23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor provides loans via a downloadable app found in the XXXX and XXXX XXXX XXXX - The Company 's name is Possible Finance. There is a technical issue with the creditor 's application. 

After receiving a {$200.00} loan and agreeing to scheduled repayments, two payments were processed however I incidentally switched primary banks and even after updating the banking information in the application, lasting technical issues in the app caused the payment details to not be updated, which in the end caused this mix-up. ( See attached screenshot 1 - Possible App - Scheduled Payment ). The screenshot shows the two successful payments followed by the two unsuccessful payments that resulted in the outstanding balance of {$120.00}. 

The issue is, even after many attempts to provide new banking information within the application, their system does not process the request and for some reason does not update with the information that I provided. What specifically happens is, the app allows you to go from screenshot 2, to screenshot 3, and finally after entering the information requested in screenshot 4, their system reverts back to screenshot 3, and nothing happens to update the banking information. 

Additionally, this creditor does not provide live-contact information to reach someone directly from their company. Communication access is granted via a contact submission form, and I have completed multiple inquiries and requested to have this information updated as soon as possible to resolve this matter. I am currently still waiting for a response from their company to get this information updated. I have attempted multiple times to pay the amount owed, however, due to the technical difficulties of the app and their application this has been impossible. 

Also please be advised that the following customer support phone number for this creditor, which can be found through a simple XXXX search - XXXX - provides a single message without prompts that include support options and advises that no support is available through the telephone number and that communication is done solely through the company 's app. After the message plays, the line disconnects. 

I have exhausted every option to reach this creditor. I am filing this complaint with you, the Consumer Protection Financial Bureau hoping to garner your support in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion, XXXX, and XXXX to remove XXXX inquiries that were put on my report, by law when you are looking to purchase a vehicle you have a 30 day window to shop without getting hit with a ton of inquiries, instead it shall only be XXXX inquiry for that auto loan. I expressed that there were incorrect and missing information on my report and the agent simply refused to remove these inquiries or remove the incorrect, not updated accounts. The auto loan itself isnt even reporting to transunion but does show up on my XXXX report. 

I was a victim of identity theft in 2019 and I was part of a police investigation in XXXX XXXXXXXX and the police did find the person but Ive been attempting to fix my credit since. 

There is also incorrect, not updated information on a bankruptcy on my report and its showing accounts and balances still owed that were included. I have mailed certified letters multiple times with no response. I have proof of the multiple contact attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to experian on several different occassions. Disputed the same information at least 3 times. Then they continued to send me a letter that states they refuse to investigate. I called and disputed the information again and they investigated. They told me that they contact the furnisher of the item on the credit report and asked them that if the items are true. I sent a letter asking if they can furnish the contracts that states that this debt is true and they stated that they dont review those items. That is a clear violation of the FCRA. Lastly, they are showing items on my credit report as open, when indeed they are closed. These items are from XXXX XXXX. They intentionally increase and decrease the balances within the month to make it appears as if I agreed to make payment on the account. I have explained this to Experian and they still refused to report it accurately. These accounts should be reported as closed. I will be seeking damages against the collector and experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

On XX/XX/XXXX filled an dispute with chime for the amount of XXXX due to an issue with an atm dispensing money. On XX/XX/XXXX I received an email stating the investigation was completed and claim was denied. How is that possible that chime in one day completed an investigation without even requesting the information from the atm merchant? This is not the first time I have filled a dispute with chime and even in the past I have being denied the claim in less than 24 hours. Banks are requested by law to investigate all claims. In the past I had to contact consumer financial protection bureau and even started a lawsuit against chime for not complying with the dispute process.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ENHANCED RECOVERY COMPANY plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

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 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
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX CA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( XXXX ) such authority.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the actions of XXXX and XXXX in light of the recent lawsuit filed against them by the Consumer Financial Protection Bureau ( CFPB ). The allegations of unfair and abusive practices outlined in the news raise serious concerns regarding the integrity and reliability of our credit reporting system. 

As highlighted, XXXX and XXXX have failed to uphold their responsibilities in providing accurate credit reports. This negligence not only damages individual consumers but undermines trust in the entire credit reporting industry. The allegations of misleading debt collection practices and the lack of timely responses to consumer disputes are particularly alarming. It is unacceptable for consumers to navigate a system that, instead of protecting their rights, exploits their vulnerabilities. 

Moreover, the implications of inaccurate credit reporting on individuals ' lives are profound. Many consumers have already faced the dire consequences of wrongful credit evaluations, including denial of loans, higher interest rates, and public embarrassment. The XXXX XXXX actions are crucial in addressing these injustices and holding XXXX and XXXX accountable. 

I urge the CFPB to pursue this lawsuit vigorously and to ensure that these companies are held responsible for their actions. It is imperative that we create a more equitable credit reporting framework that prioritizes consumer rights over corporate profit. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Faie Credit Reporting act 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 an account without my written instructions.
Product: Debt collection

This company keeps harassing me. This company is claiming that I have multiple accounts with them. This is entirely inaccurate. Midland Funding is Im accurately reporting on my credit file. I have no knowledge of the accounts that they are reporting. 

The accounts listed as : Midland funding {$3200.00} Midland Funding LLC {$340.00} The accounts listed on my credit file are not my accounts. 

Midland Funding LLC are in violation of the FCRA. 

I did NOT give Midland Funding LLC any authorization to access or report on my credit file. 

Please have these accounts removed immediately. I have never been associated with these accounts. I have no knowledge about the accounts being reported. 

I have asked for verification, validation as well as my signatures on any documentation pertaining to the accounts listed negatively on my credit file, they have not responded after my many attempts of reaching out to them. 


Midland Funding LLC has threatened me with lawsuits and garnishing my wages but has mot provided me with any of the information I have asked for regarding these accounts. I work extremely hard for my money. It is unethical and unfair for Midland Funding LLC to hold me responsible for accounts that dont belong to me. 

I have no obligations or signed contracts with Midland Funding LLC. 

I look forward to having Midland Funding LLC remove all accounts that they are negatively reporting to be removed from my credit file!
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. Chapter XXXX Bankruptcy Discharged XXXX
Product: Mortgage

Hello my name is XXXX XXXX and im trying to obtain a loan modification to save my house. In this process has made me very confused and feel mislead.Trying to obtain a loan modification threw Carrington Mortgage Services seems impossible. I do n't even know which bank or mortgage company im even dealing with .The statements that are being sent out says XXXX XXXX XXXX and other statements says Carrington Mortgage services.When your also dealing with XXXX different people who is asking to submit information that you already submitted in which I mailed faxed and emailed 5 different occasions it makes you wonder what is going on with this company. My account was assigned a representive from there company but never could get a hold of her and she also said was n't receiving certain documents that I faxed 6 times to there company. I believe and will be proven that there conduct is not only unproffesional but unfair as well. Each and every time I submitted a loan modification packet I was told I did not meet the time requirements as far as them receiving information they needed from me on time and it was always pass the deadline they gave me to that they said they received my paper work. So I was told and letters being sent out to me stating that I was not approved for a loan modification twice because they said they never received my 30 day profit and loss statement but I faxed it to them 4 times well before the deadline they gave me. I was never told I did n't qualify. I just would like to save my home for me and my children, a string of un fortunate events lead me to this position that im in and I just want to save my home for forclosure which is scheduled for sale on XXXX/XXXX/2015. Which gives me very little time to figure this out. I believe threw there unproffesional and misconduct and tactics on acting like there not receiving certain information is a direct attempt to discourage me and in there actions directly cause me to lose my home instead of doing a loan modification in a honest way which would help me save my home. Im getting different info from Different companies for instance Carrington Mortgage Services sends me current mortgage bills, XXXX XXXX XXXX sends me current Mortgage debt as well. This whole ordeal has me lost and confused. If you could help me out in anyway in this matter I would truly appreciate it and would be thankful if you could help me get some honest results in this matter. Im actually working with a company called XXXX to also try and help me in this serious time sensitive matter. So with combined efforts I hope something can be done for me and my children so we can stay in our home and live the AMERICAN DREAM .Thank you for taking the time to read this letter. I work for ups and I own a cleaning company, i work hard to provide for my children and will do the same in making sure i can keep my home for us.
Product: Credit card or prepaid card

card reinstatement however, for that we assess a {$25.00} reinstatement fee for all Consumer and Business products that qualify for reinstatement ( approved ) from a derogatory status. 
XXXX - XXXX XXXX  I am not sure what that means American express ... processed an auto draft Instead of drafting the min.balance they drafted below the minimum and accessed a {$40.00} late fee. I thought that was unfair ..because they often write and tell me with my low balances they won't accept any auto payment ... XXXX account ending in XXXX .... They adjust the payment all the time ... except when it is to their advantage ... American Express ...
Product: Debt collection

They have barraged me with constant threats- via mail each letter more sinister than the last. XXXX have not contacted concerning a resolution of the reported credit card debt I tried to reach them constantly. 

Meanwhile, Midland Credit Management has been ruthless with its lies, and methods of collections- Damaging my credit. I wanted to speak with a XXXX ref I could not get through over a year ago XX/XX/year>. They next just made it a charge off. With bad stuff on my credit report for years. As Midland Credit Management send me threatening notices with a supposed repayment schedule that I should remit to them at least once a week.
Product: Credit reporting or other personal consumer reports

I recently carefully went through my credit report and found that several items being reported on there were inaccurate information. 

Under 15 USC 1681 e - ( b ) Accuracy of report 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.

Under 15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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. 


The Privacy Act of 1974 ( Pub. L. 93579, 88 Stat. 1896, enacted December 31, 1974, 5 U.S.C. 552a ), a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies The Privacy Act states in part : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains ... [ 2 ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian factual base dispute here is the exact location of of XXXX XXXX XXXX federal court house in the city of XXXX totally different from what youre reporting please remove from my credit file immediately what youre reporting is Inaccurate in false Allegations see file for physical proof again removed from my credit report and please please send me an updated credit report with the deletion of that public record thank you so much Experian XXXX why in the XXXX do you think its ok to supply incorrect information? Remove this right now!
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd Request On XX/XX/22 I informed XXXX that it was XXXX fraudulent accounts on my credit report. Some try to get a car or something in my name. There should be a fraud alert on my report. So Im not understanding how my credit is being pulled without my written consent. XXXX and XXXX XXXX failed to do an investigation after they responded and said the was working on it. Per the FCRA this is a violation with can result in a of XXXX per I deleted item per Section 611 ( a ) ( 5 ) you failed to investigate this. Plus delete these fraudulent inquiries to day. I have a car and credit with XXXX XXXX and didnt go looking for a car!! 


Please see attached ftc report and inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer REPORTING agencies which is XXXX, Experian and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports.

Which is a violation. This is impacting me from moving forward to buying a house for my family.

I attach my previous credit report and my new credit report to show how Experian violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of reports on my credit that arent mine!
Product: Debt collection

I had a XXXX XXXX  credit card with XXXX. Due to the Pandemic and loss of a job I wasn't making my full payment. They sold my account to Midland Credit Management. I started making payment to them on XX/XX/2021 and was making them every month ( made 2 payment in XXXX XXXX. Than I get a letter that states payment for the full amount or seek a lawsuit against me. I called and gentleman told me they have NEVER receive any payments from me and that I owe the full amount. I told him I'm have cancelled checks! I tried again to speak with someone to resolve this, but they stated THAT I'm lying that they've never received any payments. But, I could stop them from suing me if I paid the full amount! I'm on unemployment, there NO way I can come up with {$3300.00} dollars right now and I think they know it. So, if they sue me in court they will get a bigger judgment against me. Now they have in fact filed a lawsuit against me for the full amount with no payment taken out! I have the canceled checks front and back! They are NOT interested in taking payment they only want the FULL amount right now!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report its showes wrong public record which is bankruptcy filed it not belong to me i also have a FTC report filed about identhithy theft and have a fraud alert on my report Try to contact all tree credit bueros but they did not fix it they told that is acurate and updated but when im trying to get answer where they got this information thay are telling me that they get the public record information from 3rd party which is by law i call the bankruptcy court to check any information related to my social security but they told me that they are not sharing any personal information to anyone most they are not gaving information to all credit beuaros so im trying to get answer where are they got this info and place it on my credit report it is not my public record it must be removed please help me to resolve this Thank you