23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Funding has been calling me and mailing me for a long while claiming I owe them {$9200.00} on a XXXX account numbered XXXX. I have stopped paying all XXXX accounts as of XX/XX/XXXX due to facing devastating financial losses at the time. We know XXXX does not allow reporting to credit bureaus on delinquent accounts that are over 7 years old. I contacted XXXX, and they confirmed that no such account number existed in their systems. I have detailed stored information on my servers going back to XX/XX/XXXX and I attest that I have never had this account. I contacted Midland Funding and they had me on hold for very long times, and were not willing to send me proof of payment made by me on this account less than 7 years ago. I am getting declined on credit applications due to this derogatory information being reported by Midland Funding. 

They have themselves admitted to XXXX on the attached report that the account was to come out on XX/XX/XXXX, yet they are not willing to remove from XXXX. I have disputed with XXXX, but they claim Midland will not remove. 

I request the assistance of the CFPB to get them to immediately remove this false and damaging trade-in/collection. 

Thank you
Product: Debt collection

Receiving calls about XXXX XXXX debt? They will provide no information as to who or how much
Product: Vehicle loan or lease

I sent GM Financial a letter requesting all documents regarding the account that they are reporting on my consumer reports. XXXX XXXX XXXX XXXX XXXX Its been over 30 days and they havent sent anything and still reporting this account on my credit reports. 

By law they have to send me documents regarding the repo and they didnt. This is a violation and they can not report this account Im demanding GM Financial delete this account for failing to provide proper notices and documents per my request.
Product: Credit card

Citi XXXX XXXX : Harassment calls several times a day, for days after making a payment. 
I received a phone call that I missed a payment. It was in fact numerous phone calls thoughout a day. When I called in the automated system to make a payment ( almost XXXX times the amount requested ), I continued to receive the annoying computer generated calls throughout the day. For the day I made the payment, and three days later. Three days later of up to XXXX calls a day each and every day, including Sunday evening, at random times. 
This same thing happned a few months before, were even after making a payment I received numerous calls each day for a few days after my payment was made. After calling in both times to speak to a customer service rep, they acknowledged my payment, and apologized that there system does not recognize payments made on certain days, until some days later. I informed them this is harrassment and no excuse. 

I would like to see that Citi is prevented from harrassing people that have made the proper payment, and calls immediately cease once a satisfactory payment is made. Their calls have interrupted my family and business time, and have been harrassing in nature with the frequency and time both on Sunday and in evenings each night. 

I would like to see this investigated and fined to prevent this from happening to others.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their disputes resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Specialized Loan Servicing determined on their on accord that my escrow account was under funded and are now suspending my mortgage payments and reporting to the credit agencies that I am not making my monthly payments. They did not provide any justification for the means of determining that my escrow account was underfunded. My tax payments and insurance payments continue to made out the escrow account as the balance remains positive. In early XX/XX/XXXX I was contacted by SLS and told that my payments were late and asking me to confirm when I would be making my mortgage payment. Upon logging into my account I determined that enough money remained in my escrow account to pay my taxes and insurance. My mortgage payment is setup as an automatic bill pay. I did not send an additional payment. I was contacted again at the end of XX/XX/XXXX by SLS to discuss the issue. I scheduled a meeting with a manager to get an explanation for the increase. The meeting was XXXX XXXX onXX/XX/XXXX. I did not receive a phone call from them. They continue to harass me on a regular basis. They claim they are collecting a debt, but refuse to explain the means for determining the funding requirements for my escrow account. SLS is currently the defendant in a class access law suit for trying to force people to buy their insurance. It is my opinion that they are a predatory lender trying to manufacture foreclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to pay this debt. The creditor service did not have a record of the debt. 
It's lost.And a negative remark I was able to have removed from all my other credit reports exept XXXX. Please help me remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act section 605b, and the Credit Bureaus ' failure to address the issues raised to their attention. I have been a victom of fraudulent activities and the accounts and information they have been reporting on my Crediet File are the results of such crime. I previously asked the Major Credit Reporting Agencies to remove investigate and remove the accounts and information that resulted due to fraud but upon viewing a copy of my updated Credit report, I am disappointed to see that the Credit Bureaus did not act accordingly. The following items should have been removed fro my Credit File, but instead, the Credit Bureaus continued reporting these items without properly verifying the items : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023. I have read the Credit Bureaus ' respomce via the CFPB and they claim that the items they report are accurate yet they have failed to provide supporting documents. If what the Credit Bureaus claim is true and that the disputed items belong to me, I need them to present necessary supporting documents bearing my signature. And in the event the Credit Bureaus fail to do so, I expect the Credit Bureaus to remove the disputed items as soon as possible.
Product: Student loan

A few weeks ago I received a letter requesting I contact Discover Student Loans regarding an uncashed checke they had reportedly mailed to me several months previously. The check was getting ready to expire. I did not recall ever getting the check. I called and was advised that a replacement check would be mailed to me soon. Since I did not receive the replacement check, I contacted Discover Student Loans through their website on XXXX XXXX, 2017. <P/>They advised : " I regret to inform you that we can not process your request at this time. We are required to forward the uncashed check amount and your information to the CFPB. '' Therefore, I am contacting CFPB, as instructed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX has violated my rights. On XX/XX/2021 there was an unauthorized inq

uiry. 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 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: Credit card or prepaid card

On XX/XX/XXXX I made 2 transactions with my chime account. I transferred XXXX from my XXXX account and I went to XXXX and added XXXX after that. I put the money on the card to pay for my utilities and the only reason I didn't do it immediately was because I needed to add another XXXX for the fee. My notifications said my email address was updated and next one said the phone number on my account was updated. This was at XXXX. I checked my phone and tried to access my account but I was unable to because all my info had been changed. I called chime immediately and I was on the phone with different agents for the rest of the night and I was just told to change my email address and phone number on the account but the card was still active. I sent them everything they requested from me and I still haven't received anything in regards to a resolution, they have not deactivated my account or card and they have failed to update the email address i gave as an alternative so I still can't access the account to see what transactions were made, i called twice since to have them correct the email address and they have not. Instead I am being treated like i am personally being investigated. There has been no response to refunding my money, and I have been receiving texts from the same people who have stolen my money and account info. They are saying that I authorized the transfer. If I had, I would not have changed my info before I allowed money to be transferred from the account. I feel like I'm being treated like this criminal while they continue to access my info, and now texting me and asking me to send my access code. I have spoken with my family and friends and those who have had any problems such as mine all said either they were notified about the activity and they all had the funds returned within a few days and without the extra that they should have used to protect my account instead of making me feel like I did something wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$78.00} XXXX XXXX XXXX Balance : {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by XXXX XXXX   OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Product: Credit card or prepaid card

Made a purchase on XX/XX/XXXX from XXXX for 2x agendas and a notebook. I did not open any of the items and proceeded to return one of the agendas and notebook to XXXX. XXXX denied the return since they stated they had been opened ( they were not, they were in the same condition as they were in when I received them ) and XXXX told me to dispute with my credit card. I opened a dispute with Apple Card on XX/XX/XXXX and provided the required documentation the same day. I did not receive an answer on this dispute until XX/XX/XXXX that the dispute had been resolved in XXXX ' favor because I received the merchandise ( not the reason I filed the claim, the claim was because I was not being allowed to return the merchandise per XXXX ' return policy ). I asked for the claim to be reopened, provided more detailed information about the situation and submitted this on XX/XX/XXXX. On XX/XX/XXXX I received a response that the claim had again been denied. It then took another 2 1/2 months for the temporary credit to be removed from the card so I could pay it off and free up that credit. Horrible experience. Poor communication. None of the reps know what they are doing. If it wasn't because it was XXXX branded I would have canceled this card long ago.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against TRANSUNION concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On, I initiated a dispute regarding incorrect information related to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite providing supporting documentation that substantiated my claim, TRANSUNION responded on XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they provide.

In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of TRANUNION may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report.

Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C.

552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes.

Despite my attempts to resolve this issue directly with TRANSUNION through CERTIFIED MAIL, my concerns remain unaddressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I have been disputing for a while now. 

This account is reporting inaccuracies on my reports with each credit bureau with different open dates, payment date and active dates. How are the bureaus able to verify inaccurate and inconsistent information? I am sure this is against the law per the FCRA. It is their job as the consumer reporting agencies to conduct proper investigations and report 100 % accurate information. I know for a fact that if they are verifying inconsistent information that this account surely can not be verified as accurate. 

I am requesting that this account is deleted from my reports and an updated copy of my reports is mailed to my address!
Product: Debt collection

My information was exposed in several days breaches and several accounts were opened with unauthorized, fraudulent use. 

CREDIT MANAGEMENT COMPANY {$1500.00} XXXX XXXX XXXX  {$1500.00} CREDIT COLLECTION SERVICES {$150.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Block is required to pay up to {$120.00} XXXX in refunds and other redress to consumers whose unauthorized transfers were not investigated, consumers who did not receive refunds they were entitled to, and consumers whose accounts were locked for an extended period of time or who were not provided provisional credits during a delayed investigation. Block must pay a minimum amount of {$75.00} million in refunds and other redress. The CFPB will enforce the orders redress requirements to ensure affected Cash App users receive redress. Consumers will not need to take action at this time to obtain redress.
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies and unauthorized entries on my credit report that have significantly impacted my financial opportunities. These inaccuracies include accounts with balances ranging from {$570.00} to {$52000.00}, opened between XX/XX/XXXX and XX/XX/XXXX, as well as hard inquiries made by XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX and XXXX XXXX ( XX/XX/XXXX ). 

Despite disputing these items with Experian, no satisfactory resolution was reached. According to the Consumer Financial Protection Bureau ( CFPB ), Experian fails consumers at every stage of the dispute process. This systemic failure invalidates all previous disputes and investigations related to my credit report, as they were handled through a flawed and unreliable process. 

Experian has violated the following provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct reasonable reinvestigations 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) : Failure to forward disputes within XXXX business days 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete inaccurate, incomplete, or unverifiable information 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) : Failure to notify consumers of reinvestigation results 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), ( C ) : Failure to prevent reinsertion of previously deleted information 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( 2 ) : Failure to reinvestigate disputes about hard inquiries 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Unreasonable over-reliance on furnishers ' Automated Credit Dispute Verification ( ACDV ) responses Experians failures have resulted in the following harm to me : Denied credit opportunities. 
Denied housing and employment opportunities. 
Emotional distress and humiliation. 
Reputational harm and stigma. 
Negative impacts on my familys quality of life. 
I request the immediate removal of the disputed items and inquiries, a reinvestigation in compliance with the FCRA, and monetary redress for the harm caused by Experians systemic violations.
Product: Debt collection

I HAD A COURT CASE IN XXXX XXXX IN XX/XX/2016 ME AND MY WIFE WERE THE DEFENDANTS, WE MADE ARRANGEMENTS TO MAKE MONTHLY PAYMENTS OF {$350.00} A MONTH, THE JUDGMENT WAS PAID USING MONTHLY PAYMENTS OF {$350.00}. THE BUSINESS WHICH TOOK US TO COURT HAS OBTAINED A JUDGMENT OF {$800.00} AGAINST US BUT WE WERE NEVER NOTIFIED, NEVER AS IN NEVER, NO LETTERS, NO PHONE CALLS NOT EVEN COURT SERVICE FOR COURT PAPERS WERE NEVER EVER DELIVERED OR SENT TO US, WE ARE GOING TO REQUEST A MOTION TO QUASH FROM THE COURT. THIS BUSINESS HAS NOT ATTEMPTED TO CONTACT US AT ALL TO COLLECT THE ALLEGED DEBT WHICH WAS PAID OFF AND WE BECAUSE WE HAVE BANK STATEMENTS PROVING PAYMENTS WITH CASHIER 'S CHECKS THROUGH XXXX XXXX  XXXX.
Product: Checking or savings account

I made XXXX claims to Chase and they never followed the procedures of regulation Z and E. 
I sent all the required documents to the bank supporting these claims, but they argued that the fax sent to them was not in good resolution ( they couldnt read it ) So last week, around XX/XX/XXXX I talked with supervisor and I was requested to sent all again trough secure message to reopen the cases. 
XXXX is for merchandize not received and XXXX  is same situation but the merchant sent me a refund receipt ( but they didnt fund my account ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

The XXXX XXXX # XXXX has never been past due. This needs to be corrected I spoke with XXXX XXXX and I am correct correct your reporting
Product: Money transfer, virtual currency, or money service

On the night of XX/XX/XXXX, I was out XXXX  in XXXX, XXXX. I ended up getting XXXX and my phone being stolen and accessed. I was XXXX for about XXXX hours and XXXX for a whole day. 

On XX/XX/XXXX, while I was XXXX the thieves managed to access my phone and " authorize '' a wire transfer of {$5000.00} from my Chase account that went through successfully. There was also other transactions via XXXX that totaled to another + {$5000.00} that was deemed suspicious by Chase and therefore blocked. ( I no longer have transaction history of these blocked transactions due to disconnecting the associated phone number for the XXXX account. ) Since then I have sent documentation ( police report ) on XX/XX/XXXX which they claimed they have not received. I resent the police report on XX/XX/XXXX and did not get any updates until I called today XX/XX/XXXX. 

When I called on XX/XX/XXXX, they informed me that my fraudulent claim was indeed an authorized transaction despite not being XXXX  during the the transaction and my phone being stolen. How come the wire transfer is authorized but the other amounts were suspicious and denied? 

Also I would like to highlight Chase ' Zero Liability Protection Zero Liability Protection Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that the Credit Reporting Agencies, EQUIFAX, XXXX, and XXXX continue to list DISMISSED bankruptcies as VERIFIED within my credit file. The Fair Credit Reporting Act 15 U.S. Code 1681c - clearly states " from the date of entry of the order for relief or the date of adjudication ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, XXXX, XXXX, and XXXX have no right to maintain information which the government has deemed nonexistent. Please remove the below items : XXXX XXXX XXXX Bankruptcy, DISMISSED, Date Filed/Reported : XX/XX/2016, Reference # XXXX XXXXXXXX XXXX XXXX Bankruptcy, DISMISSED, Date Filed/Reported : XX/XX/2016, Reference # XXXX