23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland funding contacted me repeatedly over a debt they bought when I had a delinquent charge off from XXXX XXXX XXXX back in 2014. They pressured me into paying it by threatening to sue me and garnish my bank account, and they called me upwards of 10 times per day. 

When I finally paid them, they told me they would delete the account from my credit report. I have disputed this with them multiple times stating that they said they would remove this account from my credit reports, and they still will not do so. 

Due to the fact that they used harassing collection tactics and lied about taking legal action against me, and the fact that there was a class action settlement last year against Midland funding due to their deceptive collection tactics, I request that their account be deleted from all three of my credit reports. 

Please let me know if you need any additional information from me about this and I will gladly be able to help.
Product: Credit card

I recently requested the removal of inaccurate and derogatory information from my credit report, specifically regarding a late payment notation. I previously submitted a formal dispute, asking that Chase provide clarity on the investigative process used to determine the accuracy of this reported late payment. I never received any notice that this information would be reported, nor any information about the investigative procedure, under the Fair Credit Reporting Act ( FCRA ). 
The reported information is not entirely accurate and has significant ramifications on my financial stability and ability to support my family, including impeding my efforts to secure a home. Per the FCRA, I am entitled to both accuracy in reporting and transparency regarding the methods employed in verifying such information. The failure to comply with these standards leaves me no choice but to seek appropriate legal remedies should this issue remain unresolved. 
I urge Chase to reevaluate this matter promptly and to rectify the incorrect reporting without delay. Please inform me of any steps being taken to amend this entry or to facilitate an accurate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This mortgage was an individual mortgage account opened by me XXXX XXXX XXXX XXXX not a joint mortgage as reported. Further this account was never late and paid as agreed. During a personal tragedy and job loss, I agreed to sell the house via power of attorney as I moved overseas. The house was sold and the balance was paid off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account with Capital One Bank. I am trying to open a XXXX account with them. The bank refuses to open the XXXX account unless I have a cellphone. They will not open the account unless I provide this number to them. This is discrimination by the bank. The bank already has my home landline phone number and my work landline number. I should not have to own a cellphone in order to have a bank account.
Product: Debt collection

Midland credit company called me from XXXX XX/XX/XXXX  I ignored the call and couldn't find anything online about the number Midland called again the following Monday I called back they asked for XXXX an individual who has been asked for repeatedly on my number for the last 10 years so I told them I am not XXXX. Midland then proceeded to continue calling me every day after that I even attempted to blocked their number only to then be called by XXXX and XXXX and XXXX XXXX XXXX. I reiterated that I am not XXXX again Saturday XX/XX/XXXX. I can understand accidently calling me when many others have made the same mistake till they where informed otherwise but continuing to make the mistake speaks to a failed noting system for their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under is U-S-C 1681XXXX 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 Has violated my rights 15 U-S-C 1681 602 A- Stat 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.

15 U-S-C 1681 C- ( A ) ( 5 ) Section state : 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 conviction of crimes which antedates the report by more then seven years.

15 U-S-C 1681 -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX and Wakefield associates keep selling the debt back and forth. This debt is from identity theft someone in another state XXXX miles away used my name and personal information to obtain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX az. I live in New York and have never traveled or lived in az in my whole life. These people need to do a better job verify who they are seeing. If they would have asked for Identification or my health insurance card. They would have easily seen the person they where seeing was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial fixed the reporting issue with XXXX and XXXX, but they are now reporting my account was closed in XX/XX/2021 with XXXX. Clearly, this is inaccurate and a violation of the Fair Credit Reporting Act.
Product: Debt collection

Transworld Systems inc. is in violation of 20 of the FDCPA Laws as you can see in Exhibit A, B, C, and D I sent Transworld Systems inc. a debt validation letter, Transworld Systems inc. failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus which is another FCRA violation. Also as you can see in Exhibit C and D the amount is reporting inaccurate. By reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want an apology and I demand remedy by paying the invoice included of {$20000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. Please I ask you to investigate this matter and help me from further harassment. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Checking or savings account

I received a call on XX/XX/XXXX from USAA letting me know that account was hacked and someone had created an external account and transferred funds. They also told me that someone tried to make a transfer to XXXX XXXXXXXX XXXX for {$3500.00} and XXXX XXXX payment for {$900.00} in Fl. I did NOT authorize these transactions. After giving this person my information they hung on me. I called USAA back and later found out that the person who originally called me was one of the scammers. XX/XX/XXXX started the fraud and identity investigation with USAA. I spoke with someone named XXXX on XX/XX/XXXX and he found fraud in MY favor and i was to have all those funds back in 2 to 3 business days. A total of {$3700.00} per XXXX which was a fraud investigotor. I called back on Tuesday XX/XX/XXXX asking where the funds were. Spoke with someone now named XXXX she said she will care for the funds as NO one requested those. I was happy to hear this news. SHe later called me back and said never mind i looked into your account and didn't see a breach I wont get any of those funds and now has locked all access to my account. I have called USAA everyday since XX/XX/XXXX and there has always been a different answer to all my same questions. I spoke with XXXX today a fraud analyst and she told me to call back and dispute the decision which i will be doing. 

i called usaa on XX/XX/1924, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX at least 3 times per day I do not understand why 1 inverstigator can be so understanding and helpful and the next one was so rude, nasty and not helpful. 

ONCE THIS IS FIGURED OUT I WILL NOT BE CUSTOMER ANY LONGER How can USAA treat their customers like this that proudly served their country?
Product: Credit reporting or other personal consumer reports

I'm writing to formally address a matter of utmost importance concerning a violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ).

My consumer report, under your guardianship, has unauthorized entries related to consumer credit transactions that are IDENTITY THEFT. NO PROPER DOCUMENTATION SUPPORTING SUCH CLAIMS AND ALLEGATIONS HAVE BEEN SUPPLIED AND MY WRITTEN AUTHORIZATION WAS NEVER GIVEN : I HAVE ASKED FOR THIS PREVIOUSLY BUT BECAUSE THE CORRECT INFORMATION WAS NOT SUPPLIED, IT BRINGS US HERE. Please be explicitly clear on this matter : at no point did I grant or was approached for any authorization pertaining to these transactions. It XXXX XXXX XXXX ; s alarming to have to go through these things, and the implications for me are profound.
Product: Mortgage

Prospect Mortgage, XXXX, SC XXXXXXXXis placing a mortgage on XXXX, SC declaring " there is no litigation '' related to the property, when indeed litigation has initiated with : XXXX, South Carolina, XXXX XXXX ( XXXX ) XXXXXXXXThis attorney is a class action firm and their last similar but smaller litigation for the same type of " structural defects '' was {$200.00} XXXX. 
Prospect mortgage hopes to place this mortgage denying that any litigation exists, " before the litigation is registered in the land records ''. 
My complaint is this is UNETHICAL at best and perhaps worse.
Product: Checking or savings account

I banked with Wells Fargo for some years and was overcharged monthly on my checking account overdraft fees, ATM fees, other miscellaneous charges for years.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX Balance. {$260.00} XXXXXXXX XXXX XXXXXXXX. {$200.00}
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. Cash App failed to take timely and effective measures to prevent and address fraud on there 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 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

XXXX  reached out to me in 2022 stating they were no longer is business and my acct would be closed at that time my payments was as scheduled and paid on time. I asked who the new finance company and they would be said they did not know. However, they closed my account even though my payments were on time. I began getting phone calls from a third-party company stating that I owed {$1300.00} when my balance was only {$400.00} before they closed my account. 

I need all documents regarding payments, interest accrued, and documents stating how they acquired the XXXX acct
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, i was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. this has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit card

My credit report shows that I have a credit card with TD Bank NA that was opened in XX/XX/year>. I did not open one. I contacted TD Bank last year when I first learned about this and was given the impression this account was closed. My credit report still shows it as active ( although no transactions ). I called TD Bank NA, they say they can not see any account with my social security number and suggested I file a dispute with the credit bureaus, which I had already done. I just received an update from XXXX that the information is accurate and the account is open! I don't know what I need to do close this account and save my identity. I seem to have got nowhere in spite of these efforts. 
I entered the billing address for this credit card as mine as it was a required field on this CFPB form, but since I do not have the credit card and was not given the account number, I do not know the actual address this card was sent to.
Product: Checking or savings account

On XX/XX/2023. By my attorneys request ( for the start of a severance with my XXXX XXXX XXXX ) I put A Lock on my corporate dental office checking account. Where any funds deposited into the account would be frozen. Funds could go in. No funds could be withdrawn, wire transferred out. Until an official letter ( the banks request ) on an official office letter headed paper was written to XXXX XXXX Treasury department. That I am hereby reinstating that I am taking back my corporate checking account, from any wire transfers, would no longer be allowed. Once the letter was received by treasury. I could then ( only I, the sole signer ) could then start withdrawing funds from the lock account .that was put in place on XX/XX/XXXX. The letter was received by XX/XX/XXXX ( i believe ) to the Treasury department. In the mean time XXXX withdrawals were still taken out of my account in mid XXXX with the lock still in place. And my official letter was well received making me the only person who could take out funds. 
A total of a little over {$5000.00} was wired transferred out of my account. That was brought to my attention around XX/XX/XXXX. 
The banking personal have informed me of this error. A complaint was filed with the XXXX that they are aware of. I have been promised numerous times the matter is being looked into and indirectly told that they will be refunding me the funds that were wired out. For almost XXXX weeks in row they are hold my much needed funds ( XXXX ) in front of me. Pawning me off to XXXX banking employee after another to tell me the catch phrase. We are looking into this. Which I find at this point gravely insulting. And, almost childish in saying we made a mistake. We are hoping to rectify this situation. We just dont know when?. ( is what the bank is telling me ) In the mean time. We are holding your funds basically XXXX. 
Seeing how many calls, attempts, going in person to the bank .being always Its in our lawyers hands, somebodys hands, and we can never tell you when you will get your loosely promised funds back from us. 
XXXX weeks. With no finial date in site. 
Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Bankruptcy # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 1681 c. ( 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 or other personal consumer reports

On XX/XX/24 I sent Experian, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX XXXXXXXX shouldn't be on my credit report for XXXX. I do not recognize this account. I'm going to file a police report for this account, and I believe that it is identity theft. The loan is called XXXX XXXX XXXX # XXXX and I do not recognize this loan. I'm going to call XXXX again to file a fraud dispute. Can you contact XXXX to let them they that I see a fraudulent account on my credit report?
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX XXXX XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Account Number : o TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccuracy Noted : Incomplete visibility in the screenshot prevents a full comparison of account numbers. 
XXXX. Balance : o TransUnion : {$6900.00} XXXX XXXX : {$6900.00} XXXX XXXX XXXX XXXX XXXX. High Credit / Credit Limit : o TransUnion : High Credit : {$6700.00} ; Credit Limit : {$5700.00} XXXX XXXX : High Credit : {$6700.00} ; Credit Limit : {$5700.00} XXXX XXXX  : XXXX XXXX Past Due : o TransUnion : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Payment Status : o All show as Collection/Charge off, which is consistent. 
XXXX. Last Reported : o TransUnion : XX/XX/XXXX o XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Comments : o TransUnion : Charged off as bad debt. Dispute resolved ; reported by grantor XXXX XXXX XXXX  Account was in dispute- now resolved - reported by subscriber. 
XXXX XXXX XXXX Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active & Date of Last Payment : o TransUnion : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX  Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX