23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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  CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$760.00}, XXXX XXXX  XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$2300.00}, XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance : {$690.00}, XXXX  XXXX Balance : {$1600.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

National Credit Systems advised that I owed a XXXX security deposit to XXXX XXXX XXXX stating that XXXX at XXXX filed a security deposit claim. I received a copy of the ledger from XXXX at XXXX showing that the XXXX deposit was returned to XXXX XXXX XXXX by XXXX at XXXX and submitted the receipt to XXXX XXXX XXXX and National Credit Systems. I was advised that they National Credit Systems not remove the amount until XXXX XXXX XXXX responded to the dispute and XXXX XXXX XXXX advised they have no access to any information on the account because National Credit Systems is covering the account.National Credit Systems has hung up on me several times ; refused phone calls and yells when I get someone on the phone. I would ask that that the XXXX amount is removed from my credit report and that an itemized list of what the security deposit was used for is given, as XXXX at XXXX has stated the full XXXX was returned to XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue regarding fraudulent items on my credit report, despite my many attempt to rectify the situation. 

Despite providing substantial evidence and diligently following the prescribed procedures, the fraudulent items persist on my report. This continued presence not only damages my financial reputation but also undermines the accuracy and integrity of my credit history. 

I request that you conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Unpaid Balance {$16000.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to apply for a loan from my credit union however when they try to pull my equifax report it is reporting a freeze or error on my report. However I've called numerous times and was told each time that there was no freeze or extended fraud alert. I was told to fax my ID and social security card to resolve the issue.This has been going on over a month and I keep getting the run around.This is what is reporting on Equifax credit file status : Report Blocked For Promotional Purposes Date XX/XX/2023 No one at Equifax can give me a explanation of what this means no lender can pull my credit with equifax
Product: Mortgage

I am currently in default on my mortgage loan due to current situation. I have been trying to pursue a short sale with Fay Servicing ( loan servicer ) since last year and they are preventing me from completing the process along with XXXX XXXX ( investor ). At some point in XX/XX/XXXX the short sale was approved at {$280000.00} and the buyer was unable to close the deal due to the fact that I had squatters in my property. By the time that we were able to evict them, the approval expired and the lender did not honored the approval. In XXXX XXXX, XXXX XXXX XXXX acquired my loan and they had expressed their desire to keep the property since it is located in XXXX which a mortgage market on the rise and they rather F/C on the property to keep it and make profit. I wonder if they ever realized how much stress tis situation has caused me and my family. Do they even have any type of consideration for the customer? As anybody else, I bought this property back in XX/XX/XXXX and I never thought for a minute that I will be in this situations. The previous buyer walked and every time we get an offer, the buyers get turn down by the loan servicer ( Fey Servicing ). I know the investor makes the final decision and they do not care about me or my family, but it will be a great help for us to be consider for a short sale at a realistic market price. We have provided all kind of supporting documentation to support numbers and the investor is NOT willing to allow me to work a short sale. They are forcing us to do a deed in lieu. We have been told my XXXX XXXX XXXX ( Fey servicing - negotiator ) that the investor wants to sit on the property until the foreclosure is completed, so they can keep it, fix it and make a profit on it. I do not believe is right for an investor to do so by preventing me and my family to close this chapter. The investor ( XXXX XXXX ) is denying me the right to do a short sale. Lastly, please keep in mind that they are using a value from from XX/XX/XXXX and they are not willing to do a BPO due to the fact that they know this property is in really bad shape and they will have to sell it at a price that is lower than their expected price. The short sale was previously approved by the previous investor for {$310.00} and now the new investor is asking for {$500000.00}. My questions is if the previous investor using the same BPO approved at {$310000.00} why is the new investor using the same BPO is asking for {$500000.00}? You can tell they have their own intentions and are not willing to help our situation.
Product: Debt collection

My sister and I lived at XXXX XXXX XXXX ( it use to be XXXX XXXX  before the name changed and management from XXXX ). Due to financial hardship, I was no longer able to continue paying the rent and I had to find an affordable place. I had renew my lease as I have thought that I was going to stay but sadly I was unable to continue to pay rent. I had sublease my apartment on XXXX of XXXX to a student name XXXX XXXX who said she will take over both leases. I signed the transfer lease and paid {$200.00} for the transfer fee. XXXX of the leasing agents came and inspect the apartment. They said it was in good condition. XXXX and I signed the delegate form that stated that the delegate ( XXXX XXXX ) will become the primary. 

In late XXXX XXXX of XXXX, i got an email from XXXX stating that I owe over $ XXXX in damages when I never cause the damage. They told me that XXXX XXXX never sign the second lease for Fall XXXX XXXX and she had someone living there illegally. They claimed that they called and email XXXX XXXX many times to have her pay the damage fees but she was refusing to. I spoke to the resident in XX/XX/XXXX, who stated that her friend ( XXXX XXXX ), damage the apartment back in XXXX of XXXX and walk away with the keys. 

Also that same month, I told them to removed me from both leases as I wont be renewing and they agree since I paid to have me removed from both leases. That same year, XXXX was harassing my family and I about the payment. My family and I went to show them proof that XXXX was responsible since she was living there. The complex made up alot of excuses on why they didnt take them to court. I found out in XX/XX/XXXX that XXXX had keep me on the lease illegally instead of removing me. They told me that the apartment was fixed. 

I send my account to collections knowing that the damages happen under another resident and they tried to ruin my credit. I had called NATIONAL CREDIT SYSTEM about the incident and they ask me to send them proof. I emailed them proof in XXXX or XXXX of XXXX and they never responded back to me. I filed several complaints against XXXX XXXX XXXX this year and they refused to address the issue I have attached pictures of the lease, payment of the transfer fee and the pictures that I took on the day I moved out to show that the apartment was clean and damaged free ( i moved out in XX/XX/XXXX ). The lease clearly states that if the damage happen while a resident is living there, they are responsible. The damaged happen in XX/XX/XXXX while XXXX XXXX was living there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters to the credit bureu ( Experian ). In the results of their investigations, they stated in writing that they verified that unverified items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

I contacted the company XXXX when i recieved an alert about the opening of the account. i recieved an hard inquiring i reached out to the credit bureau to dispute the account with XXXX XXXX they told me they would investigate i never heard anything back so i followed up by calling them XX/XX/2015 and the fraud department told me the last rep didn't open an dispute. The company XXXXXXXX XXXX XXXXXXXX i called XXXX they told me none of my information matched an that the card wasnt mailed to my home address they asked for copies of my drivers license and address and email address to verify the account. They told me it would be removed from XXXX  and XXXX and equifax i have been getting the run around i even mailed a letter to the company address XXXX XXXX XXXX XXXX XXXX NY XXXX nothing has been removed. Please invesitgate and remove this account it was opened fradualtey
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/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 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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/XXXX, received letter stating if full amount ( three months late ) wasnt due, they would report it to credit. Paid on XX/XX/XXXX, in full to make account current. XXXX turned in on XX/XX/XXXX. 

They blackmail people regularly, when I was overdue by XXXX day an employee lied and said I would now have to be on auto payment, I signed up for the auto payment, and then it wasnt going through and I was only notified through the XXXX student loans website, no email until the threatening letter. Then once I followed through with the threat, they did it anyway.
Product: Checking or savings account

I was a victim of identity theft twice over the years. I have lost every bank account I had due to this situation, and I have yet to regain access to any of my accounts that I had with USAA, XXXX XXXX, and XXXX  XXXX XXXX before all this happened. In reference to USAA, I was dealing with the death of my little sister when I initially found out about it, so I did not dispute or address anything right away. When I did, I was denied access multiple times moving forward and told I could continue my insurance services with them but not banking services. I filed a total of XXXX re-reviews and was still denied. Feeling like I was running out of options I contacted the XXXX XXXX XXXX XXXX XXXX XXXX who the banks use to run customers consumer reports before allowing them to open a bank account to dispute the information the banks provided to them. In doing so I provided the police report & letter from the Federal Trade Commission and the information was removed from not only my XXXX XXXX report but XXXX XXXX report as well. Happy to feel like I was getting somewhere I was able to open an account with XXXX just to find out it was flagged and closed XXXX days later because USAA reported back to the XXXX XXXX XXXX that the information I disputed, and they removed was indeed correct and requested they add it back to my report. At this point I feel like I've ran out of options & have been put in a worse position because unless I have additional documentation to provide the XXXX XXXX XXXX to dispute what was already disputed once before and added back then they will deny it every time and I am desperate. I've been a member over XXXX  years with USAA and to be treated like the accuser instead of the victim is sickening to me. The fact I have to go through all this extra stuff and was put in a worse off position than I was when I started honestly makes me not even want to keep my insurance services with them or do business with them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received correspondence from Chase Business card services on XX/XX/XXXX stating they needed me to contact them regarding an application for a business card account. I will attach referenced letter. I called on XX/XX/XXXX to the number provided ( XXXX ) @ XXXX XXXX  and spoke with " XXXX '' in the verification dept. While speaking with him and explaining that I had not applied for any account, that I already have cards with Chase I noticed on the letter it has my name and a different address, one in NY. I live in Kansas. XXXX told me he would cancel the application and notify the credit reporting agency ( XXXX ) to remove the inquiry on my report. I received notification also on the XXXX of XXXX XXXX from XXXX XXXX XXXX that there had been a decrease in my score due to this inquiry from a score of XXXX down to XXXX a drop of XXXX  points due to this inquiry. I was assured that it would be removed once they received the letter from Chase that it was a fraudulent application. I was told to wait 3-4 wks. and I will see the removal on my report. 
On XX/XX/XXXX I called Chase again to check status and spoke this time with " XXXX '' in the verification dept., who could not find any letter sent to XXXX and assured me that she would do that and also send me a copy of it. I waited again to receive any correspondence and did not. On XX/XX/XXXX I called XXXX customer service and explained the issue to " XXXX '' who found the inquiry still on my report and not able to be removed until XXXX of XXXX. After check with his " supervisor '' he told me that it was a " LAW '' that it could not be removed for 25 months. I explained the situation again that this was a fraudulent application by someone other than myself and it has impacted myself and the credit score due to nothing that I have done and I do not feel I should be penalized for that. Again the word " Law '' was used and I was told there was nothing I could do. I asked him to have the " supervisor '' reference the exact " Law '' that states if fraud is committed on a person that person will suffer the consequences under ALL circumstances, he put me on hold for a few minutes and came back to tell me to contact the CFPB and start the complaint process. Still no " law '' explanation. I feel that Chase initiated this inquiry without verifying the validity of the application, then after the inquiry was done they probably realized the address error and sent me the correspondence about the application. I am also filing a complaint with XXXX for this issue for refusing the removal of this inquiry. I pride myself in my credit worthiness and am constantly monitoring it to make any adjustments if needed. It's not explainable to me that I should be penalized for errors by any institution or individual that has committed a fraudulent act against me or my good credit standing. 
Please have someone look into the matter further, feel free to reach out for any additional info if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX/DOFED XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$2300.00} XXXX/DOFED XXXX Balance : {$2500.00} XXXX/DOFED XXXX Balance : {$3500.00} XXXXDOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$890.00} XXXXDOFED XXXX Balance : {$1600.00}
Product: Debt collection

XXXX XXXX XXXX was contacted by Santander Auto finance regarding a balance owed on old car loan. Car was repossessed in XX/XX/XXXX and sold at auction XX/XX/XXXX. We received a letter stating it was being sold at auction, letter stated if there was a balance remaining we would be notified by mail. No contact was made by any means until XXXXXXXX XXXX XXXXXXXX when court hearing paperwork was received by XXXX. XXXX, paperwork had court date listed and was addressed to him and myself. After several attempts to contact the company in question ( XXXX and XXXX ) I was told that all the agents available had no information on the debt only that it was representing Santander and the amount owed was over XXXX dollars. I requested company send me all information on debt multiple times and was unable to obtain this information before the said court date. Court date was rescheduled. After reviewing the information the agency had I reached out to them to inform them that the debt in question was over XXXX years old and the statute of limitations in the state of Oklahoma is 5 years. The agency has since stopped calling or sending mail but a new attorney is now listed on the new court date where they are trying to obtain garnishment. I do not owe this debt but if I did owe this debt it is barred by the statute of limitations and this agency is not within the legal time frame to sue for judgement.
Product: Debt collection

Theres a collection account that isnt mine reporting to my credit report from Midland Funding , LLC, a company owned by Encore Capital Group. The open balance says : {$1000.00}. Original creditor listed : 01 XXXX  XXXX. 

I sent a validation letter to Midland Funding LLC. It was received by them on : XX/XX/XXXX ( view evidence ). As of XX/XX/XXXX my alleged debt to Midland Funding still has not been properly validated. This is my right granted under the Fair Debt Collection Practices ACT ( FDCPA ). They continue to report an unvalidated account on my credit report. Midland Funding LLC. has violated the FCRA by not providing a contract with my signature on it, in regards to this debt. 

I filed disputes with the credit bureaus. Midland Funding LLC reported they have investigated & validated the debt. Yet they have not been able to provide me with a true copy contract or other instrument bearing my signature to validate debt. Every attempt I have made to obtain the requested documents have failed. 

Theres no validation. This has to be deleted. All references to this account must be deleted & completely removed from my credit report. A copy of such deletion ( to all : XXXX, XXXX, & XXXX  ) requests shall be sent to me immediately. 

-- -- -- -- -- -- -- -- -- -- -- -- - In addition, Midland Funding LLC has had action & lawsuits taken against them for using deceptive tactics to collect bad debts : Midland Funding LLC had a judgement against them VS State of Texas for not acquiring consumer agreements and not providing them per alleged debtors request. I have requested a consumer agreement and have not been provided a copy of the agreement. This is against my federal rights to have incorrect unvalidated accounts reporting on my credit report. 

Midland Funding, LLC are facing a lawsuit out of Florida federal court that claims the companies used deceptive, misleading and unfair debt collection practices when trying to collect on a woman 's time-barred debt. 

Midland has a poor track record in regards to its collection tactics, which have resulted in fines from the United States Government and from individual states. Encore Capital Group , Inc. and Midland Funding , LLC, resolved a probe that alleged the companies collected money without verifying the money was actually owed. Reached settlement with 41 states The CFPB found that Encore attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies didnt have the intent to prove many of the debts ( XXXX XXXX. XXXX ). 

Their illegal actions have caused consumer 's credit files to be tainted with negative remarks, including myself.