23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account XXXX XXXX {$560.00} I am writing to file a formal complaint against Midland Funding LLC for violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Midland Funding has erroneously furnished information about an account that does not belong to me on my credit reports. 

Furnishing Inaccurate Information : Midland Funding has reported an account on my credit reports that does not belong to me. This act violates the FDCPA and FCRA as it results in the dissemination of false information about my credit history. 

Debt Validation Sent to Wrong Address : Midland Funding claims to have sent a debt validation notice to an address that they had on file, which I never lived at. This failure to properly validate the debt and send the necessary documentation to my correct address is a violation of the FDCPA. 

Incorrect Address on File : A representative from Midland Funding provided me with an address they had on file for me, which is incorrect. I have never resided at that address. This raises significant concerns about the integrity of their record-keeping and the possibility of identity theft or misuse of my personal information. 

The presence of this account on my credit reports has caused undue stress and potential harm to my credit standing. I am also deeply concerned about the security of my personal information. Midland Funding 's actions have made me consider going to the incorrect address to investigate who might be using my information, for which Midland Funding could be held liable for any resulting issues.
Product: Money transfer, virtual currency, or money service

I am filing a complaint about Cash App ( Block , Inc . ) due to inadequate customer service unfair practices, which Violates The Consumer Financial Protection Act ( CFPA ).
Product: Mortgage

Today XX/XX/2021 ShellPoint Mortgage representative stated they were unable to speak to me due to litigation - I have not received and information as to litigation or if regarding on going litigation with another party. 

I asked for contact person and representative stated ShellPoint was unable to provide ShellPoint did update prior request regarding address - which is appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and TRANSUNION has violated my rights. 

-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer. 
-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting or other personal consumer reports

There has been continuous errors on the report which include : 1. The creditor is listed as the company rather than Me 2. The account is showing late or abandoned ( interest ) income which is NOT CREDIT 2. The account is not listed as paid in full even though full value has been received
Product: Consumer Loan

have just been treated very poorly by XXXX different members of the navy federal team, XXXX in the loan payment dept an intake person and a supervisor, and a third person XXXX in their customer service dept ( which is a joke ) ..i refused to verify my business email ( which i do not use for my personal banking ) ... the first girl refused to take my payment, which she could have verified by many other means, i have had this car note for over 10 years and i used to be an employee of navy federal ... the supervisor refused to take the payment as she doubted my ownership of the business account at another bank ( gee wonder why i do my biz banking elsewhere? ... could it be lack of service and customer care from navy federal? ) ... .i am the president of my corporation and see this as a real insult ... so here i am at XXXX on a monday morning trying to get my bills paid so i dont cut into my " sales time '' with my customers and i am dealing with XXXX " too uptight '' employees that are refusing to take a " payment '' on a car note ... .what kind of institution is this ... perhaps you are so used to bullying the young military personnel and their spouses that you routinely deal with ... that you have forgotten your customer service goals ... i am extremely disappointed in the level or nonexistant service that i have received this morning ... you have wasted an hour of my valuable time ... and i am having to mail a payment in snail mail ... due to your poorly trained personnel ... am forwarding a copy of this to your ceo ... .i am embarrassed that i formerly recommended this institution ( navy federal ) to other family members..i will address this issue quickly and post this on XXXX so others can be aware of your treatment of your " members '' ... .which apparently you dont care too much about retaining ... XXXX XXXX, Pres/ceo XXXX, XXXX florida .... 

their employees were combatitive, insisted i was receiving email confirmations of payment ( when i am in fact receiving confirmations via postal service ... which is my preference ) ... 

the employees exhibited no good faith customer service effort to collect the payment on behalf of the lending institution and to help avoid the consumer going into a late payment status ... .by refusing to accept the payment from me on a timely basis. 

argued with me over how past payments had been made argued with me over whether or not my name appeared on these outside banking accounts a very poorly run credit union where membership means nothing
Product: Mortgage

Had reduction of wages by 25 % from XXXX to XXXX. Applied for modification with Penny Mac to assist with mortgage due to garnishment. They intentionally waited and prolonged my request as to report me to the credit bureaus for 30 days late. Then only reduced my monthly payment from XXXX to XXXX or so for proposed three months. But wanted to increase my interest rate from XXXX to > 6 % for them reducing payment to that. I would not sign the modification because it was predatory and unethical. So now they've tacked on all kinds of bogus charges to my loan. I tried to reach out to them to resolve but they're a predatory company that does not want to help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal laws and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. 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

I sent multiply certified written letters about unauthorized inquiries listed on my credit report, both creditor and credit bureau refuse to give evidence stating I gave them access to my credit report. According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. I asked them to please send me communication from these companies of what they consider permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a closed account with a balance owed. 

The account is from XXXX XXXX XXXX. 
This account has been settled since last year and Equifax is not doing a good job reporting accurate information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX Account # 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 an account without my written instructions.
Product: Debt collection

In reference to CFPB claim XXXX and the documentation, I received on XX/XX/2022. The documents are unresponsive to my demand. I requested proof that I owe Eastern Account Systems, Inc. money. However, the documentation sent to me refers to an Internet, TV, and Phone company named XXXX. I sent a letter to Eastern Account Systtem , Inc. on XXXX, requesting they provide me evidence that I owe Eastern Account Systems, Inc. money. If they can not provide such documentation, they should remove the erroneous collection from my credit file with XXXX and XXXX. They chose to ignore this letter and did not respond. I am now invoking my right to have the account this erroneous collection removed/deleted from my credit file with XXXX and XXXX. I have not been provided proper documentation showing that I owe Eastern Account Systems, Inc. anything, and they have not responded to my letter for over 45 days.
Product: Credit reporting or other personal consumer reports

When I looked at my credit report today, I was alarmed to see unauthorized inquiries that I never approved. I routinely check my report, and Ive never seen anything like this before. I tried refreshing my browser, hoping it was just an error, but the inquiries were still there. Im deeply frustrated by this and want the documents I've provided to be reviewed closely so I dont have to deal with this XXXX  again.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 

XXXX XXXX XXXX XXXX number XXXX
Product: Debt collection

Original account ( XXXX ) was paid in full according to contract and is reflected as such on credit. Collections account is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 at XXXX XXXX  I spoke with a representative from XXXX regarding a chapter XXXX bankruptcy that was placed on my credit report on XX/XX/2018. The representative stated that the bankruptcy was verified through the bankruptcy court. I also have a phone recording with her stating so. I also contacted the United States Bankruptcy courts myself an inquired about the procedure on verifying information with the credit bureaus. I was told in writing that the Bankruptcy courts do not verify information with the credit reporting agencies. They have unethically lied to me and tarnished my recently good credit.
Product: Debt collection

I'm going to explain my problem again in a simpler way. What is happening is that I have a report of a car purchased on XX/XX/XXXX, when I did not yet live in the United States. I obtained my visa to enter the USA on XX/XX/XXXX, and entered the country on XX/XX/XXXX. How is it possible that I have bought a car in the USA without living in the USA, this is my problem.
Product: Credit card

On XX/XX/year> I spoke with USAA to establish the timeframe a credit dispute may occur, they assured me there was no time limit. I submitted information regarding disputed charges on XX/XX/year>. The timeframe stated to review documents is 48 hrs. I called and spoke with USAA on XX/XX/year> to determine the document status and why they had not been reviewed but USAA had begun to make determinations regarding the disputes. Again I communicated with USAA on XX/XX/year> as to why the documents had not been reviewed, I requested escalation to a supervisor or XXXX, I was met with hostility and resistance by the employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal information that is being reported is Mixed and Merged with my family member personal information. Reporting an incorrect address which I have disputed for an entire year and the credit bureau still reporting this erroneous information. The incorrect address is XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Remove the incorrect information because I never lived at this address.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : CREDIT MGMT Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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

I applied for student loan assistance during the forest fires in California because i was affected. The loan program said they would give a 1 year of none payment assistance and that i qualified for this based on my zip code. For whatever reason the loan reported that i did not make any payments. This resulted in lowering my credit score. When i spoke to the credit reporting company they said they cant do anything about it. When i spoke to the student loan people they said it was a mistake but that they can not fix it with the credit reporting company and that i would need to do that on my own. Neither party wants to help in correcting this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX  XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was going through a divorce and also due to a medical illness I got behind on my mortgage and car loan. And was hit with medical bills that are now resolved. But since XXXX  I have been current and still reporting on my credit as late! And have Hard inquiries from XXXX XXXX XXXX XXXX. I Have disputed this and still no change.
Product: Credit reporting or other personal consumer reports

Any Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal per 15 USC 6802. I was never given the opportunity to opt-out before anything was reported, which is a violation of my rights.
Product: Bank account or service

I have a {$500.00} revolving line of credit with Regions Bank. I am in the process of trying to close on a condo, so I paid {$300.00} last month and yesterday, XXXX/XXXX/2015, the account had a balance of {$190.00} in which I made a payment of {$200.00}. This a.m. I went into the branch to try to get an update statement showing the {$200.00} payment with a available credit of {$500.00}. Unfortunately, the XXXX branch manager could not produce an updated statement showing this payment and available credit. Unfortunately, I discovered Regions had assessed a {$37.00} paid in full fee and was able to produce a statement showing only this transaction. I also noticed that on this {$500.00} revolving account, Regions had " willy nilly '' assessed a ton of fees to this account throughout the time I have had this account. 


ANOTHER SEPARATE COMPLAINT : As I overpaid this account by {$2.00} ( stated as a credit on statement and refunded back to me at a branch ) when I paid account in full and requested an updated statement ; however, today, XXXX XXXX, 2015, I received a statement from Regions Bank treating the {$2.00} overpayment I made as a cash advance and has charged my XXXX balance account {$10.00} with {$1.00} in interest. Just criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report from the bureaus and found INACCURATE, ERRONEOUS, NEGATIVE, UNVERIFIED information listed on my credit. I disputed these accounts and information with the credit bureaus. I believe the bureaus may be in violation of the laws put in place by the Fair Credit Reporting Act ( FCRA ) ; to protect my information and the validity of all information and accounts listed on my credit report.
Product: Student loan

To begin my story, I decided to attend XXXX School specifically XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. At the time, I had just gone through a bankruptcy so I had to take out a private student loan which had a high interest rate to pay for college. Everything was ok at the beginning, I started to attend class and was doing very well. As I was attending class I was put on a payment plan by the XXXX XXXX, things were ok for a while but as school started to get more demanding I could not work as much and my payment plan with the school started to suffer. Because, I could not keep up with my payment plan, I was told by the administrative staff at the Culinary Academy that I was going to be withdrawn from the school for non-payment. The most disappointing aspect of all this was that I was XXXX semesters from graduating!! So, after a long battle with the school, I start my XXXX career, which needless to say was extremely hard. There was never enough money to pay off the private and/or federal student loans, so I had to keep putting my loans in a deferred status, I think at one point I started with a XXXX to XXXX XXXX dollar loan and it just ballooned over time to XXXX XXXX dollarrs because I could never pay it back. I went along like this for years, until I ran out of time, I could no longer defer my payments. Since XXXX or XXXX I have been struggling to pay my student loans. At one point, I was so destitute I could not pay the loans and my credit was ruined by the loan provider ( XXXX XXXX XXXX I finally reached out to them and they got my loans back on track so I would not default, however it was too late my credit had already been damaged. Since then, I have tried to keep up but the payments for my private loan and federal loan add up to about roughly {$800.00} a month ... I just ca n't pay that anymore!! As of XXXX I reached out to XXXX which is now Navient and tried to work out a interest rate reduction and or payment amount reduction with Navient but they have yet to agree some relief!. They advised that me and my co-signer had to perform a financial analysis, which we did, only to be told that I did not qualify!! Which I do n't believe. As it stands right, I have a outstanding loan of about {$69000.00} dollars and {$40000.00} of that are part of the private loan and the private loan payment is {$600.00} a month at almost 14 % interest. At this rate I will not pay off my loan until XXXX, maybe even later ... I can not sustain this type of payment, I am going crazy!! it is really affecting my life. I am not sure what your organization can do to help, but any help would be much appreciated. The guess the most hurtful thing about all of this is that I did not get to graduate from college, I did not get a degree but I am still paying XXXX dollars to an organization ( Navient, formerly know as XXXX ) and having nothing to show for it. 

Sincerely, XXXX XXXX