23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX called my work and told my fellow employee, after he was told I was not there and that I can not take personal phone calls at work, that our corporate office had given him the number. I called and verified that our corporate office did not give him my work number. He called again a day or two later and asked for me even after he had been told I can not accept persona phone calls at work when he had called before. He was told I was in assisting with a XXXX and could not come to the phone. He then proceeded to ask my fellow employee if I could just come to the phone for a min. I was in a XXXX and my boss was appalled by his request. He then proceeded to lie and say that my dad had given him my work number as a contact number. My father said he never has given my work number out to anyone ever. This company is putting my job on the line and not following proper debt collection rules.
Product: Credit card or prepaid card

I first opened the XXXX XXXX account up back in XXXX of this year 2022. After giving them a {$300.00} deposit. 

After getting the the card and terms, which I was not aware of, I decided the terms was not fair. So, I decided I would close the account. 

I decided on XX/XX/2022 to finally close the account, which I never used. I spoke with Representative named XXXX on that date and told her I am closing my account. 
She said the account will close and I will receive my {$300.00} deposit in the mail to my address on file within XXXX to XXXX weeks. 

XXXX to XXXX weeks went by and I did not receive my check in the mail. 

I called them back again on XX/XX/2022 and I was transferred to multiple employees and eventually the phone was disconnected. 

I called back again on XX/XX/XXXX, and spoke first with Representative named XXXX, he said he does not have a XXXX ID. Then I asked to speak with the supervisor. I was transferred to supervisor named XXXX Representative ID XXXX. He said he does not know what happened with the check where it was and if it was even shipped to my address back from XX/XX/2022. I asked what is going on? I do not understand this process. It should not take this many attempts to get a resolution. There was a ticket number created ( ticket number XXXX ) to get down to see what is going on. I was told I would receive an email with an update within XXXX to XXXX hours. 

XXXX hours later, never received a response. I emailed them asking them where is my {$300.00} deposit? I did not receive a response back. That was XX/XX/2022. 

I called again today, Friday, XX/XX/2022 and spoke with supervisor named XXXX XXXX, Representative ID XXXX. He told me the last activity that was on the case was XX/XX/2022 waiting for a XXXX approval to issue out the refund. I received no solution again today. 

I have not ever had to report a business to an agency before. 

I do not know what is going on with that company, but it needs to investigated. 

I was told they have a lot of complaints against them.
Product: Debt collection

I had 2 accounts with Midland Credit Management , Inc. One account was roughly {$2700.00} and the other was maybe {$1200.00}. Around XXXX or XXXX of XXXX Midland turned my account over to the law firm of XXXX XXXX and XXXX XXXX proceed to file suit in the XXXX XXXX court of common pleas. I ended up settling both accounts and received correspondence from XXXX XXXX on XX/XX/XXXX that the accounts were settled in full and they are closing the files. I noticed that Midland was still reporting on my credit report but figured they would fall off. When they did not I disputed and LOST with Midland claiming that what they were reporting was correct and I owed them money. Fast forward to XX/XX/XXXX and me and my husband are trying to get a home equity lone and Midland is still reporting. I went to Midlands website and they are showing I owe on both accounts and even accepted payment for one of the accounts. They are illegally collecting on a debt that was resolved almost a year and a half ago. I called to have the payment reversed and was basically told there was nothing they could do on there end so I had to dispute the charge with my bank. I am furious because this mess up on their end is hindering me and my husband from receiving another loan.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX  XXXX continues to report a balance on an account that they have sold to XXXX XXXX XXXX, XXXX ( " XXXX, XXXX '' ). According to the Fair Credit Reporting Act ( FCRA ) and guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), when an account is sold, the original creditor is required to update the account to reflect a {$0.00} balance and indicate that it has been transferred. However, XXXX XXXX has failed to update this information, resulting in inaccurate and misleading reporting on my credit report. 

Despite my efforts to dispute this with both XXXX XXXX and Experian, the inaccurate information remains. Experian has failed to perform due diligence in ensuring the accuracy of the information they are reporting, which is a clear violation of the FCRAs accuracy requirements. This ongoing incorrect reporting is damaging my XXXX XXXX, and I am seeking the CFPBs intervention to correct this issue and hold the responsible parties accountable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Re : Account Number XXXX To whom it may concern, I am writing in regard to the ( account number ) on my credit report that has been reported as charged off. I dispute this information as I believe that it is not in compliance with Metro 2 credit reporting guidelines.

According to Metro 2 compliance guidelines, a charged-off account can only be reported as such if it is 180 days past due. This means that the account must be six months delinquent before it can be reported as charged off. However, my account was reported as charged off before it reached the 180-day delinquency period. Furthermore, Metro 2 also requires that the date of first delinquency ( DFD ) be accurately reported to credit reporting agencies. The DFD is the date when the account first became delinq
uent, and it must be reported accurately to ensure compliance with the Fair Credit Reporting Act. I have reason to believe that the DFD on my account has been inaccurately reported.

I request that you investigate this matter and provide me with documentation showing that my account was reported in compliance with Metro 2 guidelines. If you can not provide this documentation, I request that you remove the charged-off status from my account and update my credit report accordingly.

Please note that failure to comply with Metro 2 guidelines could result in legal action, including a complaint to the Consumer Financial Protection Bureau.

AND IT ILLEGAL TO PUT THIS INFO ON MY CREDIT REPORT MY METRO REPORT BY THE BLACK LAW DICTIONARY ILLEGAL MEAN NOT AUTHORIZE BY LAW, UNLAWFUL, CONTRARY TO LAW The resolution of this matter now rests with your bureau. I urge you to take appropriate and immediate action. 
Thank you for your attention to this matter. 

Best Regards, XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX - Noticed a pending fraudulent transaction while reviewing my account disputed the transaction with Chase for {$2600.00} and onward until the new card was issued. 

The claim was pending and eventually was denied. Chase reported to me that the claim was denied due to them not being able to recover the funds and also prove the fraudulency. I advised them that I did everything on my end, starting with notifying them on the XXXX after the {$300.00} charge from XXXX smile and giving times and any information I could to help the case. 

Chase violates their own terms of service, which is their : XXXX XXXX XXXX You wont be held responsible for unauthorized charges made with your card or account information.

As well as the Electronic Fund Transfer Act ( EFTA ). If the consumer reports the loss or theft after someone used it, his or her maximum liability depends on when he or she reports it. If the report is within two days of learning of the loss or theft, the consumers is not liable.

I have done everything on my part and notified them in a timely manner however they are refusing my claim and asking for evidence that no account holder could reasonably have. They have stated that there are inconsistencies in my claim stating that I was aware on the XXXX which is inaccurate and also that only the claim for {$2600.00} was put through this is also inaccurate as I notified them all transactions after the XXXX smile were fradulent. 

Here is the call history I have, I have spoken to more supervisors than these and they all consistently are saying the same thing and when I continue to fight my case they hang up on me. 

XX/XX/XXXX - Spoke to XXXX XXXX XXXX Spoke to a gentleman with Chase XXXX Spoke to XXXX XXXX XXXX Spoke to XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8900.00}
Product: Mortgage

I have submitted various complaint on a problem I am having with my mortgage company and up until today they have not given me a glimmer of hope as to what they will be helping me stay with my home, at this moment I have no idea what I 'm going to do I am in total disbelief that there is n't someone higher then them to help me out, Once again I was under the impression that if they would n't give me a solution you 's would help me get to the main source, I have a foreclosure date of XX/XX/2016 what am I going to do, I received a call from a XXXX XXXX were he told me that nothing can be done because the foreclosure day was going to be soon and they did n't have time to start the paper work this was Monday XXXX/XXXX/16 and you tell me that from then until XX/XX/XXXX there is n't any time or is it that he does n't want to help I told him I was going to see what can be done and without any further word he just hung up and that 's it. I do n't want to continue complaining to you. Please help me find a solution to this because I 'm at a point that I think I 'm going to go crazy. Once again thank you and I hope something can be done.
Product: Mortgage

We had a problem with our payments last year and asked for help, but we were constantly transferred to different departments within the company, and none of our issues were ever resolved. We also had a three-way call with our insurance advisor and XXXX XXXX customer service to try to resolve the situation with her assistance, but we were still unable to fix everything. Eventually, we gave up on some issues and settled based on their only acknowledgment, an escrow surplus they said we had. We were told a check would arrive in the mail, but that never happened.
Product: Credit reporting or other personal consumer reports

I do not own these debts and have have submitted an identity theft claim Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 set up direct deposit of my XXXX XXXX  Payment with XXXX XXXX for the first time. This was to start XX/XX/XXXXand I advised them of same. Approx 2 weeks prior, I updated my address, went in person with my lease etc.. On XX/XX/XXXX I saw the deposit. The morning of XX/XX/XXXX I called to verify its availaby. I was told check back at XXXX XXXX  and XXXX XXXX. BetweenXX/XX/XXXX-XX/XX/XXXXI called 9 times. I was barred from the online access so could not view the pending deposit. After the 3rd or 4tth call, I was told YOUR ACCOUNT IS SHUT DOWN FOR REVIEW. YOU HAVE NO ACCESS TO ANY MONEY, ONLINE ACCOUNT, DEBIT CARD. ETC. They said probably til Monday XX/XX/XXXX. I said who will I speak to MONDAY ABOUT THIS? I was told that a XXXX XXXX  froze my account. I advised XXXX XXXX  employees over and over that I was XXXX live alone with my dog, had no food for either of us, no medication, missed doctor appointment, no gas. I finally went in person to XXXX XXXXXX/XX/XXXX approx XXXX XXXX. I was turned away, told I HAD TO HAVE AN APPOINTMENT. Late in the day XX/XX/XXXX I Received Checks for this account. I went to the pharmacy, wrote a check for {$12.00} for XXXX as Id been ill 2 weeks. The check went through. I then proceeded to get a few groceries ( extremely extremely hard for me due to pain ). I wrote a 2nd check for the food. I was told the check was declined. The mngr called to question what happened and the person stated her bank is declining the check. I was forced to leave all my food and dog food there, leave the XXXX there, and ask for my {$12.00} back, which I received. I had only that to get food for myself and dog, and gas. Needless to say, we are starving still today XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account, XXXX XXXXXXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I rented an apartment where I needed a LANDLINE for " work from home '' purpose. The XXXX XXXX XXXX field tech did not want to install a line from the pole to the building, Stating it was OLD technology and I SHOULD be using the DSL line option. Field tech left and NEVER installed / established services for this account. But XXXX XXXX XXXX did generate a bill that service was done. I called and had no luck with the rude XXXX XXXX XXXX service reps. Stated they only go with what their system says.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in an identity theft incident and XXXX  DATA BREACH. I Have attached proof that this breach has caused harm to me. To my surprise, the criminals opened up accounts in my name that was never authorized by me. Please note that I provided the credit bureaus with the police report and the proof of my identity theft as well as proof directly from XXXX   that I was involved in the data breach which lead to my identity theft case. to no avail they refused to block the accounts temporarily while investigation which I know will be permanately removed. This is very frustrating and violates my consumer rights. Please don't say that you are still investigating because you have already passed the investigation time line.
Product: Checking or savings account

Please refer to prior complain which has the following resolution. Please expedite this complaint. 

XXXX. Documents available. 

Company 's Response We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal. We received your altered check claim for {$4200.00}. We received a completed affidavit, but the required documentation was not completed correctly and the claim was closed. We received the completed required documentation from you on XX/XX/2023, and we reopened the claim. On XX/XX/XXXX, we sent the altered check claim to the bank of first deposit ( BOFD ), Bank of America. This type of claim can take 90 to 120 business days from date of first contact or more as we are dependent on the BOFD to do their research and give us the funds to reimburse the account or documents stating that they did negotiate the check properly. At this time, all major banks are delayed in responding to these cases so it is possible it may take longer than anticipated to receive a response on this matter. Your claim is still under review and we will contact you when the claim decision has been finalized. We respectfully decline your request for a refund. The funds are only returned if we recover them from the BOFD. You also have the option to resolve this matter outside of XXXX. We apologize for the inconvenience this matter has caused you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights ot privacy and confidentiality under 15 USC 1681. 
1. XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States Ihave the right ot 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. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 3XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave 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.

Delete this account immediately, unless you want to be held {$1000.00} per violation 4.XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States Ihave 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.

Please delete late payments immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to lodge a formal complaint regarding the persistently inaccurate information on my credit reports across all three major credit bureaus. Despite my previous attempts to rectify these discrepancies, my credit history continues to be misrepresented. I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the necessary actions are taken to resolve this matter promptly.

As an identity fraud victim, I have diligently followed the necessary procedures to report the fraudulent activities to the Federal Trade Commission ( FTC ) and have submitted the required FTC Fraud Victim Affidavit. Despite these efforts, the credit bureaus, including TransUnion, have failed to correct the inaccuracies that continue to plague my credit reports.

It is disheartening to see the impact of these errors on my financial reputation and creditworthiness. Therefore, I implore the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their failure to rectify the situation. I have included the supporting documentation, including copies of the FTC Fraud Victim Affidavit and any relevant police reports, to substantiate my claims and facilitate the resolution process.

The credit reporting system plays a crucial role in our financial lives, and accurate reporting is vital for maintaining transparency and fairness. By addressing the ongoing inaccuracies and ensuring that the credit bureaus fulfill their responsibilities, the CFPB can help restore confidence in the integrity of credit reporting.

I kindly request that the CFPB communicates with the credit bureaus, including TransUnion, to rectify the errors promptly. I also ask to be kept informed of the progress made in resolving this matter. Your intervention is greatly appreciated, as it will enable me to regain control over my credit history and restore my financial well-being.

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to address these concerns and advocate for a fair and accurate credit reporting system.