23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management , Inc. ( MCM ) has continued collection efforts on an alleged debt, despite multiple written requests for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Since XX/XX/XXXX, I have sent five debt validation requests via certified mail, all of which they have ignored. Instead of providing proper documentation proving the validity of the debt, they have continued to send me collection notices, stating that they are the legal owner of the account and demanding payment. 

On XX/XX/XXXX I received yet another letter from MCM, threatening further collection activity if I do not respond by XX/XX/XXXX. This is a clear violation of the FDCPA ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), as they are attempting to collect a debt without first validating its legitimacy.
Product: Credit card or prepaid card

This goes with my previous complaint. 
I finally received my XXXX/Bank of America benefits debit card ( which had XXXX XXXX dollars + in the new account ) I activated it for the first time only to find that it had been drained of funds. I immediately notified the bank and XXXX  and have got nowhere with them. They are still committing fraud and are not working it out with me. I want to pursue legal action because I have been dealing with this for over a solid year and thought it had been resolved. It has NOT and I can't even buy food etc... 
Please help me to make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. MIDLAND CREDIT MANAGEMENT has never proved this debt belong to me legally.
Product: Checking or savings account

XXXX ... Bank of America in XXXX ny allowed someone to deposit a check in the amount of XXXX... I am from little rock arkansa and have never been to New york... .they have video of who entered bank but will not release to me without a third party.. cops in new york will not take case cause I don't know who did it. The persons also went in a couple days later and withdrew XXXX dollars in XXXX XXXXXXXX XXXX XXXX. .my physical address was changed so I did not receive the notices Boa said they sent and it never dawned on them to pick up phone and call me knowing that this account has never handled this type of deposit putting me and my family in undue hardship... I contacted fraud dept numerous times to no avail .... I have had an account over 20 years and have never had any problems of them contacting me ..they have closed and frozen my account for something that I had nothing to do with ... any assistance u can give will be greatly appreciated... instead of them going after who did this they are punishing me
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they didn't comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Central Bank repossessed car after denying that my XXXX payments made through their payment website within XXXX month of " late '' pay issue. They offered no assistance in correcting issue. The bank also ordered the repo 5 days in advance ; over a monday bank holiday, after banks closed on sunday, and banking half hours on saturday ; in which i had tried to make payments on more than XXXX occassion ; after being denied a 'receipt ' on account payment from loan dept. over phone, as well as, by the live cashier in the bank lobby ; Resulting, at XXXX, a call arrangement in agreement with loan mgr at my local bank- if i was paying cash-by XXXX ( tue ) that day. The repo driver at XXXX that night, who told me that the order had been issued " a couple days ago '' : ( which would have been XXXX holiday mon, XXXX sun closed, XXXX. Sat half hours, and day # XXXX *Fri for mgr at bank to work that day ) that i " deserved what i was getting bc i 'had not paid my car loan ' ". First of all!!! I Did Pay {$500.00} in previous XXXX weeks to that loan that was current to that date!! Second!!?? WHO IS HE TO TELL ME THAT I DIDN'T MAKE MY PAYMENTS and THAT I DESERVED ANY!! THING THAT HE ( uninvited/tresspassilng ) could or WOULD DO TO ME AT XXXX PM ON MY PROPERTY??? 
I live XXXX min from my bank, WITHOUT MY CAR, after a holiday, and, after, this so-called, bank had shut down all XXXX of my XXXX year old accounts and deleted my account history from the only bank that i had any financial accounts with!! ( Now, no ride=Unemployed ) i had to find and secure a {$7000.00} 'cash ' loan and get to an open bank XXXX. in less than XXXX hour.?XXXX XXXX XXXXsure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is violating the law by not removing two fraudulent inquiries they are reporting in my credit files. 

XXXX has had proper notice and proper documentation in this complaint that includes an identity theft account and police report even after several days of reporting this complaint to XXXX. 

XXXX has record that I have provided an identity theft report and police report outlining these two specific fraud inquiry issues and you will see required documentation to order these unknown and non consensual inquiries in the following two false inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX  stands for XXXX XXXX XXXX XXXX XXXX the Attorney Generals Office and could be precariously posted as XXXX  as reported in the identity report I am sure they accidentally overlooked it and I agree not to sue, please remove these two inquiries, thank you see attached. XXXX. XXXX failure to remove a XXXX XXXX XXXX, an identity theft account after providing the proper documents. ( XXXX XXXX XXXX  ) And, XXXX. XXXX still has not removed inquiries ( XXXX ) from my credit file that was provided to them in an identity theft report and police report ( XXXX inquiry )
Product: Credit reporting or other personal consumer reports

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a XXXX either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am disappointed and upset that the credit bureaus would not care about my consumer report. I recently pulled a XXXX  crrdit report and was applaud with all of the negative things that are reporting illegally on my consumer report. I have not given and credit bureaus or company permission to the attached account into my report. This is violating my rights and breaking the law. I am requesting that this following charge off that is in the attachments be removed immdiately.This is going against the law per 18 U.S. Code 1028A - Aggravated identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple companies inquired my credit without my consent
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, I will have marked up consumer reports from Transunion proving that my Federal Consumer Rights are being violated. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the US DEPT OF EDUCATION reporting. 15 U.S. Code 1681n - Civil liability. Under 15 USC 6802 - Obligations with respect to disclosures of personal information and 12 CFR 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION, I XXXX XXXX opt out of the US DEPT OF EDUCATION being reported on my consumer reports. 15 U.S.C 1681 section 602 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). Also, according to 15 USC 6805 - Enforcement, it states how the Bureau of Consumer Financial Protection ( CFPB ) has to enforce the regulations. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. 15 USC 1681a-exclusions, report containing information solely as to TRANSACTION or EXPERIENCES between the consumer and the person making the report. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion is not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were made without my knowledge and need to be removed from my credit profile : XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX   Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020
Product: Money transfer, virtual currency, or money service

This complaint refers to a previous complaint, ID XXXX, that Chase did not address. 
In their previous response, Chase referred to their Digital Services Agreement to justify their right to delay, block or cancel a payment. However, Chase did not explain why they gave misleading information, at multiple times. 
Chase blocked a wire transfer that I initiated on-line on XX/XX/2021, and specifically asked for missing information such as my Name, Address, DOB, XXXX. All information was submitted twice, both on-line and at the branch. Each time, there was an acknowledging email message, confirming a response would be sent to me within 2 days. In addition, the Chase branch manager, upon contacting the Chase XXXX XXXX department, told me that a reply would be available within 2 days, as he confirmed in his letter XX/XX/2021. The bank never provided any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. There should also be more regulation on this industry. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Mortgage

I obtained a Loan Modification through the Bankruptcy XXXX process & The Mortgage Servicer deliberately refuses to accept my payments over a period of 2 years with no explanation or justification .I have sent XXXX Wire Transfer to them for my Mortgage Payments & they have refused everyone of my payments, My Mortgage payment monthly is {$3100.00} But they have insisted to XXXX XXXX {$4100.00} the Principal XXXX XXXX XXXX the same I have sent them the statement from the XXXX Department XXXX XXXX XXXX my Annual Property Taxes I have sent them a Statement from my Homeowners XXXX XXXX the Annual Amount for my Homeowners XXXX XXXX Yet they have refused to honor the legitimate proofs,, My Home was completely destroyed bey a fire & I still submitted my payments & they refused all payments .They choose to send me misinformation & wilfully misleading information, My life is in constant Limbo XXXX am entitled to compensation from XXXX XXXX due XXXX XXXX fact they have violated numerous Consent Orders from The CFPB, The XXXX Treasury Department XXXX XXXX XXXX of XXXX Comptroller of the Currency XXXX XXXX New York XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX credit rating due to their negligence has decreased tremendously, causing me to be unable to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to discriminate and perform deceptive practices. I've reached out to them multiple times to try to remedy the situation with them but they continue to violate federal law. Persuant to 15 USC 1681c-2 ( A ) a consumer reporting agency shall block the reporting of any information that resulted from alleged identity theft not later than 4 business days after the date of receipt. Pursuant to 15 USC 1692c ( c ) I wrote them to invoke my specified remedy as a consumer and original creditor and demanded them to cease and desist from reporting these fraudulent accounts and they still have not done so. Federal law trumps policy and navy federal does not seem to believe so. I attached my ftc report my identification card and my affidavit of truth under 15 USC 1681c-2 ( A ) the accounts should have been deleted immediately after the receipt of the documentation. I will attach all documentation that I have sent to this company I have made a complaint with the XXXX  and attorney generals office the next will be my lawyer drafting a complaint in federal court.
Product: Credit reporting or other personal consumer reports

The late payments on my report don't match my history. Correct these inaccuracies, please.
Product: Payday loan

I got a loan from a Payday Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my 1 st payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my 1st payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a 30 payday loan i could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} i told them i was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since i was paying early that i had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} To her I will be in jail she was so rude to me My XXXX are falling apart ehat can I do. Thank You.
Product: Credit reporting or other personal consumer reports

I believe my information may have been part of a data breach I have late reporting on my account thats do not belong to me I have reached out to the institutions and was told it would be handled immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on 01/11/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

Experian continues to report a collection from orig creditor XXXX XXXX which has used 5 different collection agencies to collect an invalid debt for acct # XXXX in the amount of {$290.00} for which the acct was pd in full & equipment returned when I closed it back in XXXX just before my move to California. It was 1st listed by XXXX XXXX XXXX listings totaling amount above which I disputed & provided the docs showing the balance was paid in full along with equip return and the file was deleted from my report so being that this was resolved I shredded the file. To my surprise in XXXX  XXXXhey listed with yet another collection agency XXXX and again with XXXX XXXX  which I disputed again stating this was a collection that was previously deleted from my report and finally deleted from report again now in XXXX they have managed to use another collection agency called Radius to list this same invalid collection account for which I disputed again but being that I could not provide them with the receipts originally provided back in XXXX  they claim that the debt is valid- this is ridiculous the amount of time I have wasted disputing an invalid debt for which proof was provided and has been taken off my report more than 3 times yet they get away with listing this again. Please help!
Product: Debt collection

My credit report is showing a collection account from a debt collector that I never gave permission signature to collect on this debt. The collection is from Credence Resource Mana on XXXX. I never received written notification about this debt so, I had no chance to dispute this debt. I am also requesting debt validation, in this debt validation I am asking for a detailed list of history of payments, the signature I put on the contract guranteeing that I pay this debt, I want to see proof that you have chain of title to collect on this debt according to U.S code 1692 this collection needs to be removed immediately.
Product: Credit card

I received an email that XXXX XXXX has opened a credit-Debit card in name. I called them and they said that they would investigate it. They didnt. I called them again and recorded this call. I was told they would not close the account. I filed with you - XXXX. They told you that they would close they account. They lied. They want additional private information. I am XXXX, XXXX in the left side, on XXXX XXXX with no other source of income and this outfit prays on seniors. I thought that hackers had done this, but based on other complaints, they did it by combing public records. I am attaching their latest refusal to close the account they or someone else fraudulently took out in my name. I want damages, now, along with detailed records on any transactions XXXX have conducted or that were attempted under my name. I want them, then, to destroy and not possess any personal information about me, including Social Security and XXXX ID, medical records. I do not trust them and as if they have a XXXX pointed at my head.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. TransUnion, XXXX and XXXX is reporting late payments on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX and/ or XXXX is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave TransUnion, XXXX or XXXX written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to TransUnion violated my consumer rights by allowing these late payments/utilization to report to my consumer report!