23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX has failed To fulfill its legal Obligation under The fair credit reporting act ( FCRA ) To conduct a reasonable reinvestigation Of disputed information on my credit report, Leaving inaccurate Or unverifiable Accounts unresolved. The consumer Financial protection Bureau ( CFPB ) has recently Filed a lawsuit against XXXX, alleging systematic issues such as failing to forward Consumer provided evidence To furnishers, Accepting unreliable responses, And failing to adequately notify Consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite my evidence I provided causing Ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my right as A consumer
Product: Credit reporting or other personal consumer reports

XX/XX/2024, XXXX conducted a credit pull that I did not authorize, as it was intended to be a soft inquiry. I kindly request the immediate removal of both inquiries from my credit report. Thank you for your attention to this urgent matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

Dear MIDLAND CREDIT MANAGEMENT I am writing in response to your recent communication regarding the alleged debt you claim I owe. While I appreciate your attempt to address my concerns, your response does not fully resolve the issues I raised. I require immediate action on the following points : Incomplete Debt Validation : You claimed that a validation letter was sent on XX/XX/year> ; however, I did not receive this letter. Under the Fair Debt Collection Practices Act ( FDCPA ), you must provide proof of delivery. Please send me a copy of the validation letter along with certified mail receipt or tracking information confirming its delivery to my address. Failure to provide this proof constitutes non-compliance with FDCPA requirements. 

Insufficient Documentation : The information provided does not include the purchase agreement between Midland Credit Management and XXXX XXXX. To validate your claim and ensure compliance with relevant regulations, I require a copy of this agreement and documentation showing that the account was accurately transferred and reported. Simply stating that your verification meets FDCPA standards is insufficient without detailed supporting documents. 

Licensing Verification : Your statement about licensing and bonding is vague. Please provide specific documentation proving that Midland Credit Management is licensed to operate in Illinois. Failure to provide this documentation will prompt further investigation into your compliance with state regulations. 

Cease and Desist Confirmation : While you have marked the account as Cease and Desist, I need written confirmation that this status has been updated with all credit reporting agencies and that no further collection attempts will be made, except as legally required. 

Account Accuracy and Documentation : Your response lacks detailed proof of the charge-off amount and the balance at the time of transfer. Please provide comprehensive documentation from XXXX XXXX  showing the final charge-off amount and balance. Inaccurate reporting could lead to further actions. 

Given the lack of proper validation and the inadequacy of the information provided, I am formally requesting the immediate removal of the collection entry from my credit report. If these issues are not resolved within 15 business days, I will escalate this complaint to regulatory authorities and pursue legal recourse for any violations of my consumer rights. 

Thank you for your prompt attention to this matter. I expect a complete response and resolution without further delay. 

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

XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Regarding Experian 's Inaccurate Dispute Results To Whom It May Concern, I am writing to file a formal complaint regarding the inaccurate dispute results provided by Experian on XX/XX/XXXX in response to my efforts to rectify fraudulent information on my credit report. The disputed collection account, as outlined below, is erroneous and has not been appropriately addressed by Experian despite my efforts. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$320.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Original Balance : {$320.00} Highest Balance : - Terms : 1 Month On Record Until : XX/XX/XXXX I dispute the validity of this collection account and would like to bring to your attention the following points of concern : 1. **Certification of Accuracy : ** Experian 's response stated that the reporting company had certified the accuracy of the information. However, I have reason to believe that this certification lacks credibility, as the collection account in question is fraudulent. 

2. **Lack of Verification : ** Despite my dispute, Experian has not provided any proof or verification of the alleged debt. This directly contradicts the doctrine of estoppel by silence, as established in Engelhardt v Gravens ( MO ) 281 SW 715,719. I maintain that no proof of the debt has been provided, thus raising questions about the existence of such a debt. 

3. **Fraudulent Collection : ** Given the circumstances and my thorough investigation, I am confident that this collection account is a result of fraudulent activity. The account was opened without my knowledge or consent, and I have taken all necessary steps to safeguard my personal information. 

In light of the aforementioned issues, I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter. I urge Experian to reevaluate their response and take the necessary steps to remove this fraudulent collection account from my credit report. Additionally, I seek your intervention in ensuring that Experian adheres to its obligation of providing accurate and verifiable credit information to consumers. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Mortgage

I modified my loan XX/XX/XXXX. I have been making my regular contractual monthly mortgage payments each month since then. In XX/XX/XXXX I noticed that my web access was cut off and called to find out why. I was advised on the phone that my mortgage was 1 month delinquent. I reviewed my checking account statements and I made very single monthly payment on time. I wrote to the mortgage company for an explanation and I received the attached letter dated XX/XX/XXXX which stated that prior to the modification on XX/XX/XXXX they mistakenly applied {$660.00} to my loan. on XX/XX/XXXX my modification and new loan agreement took effect and I made my payments timely. In XX/XX/XXXX they took my monthly mortgage payment reveresed it took {$660.00} and placed {$1500.00} in a suspense account thus making my mortgage delinquent one month. They did this without ever notifying me of their actions. I am now being threatened with foreclosure for their error.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My name is XXXX XXXX XXXX and I am a resident of XXXX XXXX XXXX XXXX. I am filing this complaint because I had two accounts with Bank of America ; one was a personal account and the other was a Business Account. Both of these accounts got shut down in XXXX XXXX XXXX without me being given any information or notice of the closings. I have reached out to the Bank on multiple occasions and was always given different reasonings as to why this happened. One of the reasons I was told was that it was Fraud, but was not given any further details of the incident, but I did confirm the fraud was NOT committed by me. I have been trying to fix this issue for over a year and nobody from the Bank of America corporation has been of any assistance to me. There was also money that was kept and never returned to me from my Business account. This issue has caused me to not be able to open any other accounts at different banks as I have tried multiple times. It is extremely difficult and such an inconvenience to my life as I have to pay bills, kids, work etc. I need whatever hold is on my information lifted and to be able to have a bank account. As a consumer money is insured by the Federal Deposit Insurance Corporation and is supposed to be returned to me! I also should be able to have a functioning bank account. I need further assistance with this matter and soon!
Product: Debt collection

On XX/XX/23 I sent out a letter stating I was in total disagreement with this company 's investigation response. Nordstrom/TD account # XXXX the alleged account is listed as a collection with A PAST DUE BALANCE OF {$1300.00} This is a violation of requisite XXXX XXXX  Compliant Reporting standards. Please remove this inaccurate information from my credit report as it is affecting me negatively.In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand that they provide actual proof the information was verified not computer generated confirmation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX Euro, was transfer to a XXXX XXXX via my Pay Pal account. I never issues or authorized this transaction. It is also not consistent with any of my other transaction which are always in USD and usually under {$5.00}. Paypal is refusing to acknowledge this is clearly fraud. Paypal has locked my account and is essentially holding my account hostage to force me to pay this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was suspended from employment, I did request from XXXX XXXX a forbearance plan for XXXX, XXXX and XXXX. I went back to work and re start the payments on XXXX XXXX. I asked them what will be the next step in relation with the forbearance, they told me they need to modify the loan and ask for all the documentation, i did submit all the documents back in XXXX, but still not resolution up to today. I ask the why they keep sending me statements with late payments due, and they answer not to pay attention to them. Last thing that happened is that they report to Equifax a missing payments report on the loan and i lost 85 points on my credit score, i did call them regarding this issue and they told me they can not fixed.another thing I notice on my statement they are collecting on my payments MIP and PMI insurance on my mortgage, and my understanding is that should be only one, no both.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance - ; XXXX XXXX Balance - ; XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance XXXX ; XXXX  XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I have not consented to my credit being checked and reported XXXX institution
Product: Checking or savings account

After having a problem with a Payday Lending company taking too much or charging too much interest I sat with the bank and explained the situation and asked if I could closed the existing account and open a new account to resolve this matter. I was I could, I opened the account. They told me that the old account closed only to later find the account was charged a service which I brought to a XXXX balance this past Friday and i was asked if I wanted to keep that XXXX. I said yes because it should be closed. I don't need two accounts. The next day I realized that they took $ XXXX+ instead of just {$4.00} for maintenance fees. This emptied my new account. I first call customer services to explain that it seems to be a account error. I was told to go back to the bank. I spoke to the person who I originally spoke to changed accounts. He directed me to the teller who served me that Friday who happened to not be working Saturday. I just left the bank today and now they want to direct me to the branch manager but told me they had a right to go in the new account without my authorization. How do they have that right to basically dip into any account when most of the time most banks make it necessary for you to transfer monies from a checking to a saving unless you signed prior authorization.
Product: Debt collection

On XX/XX/XXXX a " Withdrawal By Check '' for the amount of {$1900.00} was taken from my Checking account, which was the entirety of my account. When I called Navy Federal Credit Union to ask why this had happened, she transferred me to the garnishment line and told me it was due to a garnishment being filed on my account. I currently reside, and have resided in the state of XXXX XXXX Since XX/XX/XXXX. The landlord who is suing me, lives in the State of XXXX  and is suing me in the state of XXXX My attorney, XXXX XXXX XXXX and I called the garnishment line of NFCU to tell them that due to me residing in the state of XXXX  and have been since before the official XXXX  XXXX filing, the garnishment of my bank account is non enforceable and they took the funds from my account when they shouldn't have. NFCU responded that there was nothing they could do, even though they wrote a check to the creditor when they shouldn't have.
Product: Mortgage

We were told that our equity loan of 10 years with interest only monthly payment was to expire and that we would need to pay both P & I for the next ten years, {$2200.00} per month. When discussed with the bank they suggested we wait till the first payment due and then request a modification which we did. ( see attachments for correct dates etc. and communications ) on XX/XX/2018. at the bottom of the form it stated we would have a result in a week, well we tried and tried to get an answer and finally after threats to them got a refusal for a modification based on insufficient income in XXXX. 
My wife and I have been customers of T D Bank for over 40 years with all our accounts there, never missed a payment to them for anything. we have no other debt but for monthly credit cards and all paid in full each month. our credit ratings are XXXX for each of us. 
Understand we accept the fact that they could do this refusal. it is amazing that they would think that we could pay {$2200.00}. but refused to give us a extension for the interest only loan with a payment of some {$600.00}. P/M. We did make 2 of these {$2200.00} dollar payments just to keep our credit rating while waiting for an answer to our request which we should have had by XX/XX/XXXX, 5 to 6 days per their modification document. Finally in XXXX they refused to give us an extension or a new loan with interest only. My wife became very sick over this and worried about the destruction of our credit ratings. 
We went to another local Bank and were given a loan in 2 days to pay off T D Bank. This delay and refusal should never have happened this way and should never happen to any others with like conditions.
Product: Payday loan, title loan, or personal loan

I had spoke with three different people at the 1st heritage credit location in XXXX MS we had agreed to make a one time payment of and work out the rest.. I then the very next day got an email from a XXXX saying I needed to make a payment I had been tested for covid that day and this has been an ongoing process I have had three tests and have been off work for three months in and out of the hospital I have been told that the people have shown up at my house demanding money. This is harassment
Product: Student loan

My loan went into default due to losing my job and created an inability to maintain payments. The loan was turned over to Performant Recovery, who would be offering me solutions to get the loan back into good status. My total balance remaining when the loan went bad was $ XXXX. I am uncertain of the exact amount as Performant would not provide me that information. First issue, Performant forced me into a rehabilitation program at a rate of $ XXXX/month. Even after I submitted all my monthly expenses and showed I could not afford the plan I was told it was $ XXXX/month non-negotiable or I would have my wages garnished. Keep in my mind I just got back to work from being job-less for 7 months. So, I sold personal belongings and cut every single expense to make the XXXX payments of {$800.00} XXXX totaling $ XXXX ). Second issue, after I successfully completing the rehab program my loan was transferred to XXXX to finish out the remainder of payments ( which no documents have been sent to me by either company yet ). I just found out that the $ XXXX paid to Performant only reduced by balance by $ XXXX meaning Peformant took thousands in fees ( which were never disclosed to me before entering the Rehab plan ). I called on XXXX/XXXX/16 to request copies of all disclosure forms ; explanation of all their fees ; and a copy of where I agreed to such terms. Performant told me they dont have copies and ca n't get any records because they are no longer active on the loan. Based on my experience working for XXXX XXXX I find this to be deceptive if not illegal actions by both Peformant and XXXX. I know that Lenders/Servicers are required to provide documentation/disclosure forms regarding loans. I need help solving this issue.
Product: Credit reporting or other personal consumer reports

This communication serves as a formal demand for immediate corrective action regarding the egregious inaccuracies, inconsistencies, and outright violations of XXXX XXXX reporting standards on my consumer report. The deliberate and reckless handling of my data by [ XXXX, Equifax, XXXX ] not only violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( B ) but also demonstrates gross negligence in adhering to XXXX XXXX guidelines as mandated by the XXXX XXXX XXXX XXXX ( XXXX ). 
Legal Violations and Evidence of Noncompliance I have meticulously analyzed the accounts below and have uncovered multiple, undeniable violations of federal law and XXXX XXXX compliance standards. Your failure to adhere to these obligations is unacceptable and must be addressed immediately : XXXX. Account Name : XXXX XXXX XXXX ( Account # XXXX ) o Late Payment Reporting : The dates of late payments are inconsistent across all three bureaus, violating XXXX XXXX Section 620 guidelines for uniformity. 
o Account Status Conflict : Reporting the account as " current '' while simultaneously showing delinquency is contradictory and noncompliant with FCRA 623 ( a ) ( 1 ). 
o XXXX XXXX XXXX : The reported high balance varies across bureaus, undermining the accuracy and reliability of this data. 
o Dispute Comments : Your records indicate that a dispute was resolved, yet the reporting is incomplete and lacks clarity, violating FCRA 611 ( a ). 
2. Account Name : XXXX XXXX ( Account # XXXX ) o High Balance Variance : The reported high balance differs significantly among bureaus, violating uniformity requirements. 
o Date Opened : Inconsistent reporting of the account opening date across bureaus is a blatant failure of XXXX XXXX compliance. 
o Payment Frequency Missing : Inadequate reporting of payment frequency violates Section 620 of XXXX XXXX for incomplete data. 
XXXX. Account Name : GLOBAL FCU ( Account # XXXX ) o Date Closed Discrepancy : The " date closed '' field is inconsistent, undermining data accuracy as required by FCRA 623 ( a ) ( 1 ). 
o Account Type Variance : The account type is inconsistently listed, further violating uniform reporting standards.

o Payment Status Conflict : Reporting " paid '' while maintaining delinquency comments is contradictory and noncompliant.
Product: Payday loan

I am inquiring about a payday loan I had with Ace Cash Express between XXXX XXXX XXXX XXXX XXXX. I was informed that if I took out a loan within the timeframe noted above that I would be compensated due to the XXXX XXXX settlement that you all reached. I want to make a claim because I did have a payday loan with Ace at that time. Can not recall exact date. I do not have the loan papers anymore. I visited the Ace Cash Express on XXXX XXXX in XXXX Co. for XXXX dollars and was banking with XXXX Bank at the time. When and how will I be compensated? 
thanks XXXX XXXX
Product: Debt collection

I do not owe a debt of any kind to anyone. Neither mysel, f ( XXXX XXXX ), nor my husband, ( XXXX XXXX ), owe anything. All our bills are paid up in full each month. Harris and Harris called me with a recorded message Saturday, XXXX XXXX,2017 and said they were a debt collector & to call their offices at XXXX. The recorded call said their offices were open Monday through Thursday. There was no names given as to who owed a debt. My son, XXXX XXXX, lives here and all his bills are being paid on time also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting inaccurate information on my consumer report along with Equifax without my consent I have. they are furnishing my report and it is causing me harm when it comes to my financial goals, physical health and mental health. per the law it is illegal for them to furnish my report without my consent. they claim that I owe them XXXX dollars without any proof and I need them to remove this off of my report immediately.