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

Midland Funding LLC, violated my rights as a consumer according to the FDCPA. They violated my rights due to the laws listed below : 15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C 1681 Section 6042 : It also states a consumer reporting agency can not furnish an account without my written instructions. I disputed this account with the credit bureaus and they stated that they verified that my information is correct. After doing further research on my credit report I see an inaccuracy that should have been correct if the account was verified correctly. Midland Funding LLC, reported to XXXX that the date opened was XX/XX/XXXX. XXXX and XXXX date opened was reported on XX/XX/XXXX. Midland Funding LLC, reported to XXXX that this account is 120 days late and last active on XX/XX/XXXX. It was also reported to XXXX the last active date was XX/XX/XXXX. It was reported to XXXX the date last active was XX/XX/XXXX. From my understanding of the law EVERYTHING has to be correct and the same across the board ALL credit bureaus and if my account was verified correctly as they stated then this information should be accurate. So i request that my account be deleted from XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Information under 15 usc 1681 in regards to the following 5 Accounts. 
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

On XX/XX/2020 I sent all XXXX credit bureaus ( Equifax, XXXX, and XXXX ) removal letters via certified mail asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' All letters were also sent with a green return receipt and only one of the companies has signed saying they received it. Under federal law, these corporations have violated me as a consumer. XXXX, Equifax, and XXXX XXXX agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but to the corporations. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.
Product: Credit reporting or other personal consumer reports

This complaint is being filed against XXXX, TransUnion, and XXXX for their failure to verify and correct inaccurate information related to a late payment reported on my XXXX account ( account number : XXXX ) **. This inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, and I request immediate removal of this information from my credit report. 

Violations of Rights : 1. Inability to Verify Information : The credit reporting agencies have failed to verify the accuracy of the late payment reported for XX/XX/2024. Under 15 U.S.C. 1681i, credit bureaus are required to conduct a proper investigation and either verify the accuracy of the information or remove it from the credit report. In this case, despite my requests, they have not provided any proof that the information is correct, violating my rights under the FCRA. 
2. Inconsistent Reporting : Furthermore, I have noticed inconsistencies in how the late payment is being reported : XXXX : Reporting a 30-day late payment for XX/XX/2024. 
TransUnion : Reporting a 30-day late payment for XX/XX/2024. 
XXXX : Reporting a 60-day late payment for XX/XX/2024. 
These inconsistencies highlight the lack of accuracy in the reporting of my credit information. Under 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the maximum possible accuracy in credit reports, and the continued reporting of conflicting information clearly violates this requirement.

Action Requested : I am formally requesting the following actions : 1. Immediate removal of the inaccurate late payment from my credit report with all three credit reporting agencies ( XXXX, TransUnion, and XXXX ). 
2. Verification and documentation of how each agency attempted to verify the late payment information. I request proof of any investigation conducted and communications with XXXX. 
XXXX. Correction of any negative impact this false information has had on my credit score and profile.

Supporting Documentation : I have attached the following documents in support of my complaint : Credit reports from all three agencies ( XXXX, TransUnion, and XXXX ) showing the inconsistent late payment reporting. 
Proof of payment for the disputed late payment, made on XX/XX/2024, which proves that the payment was made on time. 
Previous dispute letters and any responses received ( or lack thereof ) from the credit reporting agencies and XXXX. 

Conclusion : The failure of these credit bureaus to verify the accuracy of the information or to remove the false late payment from my report is a clear violation of my rights under the FCRA. I expect immediate action to be taken to correct these errors, including the removal of the false late payment and the restoration of my credit to its proper status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sallie Mae student loans are still shown on my credit report frm XXXX XXXX & This school is closed and no longer opened plus the loan comany has switched frm mutiple companies. Starting from XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I have been contacted by NCB management services, I do not know who they are and I have NEVER signed a contract with this company, I contacted them and they said even if it was satisfied it would not be removed from my report. I have revived multiple calls, emails & threatening letters, this account was also previously REMOVED from an earlier dispute then put back on. This is bullying and harassment
Product: Mortgage

Popular Mortgage of XXXX XXXX has announced all over XXXX that they are offering relief for the hurricane by allowing customers to miss the next 3 months of mortgages, and loan Payments. This was automatic unless you were behind. Even when my mortgage has never been behind, I called to make sure my credit would not be affected. Although it wont, they are not telling people that they have to make up all of the payments in XXXX. This can potentially put many people in the streets. I for instance wold have had to make a prohibitive {$4000.00} payment in XXXX. This is a very irresponsible and fake announcement. They are lying to consumers, people who are already going through an extremely hard situation because of these XXXX category XXXX hurricanes. They are taking advantage of people under such dire situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Department Ed XXXX Accounts ( 4 in total ) Late payment in all accounts - XXXX XXXX Balance XXXX Act # XXXX Balance XXXX Act # XXXX Balance XXXX Act # XXXX Balance XXXX Act # 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

i previously disputed XXXX XXXX on XX/XX/22 asking for full validation on this account letter was sent out certified and returned labeled. I have been fraudulently contacted by collection companies in the past for unsubstantiated debts. For this reason its that i was asking for full validation as i do not recall having account open. I never got a reply form bureaus nor original company but i did get my returned labeled signed by bureaus. So, I know they got my letter. But, still dont understand why they have ignored me! I ended up writing a second letter on XX/XX/22 as a 30 day no response still up to this date i have not received any documentation. I have not been notified account investigation has began and dates on credit report have updated this is not acceptable. Account is stating dispute was under investigation now resolved by XXXX XXXX XXXX  I strongly disagree as i have not been notified nor have i received any documentation verifying debt is mine.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Ca

sh App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 dispute resolution process was unfair and deceptive ; as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

American Express has charged me {$440.00} in fees and interest past my {$1000.00} credit limit. This should be illegal as it is almost XXXX XXXX of my credit limit.
Product: Debt collection

Paid on XXXX XXXX 18 was promised a release letter via email with in 24 hrs have made several call sense then and they refuse to send my letter
Product: Mortgage

The escrow amount on my mortgage changed and I didn't know it had changed. I have automatic payments setup in my XXXX  XXXX XXXX account and have NEVER been late on a mortgage payment. My normal payment of {$1200.00} was received by 53rd bank on time as it always is but because the mortgage amount had changed and I didn't know, they did not post my payment to my mortgage. The difference if {$32.00} was only a change in the escrow amount yet they didn't apply my payment and hit my credit report with a late payment, which I was not late. 

I have been in the process of refinancing my mortgage, but I can not do that now due to the late mortgage payment report and the subsequent 200 point drop in my credit rating, which has been Excellent. 

I am very upset about this and it is costing me the opportunity to refinance my mortgage and save {$300.00} per month with the lower rates. 53rd Bank 's negligent handling of this is impacting me financially. I also would like to purchase a used car but will not be able to now due to the credit damage they have caused. 

I would like the late payment entry removed entirely from my credit report and my credit rating restored to Excellent immediately. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX am submitting this on my own behalf. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C 1681section 602 A. States that I have a right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency CAN NOT furnish a account without my expressed WRITTEN consent. FEDERAL LAW SUPERCEDES ANY COMPANY POLICY. 
-Us Department of Edu account number XXXX  last updated XX/XX/2022 -US Department of Edu account number XXXX  -XXXX XXXX account number XXXX XXXX XXXX  account number XXXX last updated XX/XX/2022 -Us Department of Edu account number XXXX last updated XX/XX/2022 -Us Dept. of Educatio account number XXXX
Product: Credit reporting or other personal consumer reports

My identity was compromised and the accounts are not mine. I have paid the balances, and settled in some cases to try and fix this. I need the accounts to be removed ; deleted because they are not mine and they are reporting to my acct. 
I will settle ; and pay the balances for the deletion and removal of the accounts. I suspected identity theft XXXX when my wallet and cards were either lost or stolen during a rough period of homeless that I was experiencing ; my accounts and info were compromised and possibly stolen & there are errors on my report. Reflecting accounts that are not mine or that were taken over ; please assist me in having these accounts removed and the errors deleted so that I could have an accurate report that reflects accuracy/ correctness in reporting as provided by the law. Please advise. XXXX I have been settling the accounts and paying the balances the information is incorrect and the reporting has errors. The accounts are all closed for the most part but are still reporting to my credit report affecting my credit score and providing me a credit report with errors of accounts and balances. I accepted that Id have to pay the balances ; and settle to get these errors fixed, and removed but. Error is still flooding my credit reports and the companies are unwilling to delete the info and remove the reporting error ( XXXX ). Action is needed from the creditors to fix/ remove all errors as reported and accurately make report of all accounts. Please assist me by removing the information and deleting the errors from my credit report. As Ive been paying balances from a suspected identity theft and fraud. Maybe the companies will delete the errored accounts and info and we will be able to move forward with acct reporting ; and accurate reporting of credit score. I AM disputing my credit report in/Full and stating that in its entirety has errors that need deletion and removal Ive been paying balances to these closed accts for about XXXX years now and I AM seeking relief from this theft. Accuracy of reporting the accounts is being requested by myself, and deletion of errors/ removal of accounts that arent mine ; either that or have been settled will need to be deleted and removed from my credit report. Score wise XXXX seems to have the most errors and is reporting accounts that arent my own. I think that all of the creditors and companies need to fix errors, and remove ( the account information ) from my reports due to a suspected identity theft ; & fraud.
Product: Checking or savings account

I am filing a complaint about AXOS Bank. I had made 2 check deposits via a mobile device. I had to photograph 2 checks. I had received emails that confirmed my deposits went through and everything was OK. 3 days later, 1 of the deposits in the amount of {$88.00} did not go through because of the photograph, and there was a negative in my account because of this. AXOS Bank sent me an email through my account telling me to mail the check to them. I mailed the check to them on XXXX. It was almost 2 weeks, and I still never heard the status. I called the bank numerous times for updates, and I was told they never received the check back. Somebody dropped the ball because they did receive the check. 
On Monday XXXX, AXOS Bank sent me back the check in the amount of {$88.00}, and a letter telling me the check was negotiated and I will receive the funds in my account in a couple of days. Then I receive a message in my account telling me to mail the check back to AXOS Bank again so they can make the deposit. This is unacceptable. I am out of work, and I need this money ASAP. This is poor money management from a bank and poor customer service. I called the company that sent me this check, to reissue it to me again. I am finding a better bank. I also have a dispute for a charge that I never got the service for. 
I demanded numerous times to speak to a manager or CEO. Every time I called ; I was told nobody is available. Unacceptable!! This bank needs to be investigated.
Product: Vehicle loan or lease

In the retail installment AGREEMENT it states that, I give ALLY FINANCIAL security interest, in return that covers all that I owe on the contract l. They continue to Enrich their self Unjustly and demand payment when it's already satisfied by the SECURITY INTEREST GIVEN TO ALLY. I sent them their documents detailing the fact, then they restricted my account. They aren't responding to any of my requests in sent correspondence to the legal department to XXXX XXXX no response. I would appreciate help with this situation, thank you
Product: Credit card

I am a customer of Capital One bank with a credit card account, my credit card expired and I never got a replacement card. In XX/XX/2016 someone or persons purchased items using my credit card. I worked through the issue with Capital One. The aggravation and lost time prompted me to ask for my account to be closed. 
They zeroed the account and then reissued a credit card to a person who called in with a change of address. That person charged more items and no matter what I do they do n't hear me. Every contact I have had with Capital One I have emphatically stated " Close MY Account. '' I asked for the proof that it was me who purchased the items. They have none. They will not set up an investigation. " Is there is nothing I can. '' Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been paying my child support obligation via pay roll deduction since XX/XX/XXXX as per court order. On XX/XX/XXXX the child turned XXXX years of age and was emancipated by the courts and the child support payments was terminated. i obtained 3 letters as evidence one from the courts. one from social services and one from the child support stating that the account is closed with a XXXX balance obligation. This account is being reported as COLLECTION in XX/XX/XXXX. i sent the credit bureau the 3 letters as proof that my child support was not a debt it was an obligation that was fulfilled with a XXXX balance when the child turn XXXX   years. please help
Product: Credit card or prepaid card

Despite the fact that I'm opted out of credit card solicitations and mailing I'm still getting credit card application solicitations by mail from Capital One. I've contacted Capital One and was told they would cease mailing me but that has never happened. My mailbox continues to get credit card application solicitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$310.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX. 
Enclosures : XXXX, ID, Identity Theft report
Product: Debt collection

Someone had took out a payday loan with my name and social security number and I was not aware. Months later I kept receiving phone calls daily. About 10 phone calls throughout the day and at night trying to scare me into paying money that I do not owe. KP consulting has threatened me with legal action and having someone show up at my home and workplace to have me sign some sort of legal document. I do not know who they are. They have reached out to my mother in law my sister in law my wife and tried calling my mother who lives in a different state. I want the harrassment to stop.
Product: Debt collection

My information was exposed to the XXXX  data breach and got into the wrong hands remove this fraudulent account immediately
Product: Debt collection

I contacted both XXXX and TRANSUNION to verified this account. Both companies XXXX/Transunion came back an stated that account had been VERIFIED but won't send me the information requeted by me. I asked to please provide me Name and Addresses of Medical providers, dates and type of services, to whom the service was provided, Oriiginal contract with my signature, and if information is collect i woulded off like the name of the person providing the data and the manner in which it was provided. I contacted TU and they said they don't provide such information. I also contacted XXXX to please provide me with verification of the account and also i didn't get anything from them
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX