23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management is reporting this as an open debt on my account which is a violation of code:15 USC Code 16815-2 and I also disputed it since it was opened fraudulently and let them know that I had no police report for it since it had been done by my ex, who was a police officer at the time and basically had me convinced that no one would care or open a report for it since he was an officer at my local police department. I was young and naive still when this happened, so stupidly I believed him and never reported it thinking no one would do anything anyways and I have no way of even contacting him or getting contact information for him now and have since moved out of state too and they refuse to close it out or even report it as closed which isn't fair when I already have an auto loan to pay off, student loan debt to pay off, and I am XXXX snd can't work anyways and have a XXXX XXXX son to take care of and multiple XXXX XXXX myself which make it to where I don't even want to eat or drink anything at all multiple days in a row at a time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I notified XXXX XXXX of my divorce to XXXX XXXX XXXX and sent them a copy of my divorce decree and special warranty deed. Both documents show I am no longer responsible for any part of the mortgage of the property located at XXXX XXXX XXXX XXXX, Texas XXXX. XX/XX/XXXX I received a release of liability statement from the Department XXXX XXXX XXXX and faxed that as well. I also faxed all above mentioned documents to all three credit bureaus. The mortgage was removed from all three bureaus around that time. Sometime in XXXX the XXXX XXXXe reappeared on my equifax credit report. I found this error only last week unfortunately. I contacted equifax and filed a dispute. Equifax responded with XXXX said it was a factual debt. I have fought with XXXX over this mortgage and all the 60-90 day lates and I am tired of dealing with something that feels unwinnable. At this time this is the only thing hurting my credit my FICO score would not be in the low 700 's because of a XXXX Equifax credit score because of fraudulent reporting. This is no longer a mistake it's fraud when it is taken of then put back on and the reporting company has the information knowing it shouldn't be there!
Product: Checking or savings account

I tried to open an account and they told me I had one open with them I told them that was fraud, and they need to close it until no vale they sent it to XXXX XXXX. the date was 2015 and the amount was {$500.00}
Product: Payday loan, title loan, or personal loan

I took out a personal line in XXXX of XXXX and in XX/XX/XXXX I caught XXXX XXXX a XXXX case. I called them to set up an arrangement once I was out of the hospital at which time they refused to set a repayment plan. The company decided to go to court to obtain a judgement in XXXX of XXXX at witch time the judge on my case instructed them to stop the interest and also advised they could not refuse payments. Every week in XXXX I called to make a payment as they locked me out of the online option. Every week my $ XXXX payment was still refused even after the judgement. On XX/XX/XXXX I reached out again to make a payment towards the account and I was told that again they are refusing my payment and they have filed for garnishment. On XXXX I received notice of garnishment to appear in court with {$2000.00} in additional interest being added to the balance. This loan was for {$6500.00} they have now assessed XXXX in interest and fees of which {$2100.00} was added AFTER the judgement in XXXX where they were instructed to stop all interest and fees. Since this conversation I have made 2 additional calls to make payment that was refused.
Product: Credit reporting or other personal consumer reports

It's been 30 days since I submitted a CFBP complaint on XX/XX/2023. Experian has violated FCRA RULE 15 USC 1681. IT'S Now BEEN MORE THAN 30 DAYS.. EXPERIAN HAS NOT RESPONDED TO MY COMPLAINT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ), XXXX XXXX, ( XXXX ) contents of complaint : this has been filed to request pursuant to FCRA sec. 605B ( 15 U.S.C sec 168c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within FOUR Business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts, SELF 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 These accounts has resulted in several fraudulent Collections and negative accounts appearing on my FICO credit report. I have also attached FTC REPORT ( s ) ( Identity Theft Criminal Complaint ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are fraud.
Product: Checking or savings account

On XXXX I tried logging into my Ally Bank account. It said my password and username did not match. Which was weird to me because I have it saved in my iphone in the passwords options so I haven't changed the login information in years. I then try to reset my password and it says my account is blocked. 

So then I called Ally and they tried resetting it and it didn't work. Then they tried to give me a newpassword it still did not work. I have no access to my accounts at all. They transfered me to a technical associate and they still don't know what's going on. Usually I wouldn't worry as much but I just paid all of my bills so i don't know if there's enough in my checking. Secondly, I am abroad and will be until XXXX XXXX so not having access to my money is a big issue because I only took out XXXX in cash.
Product: Debt collection

I have been called 7 times in less then 12 hours, including 4 in a one hour span. Tuesday XX/XX/XXXX and XXXX. Company is IQ data international
Product: Vehicle loan or lease

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Westlake Services Inc will be civilly liable under Title 15 U.S. Code 1692k if Westlake Services Inc failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by XXXX XXXX XXXX. 

My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ Natural Person
Product: Money transfer, virtual currency, or money service

I contacted cash app to see why my saving was closed. They told me to read the terms. I did just that and still unsure why my account was closed. I reached back out to them because it wasn't anything fraudulent going on with my account no nothing. All they told me was it's nothing else they can tell me. I mean it's my account, it was closed for no apparent reason and they wasn't trying to give me an explanation as to why. Then I'm asking them can I just get my funds it's basically like they're telling me no.
Product: Checking or savings account

I had a trust account in XXXX  XXXX  some how my XXXX tex return was deposited in that account the amount of {$7100.00} is was a wrong deposit so the bank locked my account and then Supposedly sent back the money to the irs was thay never got back the money I was in contact with irs filed a complaint the answer was that the money was never returned I know you will as y I'm just now filling a complaint a this is because I did know about filling a complaint a friend of mine that had a similar problem with capital one told me about filling a XXXX complaint I'm still hopping to get my money
Product: Debt collection

Ally has been calling my phone trying to collect my brothers debt. I've told them numerous times they are calling the wrong person and they still call me. I've been yelled at, hung up on, and I'm tired of it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that I reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchased a vehicle with a loan from USAA. We paid the loan off in full, they sent us the title and a letter stating that the loan was paid in full. They then proceeded to report our last payment as overdue. Despite calling them and disputing the item on our credit report they continued to report it. It's been a few years so the damage has been done but I would still like it gone.
Product: Mortgage

In XXXX of XXXX I began a loan modification trial period that lasted until XXXX of XXXX. All Payments through XX/XX/XXXX have been made with no problems. Then the XX/XX/XXXX check was sent in, but it was returned on XX/XX/XXXX of XXXX. Upon being approved for a modification, the trial period began in XXXX of XXXX and was supposed to end in XXXX of XXXX. Because of mistakes made by Fay Servicing on the modification, we continued paying the trial period bill until it came back for signing and notarization. In XXXX of XXXX, the modification payments started. As mentioned above all payments were submitted via XXXX XXXX XXXX XXXX. 
As I looked upon the billing statements on this account in regard to the new modification in Fay Servicing online service, it has the account starting in XXXX of XXXX. The Trial period began in XXXX of XXXX. How can this be? So, they have us 3 months behind on payments prompting a pre foreclosure. I called multiple times to speak to an account XXXX nobody was able to help. XX/XX/XXXX, I called and was told via an account XXXX ( XXXX ext. XXXX ) that my account would be elevated to a supervisor. On the same call we were told to call back in 48 hours. We called back on XXXX XXXX and we were greeted with a new account XXXX ( XXXX XXXX XXXX, who was very rude in his delivery, he told us that XXXX noted the account and sent it to his supervisor and not to keep calling back, because the process takes some time. We ask, how long does the process take, because we need answers now. A pre foreclosure letter has been sent out and we need answer now not later. So, we gave them about two weeks till after the XXXX to give them some time. We contact them again on XX/XX/XXXX, like clockwork we were greeted with a new account XXXX who was unable to provide a decent service. The young Lady told us that nobody had done anything to our account much less looked into the problem we have. Like XXXX, she too has noted the account to be looked at by her supervisor, we ask for her supervisor 's email to at least gain some type of traction, to no avail. Not only is this pain to deal with, it makes it worse for the borrowers who are dealing with an issue to hear in the background people laughing, carrying on as if they are enjoying the frustration. Fay Servicing does not provide adequate information for borrowers concerning their account. An Itemized allocation of payments made is nonexistent to the borrower to explain exactly where their payments are being applied. We were told multiple times that one of our payments were dispersed unto other areas that I have no clue of or why. We ask that Fay Servicing correct the account according to the new modification that began in XXXX of XXXX. The payments for XXXX and XXXX of XXXX will be made to bring account current. Continuing payments will be made moving forward. Also, to add, having already gone through this before with them, via the judge 's decision in court, no payments were required to be made until the new modification began in XXXX of XXXX. So XXXX, XXXX and XXXX of XXXX are irrelevant.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I had a lender do a credit check for a house rental. The lender sent me an adverse letter stating a credit score that can not be justified by the Experian. I spoke with 2 representatives on XX/XX/2019 who declined to advise why they are reporting my credit score is reporting lower than what they are providing. Experian has refused to provide me with accurate information about my credit score and my credit reporting that is hindering my ability to find a new house. I have demanded that they provide me with accurate information consistent with the Fair Credit Reporting Act. And they have failed to provide me with accurate information about my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts/inquiries are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these requests whatsoever. Please remove these alleged inquiries as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent inquiries. Please delete these alleged inquiries as they are causing a substantial amount of harm and inconvenience to me as consumer.
Product: Debt collection

Portfolio Recovery took me to court in XXXX XXXX Georgia and caused me to miss HALF A DAY OF PAY from my job. They did not even show up to court. I made numerous phone calls and was given no reason as to why they did not show and they did not care that I missed PAID WAGES AT MY JOB.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Vehicle loan or lease

Santander Consumer Agency has not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed a Late Payment in my consumer report. 
I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Consumer Agency is violating my consumer right by using false misleading, misrepresentation and deceptive means.

This Consumer agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting or other personal consumer reports

inaccurate Reporting of information 15 U.S. Code 16815-2. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors ( a ) Reporting information with actual knowledge of errors A person shall not furnish 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate ; correct in all details ; exact Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Canceled or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 5-2 Says you, XXXX XXXX XXXX , is a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX BANK/XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, XXXX, and XXXX BANK/XXXX  XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Product: Credit reporting or other personal consumer reports

upon reviewing my consumer report I noticed hard inquires that I did not make nor did I approve anyone to pull my credit report.
Product: Debt collection

Midland Credit Management ( aka Encore Capital ) continues to contact me regarding a credit card debt collection. MCM sued in Superior Court for the contested credit card debt ; the suit was DISMISSED AT TRIAL and has not been refiled. However, MCM continues to call and harass for debt payment.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau : I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I am creating this report for second time to inform you that I have been a victim of identity, theft, and my personal credentials have been used in order to apply for fraudulent credit card account. I never authorized anyone to open a credit card under my name most of the fraudulent accounts have already been removed, but one of them came back hence I am creating an identity theft report again to dispute and remove the following credit card account from my credit report. 

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

Equifax continues to send me the same documents over and over again. Stating I need to file a complaint with Identity theft, I already sent the identity theft report and drivers license and social security number to identity theft and to Eqifax. So therefore Equifax needs to fix my complaint because all of the steps have been taken care of. Thank you, XXXX XXXX
Product: Debt collection

Back on XXXX, 2019, I sent to KOHLS/CAPITAL ONE a request to fix this problem. There is a Kohls/Capital OnXXXX account # XXXX that has incurred in fraud charges.I did not authorize or benefit from any of these fraudulent charges. I tried to fix this with the company by sending letters with FTC attached but they did not do anything about it. My credit score is being affected because of this, Please help me to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got financed for a used vehicle that totally broke down after a month of getting it. 
I volunteered to get it repoed. They cussed me out and continued to threaten me to pay on it even though I couldnt drive it and said they arent going to put it as voluntarily. 
The remaining balance is incorrect. All the numbers are incorrect. 
They continue to bash my credit month after month after closing my account. They wont talk to me and keep hanging up on me. Its Veros credit.
Product: Debt collection

Accusing us of living in a closed state, thus excusing them of responsibilities of sending us itemized debts owed, a phantom cost of {$300.00} is being reported that we owe them. They are not giving information and refuse to send anything to us. We 've faithfully paid every medical bill, but they are harassing us about this.
Product: Checking or savings account

Capital one 360 is not updating my account to active hours.