23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have  learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Mortgage

In XXXX of 2022, I was in the process of my loss mitigation application, and the mortgage company served me foreclosure papers. This is a blatant violation of the Consumer Financial Protection Bureau regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX regarding the inquiries listed on my credit report that were not authorized and done by myself on XXXX/XXXX/2017 and they explained that I needed to contact them in writing to dispute them. On XXXX/XXXX/2017 I did contact them via mail and rquested that all inquiries be removed at once because they were not authorized to pull my credit and I have n't applied for any cards with this bank. XXXX XXXX never responded to my initial written request so I called the Equifax XXXX/XXXX/2017 and again on XXXX/XXXX/2017 to explain the situation once again looking for some type of resolution and was told to call the creditor that there was nothing that can be done without written letter stating they ( XXXX XXXX  ) wanted the inquiries removed. I decided that I would again send out letters as well as contact the CFPB to notify you of this situation as well as send out a second letter to the creditor as well as a letter to the bureau for each unauthorized inquiry from XXXX XXXX although I was told that nothing would be done without written permission to be removed from the creditor. I find it very upsetting to have my credit score impacted by inquiries I myself have n't done and to have the bureau and XXXX XXXX just " bounce '' me back and forth between the two of them I ca n't seem to get to a point of resolution please help me resolve this matter because I have exhausted all attempts thank you.
Product: Debt collection

Company has been notified a number of times that this account is a result of identity theft. I have reported this to police and the Federal Trade commission. Police report Done in XXXX PD case # XXXX officer XXXX  Badge # XXXX. FTC report # XXXX. I also have screen shots of all the telephone numbers LVNV Funding LLC calls from. They call from various numbers all all the county trying to trick the consumer. They even make local numbers just to call me from. They will deny this but the phone log on the XXXX does not lie and when the numbers are called back they answer with their business name. I am going to turn this list of number and screen shots over to the Attorney Generals office for harassment and the fact they keep reporting this ID theft account on my credit reports. The account is reporting as XXXX XXXX XXXX for XXXX on XXXX etc. via LVNV Funding LLC
Product: Credit reporting or other personal consumer reports

recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit card

I have had a credit card with Discover Card since XXXX. My husband was laid off. During that time Discover worked with us and we completed a 12 month program. After the program was completed they offered me a settlement on of around {$5500.00} on a {$12000.00} balance but said they would revoke my card. I have been working hard to reestablish my credit and did not want to have them revoke my card. A few months later ( XXXX ) after selling my home I was able to pay the balance of the credit card in full. I received a letter dated XXXX XXXX, XXXX, after paying the balance in full, I received a letter from Discover Card stating they had revoked my credit. I called and no one was willing to reinstate my credit card or remove the derogatory item from my credit. I could have closed the account myself an avoided having the " revoked '' listing on the cc or I could have settled and had the same result and saved myself {$8000.00}. I would like them to either reopen the account or remove the derogatory information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT. PLEASE HELP ME RESTORE MY IDENTITY. THE FOLLOWING ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME. PLEASE BLOCK THE FOLLOWING DATA FROM MY CREDIT FILE. PLEASE UPDATE MY ADDRESS TO THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX. 

PLEASE UPDATE MY PHONE NUMBER TO THE FOLLOWING : XXXX ACCOUNTS : XXXX  XXXX  : XXXX XXXX XXXX XXXX : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach, and as a result, unauthorized accounts and inquiries have appeared on my credit report. I am requesting the immediate blocking and deletion of the following accounts and inquiries, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my consent or authorization. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} XXXX. XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # : XXXX XXXX Account Number # : XXXX XXXX Equifax is the only credit Bureau who Is still violating my rights and reporting false and inaccurate information on my credit report. There is an account that was reinserted on my credit report without written notification of reinsertion, This is the first Violation. 

The second violation is that on my credit report, the account is a collection/Chargeoff account showing Date Last Active - XX/XX/XXXX but it shows I made payments the whole year for XXXX and the whole year in XXXX. 

third violation - The account is showing a Balance due of {$1900.00} on a closed/collection/Chargeoff I have filed several disputes with Equifax and they are just using the eOscar system to verify this account instead of a proper investigation. 


XXXX Account Number # : xxxxxxxxxxxx XXXX
Product: Checking or savings account

They will not post our direct deposits mine was {$790.00} and my wifes was around {$830.00}
Product: Debt collection

In XXXX of XXXX I purchased heating and air conditioning equipment, financed by Synchrony Bank. I agreed to make monthly payments for 24 months, interest free provided the promotional balance was paid prior to the expiration date. The promotional amount I borrowed was {$6300.00} and was paid in full prior to the expiration date, XXXX or XX/XX/XXXX. However, a balance of {$730.00} remained that I did not recognize. The discrepancy is a Card Security fee that Synchrony has charged me, and that Synchrony claims I purchased by clicking on an on online offer. Until XXXX of XXXX I was unaware of a Card Security '' fee associated with my Synchrony account. I do not recall Card Security being properly disclosed, nor do I remember purchasing Card Security. I have been told a welcome package was emailed at the time of purchase with the full terms and conditions of the Card Security Program. I can find no such email. I have not paid these Card Security fees Synchrony has charged me while trying to resolve this and Synchrony continues to add interest. Currently my balance is about {$6000.00} all of which is interest levied on the original unpaid card security fee of {$730.00} of XX/XX/XXXX. 

I have asked Synchrony repeatedly to produce the online form that indicates I purchased Card Security, with no success. Additionally, I question the amount Sychrony claims that I owe, {$6000.00}, and request an explanation of how Synchrony arrived at this number.
Product: Debt collection

Beginning with XXXX XXXX XXXX selling my loan to Seterus, debt collection their customer assistants and " supervisors kept informing me that I had filed for bankruptcy ( I have never been in bankruptcy ) 3 months and numerous phone calls yielded only idol promises that it would be taken care of without any success, so I could not make my first paymentand then a second payment and into the third payment which were in my bank waiting to be processed to Seterus. I finally spoke to someone that returned my call 20 minutes after we had spoken to inform me that I was right there was no bankruptcy but now they would need all 3 months of the mortgage including late fees. Due to a hardship I have fallen behind 2 months on my payments and had filed for modification. Once again the constant problems continue either I was getting letters stating they had not received all paperwork that had been included in the first request. Resent paperwork 3 times now. They were going to allow a forbearance due to a box that was checked, on the paperwork, that should n't have been. Resent All required paperwork once again with a detailed hardship letter and now less then two weeks later have now received a letter stating they can not approve me for a modification due to fannie mae stating that my financial information has been determined that I am not at risk of default because I did not document a financial hardshiop that has reduced my income. Could n't have been much clearer than then the hardship letter explaining my part time job had been discontinued in XXXX thereby deducing XXXX a year less. And because I am a senior citizen, plus, I really have very little options on positions in my marketplace. This would seem to be a conclusion for any cooperative company that it will be difficult to continue my current mortgage payment at the amount it is at now. In addition have received two letter stating that they are going to start the procedure for foreclosue. ( What ) I have equity in my home I can sell it but because this spot and land has been in the family for 70 years and my husband and I built this home 24 years ago ( he passed away XXXX ) I really choose to be able to continue living here. 
I have worked in the real estate and mortgage company for 40 years but I have never found a more difficult and almost impossible, to understand, company as XXXX has been.
Product: Checking or savings account

Today is XX/XX/2021. Earlier today I went to get some car maintenance done, which I paid for with my Chime debit card. Everything was fine. Around XXXX XXXX EST, I went to check my account on my app, and it logged me out. I didn't have my password on me so I pressed forgot password. It kept giving me a " too many requests '' on the screen. So, I called customer service and ironically the automated operator said they were closed. Last time I checked they were available 24/7. The second time I called it stated I was eligible for free auto care. I thought it was through Chime. I still don't know. Now someone has my name and car model. I hung up and called back and now the number is not available from the area I'm calling from according to the automated message. Now, I can not access my account from any angle. Chime did not and still hasn't gave any notification of any technical difficulties or other mishaps to me. I can not get in contact with anyone by phone, and no one has answered my email. I can't log in to speak to anyone through chat and if I could I wouldn't have any problem because the problem is not being able to access my account. How this situation is being handled is unproffesional and fraud like. There's no one you can contact, no one has yet to notify me of Chime having issues, and their phone number is being rerouted if not shut off from receiving calls from customers. I want what's left in my account out of their system ASAP so I can go with a more professional and safe banking institution.This is beyond draconian, and it seems as if these institutions keep getting away with these so called mishaps. I have rights as a natural living being, creditor, consumer, and sovereign and this here is in violation of majority if not all of them starting with the non communication. Someone needs to look into what's going on with Chime regarding this matter and have them release people their money along with investigating their business structure because it's ironic no one can be contacted when not being able to access my account nor funds. I need access to my property ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incomplete and inaccurate information on a XXXX XXXX XXXX account. The credit reporting agency is reporting a late payment. The account has been rescinded. XXXX XXXX XXXX is not reporting on this account. Experian has taken it upon themselves to create false information. 
The FCRA is a federal statute designed to protect consumers from the harmful effects of inaccurate information contained in their consumer credit reports. Thus, Congress enshrined the principles of " fair and accurate credit reporting '' and the " need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness '' in the very first provision of the FCRA, See 15 U.S.C. 1681a. To that end, the FCRA imposes the following twin duties on consumer reporting agencies ( or credit bureaus ) : ( i ) credit bureaus must assure maximum possible accuracy of information when preparing consumer reports and to set up reasonable procedures to maintain compliance with this minimum reporting standard ; and ( ii ) credit bureaus must reinvestigate the facts and circumstances surrounding a consumer 's dispute and to appropriately and timely correct any inaccuracies. 
Experian compiles, maintains, and reports information concerning Plaintiff 's creditworthiness, credit-standing, credit capacity, character, and reputation. That information is then made available for use by third parties in credit transactions involving consumers, for employment purposes, the underwriting of insurance for consumers, and even housing. Experian systematically violated the FCRA by failing to adhere to and maintain reasonable procedures to assure the maximum possible accuracy of the information in the consumer background reports it published. As a result of Experian 's statutory violations and continuous willful neglect, Plaintiff is suffering statutory and actual damages as described herein and is entitled to recover statutory, actual, and punitive damages under 15 U.S.C. 1681n and 1681o.

Litigation will follow.
Product: Credit card or prepaid card

on XXXX XXXX received a pre-qualified offer for a loan ... I went to their online application completed the information and was quoted a 98 % apr. for the use of money ... .A competing company quoted me 13.5 % for the same type of loan. XXXX needs to be investigated on the loan rates they are quoting people and the legality of their rates. 

this is their official offer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Months {$6500.00} 98.50 % {$260.00} biweekly 36Select Other offers you may want to consider AmountEstimated APR*PaymentsLoan Months {$5000.00} 98.50 % {$200.00} biweekly 36Select {$7500.00} 98.50 % {$300.00} biweekly 36Select {$3500.00} 98.50 % {$140.00} biweekly
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Vehicle loan or lease

On XX/XX/2021, A Affidavit Of Truth was sent to this company by USPS Certified Mail, tracking number : XXXX. Detailed was notification to this company on the violations they have committed under the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ) a Affidavit Of Truth with sworn statements under penalty of perjury to confirm all statements as facts.
Product: Debt collection

, The debt collector is contacting me to collect a debt that I don't owe. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4