23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX 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: Debt collection

Midland Funding continues to report a duplicate account to all of the credit reporting agencies despite my efforts to get them to validate this debt. The original creditor is showing on my credit report and so is Midland. When I learned of Midland I asked them to validate the debt and they did not respond. This is a violation of FDCPA 809 ( b ). Since they refused to respond to my request for validation I disputed it directly with them and they ignored that and did not report that I had disputed it to the credit reporting agencies. That is a violation of FDCPA 807 ( 8 ). Basically Midland Funding is employing every predatory tactic there is to collect a debt that is beyond the statute of limitations. They also re-aged the account on the credit report. That is a violation of FCRA 605 ( c ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madaam Capital One is showing up as an open account thats been paid off and been closed iThis account was suppose to be removed from my credit report XX/XX/XXXX Ive contacted Capital One on several occasions I even was sent a letter last year that it would be removed and it s not as of this date. My social security number was found on the Dark Web since XXXX I also had a hacker by the name of XXXX XXXX in my credit file 2 years ago and some of this person s information is still in some of my credit reports Thank you Sincerely XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX Virginia charges a XXXX XXXX interest rate on my title loan. This is insane! I've had the loan only 2 months. The principle amount is only {$2000.00}. I will NEVER pay this off at XXXX XXXX. 

Consumers need to be protected. Shut down XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been several attempts for procollect Inc to validate a debt they stated was mine. I have tried many attempts to get procollect to validate this debt by sending validation letters directly to them since XXXX2020. I have also sent all three credit bureaus certified receipts and letters that I have sent them and only XXXX  has been removed off my credit report. I have sent certified return receipt every time and pro collect still has not responded or removed it from my credit reports. I also hired XXXX XXXX after not getting anywhere and they stated they have not had a response from procollect Inc either since there attempts since XX/XX/2020 2020
Product: Consumer Loan

I traded in my XXXX to XXXX XXXX financed by 3 months before the termination of my lease and purchased a XX/XX/XXXX Escalade with 0 % financing. 4 weeks later I had to turn in the XX/XX/XXXX Escalade as the dealership had made a mistake by offering 0 % financing on a XX/XX/XXXX I turned the car in and they replaced it with a XX/XX/XXXX XXXX which I have today and is being financed with Ally. 
I turned the Hummer in early ( 3 months ) at the request of the dealership as they told me GMAC ( purchased by Ally ) had a promotion where I could terminate the lease early as long as I was purchasing another vehicle financed by GMAC. This is what I did. It appears the dealership never turned in the proper paperwork. It took me 2 years to straighten out as the GM who handled the deal, had left the dealership. They finally admitted their error and paid off the remaining outstanding balance.However Ally has reported this transaction to the credit bureau as late and a write-off which is just not the case. This reporting has had an adverse effect on my credit rating and has impacted my line of credit.
Product: Credit card or prepaid card

I used my prepaid ( Card.com ) card to pay a third party ( XXXX XXXX ) via money transfer ( XXXX ). The transaction took place XX/XX/2022 for the total amount of {$84.00}. Expecting the money to be applied to the XXXX account appropriately, I waited for it to post to the account. 3 weeks to a month later ( on XXXX about XX/XX/2022 ), is when I was informed the XXXX account had been closed. At this point I was in wait for the refund and once XXXX released the funds back to XXXX, i should have been able to get my money back from them. XXXX was not being forthcoming with info on how to retrieve the money, so I them filed a dispute with Card.com. At this point I have tried to reopen the dispute thru Card.com. I repeatedly bounced back and forth between Card.com and XXXX. I simply want back my funds. And truth be told, XXXX should be the entity to process the refund, but several reps stated that because I filed a dispute, with the bank to my prepaid card, I would have to address them.
Product: Credit card

Bank of America filed a dispute for what I considered a fraudulent transaction charge on XX/XX/year> from XXXX a national and international company. The phone number associated with that charge was a disconnected number. I mistakenly thought that an international company would not be deceiving with a disconnected phone number. Neither the bank or XXXX provide a correct phone number so I resubmitted my claim for over {$670.00}. After several months BoA said that they received documentation of the charge and what it was for. They said it would be mailed and couldn't email it. That took even more time. In XXXX I found out it was for an automatic billing following a free trial from a year or XXXX ago that is automatic if it isn't cancelled. Despite that fact that I requested it be reversed in XXXX, they claim that I can receive NO reimbursement because the XXXX attempt to cancel and reverse the charge was not formally to XXXX but through my bank. Because it has taken until XXXX to find out why it was charged and resubmitted through BoA as a dispute instead of fraud, I have been informed this week that BoA combined with XXXX will not return any of the charge that I found out in an XX/XX/XXXX letter from BoA, that the charge was an automatic charge for a " Premium Subscription ''. I didn't know I had this " XXXX Subscription '' and apparently didn't cancel it after trying it a year or XXXX ago. I am certain I am not alone in being tricked with this bait and switch but I expected my bank to protect me since they listed the phony disconnected phone number that kept me from contacting the company directly. The bank would never divulge the correct phone number that they said was exclusive to the bank, but not the customer. At the least, I should be entitled to a pro-rated refund from when the Bank first sent my request when I listed it as a fraudulent transaction and a phone disconnected phone number. That certainly confirmed that I didn't want what they were selling whatever it was. It took longer that 60 days to find out what it was and the bank would not or could not provide documentation for months that it was a subscription. In essence, they colluded with XXXX to steal almost {$670.00} through my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted several financial accounts to EARLY WARNING SERVICES , LLC. Early Warning Services HAS INFORMED ME THAT some banks or financial institutions have answered my disputes REMOVING THEIR REPORTS. HOWEVER, EARLY WARNING SERVICES , LLC DOES NOT WANT TO PROVIDE ME THE RELEASE LETTERS. This morning XX/XX/2021, I made an appoinment with XXXX, who is an employee in that business for tomorrow XX/XX/XXXX at noon. This afternoon, XX/XX/2021, I was informed by phone that THERE IS ANY APPOINTMENT FOR TOMORROW, AND THAT I AM NOT ALLOW TO GO TO PICK MY LETTERS UP IN THAT BUSINESS. IN SHORT, EARLY WARNING SERVICES , LLC DOES NOT WANT TO PROVIDE ME THE RELEASE LETTERS FROM XXXX XXXX, XXXX XXXX, XXXX XXXX  ( TWO ACCOUNTS ), SO FAR. EARLY WARNING IS RETAINING ILLEGALLY THESE BANKS RELEASE LETTERS THAT HAVE BEEN SENT TO EARLY WARNING SERVICES SINCE ALMOST ONE MONTH AGO. I AM AFRAID EARLY WARNING IS PLANNING TO CONTINUE REPORTING THOSE ACCOUNTS ILLEGALLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts doesn't belongs to me. 

XXXX XXXX XXXX # XXXX XXXX
Product: Student loan

I filed my employer certification with MyFedLoan and got my 120 payments certified. 

A week later, I received a rejection letter on XX/XX/XXXX, stating I didnt certify I was employed this monthwhich had been certified on the same form they approved, and the basis for my hitting 120 in the first place. 

I contacted customer service multiple times and they said my application was rejected in error but there is " nothing they can do. '' Another customer service representative lied and told me federal law prohibits them from telling me where I am in the application process or why I was rejected. 

To make matters even more frustrating, they sent me a letter on XX/XX/XXXX, notifying me that I should apply since I am already eligible for forgiveness. When I contacted them to apply again... .they once again told me that they are still processing my rejection and to check back in 6 months to a year. 

I can not remain in my job for 6 months to a year while they process my loan discharge. I was guaranteed discharge in my promissory note and have fully satisfied all conditions. 

My employer is " the government '' ( XXXX XXXX in the State of Texas ) and no other issues exist on my account. I even used the official PSLF tool and had multiple MyFedLoan represenatives state they aren't sure why I wasn't immediately processed for full forgiveness. 

I believe that this can't be mere negligence and there must be an organized effort inside the organization to reject these applications. No other explanation would suffice to explain the lengths they have gone to block the discharge of PSLF-complying loans.
Product: Debt collection

I want to try again to make paypal understand why i think there is something wrong in the process of the amount that they are sayin i owe. this is in regards to the case no. XXXX that you have closed but i wanted to add something else becasue i dont get why paypal honored a debt to XXXX if my bank rejected the payment everysingle time. Isn't paypal in the middle and only f the bank aproves the payments than paypal honors it to the third party. 

I am very confused and in disbelief with both XXXX  and paypal. XXXX for not having refund policies of something as expensive as a XXXX XXXX dollar domain which i though was for XXXX dollars. in whos mind can a simple domain... not a recognized brand or anthing like this can cost XXXX XXXX dollars. I called immediatley as soon as i realized my mistake, not even XXXX minutes had gone by. 

then i called PayPal and then since i dont have this amount of money my banck rejected the funds. now i have a debt with paypal, don't even have the domain from XXXX which i dont want either way but if i dont have the product how can i have the debt? Why did paypal honor this payment to godaddy if the bank rejected the payment every time? one uses paypal to use more security measures and not all the contrary. 

thank you for your understanding. 

XXXX.
Product: Credit card or prepaid card

At XXXX on XX/XX/23 my Bank of America credit card ( Customized Cash Rewards Visa Signature ) was fraudulently used at the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX to make two purchases. The first for {$2000.00} which was declined and the second for {$4400.00} which was approved by the merchant. Ive filed a fraud dispute for both transactions with Bank of America support but only the first transaction for {$2000.00} was approved, and they have declined and tried to charge me for the second fraudulent purchase for {$4400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX & XXXX of 2019, XXXX XXXX Bank stated they did not receive a payment from me, with the two credit cards I had with the company and that information is inaccurate, payment has always be made to the company. Late payment ( s ) was reported to the credit bureaus, Equifax shows account was paid as agreed, but on other credit applications that use Equifax, shows negative information was placed on the two accounts that I had with XXXX  XXXX, Equifax credit report shows no late payments so I am requesting this negative information be removed from XXXX, XXXX, Equifax as well due to inaccurate information being placed on my credit reports. Late payments being reported and this information needs to be corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is refusing to block fraudulent tradelines appearing on my credit report in violation if FCRA 605 ( b ). I have sent the required documents as described in the aforementioned law, Transunion has no evidence  to refuse a block under said law, and and it has been longer than the 4 day time-frame in which a block is required to be implemented by law. Transunion is now in willful noncompliance with the FCRA, and is subject to the penalties described in 15 U.S.C. 1681n. 

It is shocking and appalling that a supposed reputable company operating within the United States would conduct itself in an overtly illegal manner as if it were not bound by federal law. Transunion must block the fraudulent accounts that appear on my credit report lest they wish to face a lawsuit.
Product: Debt collection

XXXX XXXX XXXX -I was never notified of the remaining balance for {$840.00}. I never received any letters or documents of the balance. ( Sunrise credit services has taken over the account now it is showing I owe this balance ). 

According to FCRA XXXX XXXX, it is illegal to report any info on my credit report without my permission.
Product: Credit card

On XX/XX/XXXX and XX/XX/XXXX, I had payments to this credit card returned due to insufficient balance on the originating account, as I have multiple bank accounts with varying balances. I quickly resolved both by sending payments from alternate accounts before any late fees incurred. Without any prior notice, on XX/XX/XXXX, credit karma informed me that the account had been closed. My balance was XXXX at the time of closure. In the mail yesterday I received a letter that said it was closed due to the number of dishonored payments on this account. I believe I should have received a warning before this action was taken, especially as I immediately corrected both errors and was never delinquent. I have a very high credit score and have always been a responsible credit holder, it should be clear that these XXXX errors arent indicative of intent to refuse payment later. I have a steady income that I can prove. This surprise closure has resulted in a severe credit score drop not proportionate to the issue at hand, and I would greatly appreciate if steps could be taken to reopen the account.
Product: Debt collection

Resurgent Capital Services continues to repeatedly call numerous times a day and back to back. Today, they called three times within 5 minutes. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent letters to Equifax asking them to investigate an account from XXXX XXXX XXXX, as of XX/XX/XXXX, they failed to respond to my request as to how they verified this account. 

Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this tradeline be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when this account allegedly became delinquent, and specifically when it will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?
Product: Credit card or prepaid card

On Monday XXXX, 2023 I received a letter from Chase Bank to verify if it was me who apply for a Chase Sapphire Visa Signature account with my name and social security. I did not apply for a account with them and/or with any other bank. I called the number from the letter ( XXXX ) and reported this application as a fraud. The bank representative said they were canceling the application. The application reference number is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, TX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Tx XXXX Current Employer : XXXX  XXXX XXXX XXXX  I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Checking or savings account

Applied for new account, denied. 

Generic email sent with no explanation as to why I was denied. 

Application ID : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to demand a detailed explanation of the so-called investigation process you undertook concerning the XXXX account listed on my credit report. Your response to my previous dispute was wholly inadequate, and I insist on a comprehensive description of how you conducted your investigation into this erroneous entry. 

Specifically, I require the following information : Method of Investigation : A detailed account of the steps you took to investigate this dispute, including the specific methods used to verify the information provided by XXXX. 

Correspondence : Copies of all communications between XXXX and XXXX regarding my dispute, including any documents XXXX provided to substantiate the debt. 

Verification of Accuracy : A clear explanation of how you verified the accuracy of the information reported by XXXX. Include the name and contact information of the individual or department at XXXX who verified the information. 

Investigation Timeline : The exact timeline of the investigation process, including dates of all actions taken by XXXX and any responses received from XXXX. 

Compliance with FCRA : An explanation of how your investigation process complies with the Fair Credit Reporting Act ( FCRA ), specifically how you ensured that all information provided by XXXX was accurate and complete. 

Your failure to properly investigate and verify the disputed information on my credit report is unacceptable. If you can not provide a thorough and satisfactory response to this letter within 15 days, I will consider pursuing legal action for your failure to comply with the FCRA. 

I expect an immediate and comprehensive response to this letter. It is your legal obligation to ensure the accuracy of the information reported on my credit file, and I will not tolerate any negligence in fulfilling this duty.