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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, please investigate the unverifiable item/accounts/information belowXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim requested Compensation for Payments from Damages incurred by Identity Theft. Trafficker has failed to Comply with Victims Request for Equitable Relief as Required by Applicable Law. 
Victim contends that XXXX  Actions are an attempt to subrogate the rights of Victim.XXXX Bank and XXXX Complaint Pigeon Drop Complaint and Breach of Contract Does credit utilization get reported? No. Your XXXX XXXX is a secured XXXX credit card, so we dont report a credit limit which means that theres no credit utilization attached to your account. Each time you deposit money into your XXXX account, you are setting your own limit on how much you can spend that is independent of a credit limit. We've built the XXXX XXXX this way to help you build a positive credit history. 

AVAILABLE BALANCE {$3600.00} CREDIT LIMIT {$3600.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Victim asserts that upon given an opportunity to cure, XXXX have failed to comply with Victims Assertions. 
Victim contends that Account is in Good Standing and XXXX blocked a Remittance on XX/XX/2023. 
Victim contends the XXXX did not fully Disclose and made material false representations in order to Manipulate Securities in the Name of Victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to look into my request which I feel is in complete violation of the FCRA. I sent them letters OVER 60 days ago that they have yet to respond to, so then I come here and submit the letters showing that they are not responding and they say they will not look into the issue. I am surprised that CFPB actually allows this response, so PLEASE actually help me with this situation! 

Attached is my ID and proof of address so please do not use the same excuse as to why you're not going to help me
Product: Credit reporting or other personal consumer reports

Hey hope all is well, I just viewed my recent credit report from XX/XX/XXXX and I discovered some account that I do not recognize and also I did not authorize any information to be furnished, and this account is erroneous and has no permissible purpose. I have not done business with any of these companies. This account has violated my federally protected rights, delete this account due to violation of Title 15 USC 1681b. ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to title 15 USC 1681 : As the consumer I have the right to privacy and I did not give ANY bureau written permission to furnish these accounts. Also information furnished needs to have " Maximum possible accuracy '' XXXXXXXX XXXX XXXX XXXX 

FCRA SECTION 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Pursuant to USC Title 1692k I will pursue litigation for these violations that is causing defamation of character and financial injuries.
Product: Payday loan, title loan, personal loan, or advance loan

They told me the loan would be 1.9 % interest but it turned out to be 1.9 % per day. The website still advertises misleading info.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the numerous, unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to plague my credit history, causing me substantial distress and financial harm. I first discovered the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency, providing extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. An in-depth investigation into the origins and validity of these items, which I assert are the result of identity theft. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX/prev. late open XXXX XXXX XX/XX/2024 XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX  XX/XX/2024 XXXX XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

KIKOFF LENDING LLC Is being reported as late on XXXX but on XXXX its unknown I have never been late and I want it corrected a reporting not late. I was not late paying on XX/XX/XXXX KIKOFF LENDING LLC Opened : XX/XX/XXXX XXXX
Product: Debt collection

Everest Receivable Services , Inc. is in violation of 15 USC 1692-1692p against XXXX XXXX. On Tuesday XX/XX/2021 My employer received a call from Mr. XXXX XXXX with Everest Receivables Service, Inc. In violation of 15 USC 1692c ( a ) ( 3 ). 

Mr. XXXX asked my employer to please verify the address of XXXX XXXX that lived in Georgia. My employer stated that he could not verify but, would give me his message. 
In violation of 15 USC 1692c ( b ). 

I placed a call back to Mr. XXXX @ XXXX to ask the purpose of his call. Mr. XXXX asked that I verify the last for digits of my SS #. Due to an alarming rate of ID Theft, I informed Mr. XXXX that I would not verify anything that had to due with my SS #. 

At that point, Mr. XXXX 's call to me became abusive in nature and I felt threaten by his tone and his words. In violation of 15 USC 1692d.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

In XX/XX/XXXX XXXX credit card services experienced a system data breach. My credit card account was one of many accounts hacked, and fraudulent charges were made on my account. XX/XX/XXXX closed my account, and I was told, I owed nothing, because of the fraud. XX/XX/XXXX eventually sold this account, as junk debt to Midland Funding, LLC. In XX/XX/XXXX, I began receiving notice via U.S. postal mail collection letters from Midland Funding, LLC, demanding payment of the $XXXX balance, that was cancelled by XXXX XXXX, because of the fraudulent activity. I explained to Midland Funding, LLC representatives, that I did not owe the balance, due to the fraudulent activity, that XXXX closed the account, and waived the balance due to fraud. Midland funding, LLC went through a local small court to get a Default judgement on the account in XXXX XXXX. I sent Midland Funding, LLC a cease and desist communication notice with respect to the debt, because I did not owe the debt, and was not going to pay.In XX/XX/XXXX, the Consumer Financial Protection Bureau, entered into a consent order with Encore Capital, which Midland Funding, LLC, is a mentioned subsidiary of Encore Capital in the consent order, which required Encore Capital, and it's subsidiaries to refund payments, or stop collection efforts on credit card accounts, that were disputed by target debtors, and subject to illegal debt collection tactics.Midland funding, LLC is still using illegal and deceptive collection tactics to try and collect this debt under the default judgement from XX/XX/XXXX. Midland Funding, is underhandedly using employment, and payroll services like XX/XX/XXXX/ XXXX XXXX XXXX, to find my current employer, and use underhanded, as well as questionable tactics to implement payroll garnishment of my wages. The amount Midland Funding, LLC, is now trying to collect $ XXXX based on the XX/XX/XXXX, default judgement on this account. This is totally wrong. I do not want to have to file bankruptcy, just because of a breached data system account, that incurred fraudulent activity, because of the data breach, that XXXX   XXXX dismissed because of the fraudulent activity. I definitely, can not afford a wage garnishment of 25% of my disposable wages, which would force me to file bankruptcy, the stop a garnishment. I need your help, in getting Encore Capital / Midland Funding, LLC to abide by the consent order, which required them to refund payments, and cease collection efforts on these disputed credit card accounts, using illegal debt collection tactics.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling 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 has failed to investigate claims adequately. It was informed that recovering lost funds is impossible and tracking such transactions were 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 their users and myself, vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about mine and many other consumers safety.
Product: Credit reporting or other personal consumer reports

I believe my information has been exposed in the data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Merchants Acceptance Corp phone : XXXX address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX The last person I spoke with was " XXXX ''. They filed a lawsuit beyond the statute of limitations and won a default judgement ( I had to work on the day of court ). Long story short... they won. The problem is they are now reporting the account as open and intentionally tanking my credit score as a retaliatory measure. 

XXXX XXXX
Product: Debt collection

On XX/XX/XXXX Lviv funding sent legal order to my business account at XXXX XXXX bank for a personal credit card debt. The judgment was issued was issued XX/XX/XXXX before I started my business. I have a personal account at XXXX bank but the collection company sent the legal order to my llc account for a personal debt. I asked XXXX XXXX legal order team to send me a copy of the legal order XX/XX/XXXX I still have not gotten it. They also told me I could get it from the branch but the branch would not give it to me. I called the collection company and explained to them that they took money from my XXXX account not my personal account and was told they could. I am not XXXX XXXX XXXX XXXX XXXX XXXX  my wife is XXXX XXXX XXXX  but not on the bank account the collection company also took money from a person that does not owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt has been paid in full since XX/XX/2019 and it still shows on my credit as a negative mark, and does not display a status. According to S10 15 U.S.C 1681h
Product: Vehicle loan or lease

In to my credit report In XXXX appears a auto loan in Banco popular # XXXX with balance {$5400.00} in voluntary surrender that don t belong to me, with XXXX appear the same account paid as agreed open with 2 past due that don t belong to me. This account belong to a XXXX XXXX XXXX mixed in to my credit report with the addresss in XXXX XXXX XXXX XXXX Ct XXXX, XXXX In XXXX id reporte a name that don t belong to me XXXX XXXX or XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX
Product: Vehicle loan or lease

After I submitted a formal revocation of my signature, the lender, GM Financial, retaliated by unlawfully reporting my loan as in default and repossessing my vehicle without proper notice. This action was not only illegal but caused significant harm to my reputation and well-being. GM Financial defamed my character by disclosing private financial matters to my family, claiming the vehicle was repossessed due to non-payment. Sharing such details is a violation of both privacy and confidentiality, including protections under the Fair Debt Collection Practices Act ( XXXX  ). 

Additionally, GM Financial violated multiple provisions under the Truth in Lending Act ( XXXX ), including : XXXX. Failure to Provide Proper Notice of Sale : XXXX XXXX, lenders are required to provide accurate and timely notices of any sale or repossession to the borrower. GM Financial failed to notify me before the vehicle 's sale was finalized, denying me an opportunity to cure the default or reclaim my property. 

XXXX. Failure to Disclose XXXX XXXX : TILA mandates full disclosure of important financial details, including tax implications. GM Financial did not provide me with the necessary XXXX form, crucial for tax filing and reporting the canceled debt. 

XXXX. XXXX XXXX XXXX Practices : TILA and related federal regulations prohibit lenders from providing misleading or retaliatory credit reporting. GM Financial reported my loan as in default, despite the revocation of my signature, and used this false default status to justify the repossession of my vehicle. 

XXXX. Failure to Refund Surplus from Vehicle Sale : XXXX requires that after the sale of repossessed property, any surplus funds remaining after the loan balance and fees are paid must be refunded to the borrower. To date, I have not received any payment for the balance owed to me following the sale. 

These violations have caused me severe financial and emotional distress. I have suffered reputational damage due to defamatory statements made to my family and others. GM Financial 's misconduct not only breaches federal consumer protection laws but has also inflicted long-term harm on my credit, financial stability, and personal relationships. 

I demand that this matter be thoroughly investigated and that corrective action be taken immediately. This includes providing the necessary documentation, refunding the amount owed to me, and correcting the false information reported on my credit profile.
Product: Credit card or prepaid card

The XXXX Credit Card services offered by XXXX XXXX is taking too long to post payments to my account. I made electronic payment to the account on XX/XX/XXXX and it cleared same day. As of XX/XX/XXXX, the payment was still not cleared. The account manager informed me that the payment would not clear until after XX/XX/XXXX as it takes this long for XXXX XXXX  to verify the payment. This seems too long
Product: Consumer Loan

I have a boat loan with M & T Bank. The required monthly payment is {$370.00}. My loan balance in XXXX XXXX was {$34000.00}. Since XXXX XXXX until XXXX XXXX, XXXX, I 've made {$3700.00} toward this loan. I usually make {$200.00} every two weeks. I have not checked on my loan account because I thought I have made monthly payment more than the requirement. Today I checked on my loan account online, and I found out my loan balance is still same as in XXXX XXXX, which is {$34000.00}. My loan balance has not gone down even a penny. All my payments made to this loan went straight to interest, not a penny was deducted toward my loan principle. I called and asked them why all my payments went to interest, nothing has gone to the principle. They told me all my payments of {$200.00} did n't meet the required minimum payment of {$370.00} ( even though my monthly payment was {$400.00} ), so all payments of {$200.00} went to interest.
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.
Product: Mortgage

On XX/XX/XXXX, I submitted a request for mortgage assistance to Ditech Financial. Since then, I have been submitting requested documentation so that this can be reviewed for assistance. 
On XX/XX/XXXX, Ditech sent me a letter stating that they have transferred the servicing of my loan to Green Tree Servicing, a company that was a subject of a class-action lawsuit for failing to honor loan modifications that were in the process of being finalized when consumers loans were transferred from other servicers to Green Tree. This resulted in consumers making higher monthly payments, receiving collection calls, and even losing their homes to foreclosure. 

Green Tree also allegedly misled consumers about their loss mitigation options. The company told some consumers who were behind on their mortgages that they needed to make a payment to be considered for a loan modification, even for programs that prohibited the company from requiring up-front payments. Although they have informed me that the request for mortgage assistance is still in review - they are engaging in dual-tracking by also advising me the the foreclosure sale is still moving forward on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  appears on my credit report. I have not done any business with this company. Already removed from my Equifax credit-report.
Product: Credit reporting or other personal consumer reports

I'd discover inaccurate information on my consumer file. Clear violation of Fair Credit Report ACT. I have been disputing this information for longest time now. I've been a victim of XXXX XXXX Data Breach. Affidavit has been attached regarding the case.

Consumer Reporting Agencies are not investigating under 15 U.S. Code 1681i. I do not receive any investigation details. 

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

In accordance with the Fair Credit Report Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX  # : XXXX 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 USC 1681 s-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 this information is inaccurate.
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 proce 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 16 financial loss, and I seek appropriate redress for these violations.