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

Midland Credit Management : This company has been reporting a collection account which i have sent multiple dispute letters, validation requests, original conracts between this company and myself, proof of alleged debt, cease and decist of all comunications.. the company has failed to provide any relevant documentation reguarding my requests, it contionues to report negative information damaging my credit score resulting in denials to credit applications. niether Midland or any of the 3 major CRA 's are properly handling my disputes, they are continuing to violate my rights and damage the financial welbeing of my family and myself. i have brought my complaint to the CFPB more than once now, why is the CFPB not taking this more serious? I was under the impression that the CFPB would address this matter with urgency and stop these companies from doing further damage? Midland Credit Management, XXXX, XXXX and XXXX have all been notified of my concerns and have neglected to correct the inaccuracies!
Product: Credit reporting or other personal consumer reports

I dispute the validity of this debt and have reason to believe that the reported information does not accurately reflect the situation. Under 15 U.S.C. 1692c, I am exercising my rights to ensure that I am not subjected to any unfair practices related to debt collection.

I request that you investigate this matter and provide verification of the debt. Furthermore, if you can not provide sufficient evidence to validate the debt, I ask that you remove any negative reporting from my credit file related to this account.

Please confirm receipt of this letter and respond to my request within 30 days to avoid further action on my part. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15USC 1681 Section 602 states I have the right to privacy.15USC 1681 Section 604a Section 2 also states the consumer reporting agency can not furnishan account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX open XX/XX/XXXX
Amount XXXX

Fraudulent account XXXX XXXX open XX/XX/XXXX
Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX AND EQUIFAX THAT THERE WAS FRAUDULENT ITEMS ON MY REPORTS NUMEROUS NUMEROUS TIMES AND CIRCLED THOSE ITEMS ON SAID REPORTS SENT THEM MY POLICE REPORT SPELLING OUT SAID ITEMS WERE FRAUD AND I WAS A VICTIM OF IDENTITY THEFT, AND SENT THEM THE FCRA 605 B LAW STATING THAT THEY MUST REMOVE SAID ITEMS, THEY HAVE REFUSED TO FOLLOW THE LAW FCRA AND HAVE NIT REMOVED ITEMS AND IT HAS IMPACTED MY CREDIT AND GETTING LOANS, JOBS ECT. THEY ARE NOT FOLLOWING TE LAW AND I WANT THEM TO BE HELD ACCOUNTABLE AND I DEMAND THOSE ITEMS REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this debt on several Occasions and the debt collectors portfolio has only provide a bill statement no other evidence I have submitted police reports and I was apart of XXXX breech and identify theft also XXXX has removed this account and then they put it back on my account and now XXXX is giving a hard removing this fraudulent account when all other credit reporting agencies have blocked this account also the dates of the account being opened are inaccuracies and the year and date The companys are portfolio recovery and XXXX please remove these account
Product: Payday loan, title loan, personal loan, or advance loan

Midland credit is incorrect as far as they balance I paid this off last year around XX/XX/year> I want it off all XXXX credit bureaus XXXX also a collection agency that has my balance at XXXX dollars want it removed from my XXXX and XXXX reports XXXX funding on my credit twice balance was already paid says I owe XXXX which is inaccurate I also want this removed from my XXXX and XXXX credit reports
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an account that I did not authorize. This fraudulent account is harming my ability to obtain credit. I am requesting an immediate removal of this account from my credit report.
Product: Checking or savings account

XXXX issued a check for an auto insurance claim payable to me and a lien holder. I, ( the account holder ) deposited the check into my account as the lien holder was listed on the check in error. Chase bank ( my bank ) received electronic funds from XXXX XXXX  XXXX ( payer ) for XXXX. Chase bank has determined they can not negotiate the check because they can not validate the lien holder within their directory. Chase bank refuses to release the funds back to the payer ( XXXX XXXX XXXX ) so a new check payable to me ( the account holder ) only without lien holder data can be reissued. Chase has not released the funds and despite a conference call with XXXX insurance claims verifying the validity of the check, Chase is holding the funds and refusing to send the funds back to the issuing bank. Additionally, my accounts with Chase are frozen.
Product: Student loan

I began going to school part time in XX/XX/XXXX. At that moment, Nelnet decided to put my loan payments in deferment. They did this without my consent and only attempted to contact me through their messaging system. I noticed and began repaying these loans in XX/XX/XXXX, but I had allowed 7 months of extra interest accrue. In XX/XX/XXXX, my total loan amount was {$32000.00}, by XX/XX/XXXX it had grown to XXXX due to the interest on my loans. If I had continued on my regularly scheduled payment plan by XX/XX/XXXX my balance should have been around {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the date of first delinquency with Wells Fargo and all of the credit reporting agencies to report the actual date of first delinquency. 
I received a copy of my credit reports from XXXX, XXXX and XXXX, and found reporting errors such as the date of first delinquency  and month and year to be removed. 
The reports shows first delinquency XXXX and then shows that the account will be removed on XXXX which is inaccurate reporting. On the reports, the Account history with status codes show that the first delinquency was on XXXX. 
This error would leave the account on my credit report for more than the reporting period per the Fair Credit Reporting Act ( FCRA ) of seven years. 
Per the FCRA the latest that the account should be removed is XX/XX/XXXX, not XX/XX/XXXX. This would leave the account on my reports for over seven years. 
I would like to have this error corrected. I am including a copy of the credit report page as corroboration and review for correction. 
I have spoken with XXXX XXXX, Executive Resolution Specialist, Customer Care and Recovery Group from Wells Fargo and e-mailed her the corroborating proof of the date of first delinquency so that the correction may be made to all of the credit reports so that the negative information will be removed within the FCRA time frame and received a letter back stating that it is being reported correctly. 
XXXX XXXX also states in the letter hat the account was past due from XXXX through XXXX of XXXX, which corroborates my complaint, but does not correct it.
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 U.S.C 1681. 

XXXXXXXX XXXX : XXXXXXXX XXXX # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX # XXXX XXXXXXXX XXXX  : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX : XXXX XXXX # XXXX XXXX XXXX  : XXXX XXXX  # XXXX XXXX XXXX : XXXX XXXX # XXXX XXXXXXXX XXXX : XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX : XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX  : XXXX XXXX # XXXX XXXX XXXX  : XXXX # XXXX XXXX XXXX : XXXX XXXX # 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 an account without my written instructions.

15 U.S.C 1681s-2 ( 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 then records of convictions of crimes which antedates the report by more then 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX numerous times about this issue. I Filed Chapter XXXX And it was converted to a Chapter XXXX. On my Credit Reports, XXXX XXXX XXXX refuses to show the account as included in Bankruptcy. This is damaging my score as they are in clear Violation of the FCRA and the Bankruptcy Code. I received my Chapter XXXX discharge on XX/XX/2020. This is ridiculous that I can not move past this mortgage company.
Product: Student loan

I am trying to refinance my student loans with XXXX Bank. I had to apply a Second time because my loan application expired due to not being able o get the correct documents from Fed Loan Servicing. All I am asking for is a billing statement or a payoff quote that includes my name, address, account number, interest rate, payment address, payoff amount and interest due. I have been asking since the beginning of XXXX. I have called, emailed, spoke with people. On XX/XX/22, I got a loan verification from them. Clearly on the bottom it says its not. Payoff quote. I have called 4 times since then, emailed about 6 times. They refuse to send me anything or answer emails. I wait on hold for XXXX min or wait for a call back for over an hour. Tried speaking with a supervisor, cant get them. My mortgage company needs to have this refinance wrapped up to close in a few weeks and it looks like if I dont get it, I wont be closing my home loan. I am so frustrated, I had a nervous breakdown crying to them. Still nothing. I do not know what else to do. I doubt you will get this complaint In time to help me, but if you do, Im begging you to help me as soon as possible. Thank you.in addition, I got an email from the Us Department of Education in XXXX that some or all of my student loans were being discharged and that Fed Loan servicing would contact me about it. Still nothing from them.
Product: Checking or savings account

XX/XX/year>, TD Bank closed my checking account and hold my money of {$9200.00}. I went to TD Bank Branch at XXXX NJ for 3 times, with waiting for 3 hours each time, but they refused to tell me the reason why closing my account and refused to give my money back. 

The story is more complex than this short summary. Please find more details in the attachment.
Product: Mortgage

We requested a Loan Modification from Wells Fargo back in XXXX. They granted what we asked for. However Wells Fargo went up XXXX dollars more on our mortgage payments. We're surveillanced by them 24/7. Their employees were daily at my Wife 's job and followed me around my entire ROUTE. I have proof that it's Wells Fargo. I went to jail for reckless driving on XX/XX/XXXX running from their investigators and hired organizers. They have put in place Community Policing to hide their evil tactics. We are surrounded and harassed daily. We decided to sale our home because of the HOSTILE HARASSMENT. XXXX XXXX XXXX XXXX Texas XXXX. Now we're back here in XXXX Louisiana waiting for our home to be sold. The same group is here FOLLOWING us. We are surrounded by Electronic Harrassment. Now lets be clear, I don't have a mental instability. I don't know what lies they've told. I can say that we're being eavesdropped on. Whenever we're out we hear our conversations repeated in all public places. My car was wrecked twice and my SUV once. This is all done covertly. We have plenty of pictures and the police know and they are participating in this STALKING. If I'm being investigated arrest me. All of this surveillance is designed for me to get arrested or killed. We're tired being boxed on public highways. Wells Fargo bank and their Investigators recorded our conversations and put them in the streets. The VERY things we talked about at home or in our cars was put in the streets. I'll stop here for now. Thanks for your time XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I talked to XXXXXXXX XXXX and we came to an agreement to delete an account off my credit they directed me to dispute the account again with all three bureaos and on XX/XX/year> I dispute that account with experian and on XXXX the XXXX they verified the account which leads me to believe they are not doing their job and did not reach out to XXXX. XXXX only agreed because in the settlement contract we have they said they would send me the title to the car and they couldn't uphold their end of the settlement so they agreed to delete.
Product: Credit reporting

XXXX continue to report a zombie debt as active. Also XXXX XXXX XXXX over the past ten years have reported inaccurate information to Experian Credit bureau and refuse to remove this item after several attempts of dispute process. The State of Limitations on this alleged debt, even should it be ours, is 7 years in the state of ( California ). Since the debt is out of the statute of limitations, this needs to be deleted from my report. XXXX XXXX XXXX continues to notify Experian of debt as being charged off with a balance showing {$780.00} owning. XXXX XXXX XXXX continue to report different dates of reported debt open, and status of date of removal to be now XXXX 2019. 
provisions in the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

XXXX XXXX XXXX has caused great harm to my credit report and over the past ten years has been very stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first dispute letter dated XXXX XXXX XXXX XXXX, XXXX and XXXX stating that I never had a contract with this debt collector for any debt pertaining to National Credit Adjusters. Please provide proof from the original creditor that this debt collector owns this debt and has legal authority to collect it or delete this account. 
I received a letter from National Credit Adjusters dated XXXX XXXX stating that they received my written dispute. They also stated that the investigation may take more than 30 days. Also, they will cease all collection efforts. I also received an email from XXXX pertaining to the dispute pertaining to National Credit Adjusters. I logged into my XXXX account and read that National Credit Adjusters has certified to XXXX that the information is accurate. This item was not changed. My question is who is telling the truth. XXXX respond very quick stating that this item was not changed. But National Credit Adjusters needs more time to investigate. To sum it all up National Credit Adjusters fail to provide to provide proof from the original creditor that they have legal authority to collect this alleged debt and to continue to report to the CRA 'S. From the time National Credit Adjusters sent me their response letter dated XX/XX/2022, it's been over 7 months. Enough time to provide the information that I'm requesting. XXXX XXXX, XXXX and XXXX failure to properly investigate my request instead, verified my dispute as Accurate. Verifying information and requesting a debt collector to provide proof that they can collect on a debt and to produce a contract, is two different things. Please refer to the attachments to read the entire complaint. I am requesting that this account be removed from my credit report, and I am seeking monetary damages in the amount of {$1000.00} per violation from National Credit Adjusters in failing to produce information per consumer request in a reasonable time by law. And all 3 three credit bureaus : XXXX XXXX, XXXX and XXXX failure to properly investigate my request instead, verifying my dispute as accurate.
Product: Credit card or prepaid card

Credit card company issued three cards to impose more fees vs issuing one card with a higher limit.
Product: Credit card

On XX/XX/year>, I returned a purchased item to XXXX XXXX XXXX and received a receipt ( apple pay ) showing the return and credit. The credit in the amount of {$35.00} has not been posted to my account. I have both spoken to and chatted with Goldman Sachs ( Apple ) XXXX customer service, but they say they can't help with the missing refund because it has not appeared in their system. I have provided them with a copy of both the Credit Refund customer copy and the store 's batch report, both showing the credit. Their only suggestion was to ask the store for another refund, but that's not possible because the store has already had the amount deducted from their account, as shown on the store 's batch report. I've attached a XXXX  showing both receipts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX **Subject : ** Formal Dispute Demand for Immediate Action Under 15 USC 1681c-1 ( 605B ) Due to Data Breach and Identity Theft To Whom It May Concern, I am writing to formally dispute several inaccuracies on my credit report and to invoke my rights under **15 USC 1681c-1 ( Section 605B ) **, which grants consumers the right to block any information that is the result of identity theft or fraudulent accounts. This letter also serves to inform you that I believe my personal information may have been compromised in a data breach, resulting in unauthorized accounts appearing on my credit report. 

According to 15 USC 1681c-1 ( 605B ), you are required by law to block any information resulting from identity theft or unauthorized activity within **four business days** of receiving a request from the consumer, along with the necessary documentation. I have already provided you with the required information, including a police report and an identity theft affidavit. Nevertheless, you have failed to remove the fraudulent items from my credit report. This non-compliance is a direct violation of federal law. 

The following accounts must be **immediately** removed from my credit report under XXXX*15 USC 1681c-1 ( 605B ) ** : XXXX. XXXX XXXX Account XXXX : XXXX *Action Required* : Immediate removal due to unauthorized activity. 

XXXX. XXXX Account XXXX : XXXX *Action Required* : This account reflects inaccurate late payments, which can not be validated. As I did not authorize this account, it should be removed under 605B. 

XXXX. XXXX XXXX Account XXXX : XXXX *Action Required* : This account is unauthorized and a direct result of identity theft. Immediate removal is required. 

XXXX. XXXX XXXX Account Number : XXXX *Action Required* : Remove this account immediately, as I have no relationship with this entity and it appears due to fraudulent activity. 

Under **Section 605B**, the law is clear : once you have been informed of the unauthorized nature of these accounts and fraudulent entries, you must take swift action to block them from my credit report. You have failed to adhere to this legal requirement, and your continued reporting of these accounts not only violates my rights under **15 USC 1681c-1**, but also subjects you to legal consequences for noncompliance. 

I demand that these accounts be permanently removed within XXXX business days of receiving this letter. If you do not comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), file a complaint with the Federal Trade Commission ( FTC ), and pursue legal action under the Fair Credit Reporting Act ( FCRA ). 

Enclosed is a copy of my original dispute letter, and any other supporting documentation necessary to process this request. Failure to act within the required timeframe will force me to take immediate legal steps. 

Sincerely, XXXX XXXX
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. I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

I run a solo law firm and as a requirement under NJ law I have an XXXX  account to deposit client funds that have been received but not yet earned. I eventually transfer those funds into my operating account once those fund have been deemed earned. As such for a period of a few months I had no funds in my XXXX account and Citizens Bank closed the account without any notice that to me that the account was being closed either before or after the Bank closed the account. I am also unable to re-open the account and will now have to go in person to open a new XXXX account. My biggest issue is the lack of notice to me that the account was going to be closed or at the very least notice after the account was closed that the bank had done so.