23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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. This debt is NOT mine and needs to be removed immediately from my credit report. 
the account from XXXX XXXX XXXX date opend XX/XX/year> acct # XXXX that is in collections, and XXXX XXXX XXXX opened XX/XX/year> acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan with XXXX XXXX XXXX was consolidated into one loan as a federal student loan which is in good standing. My XXXX account was then closed and removed from my credit history as a result. However, Sequium Asset Solution has apparently reopened the account stating that I owe them {$2500.00} as of XXXX and they are reporting that I opened the account on XX/XX/XXXX. My loans from XXXX were from XXXX so I have no idea where they got this information. I have never had an account with them, I have never borrowed money from them and for them to send me to collections for an account that has been consolidated is fraudulent. I even spoke to them when they called and told them that it was already closed out. I have had ZERO collections accounts since XXXX and had no new loans of that amount since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and noticed my student loans are not reporting correctly for 2021 and my loans are deferred now, but it is showing my loan payments are late and it is affecting my credit score and holding up the process of me purchasing a home. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these late payments must be investigated or deleted from my credit record within 30 days and updated. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
Accounts : DEPT OF ED / XXXX XXXXUS DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, ( CFPB Complaint # XXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.

FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law.

2. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.
Product: Mortgage

I applied for a mortgage and locked my rate on XX/XX/XXXX. I have been stuck since at least XX/XX/XXXX. I was told " We are waiting for one final item to be provided by title and the loan will go to closing. '' I've asked my loan officer multiple times on what the status and issue are, only to be told they are waiting for the title company. My rate is locked until XXXX XXXX, XXXX   so less than 3 days now.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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 I seek appreciate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency TransUnion has done nothing to correct my Credit Report. I have notified them that XXXX XXXX XXXX and XXXX XXXX XXXX Have added on Fraudulent Charges after the accounts were closed by me. I want an Investigation into the practices and policies of both banks that Go out of their way to add Fraudulent Charges to credit cards that has A {$300.00} Credit Line. Both credit Cards were closed with a {$150.00} Balance. Looking forward to hearing from you at your earliest convenience. XXXX XXXX XXXX XXXX XXXX XXXX Card Number : XXXX XXXX XXXX XXXX Card Number : XXXX
Product: Credit reporting or other personal consumer reports

Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of XXXX XXXX after the consumer has notified the consumer reporting agency and provided the required information and documentation. Section 605C of the FCRA and section 1022.142 of Regulation V, specify the documentation and information required to support a request to remove information on the basis that it resulted from XXXX XXXX
Product: Debt collection

On XXXX XXXX, XXXX at approximately XXXX EST, I received a call from Phoenix Financial Services . The caller asked to speak with someone ( I assumed it was me but he butchered my name ) and immediately disclosed my date of birth. The conversation went something like : Debt collector : Hello, is this XXXX XXXX? 
Me : Yes, I 'm sorry who is this? 
Debt collector : This is Phoenix Financial Services attempting to collect a debt, is your date of birth XXXX XXXX, XXXX? 

At this point I asked him why he would disclose my date of birth almost immediately. He responded : because I can. Do n't lecture me on the law, you are n't the only person with that date of birth, it 's not unique. 

Of course, I hung up because I refuse to be insulted and yelled at by a debt collector. As far as I know, under HIPAA policies, identifiable information such as date of birth should not be so lackadaisically offered over the phone. HIPAA is relevant in this situation because he was attempting to collect a medical bill. 

Other issues that I had with this call is : 1. This debt was paid in full back in XXXX. I was taken to the emergency room after an assault - due to the nature of my injury I was referred to a local program that took care of my entire medical bill. 
2. The debt collector did not allow me the opportunity to validate the debt. The moment I started talking he starting yelling. He claimed 'he was doing me a favor ' and that 'I should be grateful '. 
3. Prior to this call, I have did not receive any notices or other calls pertaining to this debt. In fact no one has contacted me about this account since I left the hospital ( which was about 2 years ago ) * replaced with random information
Product: Debt collection

On XX/XX/2022, I mailed a Validation of Debt [ Exhibit A ] and Cease and Desist Letter [ Exhibit B ], to EXCHANGE CREDIT PROGRAM with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via Certified Mail # XXXX [ Exhibit C ]. EXCHANGE CREDIT PROGRAM received these instruments on XX/XX/2022. Respondent was given thirty ( 10 ) days from day of receiving Validation of Debt and day of receiving Affidavit of Truth to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned Secured Party can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper.

AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH [ Exhibit D ] was sent to EXCHANGE CREDIT PROGRAM as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # 7019-2280-0001-4861-2443 dated August 30, 2022, and received on September 6, 2022 [ Exhibit E ].

Conditional Acceptance Formal Conditional Acceptance [ Exhibit F ] was sent to EXCHANGE CREDIT PROGRAM as a result of their failure to comply with demands stated in the Validation of Debt Letter, unpaid Invoice ( Bill of Particulars ), and Non-Compliance Affidavit. Said Conditional Acceptance was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. 

NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by EXCHANGE CREDIT PROGRAM, having not received and showing no record of response to items listed in my Conditional Acceptance sent XX/XX/2022 via Certified Mail # XXXX and received by EXCHANGE CREDIT PROGRAM on XX/XX/2022, said Conditional Acceptance is now in Default. 

NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of EXCHANGE CREDIT PROGRAMs failure to cure and honor Fault places EXCHANGE CREDIT PROGRAM in Default. For the course of dealing, set forth herein, with EXCHANGE CREDIT PROGRAM failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, and Conditional Acceptance constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Conditional Acceptance Further Affiant saith not.

All documents have been sent to Exchange credit union and are too large to share in this format. They can be provided if requested by an outside party.
Product: Debt collection

DISPUTE WITH MIDSTATE COLLECTION SOLUTIONS I XXXX XXXX believes that there ar

e medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer. This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. 
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in XX/XX/2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a formal dispute letter to Experian regarding unauthorized credit inquiries on my credit report. In the letter, I requested a reinvestigation and the removal of inaccurate inquiries, citing violations of the Fair Credit Reporting Act ( FCRA ) : Section 604 ( 15 U.S.C. 1681b ) : Consumer reporting agencies may only furnish reports under specific permissible purposes. The inquiries in question were not authorized by me, nor do they have valid evidence of permissible purpose.

Section 611 ( 15 U.S.C. 1681i ) : Information that is inaccurate, incomplete, or unverifiable must be promptly deleted or corrected following a reinvestigation. Experian has failed to reinvestigate or address my dispute within the legally required timeline. 

Despite my written request, Experian has not responded or provided any resolution. I am requesting CFPB assistance to ensure compliance with FCRA standards and the immediate removal of the unauthorized inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 1681n. Civil liability for willful noncompliance XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once 2. 1681i. Procedure in case of disputed accuracy XXXX Account XXXX : XXXX This Account is inaccurate and Im seeking litigation please delete at once. 
3. 1681n. Civil liability for willful noncompliance XXXX XXXX Account XXXX : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
4. 1681i. Procedure in case of disputed accuracy XXXX XXXX XXXX 
Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once 5. 15 U.S code 1681b ( a ) ( 3 ) ( a ) XXXX XXXX Account Number : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
6. 1681s - Administrative enforcement XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
7. 15 U.S code 1681b ( a ) ( 3 ) ( a ) XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transaction was authorized, I was charged fees to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my accounts transactions.
Product: Credit reporting or other personal consumer reports

I have written to XXXX, via certified mailed. I informed XXXX that I received letters from XXXX XXXX XXXX XXXX XXXX  Court and the Court stated that do no not verify bankruptcy information nor do they report to any credit bureaus. 

XXXX did not and does not have written consent from me to release my private information to their credit reporting agency, neither did the Court request them to list my personal information. This is a violation of my privacy. 

There is no written nor verbal consent from me to report my private information to any bureau, XXXX, XXXX nor XXXX, nor XXXX, yet they all are reporting without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax continue to report inaccurate information. I have disputed this issue several times. I have requested the reported information be verified and validated with the original agreement, agreement or account with my signature matching the dates they continue to report. The companies refuse to provide me a copy of my request. Instead alter information reporting and lying stating the information has been verified as accurate and continue to report. Neither XXXX  nor Equifax reports state the same exact information and both should be held accountable for supplying information like that when their mistakes determine if a person has to walk or can buy a car. These reporting agencies have very bad unethical habits of reporting and supplying negative information which is a violation of a consumers right to fair reporting. Please see attached documents. Under no circumstances should credit reporting be allowed without actual documents to validate and verify what is reported. Because XXXX  and equifax have refused and failed to provide me a copy of validation, I demand the derogatory report permanently removed and deleted from my report.
Product: Credit reporting 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 XXXX 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 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Re : Complaint Against Midland Credit management for Unlawful Debt Collection Practices Dear CFPB, I am writing to file a formal complaint against Midland Credit Management inc for violating federal consumer protection laws, including : * 12 CFR 1006.34 ( b ) ( 5 ) : The debt collector has failed to provide validation of the debt, including the amount, creditor name, and account number, as required by law.

* 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The debt collector has not provided me with a reasonable opportunity to dispute the debt.

* 15 USC 1681s-2 ( a ) : The debt collector has engaged in false, deceptive, or misleading practices in connection with the collection of a debt. 
* 12 CFR 1006.34 ( d ) : The debt collector has furnished information to a consumer reporting agency without providing all required disclosures.

Original creditor : Midland Credit management inc Account opened : XX/XX/year> Amount owed XXXX I request that the CFPB investigate this matter thoroughly and take appropriate action against Midland Credit Management inc. I also request that the CFPB order the debt collector to : * Provide validation of the debt as required by law. 
* Remove the debt from my credit report. 
* Cease all collection activities. 
* Pay damages for the harm caused. 
Thank you for your time and attention to this matter. I look forward to a prompt and fair resolution. 
Sincerely, XXXX XXXX
Product: Debt collection

Refinanced home mortage with XXXX XXXX. That loan was closed and finalized on XX/XX/XXXX. Freedom Mortgage continues to state that I did not make payment on my loan in XX/XX/2020, as well shows a late payment for XX/XX/2020. The loan was paid in full on XX/XX/XXXX via the new refinance loan. Freedom has reported to all credit agencies that I am currently delinquent on my loan payments when in fact they still owe me overpayment.