23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management Inc, MCMI henceforth, acquired my debt from XXXX XXXX XXXX XXXXXX/XX/XXXX. Since that time they have contacted my family and friends trying to reach me to collect the debt. When that proved unsuccessful they attempted a sue me for the debt, XX/XX/XXXX, during the COVID-19 pandemic. However I was never legally served by the courts ; however MCMI was able to move the case to a new court and judge that granted a judgement by default. Since that time MCMI has contacted every employer that I have worked for in attempt to validate my identity and restart the life of the debt. In the fall of XXXX MCMI contacted my previous employer XXXX XXXX. I was terminated from XXXX XXXX XX/XX/XXXX. XXXX XXXX is a short term loan company with an INTERNAL collections department, that does not typically acquire outside debt. However, XXXX was added as a garnishee on the debt on XX/XX/XXXX, within the Michigan court system. MCMI with the help XXXX XXXX attempted to establish contact with from XX/XX/XXXX to XX/XX/XXXX in an attempt to restart the life of the debt. MCMI once again contacted a former employer XXXX, I was terminated from XXXX XX/XX/XXXX for being offline during a company-wide internet outage. XXXX held my final pay until XX/XX/XXXX, in an attempt to get me to cash a digital check at XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX  XXXX XXXX was added as garnishee to the debt. Since XXXX I have never made more than XXXX a year as such I have not been able to make payments to MCMI, furthermore the continued harassment from MCMI has made it difficult for keep employment for more than 6 months at a time making it impossible to make payments.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the customer 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 regulations E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX I filed a dispute request accuracy on multiple accounts on my credit report Experian reported them as accurate without further explaining how they came up with the accuracy on those accounts.I am a hard working single mom and there are false reports of late payments and accounts owed on my report. I want to buy a home and these negative reports are causing havoc on my family.All of my personal information has been leaked to the dark web and now Im seeing inquiries and false information on my reports. Experian has violated my rights to protect me as a consumer and asked for all of these late payments inquiries and falsely reported accounts to be immediately removed off of my account..
Product: Credit reporting or other personal consumer reports

I observed numerous inconsistencies and inaccuracies among the 3 consumer reporting agencies furnished reports when compared across the board. 

XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) Account # : XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX XXXX. XXXX XXXX Account # : XXXX ***under XXXX, XXXX shows that there's 2 LATE PAYMENTS. 
XXXXThen under EXPERIAN XXXX it shows that there's only XXXX LATE PAYMENT. 
***Yet, under XXXX XXXX it shows that the account is aready CURRENT.
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 Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/year> 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: Debt collection

On XX/XX/2021 I wrote a letter to National Credit Systems , IncXXXX asking them to verify/validate the debt they state I owe. 

XX/XX/2021 my letter was sent via Certified Mail to " National Credit Systems XXXX Inc. XXXX. XXXX XXXX XXXX, GA XXXX '' XX/XX/2021 the letter was received and signed for. 

I waited the 30 days to receive a response from National Credit Systems Inc. 
I NEVER received a response to my letter, then on XX/XX/XXXX National Credit Systems Inc. reported the debt AGAIN to the credit bureaus. 

Given my rights, I know that if the collection is not validated within those 30 days then the debt collector must remove it from my credit and halt reporting it. 
National Credit Systems IncXXXX has not validated the debt and is unlawfully reporting this debt to the credit bureaus.
Product: Debt collection

This is again the same dispute over and over see confirmation of payment XXXX// I faxed this information to you onXX/XX/2015 with a copy of my driver license bank statement when it was paid I been having to do this every 14 months the day of payment was made XX/XX/XXXX {$85.00} it was under the name XXXX XXXX it will faxed again if need it thank you
Product: Checking or savings account

On XX/XX/XXXX, I noticed that a savings account with minimal money I haven't used in years was charged over {$3000.00}, putting it in the negative. I called the bank ( Bank of America ) to tell them this is a fraudulent transaction, but I the fraud associate said they couldn't see any record of an attempted transaction and did not advise me to do anything. 

Two days later I see the same charge processing. I call the bank and tell them why was this allowed to process after I explicitly called about the fraud already. It is obviously fraud, money coming from an account that I never use. They put a stop payment but said it was too late and also put a freeze on account. They said when it posts I can initiate a fraud claim and that it would be refunded while they investigate. 

Predictably, this did not work and I see the transaction posted this morning. I put in a fraud claim but still they did not refund the money while they investigate. This is a blatantly obvious fraud transaction that I called about multiple times over days the bank had plenty of time to block and simply did not do so and are now not returning the money they should not have released in the first place. This is absolutely unacceptable criminal behavior by the bank simply allowing a criminal to take money from my account when I brought up the issue multiple times where they could have stopped it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The Items that need to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$40000.00}
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 604 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 a Sub Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions..
Product: Credit reporting or other personal consumer reports

I haave a acount on my credit report form XXXX XXXX XXXXXXXX. XXXX  XXXX XXXX is the furnisher of this account but this account has been charged off on XXXX XXXX XXXX books and a write off / business expense. ive already disputed this account with trans union. XXXX has deleted it and XXXX has deleted as well. according to 15 us 1681n XXXX  XXXX XXXX is being willful noncompliant to this matter and possible Cilvil liability can placed for this kind of reporting this is a violation of my consumer rights. 


Tranunion is violating my right under 15 usc 1681e for not taking the proper procedures for this account.
Product: Credit card or prepaid card

My credit card was hacked several months ago. TCF Bank in XXXX, Michigan locked the account and told me that a new credit card would be sent in 7-10 business days. After six more calls, the bank personal that the card has not been sent after several tries. The bank manager was to call me last Friday on XX/XX/XXXX. Still no call or card. I have bills to pay that are past due and like to know what can I do to get this settled. It has been over 40 days now.
Product: Credit reporting or other personal consumer reports

In accordance with the fair act credit reporting.The list of accounts below has violated my federally protected consumer report privacy and confidentially under 15 USC 1681.Account # XXXX XXXX XXXX XXXX and account # XXXX. 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 finding items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than 7 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
Product: Debt collection

The debt collector seeks to collect on a " Re-aged '' debt from the early 2000 's greater than 7 years old. The debt collector violates the consent agreement Cfpb file XXXX. XXXX and seeks to collect on debt alleged to have been purchased from XXXX, and failed to validate such debt as under statute of Fair debt collections Act. The debt collector has no legal right to collect debt alleged as third party showing no right to collect in place of " Creditor ''. The debt collector also called third party XXXX XXXX XXXX by robo call
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong Addresses are on the account. I've called and changes have not been made. Also I'm getting mailed and credit information with my address but another person 's name that does it reside here. I also have accounts that need to be closed that are still open.
Product: Debt collection

Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am in dispute of the ownership of the account. if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. I will be suing under 15 u.s.c 1681
Product: Credit card or prepaid card

Let me preface this by saying I have paid every bill timely, never once being late, and have spent quite a lot of money with this company. My payment was due XX/XX/2019 and I sent my check XX/XX/2019. The company did not process my payment until XX/XX/2019, which was a Sunday. Effectively, they charged me a late fee of {$27.00} and then a {$6.00} interest fee on top of that, for a total of {$33.00}. I am apalled that they waited so long to process my check, and then to add insult to injury not only charge me a late fee, but interest on that late fee. As I said, I have made every payment on time since the history of my having that card, and now they are endangering my credit for their lax practice is in processing payment. I spoke with a representative XX/XX/2019 regarding the same and he could not help me at all. I canceled the card.
Product: Debt collection

The debt is not mines if u look at the name on The paper it definitely not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXXir Credit Reporting XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. stated I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also stated a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX accordance with fair credit reporting act XXXX  account XXXX, XXXX and 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: Credit reporting or other personal consumer reports

TransUnion is reporting a bankruptcy on y credit report. I have attached a letter from the United States Bankruptcy XXXX, XXXX XXXX XXXX Missouri XXXX XXXX. This letter states that, they do not report bankruptcy to no one or no agency. I am attaching a copy of the letter to this dispute. Since the court is not report this, and I am not reporting it. I request that this please be deleted from my credit file. I this can and is impacting my credit negatively.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash 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 proce 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 4 financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On Tuesday XX/XX/year> on XXXX, while traveling for work in XXXX XXXX I received a text message that some unknown transaction was complete. It was a unknown individual I believe who hacked into my XXXX account and transferred themselves {$2000.00} dollars. At no point did I know the person whom did this unauthorized transaction. The name of the recipient on the account is XXXX XXXX. I do not know this individual whatsoever. The transaction recipient tag was XXXX. While in XXXX I did not make a single purchase of anything. I did not use XXXX at all. Or even my own banking, debit, or credit card either with JP Morgan Chase. I also did not visit any website or make a single a purchase. The hotel I was staying in was called, The XXXX XXXX. I stayed from XXXX XXXX. I have contacted both Chase Bank and XXXX themselves. I have put in a claim for fraud ( With both Chase and XXXX XXXX in their there investigations they determined that they would not be able to assist me/help me. Reason being because it was sent from my own phone. Which I did not do whatsoever. I am struggling to resolve this issue with both Chase and XXXX.
Product: Mortgage

My father and I jointly have a mortgage that was sold to Mr. Cooper in XXXX of XXXX. This week, an impersonator gained access to my father 's Mr. Cooper online mortgage servicing account and changed the email associated with the account. My father contacted Mr. Cooper to resolve the issue, but the impersonator was not removed from the account. Instead, the impersonator removed my email address from the account, preventing me from accessing the online portal. Yesterday, XX/XX/XXXX, a sales agent from Mr. Cooper spoke to the impersonator, who tried to open a new mortgage in my name, even though my credit reports are frozen with all three lenders ( and all have identity theft notifications in place ). I am concerned that Mr. Cooper 's security services are not sufficient to prevent impostors from gaining access to online services, and I am further perturbed that despite multiple attempts to remove the impostor from my father 's account, Mr. Cooper continued to communicate with them and discuss changes to my loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Rights Violations : 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 *According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. *They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. *Accounts has been deleted from XXXX but still showing on my report for Equifax and XXXX. 

XXXX XXXX XXXX  Account # XXXX Open date : XX/XX/XXXX. 

XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX date assigned. 

*Please Delete all accounts through out all of my credits report ( XXXX XXXX XXXX Equifax ) Due to accounts opened fraudulently, Ive included identity theft report along with this complaint for proof, Ive also filed police report. 

I also want delete all inquiries that does not hold any open accounts as it may be fraudulent on XXXX, XXXX XXXX Equifax.
Product: Credit reporting or other personal consumer reports

My scores on Equifax are not indicated on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Yesterday at XXXX XXXX. I received a call from Chase representative. I told the man speaking with broken XXXX that I was at work and didn't have time to speak with him. He asked again for five minutes of my time. I told him again, I was at work and couldn't take his call. He asked me when I got off work and I told him XXXX XXXX XXXX XXXX XXXX I was on my way to mother 's home as she is not well. My phone began ringing while I was driving. I noticed the number was the number from the man from Chase so I sent the call to voicemail as I was driving. I guess this call center man didn't like being sent to voicemail as he began calling me back repeatedly one call after another. Then it would appear that he got his call center friends involved as the calls were coming in fast and furious from Chase, XXXX XXXX XXXX XXXX. Some calls were made within minutes of one another some even less than a minute. I received five calls within in four minutes from the same number. They were all calling me repeatedly one right after another. This went on for well over 45 minutes. I never answered any of the calls because once I did get my car parked, I had no desire to talk to anyone who would behave in this harassing manner. The numbers who called me repeatedly throughout the 45 minute timeframe are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the man who got this whole nightmare started ). I received phone 40 calls from these call centers in the 45 minute span. I have a screenshot of all these calls in my incoming call log. I eventually had to silence my phone because once I arrived at my XXXX XXXX XXXX mother 's house, this behavior frightened her greatly. This is a level of harassment from telemarketers I have never experienced before. You can bet I will not EVER be using my Chase, XXXX XXXX XXXX XXXX  credit cards again. Absolute harassment. I just called several of these numbers back - they sent me to customer service each time and when I chose the number for " all other inquires '', the call never goes anywhere and the line is just dead and it eventually drops the call. Smooth move for avoiding anyone calling and complaining.