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

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX Inquiry Date XX/XX/XXXX ; US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Debt collection

Midland Credit Management has violated the Fair Debt Collection Practice Act by contacting a debtor at inconvenient times unless the debtor allows it. At no time is it convenient for me to be contacted. Midland Credit Management has also violated the Fair Debt Collection Practice Act by harassing me, as well as using language I consider to be obscene in their written notifications. Midland Credit Management is not the original owner of the Debt and therefore has no right to contact me stating they are " attempting to collect a debt. ''
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 prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

On XX/XX/XXXX, Fed Loan Servicing posted a payment of {$10000.00} to my student loan account. The envelope containing this check had a second check in the amount of {$4200.00} in addition to a copy of my billing statement. The {$4200.00} check did not post to my account. On XX/XX/XXXX, I called customer service and talked to a supervisor. I  was told that my check was deposited in a holding account because they did not know where it was to be applied. I was told that the money would be applied to my account and would reflect on XX/XX/XXXX. It is now XX/XX/XXXX and the payment still has not posted to my account. This is a large sum that will pay off my loan. I do not know how to get them to apply the payment. A stop payment is not an option as they have already negotiated the check. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

EVER SINCE XXXX & EQUIFAX DATA BREACHES I AM NO LONGER ABLE TO SEE XXXX IN MONITORING SERVICES..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  Account should be deleted as of  XXXX    XXXX   according to report  XXXX   ( have had problems in the past with prompt deletion when dealing with TransUnion directly ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX  account # XXXX In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these XXXX unverified accounts as of today. Thank you
Product: Bank account or service

1. I opened a mortgage, savings, and checking account with Bank of America in XXXX 2. At that time there were no fees for the accounts I opened. They were very simple accounts. 
3. At some point, I remember XXXX - they changed my accounts to a higher level but it carried fees 4. I called them about those fees and they said do n't worry, you 'll be covered. 
5. I paid off my mortgage in XXXX. Checking my accounts I find they charged me repeated fees in XXXX, XXXX, and XXXX. 
7. I called Bank of America to get those fees reversed because their representatives had told me the fees would not occur anymore. Spoke with XXXX ( Rep, no employee ID ) and XXXX ( Manager, employee number XXXX ). They were unwilling to reverse the fees so I asked to speak to XXXX 's boss - XXXX. 
8. I closed my accounts with Bank of America because I feel it is dishonest to charge for reason of an upcharged account I never asked for to begin with.
Product: Mortgage

My real estate taxes are $ XXXX/year and due on XX/XX/XXXX. As of my last statement on XX/XX/XXXX, Bank of America already has {$830.00} in escrow and will be taking an additional {$66.00} in XXXX and XXXX resulting in an escrow balance of {$970.00} to pay my {$730.00}. This is {$24000.00} more than needed. In addition, going forward they will have collected {$800.00} from me by the time my 2019 tax bill becomes due. My complaint is that the bank is withholding excess funds into my escrow account/
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 proccess was unfair and deceptive, as they did not comply with error resolution requirements + under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im missing a credit card that should be on my credit profile it is on my husbands credit report and not on mine. The credit card was with XXXX. It was opened XXXX XXXX. Its missing on my profile, it said status updated on XX/XX/2017. It was a joint account, underwritten by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX United States Code, imprisoned for not more than XXXX years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( XXXX  ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I placed an order on XX/XX/2024 with merchant at this website XXXX XXXX XXXX order # XXXX with the AfterPay pay in 4 option. I let a week pass and no shipping confirmation was sent or reason for delay. I emailed the customer service email they provided on their order confirmation which is XXXX on XX/XX/2024 to ask for an update on shipping and my order. There has been no response to this email to date. I emailed them again on XX/XX/2024 to please cancel my order and issue a refund to AfterPay ( my payment method ) since my order had not shipped. There has been no reply to this email to date. I followed AfterPay 's policy to open a dispute on XX/XX/2024. To date, they have not issued a chargeback in order to have the merchant refund. They responded on XX/XX/2024 and XX/XX/2024 to the dispute stating that they do not have an update but that it's in progress. I need them to file a chargeback and issue my refund for the amount I've paid. I've paid {$26.00} to date and my next installment is due. on XX/XX/2024. They need to file a chargeback of {$35.00} from the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX
Product: Debt collection

I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and California identity theft and fraud laws, specifically California Civil Code Section 1798.92 and related statutes. 

It has unequivocally come to my attention that MCM COLLECTIONS/ MIDLAND CREDIT MANAGEMENT, Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, California state law emphasizes the necessity of consumer consent for credit reporting. California Civil Code Section 1798.92 establishes clear guidelines for the protection of personal information and the severe consequences of identity theft and fraud. 

I assert with unwavering certainty that I have not provided consent for MCM COLLECTIONS/ MIDLAND CREDIT MANAGEMENT, to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MCM COLLECTIONS/ MIDLAND CREDIT MANAGEMENT, immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Section 1798.92. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and California state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MCM COLLECTIONS/ MIDLAND CREDIT MANAGEMENT, will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Experian Credit Reporting Re : Hard Inquiry. 

Dear Sir / Madam, During the review of my consumer credit report recently, I noticed XXXX hard inquiries placed in my consumer report by XXXX XXXX XXXX on XX/XX/XXXX, and anther by XXXX XXXX on XXXX which is ( 31 DAYS ) which is a violation according to CFPB. 

According to CFPB publication of XX/XX/XXXX, title WHAT HAPPENS WHEN A MORTGAGE LENDER CHECKS MY CREDIT, the agency stated that WITHIN 45 DAYS WINDOW, MULTIPLE CREDIT CHECKS FROM MORTAGE LENDERS ARE RECORDED ON YOUR CREDIT REPORT AS A SINGLE INQUIRY. PLEASE SEE CFPB PUBLICATION ATTACHED TO THIS COMPLAINT. 

Please, kindly remove the above-mentioned hard inquiries from my consumer report because you are in violation of CPFB rule.
Product: Credit card

sears just closed my account thats been open for a couple years for no reason i paid on time i have no big balance with them
Product: Mortgage

My home was foreclosed in 2014. Nationstar mortgage company has continued to want payment on XXXX Mortgage though the XXXX mortgage no longer exists. I have written them 2 times, and emailed them as well to resolve the issue and offer a payoff amount. They finally sent a letter back that I received on XX/XX/XXXX stating that they are looking into my request for a negotiated payoff. In addition to the first issue of paying off the XXXX mortgage, I also have a company named XXXX and XXXX that is stating that they took over the portion of the foreclosed loan from the XXXX mortgage that was left over after the foreclosure sale took place ( approximately {$170000.00} ). I need Nationstar to verify that Nationstar mortgage has authorized XXXX XXXX XXXX to act as debt collector and that I owe a balance of $ over XXXX on the first mortgage that went into foreclosure at my home located in XXXX. The letter sent back to me from Nationstar made no mention of nor did it answer to my request to get verification of this other debt collectors authorization to collect this debt since from what I know, once a foreclosure has taken place, I am no longer responsible for the foreclosed loan. I have also called Nationstar numerous times about settling the second debt and getting clarification on what if any, amount I owe on the XXXX mortgage after foreclosure. Whenever I call, the customer rep attempts to get me to make a payment on the XXXX loan and tells me to call another department regarding my questions. It has been a nightmare trying to communicate with Nationstar since we had initially agreed to do a deed in lieu to avoid foreclosure and without direct notice to me, Nationstar decided to put the home in foreclosure when it would have been very easy for me to do a short sale if the deed in lieu process was no longer an option. I spoke to a housing agency that helps consumers try to avoid foreclosure and they mentioned that they have never heard of another company like XXXX XXXX XXXX take over as a debt collector on a home that has already gone into foreclosure and continue to attempt to collect on and claim that I owe a balance of {$170000.00} on the first mortgage that went into foreclosure at my home. Please advise.
Product: Payday loan, title loan, or personal loan

I have a Home Project Loan with Wells Fargo. I have paid on time and in excess of the amounts due yet Wells insists on charging late fees. I was charged {$27.00} on XX/XX/XXXX ; {$38.00} on on XX/XX/XXXX; and {$1.00} on XX/XX/XXXX. Again, all while paying in advance of amounts due and in advance of due dates.
Product: Debt collection

XX/XX/XXXX received a letter from my place of business ( a garnishhe disclosure ) that velo law office was garnishing my wages I spoke to velo law office they stated it was fromXX/XX/XXXX originally. They stated it was from XX/XX/XXXX for {$1000.00}. 

I then called XX/XX/XXXX. I was told this account was sold to dnf but was bought back in XXXX because the account was closed due to fraud and was taking off my credit report and the account was closed. 

The law office of velo law said they served me in XXXX. Which I was not served for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

so what problem im having right now is im using paypal credit and ive been using their service and paying off my loans every week and my standard interest wasnt too high before like around XXXX but all of the sudden it raised up to XXXX which is insane i didnt even buy any big purchases at all recently at all it just skyrocketed out of know where and im very worried about and i cant afford XXXX dollars to pay off something you know i feel like ive been scammed and got overcharged for my dues when im paying it off every week im worried really worried!
Product: Credit reporting

THERE ARE MULTIPLE HARD CREDIT INQUIRIES FROM THE SAME COMPANY AND MULTIPLE INQUIRIES FOR AN AUTO LOAN ON MY CREDIT REPORT GIVING ME A BAD CREDIT SCORE. HOW DO I OR CAN I HAVE THEM REMOVED. TRIED THE DISPUTE OPTION AND GOT NO WHERE.
Product: Credit reporting or other personal consumer reports

The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; 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 XXXXXXXX Pursuant to 15USC1681b, I am requesting to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). 
You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Debt collection

Debt was paid at the hospital before the hospital would complete a XXXX procedure on my wife in XX/XX/2019. Works and Lentz continues to harass me and my wife. They have continually called my wife 's place of employment. The caller states that they are a lawyer and will sue us if we don't pay them also. Caller says that we still owe them even if we paid the hospital directly.
Product: Credit card

Please see the attached documents. I request the bureau to conduct an investigation into these accounts, as I am consistently on time, and yet they report me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion is showing XXXXXXXX XXXX XXXX  which is not mine due to someone stilling my Identity I have tried contacting them. Also with XXXXXXXX XXXX not my account either. XXXX has been on my credit report for 11 years, it should be removed by now.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 

XXXX XXXX