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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint against Midland Credit Management regarding a debt that I do not recognize or have any knowledge of. I have not received any correspondence from Midland Credit Management about this alleged debt, and the company has never provided me with any verification or proof of its validity. 

Recently, I discovered that Midland Credit Management has reported this debt to the credit bureaus, resulting in a derogatory mark on my credit report. This has significantly and unfairly impacted my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), Midland Credit Management is obligated to ensure that all reported information is accurate and verifiable. By failing to notify me of the alleged debt and by reporting unverified information to the credit bureaus, Midland Credit Management appears to have violated the FCRA.
Product: Debt collection

Around XXXX XX/XX/2021, I called XXXX XXXX XXXX  to change my phone number, because i got a new phone. A customer service person, instead of changing my number to my new number, this person gave me a different number in which I didn't want. I kept repeating myself to him that all I wanted to do was to change my contact number. We got disconnected, so I called them back and talked to another customer service agent, I explained to her what happened. So she helped me out and cancelled that number and put it my new number, so that way I can use my XXXX XXXX XXXX app to pay my cable bill. when I looked at my XXXX XXXX XXXX XXXX I discovered that someone had used my account to order a XXXX XXXX phone and that new number that the other agent gave me in which I didn't want was still there. I called XXXX & XXXX back and they once again removed that number and sent me to the fraud department. I canceled both cell phone and cable with XXXX XXXX XXXX, but I paid off my cable bill. I have never missed a payment and I refuse to pay for the wireless service for a number that I never had. Can you please help me in this situation. Its unfair for me when out of almost 20 years in the military and being in debt because of my XXXX, I had finally build my credit into the XXXX. Because of XXXX XXXX XXXX now my credit went down a lot. Please help me. Thank you. XXXX & XXXX Incident number XXXX
Product: Checking or savings account

My account balance on my capital one checking account is often poorly updated through the  XXXX  app.
Product: Credit reporting

Hi, I 've tried to see my credit score because I was denied of a credit card. There were certain questions I could n't answer, because I did n't have the correct answers to them. I 've put none of the above for all the loans they asked me about and I was informed that I was giving out the wrong information. I 've only took out a student loan. No car loans or mortgage loans. I think somebody has been using my information and now I ca n't even obtain my credit score. Can you please help me solve this so I can finally see my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has committed multiple FCRA and FDCPA violations by reporting multiple alleged, invalidated debts in their system for my consumer report dated as of XX/XX/XXXX. I have sent documentation showing proof of these inaccurate accounts that they have listed along with proof of TransUnions violations multiple times via regular mail and via electronically. TransUnion has responded by blatantly lying when they responded via a notice to me via mail stating that they could not locate my consumer file in their database. 

This is not true as I have spoken to them via phone on multiple dates including XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and on both calls, a TransUnion representative was able to locate my consumer file in their database. TransUnion also lied in their response to both of my previous CFPB complaints when they stated that their were filing disputes regarding the documentation that I submitted to them. They have completely ignored my requests to remove all of these inaccurate accounts and are ignoring my CFPB complaints for resolution as well. 

TransUnion was already in violation specifically of 15 USC 1681, 15 USC 1692, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information in their database with respect to them continuing to report the following accounts : XXXX XXXX XXXX XXXX Derogatory / Collection / Charge-off XXXX XXXX XXXX Derogatory / Collection / Charge-off XXXX XXXXier - Derogatory XXXX XXXX Derogatory / Collection /Charge-off Chapter XXXX & XXXX Bankruptcy Public Records
Product: Credit reporting, credit repair services, or other personal consumer reports

All of XX/XX/2019 XXXX/XXXX keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance. Now they are adding a balance past due monthly, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my XXXX report, Transunion report, and XXXX report. They only temporarily fixed it after I first complained but then continued these practices on my credit reports. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX balance and fix that false past due reports years later. I want all the past due removed from my XXXX and XXXX reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraduelnt account opened XX/XX/2011 XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I was contacted by XXXX customer service, well what I thought was XXXX Customer Service, which turned out to be a scammer. According to this person, there were unknown charges on my Capital One Credit Card account. When I called the credit card company, there was no record of any unknown charges. In addition, I have also filed a report with the FTC regarding this situation. 

The scammer told me that in order to stop my XXXX account from being compromised, that I had to go to stores and purchase gift cards from XXXX, XXXX, XXXX, and XXXX. Unknowingly, I followed suit and then after the fact, realized that I have fallen a victim of a scam. I immediately contacted Capital One and explained the situation and that I would like to have all charges disputed. Capital One followed suit and disputed all charges. 

Fast forward to XX/XX/XXXX, Capital One sends me a letter stating that XXXX has denied my dispute for {$450.00}. They have stated that there is nothing that can be done. 

I also worry that I will be responsible for the other charges that were made from the other merchants.
Product: Mortgage

On XX/XX/XXXX, I submitted a request for mortgage assistance to LoanCare. On XX/XX/XXXX, I was informed my application has been deemed complete and they will be assigning an underwriter. On XX/XX/XXXX, I was then informed they needed additional documents which were faxed. On XX/XX/XXXX, I received a Notice of Trustee Sale for an auction sale date of XX/XX/XXXX to much my surprise because I am aware of the XXXX and that appeared to be dual tracking. On XX/XX/XXXX, I was advised that all documents have been received and my application was again in review with underwriting. Called again on XX/XX/XXXX and was advised more documents were now needed, submitted the requested documents on XX/XX/XXXX. As of today, XX/XX/XXXX, I am now being told that my documents were received back on XX/XX/XXXX, however, because the sale date is scheduled for XX/XX/XXXX there is now suddenly not enough time to review my application. I have never been assigned a designated point of contact with LoanCare and they proceeded to file the Notice of Trustee Sale while reviewing me for loss mitigation. They have all the documents they need are are being completely unfair by telling me 3 days before my sale date now that suddenly there is nothing they can do!
Product: Credit reporting or other personal consumer reports

I just received a copy of my credit report and saw a fraudulent account being reported on my credit report that I do not recognize. I never authorized the listed account, and haven't had any knowledge of it until I received a copy of my credit report. Please remove this unknown, unauthorized listed account from my credit report as soon as possible. 
XXXX XXXX ( Acct Number : XXXX )
Product: Credit card or prepaid card

On XX/XX/2018, I applied on the Barclay website for an increased credit limit. I looked closely for any terms indicating a " hard pull ''. I submitted the request after no indication of a hard inquiry. Barclays said they did a hard inquiry.
Product: Debt collection

OneMain Financial contacts me repeatedly during the day and on weekends. They have contacted me daily at least twice a day everyday. This is clearly violating my rights. 

I have asked them to stop contacting me, I have even blocked their numbers and they called for other numbers. The have even started texting me. This is getting to the level of harassment. 

Numbers they have contacted me from XXXX and XXXX Sincerely, XXXX XXXX
Product: Mortgage

I am a first time home buyer and this process is new to me. I applied for a pre-approval in XX/XX/2021 and I was approved by XXXX XXXX from Fifth Third Bank. I finally found the perfect home and we put in an offer on XX/XX/2021 and offer was accepted. Contract was signed on XX/XX/2021 and closing date was scheduled for XX/XX/2021. The appraisal for the home was not done until XX/XX/2021. He found something wrong with my checks 2 days before closing and I had to scramble and had 48 hours before the closing date to get a letter for garnishment that shouldnt have happened on my check that the account was closed. The appraisal took 2 weeks and the sellers were wanting to work with me but because it was passed the closing date they would no longer pay the repairs that needed to be done for FHA approval, so we had to pay for the repairs. If the appraisal and my credit was done before XX/XX/2021 then there was no need for my credit check to be done again and repairs would have been paid by the sellers if it was done in a timely manner. My credit was reranned on XX/XX/2021 and new things showed up on my credit and my credit score dropped, so I no longer was getting approved by the bank to purchase my new home. We tried to get an extension since the repairs were already complete, all the inspections were done ( home {$420.00}, termite {$60.00}, radon {$120.00} ), and application fee ( {$390.00} ) for fifth third bank was processed and paid for. He was very unprofessional, was not responsive to me or to my lawyer or realtor and not processed like things should have happened. I would not have lost this house if it was not for him. The house was put up on market and they accepted another offer from another buyer. I lost alot of money. I did complain to his supervisor XXXX XXXX and she didn't do much either. She did admit on the phone that he failed to tell me the price range I should have been looking for in a house and for not doing things on time before my pre-approval letter expired. Im out on a house of my dreams and out on money. I do not want anyone to go thru what I went thru as a first time home buyer. I will never recommend Fifth Third Bank to anyone to purchase a home. Please let me know what we can do if I can get my money refunded for a poorly and unprofessional job on my application to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine and have never been mine. I do not recognize the items, I am victim of identity theft. I am very stressed out because I do not know what I can do in order to remove them from my credit profile. Its killing my financial side. Please remove them ASAP
Product: Credit reporting or other personal consumer reports

I have submitted all proof of payments to XXXX from XX/XX/2023 until XX/XX/2023. I have sent proof showing that all payments were all made on time and never 30 days behind. Please update the late payment from XX/XX/2023. Please send proof of the late payment as per my bank statements were paid on time. I have been fighting this a long time and the creditor continuously move the late payment from month to month. This is affecting my credit and I am trying to get if taken care of as I do pay my bills monthly and on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report today, XX/XX/XXXX and noticed inaccurate reporting by the XXXX XXXX XXXX for my student loans for the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I was ENROLLED in school, which meant i had an IN-SCHOOL DEFERMENT. There were no payments due at the time that was enrolled. I have never received any correspondence about a late payment.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Checking or savings account

I filed police report which I will include in complaint I contacted BofA file claims too be told it's my responsibility for fraud withdraws which they made my account overdrawn by XXXX for items that I never authorized any ach debits.
Product: Credit card or prepaid card

There are two transfers done XX/XX/XXXX both were XXXX. I have filed a dispute, it got dented, then I was told wait 90 days and it will automatically be placed back into your account. And the whole time I have not got any cooperation from the company call or email.
Product: Debt collection

We have a small family business in good standing for the last 20 years, contributing to the local community and local economy. Last year, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) made an audit to verify certificates of insurance purchased by subcontractors which were provided to them. XXXX XXXX would not communicate with us after we received a surprise premium charge % 100 of our annual premium, citing their " policy does not allow us to speak to clients directly ''. They would not provide any information to help resolve the issue. Instead, they sent the case to a collection agency who has been harassing us, threatening us and even stating they would make immediate attempts to seize our business, its property and owners bank accounts, then making frequent follow up phone calls and sending XXXX emails requesting financial documents. Some phone calls are made outside business hours and not from their own area code. Recently, collector has asked to provide them a copy of documents we previously provided to the insurance company for an unknown reason. XXXX XXXX with GB Collects at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX who can be reached at XXXX. Please put an end to harassing and abusing behavior.
Product: Debt collection

Found a collection on my credit report for {$670.00}. No notification sent to me. This is alleged to relate to a hospital stay at XXXX XXXX. I have XXXX as well as XXXX XXXX at the time XXXX covered my hospital stay and my insurance covered the rest of the bill. This bill should be XXXX. 

I disputed the item snd Medical Data Systems responded it is accurate and IT IS NOT snd should be removed
Product: Mortgage

I applied to my Mortgage XXXX, New Day USA, to refinance my Mortgage, pay off some debts, with a cash-out of approximately, {$24000.00} to add a basement toilet and repair some plumbing. This personalized financial plan proposed by New Day USA, would have reduced my monthly Mortgage by {$540.00} and yearly by, {$6400.00}. I agreed and signed all the disclosures to move forward. The last step was the XXXX of our home at XXXX XXXX XXXX XXXX XXXX XXXX Pa. 
The XXXX was, XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX Fed. I.D . # : XXXX I recognized XXXX as the same XXXX that appraised the home when we purchased the home. XXXX XXXX was rude, unprofessional with no politeness. 
He took photos. I asked him to photograph the large amount of property attached to our home. He replied sarcastically, " do you want to be in the photo also? '' He swiftly ignored the amazing work we had done, removing and refinishing the floors, which were stapled with carpet XXXX XXXX XXXX. Without addressing this description further, I am sending you a copy of XXXX XXXX 's, " so-called '' XXXX. The XXXX is Sloppy, XXXX & White Photo copies, fuzzy and unrecognizable as the home I live in. A professional XXXX company can not seem to afford to give XXXX, clear photographic description of my home, which is used to base an important decision on the financial future of a 100 % Service Connected Veteran and family. This XXXX is " ludicrous '' and insulting. After being denied a Cash Out by New Day USA, which they based the denial on the XXXX 's " old school '' XXXX appraisal antics, I asked my Mortgage company for a different XXXX. I was declined and told to wait another 6 months. While New Day Mortgage determined that I didn't have sufficient " Equity '' to approval the proposal which they had given me, New Day never considered that I am a 100 % Serviced Connected XXXX Veteran and I pay XXXX Taxes on my property. That fact should should bear more positively on such an important financial decision, than this disgusting, sloppy, XXXX and White non-professional, old school XXXX XXXX. I am prepared to send you XXXX photos of my home and property and you determine yourself how deceptive this so-called XXXX is and possibly fraudulent.
Product: Credit card or prepaid card

XXXXwo weeks ago I had to submit a complaint against US bank Reliacard for {$500.00} in charges that were made fraudulently on my card because it hasnt been resolved and this happened back in XXXX XXXX 2021. Well I finally got a call from them and yet another dispute filed and was instructed to call back if I havent received that dispute form to sign and return and I have not received it as of today, XX/XX/2021 so I called back and was told that my money that was deposited today from unemployment can not be transferred onto my new replacement card and they said that its in my agreement that I forfit my money when I get a new replacement card and will forfit all my benefits that get deposited weekly for as long as they get deposited and that I can not ever get any money from them ever for my unemployment benefits since I had to get my card replaced and filed a dispute against them and filed with your company in the first place. That is {$930.00} on that cards account number that filed the dispute on and get {$420.00} weekly for the next 23 weeks that they are claiming that I will never be able to access and they will never transfer onto my replacement card. PLEASE HELP ME AND DO SOMETHING WITH THIS DISGUSTING, FRAUDULENT, FELONIOUS " COMPANY '' BECAUSE THEY ARE THIEVES! NOTHING MORE AND NOTHING LESS-THEY ARE STEALING PEOPLES MONEY AND DEFRAUDING THE GOVERNEMENT AND TAKING THE ONLY INCOME ME AND MY 4 MONTH OLD HAVE OR WILL HAVE FOR 23 WEEKS AT {$420.00} PER WEEK AND THE MONEY THAT IN MY CARDS ACCOUNT AS OF RIGHT NOW WHICH IS {$930.00}. PLEASE PLEASE HELP ME BECAUSE I CAN NOT FEED MY BABY OR PAY MY RENT OR ANYTHING NOW BECAUSE OF THIS THIEVING COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX collection, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

There has been an initial & extended Fraud alert applied to my Credit report. This is the current status at XXXX, XXXX & Equifax credit bureaus.
Product: Debt collection

Account is still being credit reported after I received letters stating that they would be removed. Also received checks because if a lawsuit for this same thing and its happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided a denial letter to them and they still have failed to provide my business credit report. I have attached the email thread for your review in regards to this complaint
Product: Credit card

Since the beginning of XXXX I have been dealing with this company and trying to get my card replaced. Each time they request info for my address. I provide the info and they tell me is invalid. It has been XXXX weeks that I've been trying to get my stuff updated and my card replaced but they do not contact or communicate and when called, they give you the bs running around instead of helping you. At this point either they need to replace the card or pay me for the wasted time. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX info was sent out. Nothing was done, no correspondence sent to me to acknowledge receipt until weeks after sending the info in. Original card was lost and I called to have a replacement sent and I got the run around. This is absolutely egregious to deal with and the practice at this point is XXXX.