23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX Consumer Financial Protection Bureau Dear Sir/Madam, I am writing to report a violation committed by Midland Credit Management , a collection agency, regarding the handling of an account placed on my consumer report.

Midland Credit Management has failed to provide validation information for the collection account in question, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite multiple requests for validation, they have not provided any documentation regarding the validity of this debt.

Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account directly contradicts federal regulations and my consumer rights.

Additionally, Midland Credit Management has engaged in deceptive practices by furnishing this account to consumer reporting agencies without providing the necessary disclosures required by law. This action violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Midland Credit Management for these violations. Your intervention is necessary to protect consumers like myself from unfair and deceptive practices by collection agencies. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/XXXX my wife and I were in XXXX XXXX XXXX  and signed a contract to purchase a type of timeshare. The purchase would cost {$49000.00} for access to 8 weeks. We would be paid {$51000.00} for our current timeshares with XXXX and we would receive {$2500.00} X 8 weeks per year for buyback of our weeks for two years. At the end of two years, we would sell our timeshare back to them for {$78000.00}. We gave them a down payment to XXXX and when we sold back we would receive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a total of {$140000.00}. But when we came home and was not able to contact the Company XXXX XXXX XXXX XXXX XXXX ) we started looking on the internet for other phone numbers and discovered that there were dozens of others like us who were left holding the bag after paying XXXX XXXX XXXX only to find out that they never bought their timeshares and never had any vacancies and they received NOTHING for their XXXX XXXX XXXX spent. We decided to cancel our contract that did not take effect until XX/XX/XXXX and sent a letter via XXXX that they signed for in XXXX. We contacted Barclays Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$9700.00} ) and explained the problem to them. We have been working with both but neither one has made any progress on our behalf. They both are bogged down by the wording of the contract that the " merchant '' has no intention of following anyway. We think that because we are XXXX XXXX that have obviously been scammed, that they should be able to work for us to get our money back and allow us out of a contract that has not taken effect anyway..
Product: Credit card or prepaid card

I recently opened an AMEX XXXX XXXX account on XX/XX/XXXX. I had an offer on my homepage for {$25.00} off a $ XXXX purchase at XXXX XXXX XXXX XXXX XXXX ) if done by XX/XX/XXXX. I completed a purchase for a yearly subscription for {$53.00} on XX/XX/XXXX and received an email that day from XXXX stating my card was processed and I was given access to the website. By XX/XX/XXXX I had not seen the credit applied to my account and contacted customer service. They stated because the transaction didn't post to their system until XX/XX/XXXX that I was not eligible to receive the {$25.00} statement credit. I asked if I could have the charge reversed because I felt that as a condition of purchasing the subscription was that I would receive a {$25.00} statement credit. If I no longer qualified I did not want access to the subscription service. I was told no that they were unable to do that and have since filed a complain with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX! XXXX DOB - XX/XX/XXXX LAST 4 SSN - XXXX FILE NUMBER XXXX PLEASE APPLY THESE LAWS TO MY ACCOUNTS : I AM WRITING TO ASK THAT YOU DELETE ALL UNAUTHORIZED INQUIRIES, DEROGATORY REMARKS, AND CLOSED ACCOUNTS, ALSO FRAUDULENT ITEMS THAT I HAVE FOUND IN MY CREDIT REPORT. I HAVE REACHED OUT TO ALL 3 CREDIT BUREAUS TO REPORT THESE ITEMS BUT HAVE YET RECEIVED ANY RESOLUTION. I AM AGAIN ASKING THE ITEMS LISTED BELOW TO PLEASE BE DELETED FROM MY FILE AS MANY OF THESE ITEMS ARE MISREPRESENTED ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS AND DEROGATORY REMARKS HAVE MADE IT HARD FOR ME TO LIVE A DECENT LIFE. 


DEAR SIRS/MAMS THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has continued to create roadblocks to my checking my report with EQUIFAX. Please investigate this repeat offender. This company has exposed my information in a day breach and I have had problems with the consumer report, receiving credit and other issues. I've had lots of mental anguish. I am worn with this company and the fraudulently activity committed against me. Please make this matter public. This credit reporting agency has allowed several companies to access my consumer file on an unauthorized basis a total of XXXX  times, so far.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX AUTO XXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX BRINKS XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was wrongfully taken advantage of while i was in desperate need of a vehicle! I traded in my previous vechicle a XXXX XXXXXXXX XXXX  and the dealership told me the trade in amount for my vehicle was XXXX dollars.The dealership was XXXXXXXX XXXX XXXX in XXXX XXXX. They offer me a vechile a XXXX XXXX escape at XXXX dollars! The sales person name XXXX told thats the only car I was approved for by credit acceptance he didnt let me pick any other car cause according to the sales man XXXX I was only able to get approved for the XXXX  XXXX. I ask if i could look at the vehicle prior to signing anything he said the vehicle was getting nomal maintenance done brakes, oil change etc. I was in desperate need of a vehicle as my vehicle was my main source to get to my jobs! XXXX didnt let me see the contract he just told me to give him aside of my trade in vehicle a down payment of XXXX dollars. And that he had gotte me approved for a loan for credit acceptance for XXXX a month. He didnt discusses the terms of finance terms and lengths of the terms either. After he gave me the contract maybe a few days after withe the vehicle maybe 4 days after signing i seen the terms of the loan and also the vehicle was in a bad condition brakes werent probably working and the vehicle was getting over heated. I contacted the finance company credit acceptance and the sales man to let them know i need to get my money back or cancel my contract i was told they could cancel my contract as my trade in they had sold it already.. the only solution they gave me is to keep the vehicle for a few weeks while they try to.search for another vechile for me! I waited about XXXX weeks and never got a response.after a month past i contract credit acceptance and told them how my payment was due and the sales man told me not to make the payment since i wasnt gon na keep my vehicle. 2 months past and apparently now XXXX is of the country until XX/XX/XXXX .now my vehicle was repossessed for not making the payments and had to pay XXXX dollars to recover my vehicle. Vechile has given me nothing but problems since day one an had no luck getting help from car dealer or finance company. Now im stuck on a XXXX car loan on a vehicle that the engine is in bad shape! Transmission is stalls and have put so much money on repairs withing a year and my monthly payment for my loan went up from XXXX to XXXX after repossession and my loan of XXXX has not lower at all within a year .so unfair these people take advantage of people hard working money. Try to come to a solution with both the dealership and finance company with no success. Very frustrating to have to pay XXXX monthly on a vehicle tht no longer reliable and not lowering my loan amount at at as every month after making my payment i get charged XXXX intrested charge.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Holloway Credit Solutions LLC says that I owe {$35.00} to a XXXX XXXX but no such company exists in the state that I currently reside and no attempts from the XXXX XXXX were made to collect payment prior to sending to debt collection. 

XXXX XXXX does not EXIST. I have never been a patient/customer to any medical business named XXXX XXXX. 

Reviews for this company allege that several customers have had credit items reported for doctors visits and medical services that they never visited nor never had. I believe that this is my case, as well. 

Holloway Credit Solutions LLC have sent a bill to my house but that is the only contact Ive received about owing someone {$35.00}
Product: Mortgage

Rocket Mortgage ( is the second party in complaint XXXX ) And XXXX XXXX XXXX XXXX ( XXXX ) different inquiries for ( XXXX ) different loan amountsXXXX XXXX XXXX XXXX XXXX XXXX for {$200000.00}. Rocket Mortgage LLC loan # XXXX {$200000.00}. With the " facts '' stated. And I even gave XXXX " an opportunity to cure still didn't want to hear it. The inquiry on my consumer report is evidence that XXXX received the money as a credit. The estate name is on the application. The trust is in the natural persons name, evidencing who is the beneficiary of that said trust. Im the beneficial owner of that traded security account. My natural name registered, via copies of IRS form XXXX as Power of attorney and Form XXXX to make any claims on the estate. As beneficiary I would like the security interest value of the asset released immediately 15USC1615. Send certified cashiers check in the amount of {$200000.00} with in 10 business days to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Experian XXXX XXXX XXXX XXXX, Tx XXXX I have previously disputed this item with you US Bankruptcy CourtXXXX XXXX XXXX Case Number XXXX and Experian and in response they verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 
XXXX XXXX
Product: Checking or savings account

In XXXX of XXXX I took a rent check in the amount of {$4000.00} to my renters bank ( Bank of America in XXXX. XXXX, XXXX XXXX, Washington ). The renter had been given notice to Pay or Vacate and was going to be evicted. The teller cashed the check and gave me {$4000.00} cash. Done deal - cash in hand. This allowed my tenant to stay and evade eviction at that time. 
On XX/XX/XXXX, after almost FIVE months, without my permission and without any notice, BOA took everything from my personal checking account, ( {$3700.00} ). I was even charged a monthly service fee because my balance dropped below {$1000.00}. 
If they had not cashed the check, my tenant would have been evicted in XXXX, but I had to begin the eviction process again and he was evicted in XX/XX/XXXX. 
I could have dealt with this if BOA had notified me in a reasonable amount of time, but I can do NOTHING after 5 months. At this late date, I have no way to get it back.
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Checking or savings account

So I walk in to a Citi Bank Branch and the banker helps me open a new account, and I deposit money into the account. Come the following day, I go online to check my account at it shows my account being blocked. I called Citi Banks customer service and which they directed me to their faud dept, not giving me a reason why my account was blocked and closed and I just opened the account the day prior. I walked into the bank showed my DL license and my SSN, and opened my account with no problems. Now my money is tied up again with this bank with no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX. INQUIRIES : XXXX  XXXX, XXXX  XXXX XXXX  I have contacted my local police and the FTC. I am doing this on my behalf.
Product: Credit reporting

I dispute a item on my equifax credit report more than thirty days ago. When I called equifax and spoke with the representative I was told it was n't disputed. However, when I looked at my report online it was disputed XXXX XXXX, 2016. No results were returned from the dispute I ask that the item be deleted since its been more than 30 days. I was told no because it was n't dispute. The item I disputed was XXXX for {$120.00}.
Product: Debt collection

Debt was added to my credit report without prior notice. This is not my debt and has been proven valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the erroneous information that your company has reported on my credit file. As someone who understands the intricacies of consumer law and credit reporting, I can confidently assert that the inaccuracies in your reporting violate multiple federal regulations. 

Legal Violations Identified : 1.Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This section mandates the complete and accurate communication of information by debt collectors. Your failure to provide accurate information is not just a simple oversight but a clear breach of this regulation.

2.Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This law requires debt collectors to validate and communicate debt information clearly and comprehensively. The data you provided lacks the necessary clarity and accuracy, resulting in substantial confusion and misrepresentation on my credit report.

3.Violation of 12 CFR 1006.34 ( d ) : This regulation requires that written notice of debt be sent within five days of initial communication. I have yet to receive any such notice that meets these legal standards, further compounding the issues with your reporting.

4.Violation of 15 USC 1661-s 2 ( 7 ) ( a ) : Under this federal statute, all information furnished to credit bureaus must be accurate and current. Your companys failure to update or correct the misinformation constitutes a serious violation of my rights under this law. 

In light of these infractions, I demand the immediate removal of the inaccurate information from all three major credit reporting agenciesEquifax, XXXX, and XXXX. I also request written confirmation that this information has been deleted and that no further reporting will be made unless it fully complies with all applicable laws. 

Please be advised that if this matter is not resolved within 30 days, I am prepared to escalate the situation by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies to protect my rights. 

I trust that you will treat this matter with the urgency and seriousness it warrants. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.

4. The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DEPTEDXXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DEPTEDXXXX
Product: Credit reporting or other personal consumer reports

Since XXXX I have been trying to get the bureaus to do their job well since I have sent them notifications to please correct some errors in my credit report, I know that by law they should have done this in 45 days maximum, however until the moment I have been ignored. 

Also many creditors who have already sold the account to collection agencies continue to harass me trying to collect, according to my knowledge this should not be like that, the credit bureaus should regulate it
Product: Credit reporting or other personal consumer reports

This is my final demand for the immediate removal of the inaccurate and unverified account listed below from my Equifax credit report : XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX