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

in accordance with the Fair Credit Reporting Act this creditor XXXX XXXXXXXX for account # XXXX has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

There are multiple inquiries on my credit profile that I did not authorize.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Portfolio Recovery A is harassing me, violating my consumer protection rights and claiming that i owe an alleged debt. They are ruing my character and reputation via mail, phone calls and emails displaying their letter head and company name while claiming i owe an alleged obligation, these are multiple violations of my consumer rights pursuing to FDCPA and the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These creditors have 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 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

My credit report was checked today, XX/XX/22, and it is showing an inaccurate history of 10 late payments on my report. There should not be any late payments shown on my account. Please assist in resolving this issue
Product: Debt collection

Midland Credit Management claims I owe them a debt they collected from a XXXX XXXX XXXX, which they purchased on XX/XX/XXXX. They had called me in the spring of XXXX and I verbally told them to cease and desist. The calls stopped and in late XXXX of XXXX, I had received a letter from them which was a " pre-legal noice. '' In that letter it stated I had until XX/XX/XXXX to contact them to make payment arrangements or face possible legal action. This prompted me to file a complaint against them with the CFPB in XXXX, as they were threatening to file negative legal action against me. I had mentioned that I am in a financial hardship in my original complaint against them with the CFPB and they had responded stating that they would table it for 90 days. 

I then was advised by several friends of mine who are attorneys to send them a certified letter of a cease and desist notice, so I did. I then received a letter stating the debt is mine, though I have never heard of XXXX XXXX. See attached file. I know they got my cease and desist letter as I received the green signature card that was attached to be back of the envelop the cease and desist notice was enclosed in. Again see attached files. Their communications again violated my cease and desist order. I had also warned them in my letter that if the proceed with any legal action, I would go to the Indiana Supreme Court Disciplinary Board and file a complaint against the attorney representing Midland Credit Management, should they make the mistake to take legal action. I had three attorneys suspended before and will gladly do it again. I want Midland Credit Management and their subsidiary, Midland Funding not to contact me anymore, I would like them to consider this debt as uncollectible and take it off my credit report. I would also like to see a Federal investigation on the operations of Midland Credit Management, as they use questionable collections tactics and they do not have a good reputation from what I have read. The recent communications I received from Midland Credit Management along with a copy of the certified letter I sent to Midland Credit Management as well as the signed green return card, showing proof that Midland Credit Management received my cease and desist order are in the attached PDF files.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( last four digits ) : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Date : [ Insert Date ] Subject : Dispute of Fraudulent Account with XXXX XXXX Bank Dear CFPB, I am writing to formally dispute an account that has been inaccurately reported as belonging to me with XXXXXXXX XXXX XXXX  The details of the account are as follows : Account Details : Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Current Balance : {$1400.00} Payment Status : Late 120 Days This account is fraudulent and is not mine. I have not authorized any transactions or applications with XXXX XXXX XXXX As of XX/XX/XXXX, I have contacted all three credit bureaus regarding this matter but have yet to receive any resolution. 

Relevant Laws Supporting My Request : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers have the right to dispute any information in their credit report that they believe is inaccurate or incomplete. The credit reporting agencies must investigate and respond within a reasonable time frame. 
Fair Debt Collection Practices Act ( FDCPA ) : This act protects consumers from deceptive practices by debt collectors and ensures that they do not report information related to debts that do not belong to the consumer.

Identity Theft and Assumption Deterrence Act ( ITADA ) : This law addresses identity theft and provides consumers with tools to combat fraudulent accounts and activities that may appear on their credit reports.

I am requesting the immediate removal of this fraudulent account from my credit reports and demand a thorough investigation into this matter. Please notify me of the actions being taken to resolve my dispute. 

Thank you for your prompt attention to this serious issue. 

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

I sent a letter to remove the inaccurate informations that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days after the. Ive already included this in my previous Complaint # & I am including it again.Here are the inaccurate items that needs to remove : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX Balance : {$8700.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, NJ XXXX.
Product: Credit card

I attempted on the XXXX of XXXX to do a balance transfer from my Bank of America credit card to my XXXX credit card to take advantage of a XXXX XXXX APR offer from XXXX. 
However, when i got the email of bank of america on the next following day I saw increase in my bank of america balance.I misunderstood the process and initiated the transfer through the Bank of America app, which was labeled as a " balance transfer. '' There was no clear explanation that it would send funds to XXXX instead of transferring debt from Bank of America. 

As a result, Bank of America increased my credit balance by {$3900.00} and transferred funds to XXXX, which was not my intention. I immediately contacted both banks. XXXX informed me they can only return the funds by mailing a check to me or depositing to my checking account. I chose the check, and I'm now waiting to receive it before I can attempt the balance transfer again this time correctly. 

In the meantime, Bank of America charged me a fee of {$150.00} for this transaction, even though it was based on a misunderstanding and resulted in a reversal process. I contacted Bank of America to ask for the fee to be waived due to the mistake and confusion, but they refused. 


Im requesting a refund of the {$150.00} balance transfer fee. The transaction was a mistake based on unclear labeling and process in the app, and I acted in good faith to correct it right away. It is unreasonable to be charged twice for a single transfer that didnt even serve its intended purpose.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally dispute the information being reported on my credit file by Kickoff Lending XXXX. According to my records, the account associated with # XXXX was paid in full and closed, yet it is still being reported as a charge-off for nonpayment on my credit report. 

This inaccurate reporting is negatively affecting my XXXX XXXX, and I kindly request that you investigate and correct this matter as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information reported to credit bureaus is accurate and complete. If, after your investigation, you find that the reported charge-off status is indeed incorrect, I respectfully request that you : XXXX. Update the account status to reflect that it was paid in full and closed. 

XXXX. Notify all credit reporting agencies to which you reported the inaccurate information so they can update their records accordingly. 

Please provide me with written confirmation once the investigation is complete, as well as details regarding the actions taken to rectify this matter. If additional information is required, please do not hesitate to contact me. 

I expect a response to this dispute within 30 days, as stipulated by the FCRA. Thank you for your prompt attention to this matter. I look forward to resolving this issue amicably.
Product: Credit reporting or other personal consumer reports

I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX FXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX 1.DELETE THIS ACCOUNT because of 15 USC 1681e ( b ), 15 USC 1681i ( 5 ) DELETE THIS ACCOUNT because the violation of 15 USC 1681e ( b ), 15 USC 1681 ( 5 )
Product: Credit reporting

I 've placed a fraud alert on my account, yet Experian continues releasing my report to companies that do n't meet the criteria for a report release such as fair use. These inquiries must immediately be deleted because they are damaging and illegal.
Product: Mortgage

XXXX XXXX XXXX Dispute XX/XX/XXXX Report - XXXX Ive paid my TD Bank mortgage ( including tax and home owners statement ) on-time and sometimes early for years. On at least four ( 4 ) occasions in the last year, a TD bank teller or someone in the TD bank central office incorrectly entered my mortgage payment in an incorrect account ( I also have a home equity and checking account at this branch ).

On each occasion, when I received my next statement showing the issue, I met with one of the bank managers at my branch office ( TD Bank, XXXX XXXX XXXX, XXXX, NJ, XXXX ) and he addressed the problem by calling the TD bank central office and correcting the error. I have notes and names of three of these people if this is needed to investigate this problem.

The most recent repeat of these errors was in XXXX, XXXX. On XX/XX/XXXX, I met with one TD bank manager, XXXX XXXX, who spent a half hour on the phone with TD bank central office, concluding that the problem was resolved. However, my next TD bank statement on XX/XX/XXXX did not show the resolution. I called the TD bank central office on XX/XX/XXXX and was eventually connected with a representative ( XXXX XXXX who spent the next hour on the phone with me without any resolution of my problem. XXXX did not appear to be very competent ( i.e., he could not find records of this or previous disputes on his computer and he indicated that some other department would need to become involved ). Apparently, there was never any follow up on my problem by the anyone else since I was never contacted by the TD bank central office after that frustrating, long phone call.

Lacking useful customer service by the TD bank central office, I met again with one of the local TD bank managers at my branch office on XX/XX/XXXX, this time with XXXX XXXX, who also spent a half hour on the phone with TD bank central office trying to correct the problem. He requested material from the home office to resolve the problem but added that the problem should be taken care of by the TD bank central office shortly. Yesterday ( XX/XX/XXXX ) I stopped at the bank and spoke with XXXX, adding that I received bank records from TD bank central office. He told me that they had not sent the information to him as requested and told me that he would follow up on why this oversight occurred by TD bank central office and why the problem was still not resolved.

Apparently, the TD bank central office has incorrectly reported my mortgage account as unpaid and, as a result, my credit score has dropped XXXX points from XXXX to XXXX. I place great pride in having a near perfect credit score and having it diminished by the sloppy, incorrect accounting of the main office of TD Bank is frustrating, annoying, and extraordinarily time-consuming. I want this dispute to be corrected and my TD bank account removed from my credit score evaluation. If TD bank central office cant keep my records straight, I dont want my credit score to reflect their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

A mortgage account that I had with US Bank was closed and paid in full back in XX/XX/XXXX. Due to divorce proceedings, there was a foreclosure at this time. US Bank continues to list this account as foreclosed in XX/XX/XXXX which is completely wrong and has been negatively affecting my FICO score drastically, thus, affecting my rates on insurance and other loans costing me money. I have contacted US Bank several times, yet they refused to correct the error.
Product: Debt collection

I received a letter dated XX/XX/2018 from the collection agency. On XX/XX/2018 at XXXX they were already calling me trying to collect the debt. Pursuant to the Fair Debt Collection Practices Act I have 30 days to dispute the validity of the debt. I have just sent them a certified mail disputing the claim, but they have not received it yet. They have no right calling me before the 30 days is up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

An American Express card holder, XXXX XXXX, recently filed XXXX credit card charge back disputes of his {$5000.00} retainer fee payment for our legal goods/services for his girlfriend XXXX XXXX XXXX claiming that " item was not received. '' However, we provided proof to XXXX ( our merchant service ) that the item was in fact delivered to the client ( attached ). Please immediately reverse this dispute and stolen {$5000.00} from our account.
Product: Mortgage

RE PHH Mortgage # XXXX On XX/XX/XXXX, I was notified by XXXX XXXX  that XXXX was switching servicing of my mortgage to PHH Mortgage as of XX/XX/XXXX. I sent check # XXXX for XXXX on XX/XX/XXXX to XXXX so that they would have it post to XXXX by XX/XX/XXXX. I checked XXXX, XXXX website on XX/XX/XXXX and saw it did not post. I called PHH and got the run around. The next day it was the same and I called XXXX for assistance as they actually own the paper. They could not get a live person to talk to. I continued to try over the next few days and finally found it was not booked on their system. I called PHH again a few days later but it still was not posted, They booked the account on XXXX but payments were not posted. I called XX/XX/XXXX and found payment posted to my account on XX/XX/XXXX. PHH received my check in their lockbox on XX/XX/XXXX and I believe they held it till XX/XX/XXXX so they could tack a late charge on my account. I called and was told it posted XX/XX/XXXX but there was a late charge. I asked why and they said I had a 10 day grace and that they received the payment after the grace period. I told them I had a 15 day grace not a 10 day, and they argued with me on that. I offered to email them a copy of my loan showing it was indeed a 15 day grace and that they had the payment since XX/XX/XXXX and I wanted it posted as of the second and they refused to do so saying they could not rebook the loan on their system and apply the payment as of the XXXX of XXXX. They would however remove the late charge they gave me. This issue is still unresolved by them. I am seeking help in getting my account properly boarded and interest adjusted as I am paying them more interest in the way they are calculating my interest. ALSO, they are forcing me to either pay more to make a payment each month or give them my banking info so they can debit my account. Since my husband and I are both XXXX and our pay is not date specific, I must pay as I get the money and pay a fee for them to collect my funds unless I let them yank my funds out. I have NEVER missed a payment or given any of my servicers a reason to question my ability to pay my bills so I fail to understand why I have to pay extra to make a payment each month when the funds come out of the very same account. I know that if they are doing this to us, they are doing it to many military families and this is very unfair and smacks of XXXX XXXX  tactics - thinking we won't notice them picking our pockets ... Any assistance is greatly appreciated. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, OR XXXX ( XXXX ) XXXX
Product: Checking or savings account

We opened a High Yield Online Savings Account with Marcus by Goldman Sachs. This account was opened in XX/XX/XXXX under our names ; husband and wife. 
We have been unable to access any of these funds because the company stated that they are unable to identify our information ( correct identification was given when the account was opened ). After numerous phone calls over the last month we have been unable to get the Affidavit of Identity that was promised to be mailed to us several times but did not arrive. In a phone call to Goldman Sachs on XX/XX/XXXX the representative admitted " the form did not get fully processed '' Today. XX/XX/XXXX, we finally received the form. 
We have been adversely effected by their irresponsible attitude toward us and the money we trusted with them and planned on using to help us pay bills. We requested that this account be closed as soon as possible and the money returned to us as quickly as possible ( preferably transferred back to XXXX XXXX XXXX XXXX where it came from ).
Product: Student loan

On XX/XX/2024 I requested a school misconduct discharge application. I was told that it would be sent to me via mail and/or email. I received a copy of the paperwork on XX/XX/2024. I filled out the application, taking considerable amount of time to be thorough and include all necessary information that was needed to support my case. I submitted my application on XX/XX/2024. I received an email stating that my application was denied on XX/XX/XXXX. The reason given was, " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school '' .I reached out via chat to inquire about this as I believe I have met the requirements without a doubt. I will attach screenshots of the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$35000.00}
Product: Credit reporting or other personal consumer reports

Information listed on credit report is inaccurate.
Product: Debt collection

Due to the pandemic my XXXX XXXX  membership was no longer open for business. I physically went into XXXX XXXX  and canceled my account and also insisted that they notated my account as closed. I have not used the facilities and moved out of state. I have received a collection notice from a law office requesting {$360.00} and collection for a XXXX XXXX. Acct : XXXX. Upon closing my account, there was no past due nor upcoming bills to be in-cured. Please stop this fraudulent attempt to collect debt. I am a XXXX veteran and I feel taken advantage of at this point. Please help me
Product: Payday loan

I had applied for a loan from Big Picture Loans in the amount of {$600.00}. I was told there would be a finance charge of {$150.00}, which was n't an issue since I was expecting some sort of interest charge to be accrued for borrowing money. I agreed to the finance charge and the loan was processed. After processing the loan, I was provided with the Loan Agreement, where I noticed in the Truth-In-Lending Disclosures there would be additional finances charges for the remainder of the loan in the amount of {$2600.00} ( which was broken down over XXXX payments ), totaling the loan to be {$3200.00} -- this is not what I was expecting when asking to borrow such a small dollar amount and if I were made aware of these fees before the loan was processed, I would have never processed the loan. But unfortunately for me, the loan was processed first, and then the loan documents were available for me to view AFTER everything had been finalized. This is beyond ILLEGAL, and I will proceed with further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and noticed that there is a fraudulent account on my report. Please remove this account from my report. It is hurting my ability to obtain credit.