused severe harm to my reputation, character, mode of living, and my family! I demand that the late payment reported on these accounts be removed. They are not in compliance with the following law : 15 USC 1666b. Its requirements set the standards and guidance for a creditor to treat a payment as late, yet they are reporting a payment as late without complying 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. These accounts 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 to rule 1002. It was never provided. This is unfair, illegal, fraudulent, and inequitable to me as a consumer
Product: Credit card or prepaid card

1.I have never had an account with this company CAPITAL ONE XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CAPITAL ONE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX and I am not swayed that XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX XXXX XXXX XXXX.