23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MIDLAND CREDIT MANAGEMENT INC. and attorneys et all. fraudulently created a security bond without disclosure or my consent. MIDLAND CREDI MANAGERMENT mailed a document dated XX/XX/XXXX, postmarked XX/XX/XXXX, and was received by me on XX/XX/XXXX requesting response 30 days from the date in the document. Despite only allowing for n official response in 15 days, per the request, an unrebutted response was mailed to MIDLAND CREDIT MANAGEMENT XX/XX/XXXX, and arrives at the po box on XX/XX/XXXX. XXXX XXXX has no wet signature contract with MIDLAND CREDIT MANAGEMENT, therefore, no debt owed. MIDLAND CREDIT MANAGEMENT has violated ( 17 C.F.R. 205, 18 U.S.C. 8, 12 U.S.C. 1955, 12 U.S.C. 1957, 15 U.S.C.77K, 15 U.S.C . 77w, 15 U.S.C 77x, 15 U.S.C. 77y, 15 U.S.C. 77q, 18 U.S.C. Ch 47, 18 U.S.C. 1911, 18 U.S.C. 1953, 18 U.S.C. 1957, 18 U.S.C. 1962, 18 U.S.C. 1963, 18 U.S.C. 2073, RICO Act, FCRA, FOIA, Securities Exchange Act of 1933, Securities Exchange Act of 1934, 15 U.S.C 1631, 15 U.S.C. 1637a ) among others. I will also be contacting the Texas Attorney General, the Securities Exchange Commission, State Bar of Texas as well
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX, has violated my rights. 

Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX, has violated my rights. 

Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, has violated my rights. 

Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, has violated my rights. 

Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX, has violated my rights. 

Account name : # XXXX, Account name : XXXX XXXX has violated my rights. 

Account name : # XXXX, Account name : XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I applied for a car loan from XXXX XXXX XXXX. Checking multiple sources my credit scores were on average about 690. I was denied from the XXXX which surprised me. I recently received the denial letter and it shows they reported my score at a 618. There were articles that Equifax confirmed they were sending out incorrect scores to lenders and I believe this is still ongoing as this score does not reflect where I am today. They are still causing people to suffer due to their inability to correctly provide credit info to lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

What does following the law to your company mean to you? You are suppose to protect me as a consumer but instead your are treating me like the villan. I am a victim of identity theft and I have for the last couple weeks have been giving all the information needed for you to help me resolve the matter. You have responded with laws from the FCRA but you are misusing them. You must study the law and come to the realization that you are wrong. According to the FCRA you must have a valid submission/statement from all parties involve in the matter of this investigation. Since we don't know who cause this horrific crime on my report. There is no evidence for these accounts to stay on my report. The data furnishers can not validate the debt because my information is ofcourse going to be the same because my identity was stolen. According to the FCRA U.S Code 1681c-2 you have to Block information resulting into identity theft within 4 days of receipt. You can not reasonably validate these accounts there is no way to justify this. Protect me and protect my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2017 {$500.00} I have filed a dispute with XXXX XXXX XXXX to verify because no contract was signed they sent back it was verified with no proof
Product: Vehicle loan or lease

Toyota Motor Credit knowingly allowed me to qualify for both a new vehicle loan and new vehicle lease on the same day even though my income was couldve warranted credit denial.

Based on this deceptive business practice and willful disregard for ability to pay, my vehicle lease ended in repossession and deficiency balance being reported against me. 

I was XXXX  hospitalized and military XXXX XXXXXXXX and as XXXX, I also never received any notices from Toyota Motor Credit.
Product: Credit card

Hi my name is XXXX XXXX XXXX and i am submitting this complaint personally. TransUnion has a recent unauthorized inquiry on my credit report that is hurting my score and profile. I have mailed in complaints and also called to speak to representatives and they continue to place me on hold for hours with no results. This inquiry has dropped my score XXXX points and his is hurting me as i am looking to get an auto loan next month. This may make chances hard for approval as i need my automobile to drive my family. Please help me. I have no luck with TransUnion they ARE NOT RESPONSIVE and they are NOT trying to help me with this unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a high credit score. I have debt. When I asked my own XXXX XXXX for a mortgage loan they refused stating TRANSUNION said I have a XXXX score AND credit limits are too high, AND length of time accounts have been established. I have had all my accounts for over 10 YEARS. I have ZERO debt. TRANSUNION is FALSLY reporting on people so they HAVE TO call them to find out why they are making false reports ; when you call its so they REPEATEDLY try to sell you " extra protection and monitoring ''!!!! No other reason and they do NOT correct anything. This is UNLAWFUL and they should be shut down and sued.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information reported by XXXX XXXX on my credit report, specifically regarding the account with the account number XXXX. According to my records and my understanding of my financial obligations, there are significant inaccuracies in the way this account is being reported. 

XXXX XXXX has reported this account as a " charge-off, '' indicating that they have written off the debt as uncollectible. However, the account is still being reported with a balance, which is not in alignment with the definition of a charge-off. A charge-off typically implies that the debt has been deemed uncollectible and has been closed or settled. 

I am formally requesting that the reported account be immediately deleted from my credit report for the following reasons : Inaccuracy of Reporting : As per the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information to credit reporting agencies. Reporting a charge-off account with an outstanding balance is misleading and does not accurately reflect the current status of the debt. 
Violation of FCRA : The reporting of this account with an outstanding balance may be in violation of the FCRA, which requires that information reported to credit bureaus is both accurate and complete. Inaccurate reporting can have a significant adverse impact on my creditworthiness.

Impact on Credit Score : The inaccurate reporting of this account negatively affects my credit score, making it difficult for me to secure credit, obtain favorable interest rates, or access various financial opportunities. 

I kindly request that you investigate this matter promptly and remove the inaccurately reported account from my credit report. Please provide written confirmation of the deletion to my address mentioned above. 

Additionally, I request that you notify XXXX XXXX of my dispute and request that they update their reporting to accurately reflect the status of the account as a charge-off with a XXXX balance. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute. Please find enclosed copies of relevant documents that support my claim.
Product: Payday loan, title loan, or personal loan

I sent two letters stating i revoked my authorization for them to take money from my account.I informed them I would make my own repayment arrangements. The money was to be taken on the XXXX of XXXX, 2019. The letters were sent on the XXXX and the XXXX. There was no response. They took the {$150.00} anyway from my checking account.It is very difficult to get them on the phone and they dont respond to emails. 

They took my money from my bank account without my authorization,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Product: Credit reporting or other personal consumer reports

Equifax is continuing to break the law by giving incomplete and misleading information by reporting incorrect data. Ive Tried numerous time to get this issue resolved. The information is clearly Wrong and I believe that their response is automated generated, and no one is truly investigating the problem Also, I asked For Equifax to investigate the Because I believe that its it is incorrect and should not be on my credit report at all I can show proof to show that this company is showing incorrect and misleading remarks I will upload to show my proof of what is being reported on my credit report and you will see for yourself that the information is misleading
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous XXXX XXXX  and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Student loan

XXXX XXXX XXXX XXXX campus is closed and has been closed since 2019 I believe. I was making monthly payments to pay towards a A loan and a B loan, the agency that was handling their accounts ( ECSI ) stated that they would no longer be accepting payments due to XXXX XXXX closing! Forbearance could not be processed because the school was closed! ECSI, has now began to report negatively to my credit when I have disputed the balances they come back as reported correct when there is no way it can be verified because XXXX XXXX XXXX  XXXX is closed.
Product: Credit reporting or other personal consumer reports

For the last couple of years, I have been trying to cash checks that have guaranteed funds such as government checks. This company named Certegy uses my credit reporting information and gives an instant reply to businesses, such as XXXX to let them know whether or not they can cash the check. I have tried to get a hold of this company to wipe out all information, but there is no way to contact them and the only thing they give you is a free report. This company is not a credit reporting agency. They are not reporting any kind of credit or issue with the credit. The only thing that theyre reporting is things that they have not cashed at the business that the business uses them. I have tried to cash US treasury tracks and been denied because of the credit reporting that theyre doing. The free report that I was given the only thing on it showed was checks that I tried to cash with them and they denied. There is no other credit reporting on there and they continue to deny me allowing me to cash checks at the businesses that they deal with. There is no way to get a hold of him to change anything and also no way to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

you guy have been giving me hard ship for a long time now I been nice and asking you to fix my scores and put the right information on my cridit report all this time have a dead ss number costed me life struggles hard ship I'm not dead other people mest up my reports and your workers incompetents you people realy no how to mess up lives I'm not dead or anything like that fox it I all ready called a lawyer fax it
Product: Credit card or prepaid card

I applied for and received a Chase Freedom Unlimited credit card on XXXX 2022. Their website offered a {$200.00} cashback if {$500.00} were spent in the first 3 months after it was received, among other rewards. I had spent {$590.00} in XX/XX/2022. After not receiving the cashback reward, I called customer service, who told me that most of my rewards were not " approved '' for my card. The customer service representative told me specifically that there is no way to get these rewards approved, and that I could have only known about which rewards I was approved for by calling them with a card already activated. 

The website URL below has all the cash rewards offered, and it hasn't changed at all since I applied back in XXXX. The representative said my only reward was a 1.5 % cashback on all rewards, limited to 20,000 points. 

https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Prepaid card

I stayed in a hotel on XXXX, XXXX & XX/XX/year>. For each date, a hold was placed on my funds which covered the cost of the hotel stay plus a deposit for incidentals. At the end of each stay, the hotel placed a charge on my account, for the stay plus any incidentials and released the previous hold on the fund for the stay. I contacted Cash App concerning releasing the holds for the hotel stays and was told that since the hotel had made a charge against the hold, they could not release the hold until the charge against the hold was processed. Further they told me it could take up to XXXX  days to complete. After about XXXX weeks, I contacted Cash App again about the XXXX holds. I pointed out to the representative that a previous representative told me Cash App had received the final charges from the hotel and asked why it is taking so long for them to process the charges and release the overage back into my account, but did not get an answer to that question. 

It is now over XXXX weeks since the holds were placed on my account. What this is looking like to me is, Cash App is sitting on the money that they have a hold on, instead of paying the hotel and refunding the overage to my account. I have never seen anything like this before. Normally, funds with a hold on them are released after XXXX days or as soon as a charge is made against them, if prior to XXXX days. Cash App has had the hold on the funds and charges against those holds for XXXX weeks now. All I can think is Cash App has invested my money for XXXX days, in order to collect interest on my money, and they are not paying me anything for using my money. Cash App will continue doing this until the XXXX  days is up and then settle the transaction, since after XXXX  days they would probably get in trouble.
Product: Vehicle loan or lease

Purchased a vehicle thru Credit Acceptance, Payments on the XXXX of the month, once i found this out I called them and told them I need payments on the XXXX of the month. They refused the change of date. I found out several months later that they were charging me late fees every month. Called and spoke again with them about the late fees and they told me to add in the late fee each month in which I did, after a few months they demanded the payments be made of the back fees plus keep my payments up. I told them I could not afford to send them XXXX dollars in late fees plus the monthly payments. They said turn the vehicle in and I did as they asked. Now my credit report states that I owe what I paid for the car after 2 years of payments. They are a preditor company, they would not work with me at all. All I expect is the truth in the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal XXXX  regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Checking or savings account

The first problem I had is that I hired a lawyer using my Paypal debit Mastercard on XX/XX/2019. I paid the lawyer {$350.00}. The lawyer did not perform any services and I requested a refund multiple times by phone and through email, but my contacts were ignored. 

That's not why I am contacting the CFPB. I tried to dispute the debit card transaction through Paypal. It was my only way to try and get a refund after the lawyer refused to provide the refund. I submitted the dispute to Paypal on XX/XX/2019. At that time, I had already done everything I could to get a refund from the lawyer. Paypal kept saying they were reviewing my case, which I outlined all the times I tried to contact the lawyer by phone and I provided them with the emails I sent requesting a refund from the lawyer, showing that I did everything I could to solve the problem. Paypal reviewed the dispute and refused to even try and get my money back. The case was denied through them on XX/XX/XXXX. I could not prove a negative, which was the fact that the lawyer would not refund the money. I had called Paypal multiple times between XX/XX/XXXX and XX/XX/XXXX. They did not seem to understand the problem or want to help me dispute the transaction. 

What frustrates me is that the dispute is actually handled through Mastercard, so Paypal really didn't have to do anything but submit my dispute to Mastercard. They refused to do that and denied my case. So Now I have lost {$350.00} for services that were not performed by the lawyer and Paypal refuses to do anything to rectify my dispute.

I actually paid the lawyer using 2 payment methods. The other payment was for {$400.00}. I paid them using my Visa debit card issued by my bank. After I submitted the dispute to my bank, I received a credit for the amount 7 days later while the dispute was being worked on ( that dispute is still in process ). So not only did the other bank actually submit my dispute for processing, they actually gave me a credit in the meantime.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX for the amount of {$780.00} reporting on my credit. This is a fraudulent account and I did a FTC report. Please review and remove this account as soon as possible.