23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management XXXXXXXX XXXX  XXXX Acct @ XXXX Called my Spouse. Number was not used to sign up for account. They disclosed they were calling for a debt with amount owed. From Midland Credit for XXXXXXXX XXXX. They did this on two occasions after I called and notified them of the third party disclosure.
Product: Credit reporting

I have hard and soft inquiries that are not from me they are from my ex now hevea doing this when we were separated and I do not want them on my credit report! XXXX XXXX XXXX is correct but the others are unknown to me or over 2 years! Please remove!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2024, I checked into the XXXX XXXX in XXXX, XXXX. The hotel held {$520.00} for the XXXX was far over the amount needed to hold a {$240.00} stay, but the desk clerk made an error and that amount was held. I had the amount in my CashApp account, so it wasnt an issue. 

Thereafter, on XX/XX/year>2024 I checked into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX My stay was originally for one night, of which {$180.00} was held for a {$150.00} bill, but a second night was required because I was injured while there, so a second {$180.00} was held, and again, the bill was less than the amount held.

So, Cash App held {$520.00} for one stay in XXXX, and {$360.00} for the two-day stay in XXXX. 

For some reason, one of the XXXX stays resolved within a week of my return, and that hold dropped off. However, the two other holds, one for {$520.00} ( for a resolved bill that totaled {$240.00} ) and another one for {$180.00} ( for a resolved bill of XXXX ) are STILL being held nearly a month later. 

I have sent Cash App Support numerous emails about this, providing them the bills with the final totals, and I have confirmed with each hotel that the holds that they put on the money have indeed dropped off weeks ago, so there is no hotel-originated hold on the funds. Cash App still will not release the funds. They have told me verbally that as of XX/XX/year>2024 they updated their XXXX  to indicate that they are arbitrarily able to hold any funds for up to 31 days at will. I do not remember signing any agreement to that, and such an agreement is really an indication of bad faith on the part of Cash App. Why has every restaurant, gas station, etc. that I used on that trip ( all of whom placed temporary holds on the money ) not had their holds held by Cash App? Why is it only my transactions with XXXX XXXX that has been subject to having money held? Why is it that when the corporations provide evidence that the bills have been resolved and that there is no more hold, that Cash App is still holding the money?

I am angry that any financial organization that tries to surreptitiously make interest on my money by arbitrarily holding it without cause for up to a month after the transaction. This is not a transaction in good faith on the part of Cash App. They know that these voluminous Terms of Service are difficult to read and understand,
and that most people will not get that they have agreed to have their money withheld from them for no reason, arbitrarily. 

I need your assistance in making sure that I get my money back, and that no one has to go through this again. Cash App should specifically advise each of their consumers a specific disclaimer that this is their new policy, and what they will do with hotel bills. Had I known that this would be the issue, I would never have used this card for my travel. I only used it because I had experienced trouble with my bank account several times with travel, and I wanted to protect my bank accounts yet still use cash when I traveled.

Thank you, in advance, for looking into this and hopefully resolving it.
Product: Mortgage

We have been trying to get a loan mod, for years with sending in documents and saying we didn't.
Product: Consumer Loan

When I signed the papers, every time it said no penalty for early repayment, the agent put his finger on the page to point that out, so his finger hid the next line, which said : but you still have to pay the interest for the full term.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year>2025 XXXX. XXXX XXXX - XX/XX/year>2025 2025
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Bank Date Opened XX/XX/XXXX Balance {$270.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$470.00} XXXX Date Opened XX/XX/XXXX Balance {$11000.00XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigate Based on my communications with all the credit agencies in XXXX of 2022, regarding the inaccurate information posted to my credit report ; I explained to all 3 agencies to investigate the information posted that was not accurate. Their response was that the information posted was accurate per their investigation. I asked if they could investigate each account listed on my file. 

According to the Fair Credit Reporting Act the term investigative consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item ( s ).

They also stated that my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts reported are not 100 % accurate. Additionally, according to the Fair Credit Reporting Act 15 U.S. C. 1681 everything has to be 100 % accurate. I have downloaded a copy of my credit report. 

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
1. ) XXXX  XXXX bankruptcy # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 602 A States I have the privacy.

15 U.S.C 1681 Section 604 A It also States consumer reporting agency can not furnish an account with writer Instructions.

15 U.S.C. 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 15 U.S. Code 1692b not use any language or symbol on any envelope or in the contents of any communication affected by the mails or XXXX  that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Good day Sir/Madam I am writing this letter to request a removal for these following hard inquiries on my transunion credit report starting from top of report to bottom : XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing these companies in question to view my credit report. The listed inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act. I kindly ask that these inquiries be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. I have enclosed a copy of my drivers license for verification. 

Your immediate attention is much appreciated Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian forces their customers to cancel an account via telephone, however the wait time to speak to a representative is consistently over one hour. I waited nearly two hours before speaking with someone ( see attachment documenting the call-time via my wireless provider ). 

The wait time is unreasonable and is clearly intended to draw frustration in the hope that consumers do not follow through in canceling their account. This experience is not unordinary and has become common enough that it's likely a customer retention strategy.
Product: Checking or savings account

I am a XXXX XXXX speaker and I am getting assistance writing this complaint at a self-help legal clinic. I prefer that any response be in XXXX. 

On XX/XX/year> I tried to deposit {$3900.00} in cash at an ATM at a Bank of America branch at XXXX XXXX XXXX XXXX. in XXXX, CA, into the joint checking account I share with my husband ( acct # XXXX ). I fed all of the money into the ATM and then the machine malfunctioned ( there were loud beeping noises and letters on the screen that I couldn't understand ). I saw two other people who were having similar issues with the ATM machines that day. 

I went inside the bank to try to get help and when I returned, it appeared that the machine was working again. It returned my card and {$100.00} that I had deposited. I fed the {$100.00} back into the machine and it worked. Then, when I checked my online banking account, I realized that only {$300.00} of the original deposit plus the {$100.00} from the second transaction appeared in my account. {$3500.00} of the money that I fed into the machine never appeared in my account. I went back into the bank to try to get help but it was difficult to find someone who I could communicate with in XXXX. When I did, they told me that there was nothing they could do and I needed to call the number on the ATM. 

I called the number and made a report on XX/XX/year>. On XX/XX/year>, I received a response from Bank of America via letter stating that after an investigation they concluded that there was no record that I had deposited the missing {$3500.00} into the account. They did not include any details pertaining to the investigation they conducted. On XX/XX/year> I received notice via letter that Bank of America that they were closing my personal checking account ( acct # XXXX ). They informed me via phone that they were actually closing both the joint account and my personal account on XX/XX/year>. The funds in both accounts are currently frozen. 

I am still missing the {$3500.00} in cash that I deposited into the ATM and now do not have access to the funds in either my joint account or my personal account. This causes great hardship to me and my family as we depended on these funds for our basic needs.
Product: Credit reporting or other personal consumer reports

Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX Contrary to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Equifax Information Services, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act. 

Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the XXXX system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information. 



Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ).

Moreover, it has come to my attention that the information shared through credit bureaus like Equifax has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors. 



As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts. 

Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions. 



Please be advised that persistent contacts from XXXX XXXX based on false or unverified information reported through Equifax may result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. 



I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Inquiry date : XX/XX/22 XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX, my credit card account was hacked by someone who drew {$1000.00} through XXXX XXXX XXXX NY Digital Account Number XXXX. By that time, I did not know about this case. Started from XX/XX/XXXX, the late fee and interest began charging. Until XXXX, XXXX, I found this charge when I checked my credit card online. That I reported to Citicard. They spent several months to do investigation. Then in XXXX, they cancelled the {$1000.00} charge but not the late fees and interest. The late fee and interest was {$110.00} in XXXX. This charge continued to grow and right now, it accumulated to {$360.00}. Around in XXXX, XXXX, I gave a call to Citicard with the phone number of XXXX. The representative could not help and transferred me to other department. Turn out no solution. A few days ago, I received a message from Citicard and requested me to pay the due charge. I gave a call to the phone number of XXXX and told to the representative with my story. She called her manager for help. But the manager said that she could not do anything.
Product: Debt collection

CBE Group is collecting a debt on behalf of XXXX XXXX for equipment that was returned. I spoke to a specific gentlemen ( XXXX XXXX XXXX ) and he assured me it was marked as returned and I assumed at that time everything was fine. Come to find out later a debt was placed on XXXX, XXXX, and XXXX in my name for the aforementioned equipment. I would like for this to be removed from my credit report immediately as it is prohibiting me from buying a home for my family. It is my understanding that only accurate information may be reported to the credit bureaus and this is a clear violation of the FCRA. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma is reporting my credit usage as fair rating and high impact which is inaccurate.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified letters were sent to XXXX, Experian and XXXX requesting a method of verification of items being reported on my credit report the first of XXXX. The items were received by XX/XX/11. I have yet to receive the method of verification and due to them not complying with the FCRA, the items must be deleted based on the credit bureau 's lack of compliance with the method of verification. If these items are not deleted, I will be pursuing legal action. 
The accounts in question are XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. Below are the tracking numbers of the certified letters sent out. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached is a copy of the letter sent out to the bureau 's. One was sent in regards to each account needing verification.
Product: Checking or savings account

I have repeatedly called AHP Servicing to get them to pay my dividends they owe from XX/XX/2023 until present. I have also requested my account be closed and my principal be returned as they promised when I opened the account. I have received the same story from them every time I have called. They promise to pay but never do. It has been 8 months of receiving no dividends nor returning my principal.
Product: Credit card

The company is Concora Credit ( Destiny, Milestone etc. ) on XXXX this company put through a payment of {$1000.00} - my entire credit card balance - through an ACH transaction from my checking account. I did not authorize this payment. When I called to see how this happened, they couldn't tell me and basically just said it went through so ther was nothing they could do. The very day that it cleared - XX/XX/year>, I had two fraudulent charges on my account totally almost my entire credit limit - {$910.00} and {$63.00}. I find it very suspicious that someone authorized paying off my card and then right away maxed it out. I believe this credit card company could be involved in this scam. I called them to dispute the charges right away. So far they have not cleared off of my account and they are saying it could take 60 days. They should be investigated.