23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Mangement has been harassing me which is violation of 15 U.S. Code 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S. Code 1692c - Communication in connection with debt collection- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt By reporting inaccurate information on my conusmer report I have been denied credit and my reputation has suffered because of the harrassment of reporting on my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request detailed verification and documentation regarding the investigation process for a disputed account on my credit report. This dispute was submitted to Transunion and was marked as verified. Additionally, I request the immediate removal of this inaccurately reported account based on the Fair Credit Reporting Act ( FCRA ) Sections 611, 611 ( a ) ( 5 ), and 623 ( b ), Section 501.204 of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), and the Truth in Lending Act ( TILA ) 15 U.S.C. 1601. 
Disputed Account Information : Account Name : XXXX XXXX XXXX Account number : XXXX  - **Section 611** : Under Section 611, I have the right to dispute inaccurate or incomplete information on my credit report and to request a thorough reinvestigation.

**Section 611 ( a ) ( 5 ) ** : If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted promptly.

- **Section 623 ( b ) ** : Furnishers of information are required to investigate the completeness and accuracy of the information provided and to correct any errors found.

2. **Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) - Section 501.204** : - The reporting of inaccurate information may constitute deceptive and unfair trade practices under FDUTPA. Fair and transparent business practices must be maintained to prevent consumer harm.

3. **Truth in Lending Act ( TILA ) - 15 U.S.C. 1601** : Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ) is part of the Truth in Lending Act ( TILA ), which requires the provision of accurate and transparent information in the terms and conditions of credit. This regulation reinforces my right to accurate and truthful reporting of my credit information. 

XXXX XXXX XXXX XXXX and Consumer Protection Act : * - *Section 1031 ( 12 U.S.C. 5531 ) : * The Consumer Financial Protection Bureau ( CFPB ) has the authority to prevent abusive practices by credit reporting agencies.

- *Section 1036 ( 12 U.S.C. 5536 ) : * Prohibits unfair, deceptive, or abusive acts in relation to consumer financial products or services, which includes the obligation to correct inaccurate credit information
Product: Checking or savings account

Hello, I am reaching out because I have an account with Cash App and money was deducted from my account for charges that I did not authorize. I reached out to Cashapp in XXXX of 2022 and have yet to receive a response regarding the dispute that I filed. I can not reach a live representative by phone and when I attempt to contact their chat support they inform me that they are unable to assist with my request and that the escalations team will be in touch with me. It has been over a month and no one has followed up with me as if yet and its impossible to get in touch with anyone who can help. I have already been in contact with my local police and the XXXX XXXX XXXX about the company who charged me but only cash app can reimburse me. I am a XXXX XXXX and XXXX XXXX  on a fixed income, I do not have several months to wait on them to decide to contact me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity- New York & Co are reporting the incorrect information with all credit reporting agencies ( XXXX  , XXXX  , and XXXX  ). The creditor ( Comenity Bank/New York & Co ) is stating this account was recently 30 days late for different months per each credit reporting agency ; however, this account was paid in full on XX/XX/XXXX, and later closed by the above mention creditor in XX/XX/XXXX. 

I have reached to Comenity/New York & Co both verbally and in writing, addressing my concerns on the following dates : XX/XX/XXXX and XX/XX/XXXX, and to be informed that their records do not match what the credit reporting agencies are showing, and I will need to dispute this issue, and there is nothing further that can be done on their end. I was told on XX/XX/XXXX that I would receive an email/letter stating that the account has been paid in full, close, and never late. As of today, I have not received anything from Comenity Bank/New York & Co. 

Attached you will find a copy of my last account statement showing the account status, along with the payment history that was obtained from my account summary on the company weboste.
Product: Credit reporting, credit repair services, or other personal consumer reports

I expressed a dispute request by phone and in writing at the end of XX/XX/XXXX and XX/XX/XXXX that 2 student loans with XXXX are older than 7 years and should not be reporting. They were originated in XX/XX/XXXX and XX/XX/XXXX. I  disputed this twice, it was removed and Equifax erroneously placed it back on twice without notifying me within 5 days of reinsertion per FCRA guidelines.
Product: Checking or savings account

I am still waiting on a reply from Comerica and have yet to  get one an d I have waited at least 2 months for their final determination. Case number previously submitted -  XXXX . It would be appreciated if you could find out why she has never contacted me again since I sent her to information that she requested including a copy of the check that was issued to me as a cashiers check! I guess they figured that I would forget and that I would not continue to pursue this. I want a final resolution and my money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions
Product: Mortgage

In XXXX, our taxes were {$3100.00} and our home owner 's insurnace was {$800.00}. At the end of XXXX, we were refunded money from our escrow account. 
In XXXX, our taxes decresed to {$2600.00} and our home owner 's insurance increased to {$980.00}. 
We received notice XXXX that we had an escrow shortage of {$2.00}, XXXX. 
I do n't agree with the consequences falling on us if our escrow has been miscalculated. 
Freedom Mortgage conducted another escrow analysis and stated they do not determine the escrow amount. I was told RESPA calculates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello ; I need help. I submitted various proof requesting the originals creditors request to remove items off of my credit report. 

I submitted these documents via email with return receipt. These items still remain showing incorrectly on my report. Equifax reported doing an investigation. I submitted various companies letters and they have yet to correct the problem. 

Please assist. 

Thanks, XXXX
Product: Debt collection

On XX/XX/XXXX, I received notice from XXXX XXXX XXXX regarding a debt I owed CKS Prime Investments in the amount of {$1400.00}. CKS purchased this debt from the XXXX XXXX XXXX, where I had a credit card. I requested more information about the debt via email to XXXX at XXXX that evening from my personal XXXX To that, I received no written confirmation or response. However, on XX/XX/year> I received a letter from XXXX XXXX showing me a credit card statement to the debt for a XXXXXXXX XXXX Card that was authorized by the XXXX XXXX XXXX. They claimed they could move forward with proceedings but wanted to hear from me first. I quickly wrote an email to XXXX ( XXXX ) which is the primary email listed on the letter I received and is well advertised on their website. I acknowledged the debt, and offered to settle for {$1000.00} over 8 monthly payments. I received no response. Due to another recent legal issue I had, I have browsed a local court docket and noticed a lawsuit was filed ( statement of claim ) against me on the early morning hours of XX/XX/year>. It was seeking legal action that for the entire amount stating I had not responded or articulated interest in settling or communicating. Further, they took that step without # XXXX responding to my request and # XXXX showing that XXXX had actually purchased the debt from the XXXX XXXX XXXX  ( only a credit card statement ). 

The law firm dated my letter validating the debt on XXXX XXXX XXXX but I did not receive it until XXXX XXXX. The letter was not sent via certified mail nor with tracking information so there was no way of knowing I received it. I communicated immediately after receiving this message and I know they do receive my emails, because I finally received the validation 2 months after I requested it via email but did not get an acknowledgement. They did not account for the fact that they dated their letter on XX/XX/XXXX, but I didnt receive it timely and as a result they initiated legal action against me despite my ongoing efforts to resolve it. 

Once I came across the lawsuit yesterday, I emailed a letter to the counsel on file, XXXX ( the primary email of receipt for the suit ), and XXXX. I requested they accept my offer and make me a counter offer. Further, that they cease service of process and withdraw the statement of claim against me because I had made a documented effort to reach them in a timely manner after I received acknowledgement.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

I utilized XXXX for a short term rental operation that is now shuttered. Their customer service had not been stellar from the start. 

My last tenant vacated the premises prematurely and demanded a refund of her monthly rent. This charge of {$2300.00} was reversed, leaving my business account in the negative. I was obligated to get the account back to {$0.00}. This implies that the debt was paid and settled with my financial institution ( XXXX XXXX ). I then closed this business account. The tenant also incurred a reversal charge on the XXXX platform as the payment was likely stopped by her financial institution. Conclusively, the amount totaled {$2300.00} and was credited to the tenant on my end. However, XXXX claims that I owe them, this amount. This means that I would be paying a penalty of {$2300.00} twice ( to the tenant and to XXXX ). Furthermore, this reversal of the {$2300.00} occurred in XXXX or XXXX of XXXX. 

I was contacted for the first time concerning a balance owed by the tenant in XXXX of XXXX. Yet, it was not made clear the repercussions or implications of this debt going unpaid or who owed the debt. I assumed that the client did as I responded to the XXXX correspondence and got no reply. 

I was contacted about the matter again in XXXX or XXXX of XXXX. I was not aware that there was outstanding debt that I was responsible for. I received no correspondence from XXXX XX/XX/XXXX through XX/XX/XXXX. Still, when contacted by XXXX this XXXX, the payment had been due in less than 30 days. I communicated with a representative via email outlining my concerns and confusions, yet the debt was given to HF Holdings, a debt collection agency. 

I was laid off on XXXX of XXXX and Im a XXXX XXXX XXXX garnering a XXXX XXXX. I provided documentation outlining my employment status to XXXX. XXXX only notified me that the debt was now in collections when I asked. Therefore, I reached out to HF Holdings myself in being proactive. XXXX has been poor and representatives of HF Holdings ( particularly XXXX XXXX have been unempathetic and condescending in refusing to actively listen to my concerns as debt collectors notoriously are. Although HF Holdings was able to coordinate a settlement with XXXX on XX/XX/XXXX, the lesser amount ( {$1900.00} ) would need to be paid by XX/XX/XXXX. XXXX unable to make any payments and do not believe that I was notified about this debt correctly or in a timely manner. Also in reiterating, the tenant received her {$2300.00} back from my financial institution with the help of her financial institution initially in XXXX.
Product: Credit card

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX, Louisiana XXXX SSN : XXXX XX/XX/XXXX NAVY FEDERAL CR. UNION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Notice to agent is notice to principal notice to principal is notice to agent { NAVY FEDERAL CREDIT UNION # XXXX } I sent in a dispute to your company regarding some inaccurate and incomplete information that is being furnished on my consumer report. at { XXXX }. 

You received my dispute letter on { XX/XX/XXXX } by certified mail tracking number # { XXXX XXXX XXXX XXXX XXXX XXXX } It has been well over 30 days and you have not responded. This information by law must be deleted.

15 USC 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true. Id. at 1303. If the furnisher does not already have such evidence, it must seek out and obtain it before reporting that the information is verified. Id. at 1303 ; see also XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ).

importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
You not responding to my dispute within the 30 day period allotted by law proves you can not validate or verify this account. 
Delete this account { # XXXX } from my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX UCC 1-308 Tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Have long disputed XXXX debt with XXXX XXXX. This has resulted in tradeline being suppressed by both XXXX and XXXX yet Equifax is continuing to not only report but, also allow charges off account to report as late each month
Product: Debt collection

The company repeatedly calls and texts me about a debt, but I am not the person they are looking for. They have the wrong contact information but still harasses me.
Product: Payday loan, title loan, personal loan, or advance loan

So my issue is that i bought a class for XXXX through a loan, when the class was sold to me I was told that I would be able to process a return but when I tried to process the return I got no help now I am obligated to pay or my credit will be ruined, the only reason I want to return is because I feel scammed because the class is not informational and regardless I am trying to return with in 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth try to inform you that I am a victim of identity theft and I complain to question particular items in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : 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
Product: Bank account or service

I am not able to make any kind of contact with my XXXX XXXX card of Regions Bank because I do n't reside in the XXXX any more and Regions Bank DO NOT provide any phone number that I can call from XXXX, the country I am resident now. Regarding internet, I do n't have a Social Security number, as I am XXXX. I JUST NEED A PHONE NUMBER THAT IS NOT XXXX! I can pay for the call. I need to question one debit and activate the new card, as the old one expires XXXX, but there is no way to contact them : ALL REGIONS informed phones are XXXX. In the past It was possible to call my Regions Bank branch, but they do n't care this matters any more.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX called me to which I responded I refused to pay, and to cease communication. onXX/XX/XXXX I received a letter DatedXX/XX/XXXX in the mail purposing a payment plan collection letter. I emailed the company they were in FDCPA Violation 15 USC 1692c Communication in connection with debt collection. Due violating federal law,, I would like the company to remove all negative reporting from my credit report with XXXX, Experian, and XXXX. Failure to do so will result in a lawsuit against XXXX XXXX XXXX, XXXX. Upon review of the letter I was sent. XXXX XXXX XXXX, XXXX is not currently licensed to pursue consumer debt in the state of CALIFORNIA.
Product: Credit reporting or other personal consumer reports

I have requested a copy of my Credit report from Transunion Consumer Solutions. I was unable to get a copy of the credit report, that I am entitled to every year. Please provide me with a copy of my credit report.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Nevada XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX