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

I contacted this corporation and the report they are sharing and how I didn't agree with the actions that was on my report and and what my demand where and how their unfair credit practices has impacted my family and I life. They has not done a investigation to show proof the alleged debt late address and the thing that were not correct at all and have not received any kind of remedy.
Product: Debt collection

Midland Funding LLC obtained a default judgment against me under false pretense. I tried to get it removed but a Judge, not understanding the law, ruled against me. I was absolutely never served, this is not my debt nor has it ever been proven that it is my debt. 
Midland Funding LLC has committed Identity theft in my name. And tax fraud. 
" Attached Documents " Note : I cant find an attorney to take this case.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I looked at my report and noticed information was reporting that shouldn't be on my report. 

According to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ( ii ) promptly notify the furnisher of that information that the information has been deleted form the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure the b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681 s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relying 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 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 address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have edivence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LATE CLOSE and CHARGE OFF ACCOUNT : XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : 1,500.00
Product: Credit reporting or other personal consumer reports

Accounts : XXXX # XXXX ( XXXX XXXX ) XXXX XXXX XXXX  # XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX # XXXX ( XX/XX/XXXX ) XXXX XXXX # XXXX XXXX # XXXX I ASK FOR THESE ACCOUNTS TO BE VERFIED BY LETTER OF MAIL 4 MONTHS AGO AND HAVE NOT RECEIVE ANY RESPONSE SHOWING STEP BY STEP PROCESS VERIFYNG THESE ACCOUNTS. AS SHOWN IN THE FCRA SEC 609 AND 611, ALSO PUBLISHING ON MY CONSUMER REPORT WITHOUT MY PERMISSION.

IF THESE ITEMS ARE NOT RMOVED I WILL BE FORCED TO FILE A SMALL CLAIMS WITH THE ATTORNEY GENERAL AND SMALL CLAIMS COURT TO SUE FOR 1000 A DAY PER VIOLATION
Product: Debt collection

XX/XX/19 received a bill for {$880.00} from IC System for a XXXX account delinquent bill that was in my name. I contacted XXXX, filled out a fraudulent packet, mailed it on XX/XX/19, with a tracking #, which they received on XX/XX/19. Never heard from them. Called XXXX on XX/XX/19 to confirm my packet was received and complete. The lady confirmed it was and that it would be 30 days before I would hear from them. Never heard from anyone. XX/XX/19 received a letter stating the fraud packet was incomplete. XX/XX/19 called XXXX to find out why the packet was incomplete. He didnt not know but assured me I would hear from them within two days. Never heard from him. XX/XX/19 received another bill from iC Systems for {$880.00}. XX/XX/19 called XXXX. He said The packet has not been located. In this packet I was informed I had to send my social security number along with other proof Id identification. He told me to fill out another fraud packet. This is unacceptable, and I want this resolved.
Product: Credit reporting or other personal consumer reports

I have tried twice to submit disputes through mail with Experian. I have submitted a picture of my drivers license along with a piece of mail with my current address. Both times they have sent me an email stating We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. When I called Experian and confirmed it was me who sent the requests, they told me that I need to dispute it over the phone. I do NOT want to dispute it over the phone and feel like I have a right to dispute it through mail and they will not honor it.
Product: Student loan

I applied for the XXXX XXXX XXXX XXXX program through my servicer, Mohela, on XXXX/XXXX/2022. The application included three employer certifications with over 12 years of qualified service. My loans were originally held by XXXX XXXX then XXXX and finally consolidated with Mohela. Mohela on XX/XX/2022 sent a letter denying my application stating only 4 payments were eligible and 0 were qualifying. Mohela appears to have ONLY considered the payment due dates since the they took over loan servicing. They are NOT including all the previous payments with the other two loan servicing organizations. This action is in clear violation of the current PSLF waiver.
Product: Mortgage

We currently have excessive fraud to include mortgage fraud. We are requesting all documentation pertaining to property located at XXXX XXXX XXXX XXXX Ga XXXXThis house was stolen and sold in XXXX, My spouse filed Bankruptcy and the home was abandoned by the Trustee. The home was not abandoned by us. There were utilities on and the yard was being maintained. In addition, to our updated contact numbers and address. We were not notified of any court dates. My spouses bankruptcy case is still open.We have no documents regarding this loan with WELLS FARGO FINANCIAL GEORGIA XXXX INC, INC We did not take out additional loans on the home. The home was purchased in XXXX. It was sold by XXXX XXXX XXXX located in XXXX Ga. We will told the home was foreclosed on however, this was not the case .XXXX XXXX XXXX US FED BRC XXXX  XXXX OF GA XXXXWELLS FARGO FINANCIAL GEORGIA INC ACCT NUMBER XXXX XXXX XXXX FOR YEAR XXXX. PLEASE NOTE PROPERTY LOCATED AT XXXX XXXX XXXX XXXX, XXXX GA XXXX WAS ALSO STOLEN.
Product: Payday loan, title loan, or personal loan

On  XX/XX/XXXX  I had obtained a business loan from First National Bank of Pennsylvania.  XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  for  XXXX . I had fallen behind in  XXXX  of  XXXX , In  XXXX  I had caught  all 3 payments up to date, unknowingly that First national Bank filed a confession of Judgment, They had promised to remove the judgment and we paid half of the la te fees and attorneys fees. with no notice The loan was sold to a    XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  Texas  XXXX . I did not find this sale out until  XXXX   XXXX   XXXX , Balance of {$86000.00} when i had received a certified letter at that time we had constantly made arrangements to the payoff of our loan and another loan we were making payments on from a  XXXX   XXXX   XXXX  from another party that they were refusing to give a payoff on, after inflating our loans fees beyond our agreed contract amounts. We were forced for pay {$100000.00} on  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX , A   XXXX   XXXX    serviced the loan Providing false payoffs & he did not relea se  XXXX  filing until   XXXX   XXXX   and have not returned ou  r  XXXX  truck title s that were collateral for the paid off loan that they knew our bank needed for our closing they purposely stretched this loan out past our commitment letter date with our bank and their Attorney  XXXX   XXXX   Made false ma de damaging accusations to our new financial institution to extort us for additional funds.  XXXX  replied to our attorneys request for titles and stated first national bank had lost them and all  XXXX   XXXX   XXXX   XXXX , was copies and if we wanted the titled we would have to pay for them too them to get them and any fees associated. An absolute breach of contract documents we signed and were extorted over above. the loan was paid off 4 month early.     With respect to the titles,  XXXX  never had original vehicle titles, FNB misplaced them and all  XXXX  has is copies of the titles. There are costs associated with title replacements and as far as  XXXX  is concerned, tha t is   XXXX   XXXX   expens e if they want the paper titles.      XXXX   XXXX   XXXX ,  XXXX .      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Phone :  XXXX  | Fax :  XXXX   vCard | Bio |  Website
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. CHILD SUPPORT ENFORCEM / # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I XXXX XXXX XXXX XXXX XXXX XXXX  understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I learned of unauthorized withdrawals from my acount when my power of attorney an alert that a large amount of money had been withdrawn from my account. We went to a local Chase Bank branch to dispute the withdrawals, which took place over XXXX days in late XX/XX/XXXX and early XX/XX/XXXX and totaled approximately {$19000.00}. The branch employees insisted I had withdrawn the money myself and refused to check the XXXX or to take a complaint. 

I believed the withdrawals were done using an ATM card because they were marked " E-withdrawals '' on the alert. I later found out they were made at the teller window using my ATM card, however I had no working ATM card at that time. I had notified the bank and asked for a replacement which never came. When I did not get it in XXXX days, I informed Chase. I asked them to cancel the card and told them I did not want a new ATM card. But they did not honor that request because I received a new ATM card when the old one would have expired. I believe the replacement card was stolen from the mail and used by an identity thief to make the withdrawals. The withdrawals were not made at the branch I usually use for withdrawals and were made at a time I would have been at work and could not physically have been at the branch where the withdrawals were made. 

On XX/XX/XXXX, I went to a different branch and they gave me a form to dispute the withdrawals. I gave it to a branch employee who said they would email it to the appropriate department. I checked back several times and was told the complaint was being processed and I would get a decision by mail. 

I never heard anything back from Chase until I consulted with an attorney in XXXX who wrote to the bank on my behalf. Chase responded that I had not reported the id theft within thirty days and they had denied my dispute in XX/XX/XXXX, but I never received the decision. When the bank finally provided me with a copy, I saw it was sent to the wrong address. I had notified them to send it to my XXXX XXXX XXXX XXXX address in XX/XX/XXXX, but they used my old address. 

Chase claimed I made the complaint in XX/XX/XXXX and denied it because it was not made within the thirty days, but I reported the dispute in XX/XX/XXXX, which was within thirty days of when the id theft occurred. The attorney spoke and wrote to them repeatedly and they kept denying my claim. Most recently they told her it was rejected because it was submitted on the wrong form, but it was the form that the branch gave me. I am a XXXX senior citizen retiree and the identity thief stole my life 's savings. My landlord took me to court to evict me because I was unable to pay my rent, and I only avoided eviction because I was able to get a rent arrears grant from my state. The bank has caused me great financial hardship, not to mention treating me like I was a criminal.
Product: Checking or savings account

I am trying to link my PNC account with XXXX. PNC has security in place preventing this and stating that the issue is on XXXX end. The service XXXX provides is a round up service so any time I use my debit card it will round up the charge to the nearest dollar and send the change into my acorns account for savings. This is my money reguardless of the mini transactions occuring there ; I should be allowed to make these charges with my own money.
Product: Debt collection

collection bureau Hudson valley You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a ) see exhibit ( A ), you are in violation of the FDCPA, pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to XXXX
Product: Money transfer, virtual currency, or money service

Certegy Check Services did not OK an attempted check payment for {$210.00} at XXXX on XX/XX/2020, in XXXX Texas. When contacting this service I was informed that verification data required was not given. This happened because the store clerk at XXXX was unsure what bar code to scan from my drivers licence and I guess he scan the wrong area. Fine, after looking at my drivers licence, I would have been confused also. However, a few days later I was notified that my credit score was lowered 17 points. For sure, there was no other reason for my credit score to drop. I maintain a very high checking account balance and all my bills are paid before due dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CREATED AN FTC REPORT IN XXXX OF 2020, BECAUSE A FRADUULENT ACCOUNT WAS PLACED ON MY CREDIT FROM I.C. SYSTEMS WHICH IS ORIGINALLY FURNISHED BY XXXX XXXX. THEY ARE CLAIMING THIS ACCOUNT WAS MINE, SO I REMOVED THE ACCOUNT OFF OF MY REPORT USING THE FTC LAW 605B. THEN THEY RE-INSERTED THE ACCOUNT ILLEGALLY BACK ON MY CREDIT XX/XX/XXXX. WHAT THEY ARE DOING IS ILLEGAL AND IF NOT RESOLVED I WILL BE PRESSING CHARGES.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX BANK ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2900.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3100.00} ), XXXX XXXX XXXX  XXXX ( Date Opened XX/XX/XXXX, Balance : {$5700.00} ), XXXX - XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00}, original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$310.00}, original creditor XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, original creditor XXXX XXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX  XXXX Balance : {$930.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$65.00} ; XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX A ) XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried countless of times to contact them and let XXXX XXXX and XXXX know its not me they dont respond to me but lie and say they do and send papers in the mail which they dont I have shown them the ftc report and told them to stop reporting this false account to my name Im mentally stress from this situation I have called them emailed and mailed information regarding this matter they are a XXXX XXXX  company that believes in cheating American citizens once again I have shown them the ftc report
Product: Credit card or prepaid card

Logged into my XXXX account to pay my bill like normal. Noticed there was no link to my credit card account as there usually is. Poked around the site and Followed Pay My Bill link, couldnt get through. Decided to call comenity, automated system lead me to a message that said to try again later and hung up. Called XXXX customer service and all they could say was they were aware of the issues but it was up to Comenity and to keep trying XXXX XXXX ( Ive had multiple failed attempts on that platform ) or you pay in store. Any attempt to reach Comenity just ends in the same automated messages on social media and telephone. It seems like this has been an ongoing issue, with no real communication to their consumers.
Product: Debt collection

I received a call from Wells Fargo Mortgage on XX/XX/XXXX at XXXX XXXX. I advised it was past time and hung up. I ended up calling them back 10 minutes later and the representative I spoke to said it was just a courtesy call when I advised her how late it was. I explained the FDCPA and calling after XXXX is not ok. I spoke to a supervisor and all my information was passed along to a complaint dept. I was called back on on XX/XX/XXXX at XXXX XXXX. The woman stated she would look into the issue and call me back within 5 days. I have never received any call back regarding the issue as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed accounts on my credit report that I did not authorize : EQUIFAX : XXXX XXXX # XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Three credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below ; XXXX XXXX Balance {$370000.00} ; XXXX XXXX XXXX Balance {$370000.00} ; XXXX XXXX Balance {$370000.00}.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and Im at a complete loss as to why. Ive checked my credit report countless times before, but today, these discrepancies just appeared. I even refreshed my browser thinking it might be a technical issue, but the problem didnt go away. I am incredibly frustrated, and I urgently request that the documents Ive sent be thoroughly reviewed to prevent this from happening in the future.
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT. I HAVE NOTICED SOME UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORT I HAVE NEVER BENEFITED FROM. I HAVE SENT SEVERAL DISPUTES TO EACH CREDIT BUREAU, AND WILL BE REQUESTING A FRAUD PACKET FROM XXXX SPECIFICALLY. I NEED THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORTS IMMEDIATELTY, FOR I AM A CURRENT STUDENT WHO IS FINANCIALLY BEING IMPACTED. I WAS ALSO PART OF THE XXXX  EQUIFAX DATA BREACH, AND HAD SOMEONE USE MY INFORMATION UNKNOWINGLY TO OPEN THE XXXX CARD. PLEASE REMOVE THESE ITEMS IMMEDIATELY