23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Funding LLC still has a judgement attached to my credit report that was written off by the creditor in approximately XXXX. I went through the unfortunate era with many others who lost property and/or could not pay debt. The company did a charge-off. The file was purchased by Midland. They bought paper, which does not include any oral or written agreement between them and myself. Furthermore, I did research on the court status of this document. After the documents were served on me years back, I did an answer [ which shows in court records ]. I never received any further court date. When I went to both XXXX and XXXX XXXX, it showed that document never made it to a court room. Therefore, to me and others, it pointed to possible fraud. I am now XXXX years of age and in bad health and need my credit clean to move into XXXX. I have reported this company prior to this. Below are document info : XXXX {$4500.00}. Date filed XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this information and it was removed.. However it has been placed back onto my credit report without proper notice. The accounts that were removed are XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent letters to XXXX, Transunion, XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX  # XXXX, DEPTEDXXXX # XXXX ( balance showing {$7700.00} ), DEPTEDXXXX # XXXX ( balance showing {$22000.00} ) XXXX # XXXX, XXXX XXXXXXXX # XXXX However they stated everything was complete and accurate. But how is that possible if the date opened, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

15 USC 1681 section 602a states I have the right to privacy.

15 USC 1681 section 604a section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make 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 USC 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. 

Also they are not in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/
Product: Debt collection

my identity was stolen and several accounts were opened in my name including these.
Product: Credit card or prepaid card

Recently, I received an alert from my credit monitoring system which indicated my credit limit on a card decreased {$9600.00}, an over 60 % decrease in my available credit. I contacted a representative from the credit card company to discuss. The representative explained the significant decrease in available credit was due to increased usage of their card and a recent increase in credit inquiries. I explained the increase in inquiries was due to applying for a loan to install solar panels on my home and my increased usage on the credit card account was expected to be temporary, as evidenced by my recent large repayment, and per review of my account, I have not missed payments nor been late on any payments. He indicated they could possibly look at my account again however, not for a while due to the recent review. I explained how the egregious decrease in available credit would significantly reduce my credit score and artificially make future credit inquiries more difficult. Due to their unwillingness to continue to work with me as a customer, I informed them I would pay down my balance and then close my account, which would continue to negatively affect me from a credit and cash flow standpoint however, I will not work with a company that arbitrary hurts their most loyal customers.
Product: Mortgage

I had a home disaster and it was settled with XXXX, which tok a year. I had not been home in over a year and it is expensive for that mortgage and two households. I am not behind in any payments. 

I endorsed the check, along with my public adjustor and sent t to Carrington Mortgage Company LLC. I called them, since I need this settlement to pay for repairs, vendors and be reimbursed by the vendors. I sent in every document they request in the initial packet and thought it would be a simple process. 

Every time I call there, I get a different person on the phone. The claim is not handled by one person. When I ask for a supervisor, generally, they are not available. I am told that something will be done and they lie to me, it is not done. I am not called back to explain why. I need an inspection of my home done, first phase, so it can be completed and fixed. when I get off the phone thinking this is corrected, I call a week later and nothing was arranged and they need, yet another document and don`t explain in detail, why. Carrington is sitting on the money to fix my home, so I can go home. They never call me for any further documents and never inform of anything The supervisors say they will call me back and NEVER do it. They have questioned me and my contractor about me, which is unacceptable. It has been two months and the contractor and vendors need the money to fix the home. The inspection has been delayed by this company for over a month. I asked explicity what they need and they never give me a complete answer. According to the packet I sent them, from day one, they have everything they need. My public adjustor called them to offer and documents and they stated to him they have everything they need. My contractor calls for an inspection, and they never get back to him with a time/date as promised. They are sitting on this money and I can not afford to live somewhere else any further. I am lied to and diverted to the next person and next. I need my home fixed, the rest of the money released and to get this done. Carrington is delaying the process, since XXXX XXXX it has been a real challenge.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are violating my consumer rights by reporting incomplete, inaccurate, and authorized information. The Fair Credit Reporting Act clearly states that the credit reporting agencies have a duty of reporting information that is 100 % accurate or else they are civilly liable. I need all inaccurate, incomplete and unauthorized accounts removed immediately. Under penalty of perjury, I swear these accounts are false and misleading and are a result of the XXXX XXXX XXXX, the XXXX XXXX XXXX, and Experian Data Breach. Remove all accounts immediately! This is a Direct Violation of The FCRA by Reporting falsely
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 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.
Product: Debt collection

The voicemail was left on Tuesday XX/XX/2022 at XXXX eastern standard time by portfolio recovery. This voicemail was left on my family member 's phone number stating that this is a call from a debt collector for XXXX XXXX. They are not allowed to disclose that they are debt collectors prior to speaking with me directly and confirming that I am in fact who I say. Not on a voicemail
Product: Credit reporting or other personal consumer reports

Inquires I did not authorize. 

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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

So I have experian, they put my credit as XXXX in XX/XX/year>, I assumed my credit was going up, I. Was in the process of buying a house. But now I can't even see my credit. When I called they said now my score is unscorable! I don't understand and it's nothing on my credit that has changed.
Product: Debt collection

Collection company here contacted me never have I ever received any verification or documentation on this debt. It says its for a XXXX XXXX I contacted XXXX and was transferred to The best service company. First I have copy 's of my credit reports where it states I owe XXXX then updated to XXXX dollars And when I disputed with the credit report agency 's It was updated to XXXX The Fair Debt Collection Practices Act says collectors can add fees or interest only if the amount is " expressly authorized by the agreement creating the debt or permitted by law. '' That requires having a copy of the original card agreement to prove the interest is permitted. I have Not received no Validation of debt. Then when I contacted them the Man stated that if I give the goods back and hand over some cash this will all go away. What gets me the most is he stated he is already in the process of suing me and filed documents with the XXXX California Court already, which he did not, It has been XXXX months since the phone call and this is a violation A debt collector can not falsely threaten you or threaten you with illegal actions California Civil Code sections 1788.10-1788.11 ; 15 United States Code sections 1692d-1692e. I am diagnosed XXXX and this caused me XXXX which is not good for my well being. Also the original charge off on my reports states accounts day of first delinquency is XXXX XXXX the best service company has it listed has XXXX XXXX which account should show accurate date of original charge off account. Date of removal is listed on the original charge off as XXXX XXXX, but the best service company has extended the debt and is showing XXXX XXXX. Which is also a violation in Fair Credit Report Act listed in Sections 623 ( a ) ( 5 ) and 605 ( c ) ( 1 ).
Product: Mortgage

Please refer to Case number -  XXXX , attached Cover Letter to CFPB dated  XXXX   XXXX ,  2017 and  Exhibits A  - D  XXXX  Also, the funds that were obtained from EverBank  &amp;   XXXX  through the National Mortgage Fraud Settlement and the Multiple Consent Orders and then distributed to my state 's ( Georgia ) Attorney General (  XXXX   XXXX  at the time ) were never re-distributed pursuant to the settlement and consent orders as required. To the best of my knowledge, the funds were converted ( misused ) by my state apparently for roads work. All I know, is that I never rec 'd any of the funds. Had I rec 'd the funds as required, then I would have been able to get my loan current and avoid foreclosure. I also applied for funds/relief through Hamp/Mfa and through the  Hardist Hit Fund . EverBank  &amp;   XXXX  violated &amp; failed to comply with multiple metrics as defined by  XXXX   XXXX , the mortgage fraud settlement monitor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the companies listed below and account numbers, have violated my rights. 

1

5 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX Account NUmber : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Account Number : xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX Account NUmber : xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Phone Number ( XXXX ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX Phone Number ( XXXX ) XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX ( XXXX ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX ) XXXX Account Number : XXXX
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Exactly 18 months ago, I opened a XXXX Capital One credit card with a 0 % promotional APR for 18 months. For the past 18 months, I have been paying down the balance of my credit card in equal installments to ensure no interest was charged. As my last billing cycle closed in XX/XX/2022, I paid off the full remaining balance of ~ {$1600.00}. On my XXXX statement, i was charged about {$30.00} in interest. However there was no balance to apply any interest to. Furthermore, my interest rate of 22 % doesnt mathematically correspond to the interest amount charged. I attempted to resolve the issue with Capital One customer service and they suggested I pay the interest this time and I wont be charged interest again,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never authorized these inquiries. I have never gave anyone permission for these inquiries. I do not have accounts connected with these items. I do not know the origins of these items. I do not recognize them and I want you to delete them because its a fraud!!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent my FTC report and license to XXXX, TransUnion, and XXXX. I have fraudulent accounts reporting on my consumer report. There is a {$1000.00} fee per violation for reporting inaccurate information on a consumer report. I will be filing a civil suit.
Product: Vehicle loan or lease

I purchased my XXXX  Toyota XXXX the loan was financed by Toyota Motor Credit they have predatory lending practices. My loan was financed at 12 % for 8 years. The interest was ridiculously high. Finally I had to sell my car on XXXX XXXX for XXXX dollars but I still owed them XXXX dollars. I bought my car XX/XX/2014 for XXXX dollars ended up paying XXXX plus in interest to end up with no car and very little money to show for it. I do hope you can help me in this matter. Toyota Motor Credit should be stopped from taking advantage of consumers.
Product: Credit reporting or other personal consumer reports

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Collection Bureau of Kansas is illegally charging intrest on a XXXX Municipal Court Debt. Intrest was never included in original agreement. According to the Fair debt collection practices act that is a violation of subsection 808.

Under k.s.a. chapter 12-4119, the municipal court is allowed to contract a collection agency for no more than 33 percent of original principal which I completely agree with. I am willing to pay the principal and collections fees, but not the thousands of dollars in intrest which CBK has absolutely no authorization to collect by their contract or any Kansas law. They are currently sueing me and trying to garnish my wages.
Product: Credit card or prepaid card

XX/XX/22 I bought a new truck in XXXX my score wasn't the greatest my bank advised me to get a XXXX so I didn't it's an XXXX XXXX by Chase had a $ XXXX limit I've been using it and paid it off each month last month was like {$1000.00} this month was {$1200.00} I got an email on Sunday from credit bureaus saying my score dropped XXXX points I paid the amount as usual before due date so today I called Chase explained to them I only have the card to increase my score y'all allowed the limit to run over but I paid it y'all still docked my score XXXX points they increased my limit to $ XXXX but I want those hit on my credit fixed I do not feel it is fair
Product: Credit reporting or other personal consumer reports

Recently, I looked a copy of my credit report and noticed several Inaccuracies on my accounts. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 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 XXXXXXXX All have incorrect information and have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to Privacy. 15 U.S.C 1681 Sections 604 A Section 2 : It Also States a consumer reporting agency can not furnish an 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: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. 1681i section 611XXXX states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumers file.The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). A dispute was submitted on XXXX XXXX to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in the Fair Credit Reporting Act.
Product: Student loan

My student loan was discharged because the Department found that XXXX XXXX XXXX XXXX engaged in widespread misconduct that violates consumer protection laws under the borrower defense regulations.I attended to XXXX XXXX XXXX XXXX while operated from XX/XX/XXXX through its closure in XX/XX/XXXX. During the time I was charged and fully payed over XXXX dollars. From XX/XX/XXXX to XX/XX/XXXX I struggled with my credit and affected me economically. I contacted the company on XXXX for refund but did not received any information.
Product: Debt collection

Portfolio Recovery Associates reported a XXXX XXXX Account which they bought from XXXX XXXX to the credit bureau as not settled. I am making monthly payments to PRA since XXXX 2015 after acknowledging to them that this was indeed my account. I checked my XXXX credit report and saw a collections by PRA showing as not settled. Why would you report this to a credit bureau when I was not late on my payments. In fact you get it right away because my bank sends this electronically to you. As of today, XXXX XXXX, 2015 the full amount of {$34.00} has been electronically sent to PRA by my bank and this is the final and last payment per our agreement. I want PRA to remove that record in my credit report as not settled for {$35.00} which is not only the correct amount but false information. You made it appear that I was not making payments to you for this account. and I am asking you to remove this in my credit reports.