23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have reached out numerous times to midland funding concerning an account that I asked them to VALIDATE. I faxed numerous times a request to validate this debt and Midland credit has failed to respond to my request. The letter that I faxed them states : To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and 7.Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank You This account has been removed from all XXXX credit reports and now the account has been reinserted without the validation that I have requested. This account is to be removed immediately. For there is no application with my signature on it agreeing to this account. I want this account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several tradelines on the consumer reports and in the consumer file concerning me over 18 months. Equifax has failed or refused to delete the inaccurate and incomplete information even when I've presented them with proof of the irreparable errors. I do not give Equifax permission to publish, report, furnish or appropriate my personal information or private financial transactions. I did not give Equifax permission to have my private financial records, and therefore they are violating my privacy rights, damaging me, defaming my character, and harassing me by not complying with the Fair Credit Reporting Act, Code of Federal Regulations, United State Code, and state consumer protection laws. 

I mailed disputes to the address provided by Equifax, and their registered agent in Utah where I reside. Because Equifax refused to delete incorrect and incomplete tradelines from the consumer file concerning me, I demanded full disclosure of the file according to FCRA 609.

Equifax has failed or refused to comply with Fair Credit Reporting Act 609 and provide me with a physical copy of the consumer file they have concerning me. I demanded full disclosure on XX/XX/2022 and they failed or refused to send it to me within required 15 days. I gave them an opportunity to cure their default of providing full disclosure on XX/XX/2022. I have yet to receive the required FCRA 609 full disclosure of the entire consumer file concerning me. 

This leads me to believe that Equifax does not have reasonable procedures in place to ensure maximum possible accuracy of the information they compile and publish in the consumer file and consumer reports concerning me. 

Equifax is reporting an account that doesn't even have a tradename and I've requested that it be deleted, yet it hasn't. How could Equifax have verified or validated an account whom they don't even have an entity to contact? 

The following accounts tradelines need to be DELETED immediately because the entities do not exist and I have no legal recourse against them : 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 DELETE the inquiry from XXXX - XXXX XXXX  as I have never done business with them or given them permission to access the consumer file or consumer report concerning me. This tradename does not exist and is not registered to do business in Utah. 

I am the only person that can validate or verify any information regarding my private financial matters and therefore, I do not give Equifax permission to include anything in the consumer file or a consumer report concerning me without first getting certified written permission directly from me, not from anyone else. I am the only person with firsthand knowledge of the accuracy of my consumer credit transactions. 

I am attaching my dispute letters that Equifax has failed or refused to comply with. I request that you CEASE AND DESIST with including all disputed information in the consumer file or consumer reports concerning me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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

Description of complaint : First, thank you for helping to resolve my previous complaint just last week with Citibank. Unfortunately, today I encountered an associated situation w/them. Under the advice of Citi Executive Response team last week, I opened a 2nd savings account, this one based in my home " market '' of NC, which allows me an " accelerated interest rate. As advised by both Citi customer service reps & the Executive Response team, yesterday I set up a Global Transfer of funds ( no fee for this ) from my original NY based " market '' to move $ $ from the lower interest savings account ( NY ) to the higher/accelerated savings account ( NC ) & received a message at end of transaction that said it had to be reviewed. When I checked on the status of this transaction today, I found my NY account blocked. I phoned Citi whose fraud team informed me that ALL Global Transfers can no longer be completed d/t high internet fraud. When I asked then why was I instructed to use this mechanism to transfers funds between Citi accounts & why is this still offered both on Citi app & website, no clear answer was provided ; Suggestion only to try a Wire transfer & pay the fee. My NY account was then un-blocked, however now my NC savings account is blocked. I then called Citi Executive Response team & opened a new case, which I'm told can take up to 15 calendar days for a response. Again, Citi is essentially withholding the higher interest rate & misleading about transactions both on website & app.
Product: Vehicle loan or lease

Social Security administration erroneously deamed me deceased. I emailed this letter from social security and a letter of explanation to Ally Auto on XX/XX/XXXX. They gave me a case number XXXX. They have no idea what Im talking about. I faxed over the same information on XX/XX/XXXX at XXXX as directed still nothing. I even mailed it to their Minnesota address. Nothing ever was done, simply ignored, no adjustments made to the account, no contact to me, no updates, just more late fees, past dues. I have made a payment at the end of XXXX, beginning of XXXX and have scheduled one for XX/XX/XXXX. In the meantime no one there knows anything, including about the case number that was given to me.
Product: Checking or savings account

My Son XXXX XXXX was involved in an accident at the age of XXXX. There was a court settlement resulting in a monetary award for XXXX which was deposited into a court restricted CD account at XXXX XXXX XXXX by the law firm that represented the insurance company. I was names conservator of XXXX estate by the court. XXXX XXXX XXXX merged with XXXX XXXX XXXX in XX/XX/XXXX. A second merger with XXXX XXXX XXXX XXXX happened in XX/XX/XXXX. A third merger to the current restricted CD account holder BMO Bank happened in XX/XX/XXXX. The court has now decided that XXXX is old enough to receive the funds with the accrued interest from BMO Bank. Over the years since the funds were deposited, I have not received any correspondence from any of the banks. After receiving a letter and court date from the XXXX Superior Court, I did some research, ( see attachments along with the Federal Reserve Release document, pages 6 & 23 ) and contacted BMO Banks XXXX XXXX at the XXXX XXXX, Arizona branch on XX/XX/XXXX. XXXX XXXX checked out our personal information and created case # XXXX. I was told the result of the search would be completed by XX/XX/XXXX. I left a message for XXXX XXXX onXX/XX/XXXX at XXXX but as of this date have heard nothing back.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 card

Hi, I have a case number with CFPB ( Case number : XXXX ). I would like CFPB to continue pursuing this case on my behalf to get a successful resolution from Discover. Thank you!
Product: Debt collection

I have contacted the purported original creditor ( XXXX XXXX  ) and the only only record of an account bearing my name, signature, and information is the one currently open and active on my credit report which is good standing and never had a late payment. 

Multiple requests for Midland funding to prove my responsibility of debt by producing signed contract for the account and they refuse to. The account is still on my credit report and they have never responded to my written requests for original documentation. 

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX mo XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This account is showing as open and they have increased the alleged debt rather than removing or producing evidence of my liability.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : ( Original Creditor : XXXX XXXX XXXX ) # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Mortgage

I 've requested a mortgage modification several time with my mortgage company, they have refused to work with me and my mortgage is adjusting out making my payment higher and higher. I got behind with my mortgage because my father was terminally ill and I wash his sole caretaker. Also my taxes and insurance are n't es crowed I need them to be included with my note. I want to keep my house.
Product: Debt collection

Portfolio recovery calls repeatedly, Monday thru Sunday and at all times of day and night. A letter to the CEO has been sent out via US mail with a non response, non response is absolvement of any obligation, silence is acquiescence/agreement/dishonor. The letter included a notice of conditional acceptance, requesting validation of the alleged debt, verification of the claim against private party in private status capacity as well as proof of claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I sent in letters disputing the inquiries, but to no avail. All they have given is excuses and the run around.
Product: Checking or savings account

My account was Hacked/scammed from fifth third bank. My savings XXXX my checking account XXXX account number XXXX as well as their credit card attached to on line banking account # XXXX XXXX XXXX XXXX over XXXX. I filed a police report with XXXX police report # XXXX. I filed with fifth third fraud department. They have been denying my claim ever since now they are messing up my credit report with their credit card which I told them I will not pay. I hired a company XXXX XXXX  to get my money back. Her name at XXXX XXXX is XXXX XXXX she tried filing this complaint on my behave # XXXX. I received a letter from you saying she filed this complaint on my behave but did not identify herself so I'm filing this complaint my self. I hope you can help me with this I'm been fighting them since XX/XX/21. They had no security in place whatsoever and let them clean out my Life 's Savings. IAll fifth third was worried about is me closing my account which I told them I will not do until I get my money back. They automatically closed account on XX/XX/21 and sent me a check for XXXX
Product: Mortgage

Shellpoint sent a letter and did not give a breakdown of the trial payment amount. How my payments from 2021 were broken down. 

In the letter, they tried to change my third trial payment from XXXX to {$1300.00}.
Product: Checking or savings account

On or about XX/XX/2021 I deposited a check from a law firm drawn off of Bank of America into my checking account. The check was # XXXX for {$4300.00}. At the time of the deposit into the ATM, Bank of America issued a receipt stating the funds would be available no later than Monday, XX/XX/2021. That same day, the Bank updated the hold date to XX/XX/2021. The Bank later restricted my account for no apparent reason, directing me to Risk Management which told me my account was scheduled to be closed because they couldnt verify my identity. I have filed a separate CFPB complaint regarding the closure of my account, which was not merited. 

First, Bank of America failed to communicate with me in anyway whatsoever that they needed to verify my identity. When I opened the account online, I submitted all my information and received a confirmation email stating it was approved. I later received my debit card in the mail. I have received nothing asking me to verify my identity otherwise I would have gladly done so. Bank of America does not use reason and cognizance when making business decisions. Without telling me what I need to do, they restricted my account. 

Additionally, the above mentioned check has now been placed on hold until XX/XX/2021 at XXXX am. Bank of America complete disregard for facts and logic is concerning. This Bank is harming innocent customers without any consequences. The check I deposited has already cleared the account it was written on and I received proof from the law firm which issued the check. The Bank is abusing its position of power, and putting consumers like me at risk. 

I will consider any and all legal options available to me to redress this situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Im sending to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 

Here are the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5800.00} According to FCRA Section 605B ( a ) the Equifax shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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
Product: Credit reporting or other personal consumer reports

I have been disputing an account with XXXX and XXXX regarding Possible Finance since XX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXX XXXX to which I never received a response. I resubmitted the disagreement because the year this account was opened, I was incarcerated with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX. My release date was XX/XX/XXXX, XXXX. I provided the release documents provided to me by the facility 's warden when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that XXXX, XXXX, and Possible Finance are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was incarcerated. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with this matter
Product: Credit reporting, credit repair services, 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. 
XXXX Accounts 1. XXXX XXXX XXXX XXXX BALANCE SHOWN : {$7300.00} 2. XXXX XXXX XXXX BALANCE SHOWN : {$11000.00} 3. XXXX XXXX XXXX BALANCE SHOWN : {$4000.00} 4. XXXX XXXX XXXX BALANCE SHOWN : {$3000.00} 5. XXXX XXXX XXXX BALANCE SHOWN : {$3500.00} 6. XXXXXXXX XXXX XXXXXXXX BALANCE SHOWN : {$2200.00} 7. XXXX XXXX. XXXX  XXXX BALANCE SHOWN : {$10000.00} 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. 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

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit card or prepaid card

This bank has continually charged a late fee on payments, made one or two days after the due date. The fees are excessive and I have tried to remedy the situation with the bank in XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 that 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.