23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When returning home from a XXXX treatment, a young lady knocked on our door and my husband answered, she gave him a letter and walked off. As my Husband, read the letter we realized that our characters ' are under defamation and is being demonized by a company that we don't not have a validated or verifiable relationship with. We have never heard of this company. We have no personal or financial relationship with this company ; therefore we find it impossible to owe them anything, especially at a time where hospital bills are adding up in the thousands and we are praying to keep them up in-order to keep the much need treatments going. This is not the time for my myself or my family to argue an unnecessary debt that we have not created when we have a much bigger debt being created almost daily and we are optionless on having to find means to pay it. Please remove the unknown and unauthorized collection from Midland Funding LLC. Under the FCRA 15 U.S.C.168 li, all unverified accounts must be promptly deleted. Thank you all so much.
Product: Credit card or prepaid card

XXXX I disagree with the response provided by American Express in their letter dated XXXX. I should be reimbursed approximately {$1000.00}. In the American Express letter, the Cardholder Agreement is referenced that states that charges made with the card can not be disputed and that transactions are similar to cash transactions. 

The card is in my possession and has not been used in any financial transaction excluding a small transaction made at a vending machine on XXXX. Therefore, the prior transactions were not made with the card since it has been solely in my possession since XX/XX/2021. If I store money in my refrigerator and no one has access to it, no one can use it to make purchases. The same would apply to the gift card. Something went wrong and Im asking you to investigate this situation and refund to me what is just. 

Some type of corruption or a mistake is most likely the reason for this problem, e.g., a security breach, internal corruption within American Express staff, a duplicate file of cards could have been produced with the same card number and PIN, etc. Please investigate and return the money that should belong to me. Some of these examples could have gone beyond your internal controls. Thank you.
Product: Mortgage

The Money Source has locked us out of online payments and requires payment by money order, XXXX XXXX ( their site states they don't accept Money Source Payments ) or certified checks. 
The reason they say is because there were two NSF bounce backs. ( The paycheck deposit is the XXXX ; the bank withdrawal is the XXXX ) and, so the two were not lining up. 

My complaint is that there was no advance notification that online payments would no longer be accepted so consequently we will have a late on our credit report as payment could not be made online and we had to rush to get payment out via overnight. The customer service staff said there is no policy in place to address the lock out from online payments nor is there an appeal process. They said it is a system lock out. 

So, for the next six months we are required to make payments via certified check and put it in the mail. How is this helpful? It just builds customer animosity. 

How is this helpful to the consumer? Why aren't they required to provide advance notice to the customer? Why aren't they required to have a policy in place to notify the customer, provide advance warning, and provide for an appeals process?
Product: Debt collection

Please note that XXXX credit bureau has deleted the disputed item. However, capital One has intentionally posted it again. I believe that capital One has posted this again on purpose to ruin my name. I have the original screenshots of the item being deleted by XXXX. But Capital One has intentionally posted the deleted item again. Please see attached screenshots of original deleted items from XXXX. 
Account name : CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$2000.00} Highest balance {$2300.00} Terms NA On record until XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Applied for and approved for Capital One credit card. Received card and account was restricted pending additional documents because of suspected identity theft. Called Capital one on XX/XX/XXXX or XX/XX/XXXX to help get ID submitted. They provided a new link via email and instructed me to take a picture with case number by picture. Submitted picture and called on XX/XX/XXXX to check on status at which point was told account was permanently restricted. Offered to send any other document they needed to verify identity such as a bill or W-2 and they refused to help any further. I originally submitted a state issued Alabama driver 's license as requested. They said the account would remain on my credit regardless of whether the account could be used. In my opinion, they should not have issued and sent the card if they suspected identity theft and also should have allowed me to send additional documentation to prove identity, which I would have gladly done. They should remove account from my credit report if they are going to refuse to help me clear this up.
Product: Debt collection

I have attempted to reach out to Midland Credit Management multiple times at the phone number listed on their listings on my credit reports. I have not been able to reach anyone due to being told that the department who is handling the accounts are busy. I have been attempting to advise them that I am a victim of Identity Theft/Fraud and to notify them to remove their listings on my credit reports fro XXXX, XXXX, and XXXX. Due to not being able to reach anyone by phone. I did send documentation to their Compliance department via email and they are still reporting to my credit reports. I have removed the fraud alerts from my reports that were previously listed as they prevented me from accessing my own credit file which made it difficult to catch fraud as I had no access to my credit file and do not authorize any alerts being added but only listings to my credit file being removed by Midland Credit Management and providing proof that they have processed removal request via Eoscar and written letter on letter head uploaded to the CFPB portal.
Product: Debt collection

The account was settle for a lower amount and they said that they were was going to remove it from my credit after it was paid. I asked several times to make sure that they were going to remove it after it was paid and it was not.
Product: Checking or savings account

Union Bank charged my checking account on XX/XX/2022 overdraft fees that are not valid. 
This fee was caused by the change of the order in which transactions were processed on XX/XX/2022 and XX/XX/2022. To date a total of {$110.00} in overdraft fees have been charged to my account.
Product: Debt collection

Upon examining my latest credit report, I noticed multiple fraudulent accounts that were added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Co account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX has violated my rights 15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX, has violated my rights15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish a account without my written instructions. 

Other accounts I see on my credit report that are in violation are below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account 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 an account without my written instructions.
Product: Debt collection

XXXX XXXX sent me a debt collection letter to collect {$670.00} on XX/XX/year>. 

They apparently purchased the debt from USAA SAVINGS BANK or are collecting this debt on behalf of them. 

I, the consumer and original creditor, never authorized USAA SAVINGS BANK to communicate with any third party debt collector thus 15 USC 1692c ( b ) was violated. 

XXXXXXXX XXXX  designed and sent me a deceptive debt collection form violating 15 USC 1692j. XXXX XXXX is not the creditor participating in the collection of this debt making this attempt to collect unlawful. 

Also, In the letter sent to me, they were 54 words which were very profane and abused me as the reader in which I was very offended by violating 15 USC 1692d ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account that is appearing on my credit report for all three bureaus that does not belong to me. 

XXXX  - Acct # XXXX XXXX {$0.00} Opened  XX/XX/2019 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputed documents in XXXX, XXXX and XX/XX/XXXX to all three credit burueas TransUnion, XXXX and XXXX  disputing information that is incorrectly being reported on my credit report. The account in particular is XXXX XXXX   acct # XXXX, account opened on XX/XX/XXXX and was closed and charged off in XXXX for XXXX! This account is reporting incorrectly and each month after the account has been closed still reports monthly that the account is passed due! How is this so, when it is closed and charged off since XXXX! The account per my credit report was last updated XX/XX/XXXX yet up until now XX/XX/XXXX it was reported past due and late! This is in direct violation of fcra and I am demanding that this account is removed from my credit report and all points low because of it be restored to my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting me as 30 days late on the XXXX/XXXX   partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the two bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts
Product: Checking or savings account

Dear CFBP, I am writing this letter out of extreme desperation, My name is XXXX XXXX owner of XXXX XXXX XXXX. We are a construction XXXX primarily specializing in healthcare facilities. We were awarded a restoration project for a medical facility in XXXX XXXXXXXX, TX. We were issued a check of {$50000.00} as a 40 % deposit to begin work, pay our labor, and purchase materials. The insurance adjusteXXXX for XXXX ( insurance company for hospital ) was whom we were in contact with and who mailed the check to us. On XX/XX/XXXX we went to Chase bank located at : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX My business partner opened a business checking account and deposited the check sent to us. They told my business partner that I had to be present as well to open the business checking account but they would still begin processing the check. The next day XX/XX/XXXX I went to the branch, brought ID and signed off on the account as well. We were told it would take 3-5 days to clear the check. The following Monday XX/XX/XXXX my business partner received a call from branch manager claiming that they were going to put a freeze on the account due to the check being made out to XXXX XXXX instead of XXXX XXXX XXXX the name as it appears on our LLC. We figured it would not be a big deal and reached out to the Insurance provider for the hospital XXXX to verify the check, however Chase claims that since the check says only XXXX XXXX ( name of the company who owns hospital ) that they would need to get in touch with someone from XXXX XXXX since thats what it says on the check and so the insurance adjuster provided all documentation that he could to verify it, but XXXX back office claimed that they need a phone number that matched in their system for the check issuer ( XXXX XXXX ) to verify it. We tried to explain that this is an insurance claim and that even though the check says XXXX XXXX as the issuer it was XXXX who made the check out to us on the behalf of XXXX XXXX. Chase still keeps claiming they need a phone number that matches in their system for XXXX XXXX and will not do anything besides matching phone numbers in there obviously outdated system to verify this check. They have now closed our account and refuse to even return the check to the issuer because they claim it has been processed and cleared. We are in a huge financial burden as of now as me and my partner have scraped up our personal funds to keep the project going. this is now going on a month and we have no resolution from Chase. please help We were contacted by Chases executive team rep and provided him with a point of contact that would verify the check was supposed to be made out to us. XXXX XXXX XXXX and he was able to verify the check with Chases executive team I even have a email saying the branch manager had confirmed the check has indeed been verified and Chase is not answering our phone calls or providing us with any updates. They are still holding our funds
Product: Debt collection

On XX/XX/XXXX with Acima I wanted to close out my account with the total of {$280.00}. The payment was made after the weekend because they were closed on the due date. The Representative kept telling me I could not close out the account and they give you just one day to make the payment which the customers would not know. I asked constantly if I could close the account out and he said no. I would have to continue to pay every 2 weeks. As of today I received at text saying my account was passed due it has been 3 months. I now have a total of {$250.00} due without any notice and I thought my account was closed. The company argues back and forth with you and lie and say they are the supervisor until you say that you need to make a complaint. I should not feel like I am about to have an anxiety attack when speaking with a creditor. I am a student and and I tried to do the right thing and pay off my account.
Product: Credit reporting or other personal consumer reports

I went to a Debt Consolidation Company, Lending USA, and after paying them they were reporting on my Credit Report 3 Times.

They were to use the Debt Consolidation Loan, and payoff the Credit Cards.

Instead all of the Debt is still on my Credit Report. 

XXXX XXXX is On My Credit Report, who I never did business with along with Lending USA.

They are illegally reporting kn my Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX XXXX. The Fair Credit Reporting Act, XXXX XXXX. XXXX XXXX XXXX states accurate information must be reported Please delete this bankruptcy from my report
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute inaccurate and misleading information being reported on my credit report. The inaccurate reporting is not only hindering my ability to obtain credit, but it is also negatively impacting my financial well-being and personal reputation.

Enclosed with this letter are the details of the disputed account, along with my personal information to help verify my identity and expedite the resolution process.

Under the provisions of Section 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the following item. I ask that you provide proof of the account, including a copy of the original contract bearing my signature. If you can not provide such proof, I request that you either update the record to show the account as " Paid in Full/As Agreed '' or remove the item from my credit report entirely. This matter is of great importance and has a direct impact on my daily life. 

The details of the item in dispute are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX This account is currently listed as a collection/charge-off on my credit report. However, I have not received a 1099-C form for this charged-off debt. I request that you either provide me with a 1099-C form to accurately reflect this as a charge-off for tax purposes, or immediately update my credit report to remove this item. XXXXPursuant to Section 1681i ( 6 ) ( A ) of the FCRA, please provide me with a description of the procedure used to determine the accuracy and completeness of the information within 15 days of the completion of your investigation. I appreciate your prompt attention to this matter. While these may seem like minor reporting errors, they have significant consequences for me, especially when it comes time to purchase a home, secure a vehicle, obtain a business loan, or even seek employment. I kindly request that you expedite this process. 

Thank you for your time and consideration. 

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

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by Experian. This has caused me financial injury and defamation of character. I can't get approved for my mortgage or apply for credit loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only affecting myself, but my children and family as well. Delete these inquiries and accounts from my credit report immediately! 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX and XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX and XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX, EXPERIAN Inquired on XX/XX/XXXX, EXPERIAN Inquired on XX/XX/XXXX and XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX EXPERIAN XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XX/XX/XXXX DEPT OF ED/XXXX {$930.00} XX/XX/XXXX DEPT OF ED/XXXX {$3800.00} XX/XX/XXXX DEPT OF ED/XXXX {$2700.00} XX/XX/XXXX DEPT OF ED/XXXX {$3700.00} XX/XX/XXXX DEPT OF ED/XXXX {$7400.00} XX/XX/XXXX DEPT OF ED/XXXX {$2300.00} XX/XX/XXXX DEPT OF ED/XXXX {$2300.00} XX/XX/XXXX DEPT OF EDXXXX {$1800.00} XX/XX/XXXX DEPT OF EDXXXX {$3000.00} XX/XX/XXXX DEPT OF EDXXXX {$3600.00} XX/XX/XXXX DEPT OF EDXXXX {$3900.00} XX/XX/XXXX DEPT OF ED/XXXX {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as the XXXX credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/XXXX, 2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report. Please direct them to conduct proper investigation and not purchase my data from 3rd party vendors such as XXXX XXXX or XXXX I am in the process of filing a complaint to FTC and DOJ for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has shared my social security number, credit report and confidential information there in without my consent to MRS Associates who illegally and without my consent have violated my privacy. 

I am requesting MRS associates and XXXX to remove the false reporting from all three credit agencies and off my credit file as they have not responded to my request in 30 days to prove they have accurate information to receive my confidential information to report to all three credit bureaus. 

I have not signed an agreement with MRS and associates to contact me, nor have my confidential information nor report errors to all three credit bureaus. 

Therefore the reporting is illegal and inaccurate information given to all three credit bureaus as well as my right to privacy and protection has been been violated.
Product: Credit card

My payments on this account have always been punctual, and I've never let them become overdue. I'm confused about the reported late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be addressed.