23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A request for validation made pursuant to 15USC 1692g Sec. 809 ( b ) of the FDCPA was sent to the credit bureaus XX/XX/XXXX certified mail USPS for the alleged debt with midland credit management/ midland funding llc asking them to " validate '' and NOT verify the alleged debt by providing a signed contract between myself midland and the original creditor. I did not receive what was asked for because no contract exists. I do NOT owe money to Midland Credit Management /Midland Funding LLC . I am not responsible for this debt there is NO CONTRACT with their company. Midland is continuing to report invalidated information to the 3 bureaus and this is fraud under both federal and state laws and does constitute me bringing legal action against Midland for violation of the FDCPA and Defamation of character.
I too take this complaint very serious as this is affecting MY credit and keeping me from purchasing a home and from getting specific jobs that I am qualified for so this is absolutely no inconvenience to anyone but myself. Midland has mailed me the following correspondence to my address in which I have attached. The BBB complaint is also attached in which they never responded to my final resolution to this issue. They STILL have yet to provide adequate proof to validate this alleged debt. Statements ARE NOT validation and the Bill of Sale with information blacked out or not means absolutely nothing and only looks pretty on paper. As previously asked ... they were to send me a contract between myself, the original creditor, and midland that I have signed. I have NOT received this contract because they do not have it and it does NOT exist. Also, midland does n't have a notarized affidavit of verification from the original creditor. If a contract does exist, it would be between myself and the original creditor and NOT myself, the original creditor and midland. So, midland would NOT be a party with any interest to protect and therefore can NOT subrogate onto a contract without my request for them to do so. Midland would be a stranger to any contract and always will be. I am NOT obligated to pay for the alleged debt.
The right of subrogation does not exist for a stranger to the transaction. XXXX XXXXXX/XX/XXXX, Section 90.
Meaning, There is no right to substitute someone or some entity that was not on an original contract. It is not allowed.
I have NOT signed a contract with Midland Credit Management nor do I know who they are. I have NOT nor have I EVER received services from Midland Credit Management. I DO NOT owe a dime nor penny or anything more to Midland Credit Management. Furthermore, Midland states that the date of first default isXX/XX/XXXX. The original creditor XXXX XXXX is incorporated in Delaware and the statute of limitations for Delaware is " 3 years ''. Based on today 's date of XX/XX/XXXX 3 years from the date of first default XX/XX/XXXX has passed and it is now time barred. Case law says the collector ( midland ) are not allowed claim a better position than the original creditor. Midland you are completely and totally breaking the law and that is fact.
Product: Credit reporting or other personal consumer reports

These inquiries do not pertain to me, and I have no ties to the listed creditors. I urgently ask for their removal from my credit report.
Product: Credit card

I wrote to Synchrony Bank that service my PayPal Master Card account and request that the application of the Louisiana Statute Section 29:311 and 29:312 be applied to my account from the date I PCS 'd back to Louisiana. As you may be aware this Louisiana Law differs from the federal requirements of the Servicemembers Civil Relief Act ( SCRA ). I believe that my situation qualifies under the provisions of this specific state statute and I am seeking to have it applied to my account accordingly.

Please let me know if any additional information or documentation is required to facilitate this request. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning and thank you for reviewing my concern. 
After reviewing the entire credit profile, Diversified Adjustments placed a collection on the credit profile after being resold by the original credit profile. This improper credit reporting compromised credit profile and creditworthiness.
Product: Credit reporting or other personal consumer reports

I sent each of the XXXX credit bureaus a letter on XXXX XXXX and Each of them had told me they received the but stated they were doing nothing with the letters. It has now been over 30 days and the inquiries are still on my credit report.
Product: Debt collection

XXXX OPENED AN ACCOUNT XXXX Saying it was necessary to put in my personal numbers to my cell phone this phone number ending in XXXX was never used there 's not a single call placed upon that nor did I sign any contract allowing them to charge me for this account which should never of been left open. they are attempting to charge me for a service I did not order did not approve and did not use and did not sign for Collection amount with XXXX approximately {$180.00} please call for additional information XXXX
Product: Credit card or prepaid card

I have a cash reward card with navy federal credit union .I received the card in XXXX of this year. my first payment was in XXXX this year. minimum payment {$20.00} but I pay {$50.00} a month. since I have the account I have paid {$200.00} on the account the amount Is still at {$400.00}. plus the money that receive from the reward card from the purchase that I made. from using the card have been added in the the amount that I owed from card. the reward card was {$500.00}. I had spend All most all the money before I started to make payments on the card .and I know by me paying more each month on that account. that the extra payment should cover whatever charges that they are charging me each month.
Product: Credit reporting

I have tried to remove this state tax lien which has been paid and released and the credit bureau would not remove it. So, I request the assistance of the Consumer Financial Protection Bureau to remove such derogatory mark that is hurting my ability to obtain credit.
Product: Checking or savings account

I tried for the last 2 days to switch my email address that is registered from One bank to another. This is never a problem as stated in the app for Citibank in the process it states that it is currently registered with this particular Bank. Would you like to switch it and confirm having it registered with Citibank? Upon choosing? Yes it should set up and configure just like it does on my other five Banks. But this isn't isolated incident as I explained to the CSR and his supervisor at a call center and that I can in the matter of 5 minutes which both my email and phone number which are registered with other Banks in XXXX to other banks with no problems and that this is only occurring with Citibank. He tried to blame it on the other bank which is baloney and it even tells you in your app that it's registered with the other bank. Would you like to switch it and you hit yes and then at that point they fails and then they try to tell you to call and I called and wasted my time and they helped me with nothing. This is not the first time I've called Citibank and gotten bad information. Since this account has been opened and I continue to be told things that are not true, they should not be allowed to waste the customer 's time like this and leave people hanging while your money is sitting in their accounts and can not be used
Product: Debt collection

This a formal complaint that you are reporting false and erroneous credit information which has negatively impacted my credit scores with XXXX. 

1. NAVIENT Account Number : XXXX RE : Letter to XXXX XXXX XXXX XXXX  ; I am exercising my rights ; Pursuant to FCRA Section 609 ( a ) ( 1 ) ( A ) & Fair Debt Collection Practices Act, 15 USC 1692g I have attempted on numerous occasions to work with your NAVIENT to clear this matter and my good name. 

here are the facts : 1. I am a victim of Fraud.

2. I never received any services for the debt you claim I owe. 
3. If I am remiss, you are barred by the statute of limitations to collect on this debt. ( Private student loan dated XX/XX/XXXX. ) 4. The educational institution that you allege that I received services and/or that I owe this debt to was : a. Not a qualified institution of higher learning during XXXX. 
b. Not properly accredited by the XXXX XXXX XXXX XXXX XXXX and XXXX during the time period XXXX. 
c. The institution name : XXXX XXXX XXXX XXXX participated in deceptive and/or fraudulent practieces and false advertisement by holding itself out as a reputable junior college with authority to enter its students into a contractual obligation as a legitimate institution with proper license and accreditations. 
d. The school XXXX XXXX XXXX XXXX was mandated to close its program titled : " Court Reporting '' or commonly known as " Professional Legal Stenographer '' due to lack of accreditation and return any borrowered fund back to the originator on behalf of its student borrower of record as : " PAID IN FULL '' e. Further, the XXXX XXXX XXXX XXXX XXXX breached its duty to perform its obligation to provide accredited educational training in the course of study known as " Court Reporting '' or commonly referred to as Professional Legal Stenographer. 
f. Further, if there was any aleged debt owing ; it was previously listed and discharged in a chapter XXXX bankruptcy proceeding during the period from XX/XX/XXXX - XX/XX/XXXX as XXXX XXXX XXXX. 
g. Further, if there is an aleged debt owing as reported it does not meet the criteria based upon correspondence from XXXX XXXX XXXX XXXX  as a qualified student loan eligible for debt consolidation. 
h. Further, this debt has been deleted from a previous credit report and cleared, however has been re-inserted as a current debt owed by me. 

I would like help from the CFPB to investigate this aleged student loan debt and bring a resolution : Therefore, I request that the company reporting this aleged debt. 

1. Delete this immediately from my XXXX  credit report.

2. Cease and Desist from attempting to collect this debt.

3. Remove my name from their collection list.

4. Send me notification that this debt is cleared and I am not longer allegedly responsible for the above mentioned debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Yes there was several unauthorized transactions from my acct I filed a dispute with chime XXXX different times and they keep telling me there is no error. I have also filed a report through FTCXXXX police reports and a report from attorney state general and submitted all of these to chime but got same results as no error.
Product: Credit reporting

I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all XXXX agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on equifax , XXXX,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XXXX XXXX, 2013 and they have verification wrong so i can not check on status. XXXXXXXXXXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on?
Product: Checking or savings account

My venmo account was suspended XX/XX/XXXX after transferring money from my account which i received a deposit. i transferred {$500.00} to my venmo account just to hold as my savings. i already had {$450.00} dollars in the account so i dont understand where this would become suspicious, but i understand its better safe than sorry. so i recieved the email and the instructions were to JUST provide documentation that shows my name is the same as the primary holder, which i did i uploaded my Drivers license. THEN XX/XX/XXXX, i received an email from an account specialist that stated i now need to provide documentation that shows i have access to the accounts i have on file. the account is fairly new so i dont have my bank statements as of yet but i have uploaded my transactions, my last XXXX digits of my card info which has my full name, my issuing bank info, and my account settings which show my name and the last XXXX digits of my account and routing number. i received an email 30 minutes to an hour later stating the documents were not able to be accepted so i uploaded my direct deposit information to provide to my employer, at this point i provided the whole digits, because at first the only documents they wanted was my DRIVERS LICENSE TO VERIFY THAT I OWN THIS VENMO ACCOUNT. i have money in there and i just want my money i have bills coming up and venmo is constantly playing with my time & money.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against TransUnion Regarding Inaccurate Late Payment Reporting for XXXXXXXX XXXX XXXXXXXX Account Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXXXXXX XXXX XXXXXXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$1900.00} Last Verified : XX/XX/XXXX ( TransUnion ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual, Closed or paid account/zero balance Dispute Status : Account not disputed Creditor Type : Bank Credit Cards ( TransUnion ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Closed Payment Status : Late 30 Days Creditor Remarks : Canceled by credit grantor ( TransUnion ), Closed due to inactivity ( XXXX ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$1700.00} Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received several threatening phone calls on my phone. They were so threatening, like call in 30 minutes or you'll go to jail etc, from a collection company called Hunter Warfield , Inc., that I thought they were fake calls because this kind of talk is illegal when collecting debts.

The debt they refer to as a joint debt, is not. It is a debt from my ex wife regarding a home she lived in and I never lived in because I lived in another state and we are divorced.

Additionally, I never received any written notification regarding the debt, just random threatening phone calls about going to jail from Hunter Warfield , Inc .

This is not my debt, and their collection practices are illegal.

Also, this was placed as a collection account on my credit report. I was never informed besides threatening messages even what the debt was about. I was never informed I could dispute. And I want it off my credit report because it is not my issue.
Product: Mortgage

On XX/XX/2019 We reached out to a Mr. XXXX XXXX XXXX. VP Real Estate Lending at Citibank , N.A . NMLS Identifier : XXXX referred by Realtor Ms. XXXX XXXX. XXXX XXXX  XXXX. 

We made application through an online portal for Citibank XX/XX/2019. 

That is when Mr. XXXX XXXX XXXX stopped communication and as we followed-up we were told that a loan was not possible and stalled the supposed deal at XXXX XXXX XXXX XXXX, XXXX  XXXX. XXXX, IL XXXX. After we put money down {$2500.00}, home inspection {$330.00} and were getting no response from him or his assistant. The more we met the purchase criteria suddenly obstacles were placed in our way. 

The building he was supposed to know and had done business before had the other realtors pretending the building was no VA approved. But with a little research my wife and I were able to obtain that it was without any restrictions. We kept calling and e-mailing Citibank to no avail. Dead Silenced to pressed and could not get past underwriter but ask him what work he done tried to deflect by insisting it was our credit. 

Every time we tried to find a remedy and a solution he was nowhere to be found or did he provide guidance. We are requesting an investigation per Home Mortgage Disclosure Act and the practices of Consumer Financial Protection Bureau ( CFPB ) since we believe Mr. XXXX XXXX XXXX. VP Real Estate Lending at Citibank , N.A . NMLS Identifier : XXXX has not followed the Law and was discriminatory to us. No formal closure. 

We are asking for an investigation for a Notice of Error, Request for Information and a Qualified Written Request to answer our Questions into how Mr. XXXX XXXX XXXX, Home Lending Officer, according to XXXX website handled our loan. Mr. XXXX finally responded with a short e-mail XX/XX/2019 after countless times reaching out to him and Citibank.
Product: Credit reporting or other personal consumer reports

These are falsely reported debts on my credit report and need to be removed immediately. This is identity fraud. 

XXXX XXXX XXXX {$18000.00} Account number : XXXX XXXX XXXX : {$3700.00} Account number : XXXX XXXX XXXX XXXX : {$8300.00} Account number : XXXX XXXX XXXX  : {$5900.00} Account number : XXXX
Product: Credit card

USAA pulled my credit report this resulted in an inquiry, which in turn lowers my credit score. There is an alert placed on my credit report to verify my identity. USAA made no attempt to verify my identity. I was told to call Equifax and have them remove the alert and then reapply for credit. This is unacceptable and extortion. The only reason listed for denial is Unable to verify applicant 's identity. XXXX application should not result in multiple inquires into a credit file and one should not be extorted into removing a protective alert because a company can not be bothered to attempt verification of identity. I have never had this problem as most companies ask verification questions as part of the application process.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint for Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax. These entries do not reflect my true payment history and misrepresent my creditworthiness. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for my XXXX XXXX account ( # XXXX ) are inaccurate. I have been consistently enrolled in autopay and have made my payments on time. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates the FCRA ( 15 USC 1666 ( b ) ), which mandates accurate and fair reporting of consumer credit information. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : Reporting false late payments may also violate the FDCPA, protecting consumers from account misrepresentation. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA provisions requiring accuracy in reporting credit information. 
The FCRA, specifically sections 15 U.S. Code 1681i and 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate information and ensure the accuracy of consumer file information. Furthermore, the FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) provide for civil liability for willful or negligent noncompliance, including damages for failure to adhere to Act requirements. 
Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that these entries reflect my true record of on-time payments. I expect written confirmation of the removal of these entries within 30 days of this complaint. 
Summary of Errors and Discrepancies in Account Reporting The following discrepancies have been identified in the reporting of 30-day late payments for my XXXX  XXXX account across the three credit bureaus. These reported late payments are inaccurate, as I have consistently made on-time payments due to enrollment in autopay. 
Equifax : 30-day late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : XXXX late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : XXXX late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), as they misrepresent my payment history and creditworthiness. I am requesting that each bureau correct these inaccuracies and update my account to reflect my actual, on-time payment history. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX