23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company Midland Credit purchased a debt from another company that i had no involvements with the transaction. 
According to 15 usc 1692a ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection, XXXX, XXXX and XXXX are assumed to be credit bureaus. Fact is that they are not and that the only bureau is the Consumer Financial Protection Bureau. Fact is that i am a federally protected consumer as detailed in 15 usc 1692a ( 3 ) consumer ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.

On the date of XX/XX/XXXX Congress enacted HJR-192 to suspend the gold standard and abrogate the gold clause. The resolution of this declared that " whereas the holding or dealing in gold affects the public interest and are therefore subject to proper regulation and restriction and whereas the exisiting emergency has disclosed the provisions of obligations which purport to give the oblgiee a right to require payment in gold or some kinf if coin or currency.,, are inconsistent with the declared policy of congree. in the payments of debts. this resolution declared that any obligation requiring payment in gold or a particular kind of coin or currencent or ina n amoint in money, policy and every obligation herefore ot hereafter inciurred shall be discharded upon payment, dollar for dollar, in any coin or current which at the time of payment is legale tender for public and private debts 15 usc 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof 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 is acquainted or who may have knowledge concerning any such items of information.

I can assure you that an investigative consumer report was not completed. it clearly states that personal charactertics or mode of living is obtained through personal interviews with neighbors and friends.

15 usc 1692e, False and misleading representations ; A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

15 usc 1692e ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
I received a letter from XXXX XXXX XXXX, XXXX  on behalf of Midland Credit stating that they represent Midland Credit Management against me. This is false and misleading practices being done. Also 15 usc 1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. The letter states a copy of a lawsuit is being filed with the general district court. One i am a federally protected consumer. The term Federally means attendance in a federal court. Second false and misleading this is clearly deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with COMENITY BANK/AVENUE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything. Ive never been behind on my payment. I tried contacting the XXXX XXXX XXXXXXXX and Equifax Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax 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 XXXX and Equifax are 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. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit card or prepaid card

XXXX  XXXX credit card serviced by XXXX XXXX reported late pays on my credit report after several attempts to reconcile and pay off my credit card balance. 
When the card was first opened I contacted them to set-up auto-payment. They scheduled a recurring payment of {$100.00} every month until balance was paid in full. 
The very last payment of {$100.00} was not taken because my balance at the time was only of {$14.00}. I called and manually paid the last amount owed of {$14.00}. I then hit with a late fee that was never disclosed to me at the time. I was penalized and paid a total of {$57.00} on XX/XX/18 in fees after my balance was completely paid off. I spoke with customer care collections supervisor, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian XXXX and XXXX is reporting a bankruptcy on my credit report and they have put in the data furnisher as the XXXX Bankruptcy XXXX XXXX XXXX which is false i have attach a letter from the XXXX Bankruptcy XXXX XXXXXXXX XXXX  verify and stating that they do not furnish information over to the credit bureau or any other credit monitoring services nor do they verify or validate any information concerning bankruptcy. Experian, XXXX and XXXX is falsely stating this information on my credit report and has yet to remove it form my credit report.
Product: Mortgage

In XXXX XXXX my mom & I called Veterans United Home loans, and placed with XXXX XXXX, Loan Officer. We were interested in a VA mortgage. We were advised that we could apply as my mother is a XXXX Vet, with me as a dependent XXXX XXXX XXXX XXXX we recd notice from Veterans advising we were prequalified. We were not eligible for VA financing, but on XXXX XXXX XXXX XXXX XXXX advised that he would issue a preapproval letter for FHA financing. On XXXX XXXX XXXX I requestedthe terms of the loan because I was missing out on properties. On XXXX XXXX, XXXX XXXX XXXX advised in writing that he could 'definitely make this work ' and on XXXX XXXX XXXX I requested the specifics of the FHA loan. On XXXX XXXX XXXX I received a phone call from XXXX XXXX, at which time I expected to be advised as to the specifics of the FHA loan that was preapproved by Veterans. It was only on that date and time that XXXX XXXX asked for anything more from me than my paystubs. We requested financing up to $ 300K, and advised that we could put at least a 20 % down payment, and {$5000.00} ernest money towards the purchase Only THEN did XXXX advise that my XXXX score did not qualify for an FHA loan. According to the FHA manual, my XXXX score did qualify. XXXX misrepresented that it was FHA, and later admitted it was Veterans Home that would not accept it. 
For almost 2 months, we were unreasonably led to believe that we were only waiting fo the preapproval letter to be issued. There were no qualifiers, no ifs, ands or buts, or any other issues that might disqualify us. We were unethically and unprofessionally misled by this loan officer, and in fact were told that Veteran COULD help us and that we WOULD receive our preapproval letter. Veterans should be required to uphold their promise of financing and finalize the mortgage loan that we were preapproved for. There was never any discussion or mention that ANYTHING would stop the financing process. Ou combined income is in line with the loan amount, and my mother 's credit is outstanding. My credit qualifies me for approval for an FHA loan, and Veterans should approve this financing and proceed to closing.
Product: Credit card

I have a credit card with Chase. My account was closed without my consent in XX/XX/XXXX. 
My account was in good standing ( for 24 years ) and I had updated my personal data with them in XX/XX/XXXX. When I attempted to use the card on XX/XX/XXXX it was declined. I called Chase and they told me my account was closed due to lack of a form XXXX. They indicated that they had sent me a letter to this effect which I did not receive. I was also told that if I visited a Chase branch then I could submit the form there and the account would be re-opened. I drove to a Chase branch which was XXXX miles from my work and completed the form. I was told the process would take 1 business day. 
When I called back to Chase on XX/XX/XXXX when the card still failed to work, I was told by another representative that since the account was closed in XX/XX/XXXX that it could not be re-opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refused to remove a collection account ( XXXX ) off of my credit report. That debt was paid and I sent the receipt to have Equifax remove that tradeline off my credit report. This action is affecting me getting a place to live with my children. I did send Equifax a certified letter which was signed for on XX/XX/2020.
Product: Debt collection

CBNA THE U.S. DEPARTMENT OF EDUCATION and XXXX Credit Bureau continue to violate the FCRA Publicly and Privately Let me explain : Once your debt has been sold to a 3rd party debt collector, the claimant can no longer collect on that debt. The claimant sold that account/debt to a collection agency. I have nothing to do nor any contract with this 3rd party and therefor do not recognize who they are nor have any obligation to them. 
Pursuant to the Fair Debt Collection Practices Act 15 UNITED STATES CODE 1692 I have disputed these alleged debts/claims with the CFPB and by law they must be removed from my credit report. 
I have sent out certified mail to these claimants with affidavits of truth and fact as well as fraud affidavits by continuing to allow these reports to remain on my credit report after I have lawfully disputed these alleged claims the CFPB is also Violating my Rights I respectfully demand that the CFPB do its due diligence to comply with their preformance bonds and remove these account. All activity has been record and printed and the laws have be cited. The law clearly states that this is not lawful. I respectfully demand for these accounts to be removed from my report.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and while respecting the consumer 's right to privacy. XXXX and Experian are recognized as consumer reporting agencies, and as a consumer, you hold the right to ensure the protection of your private information, as supported by 15 USC 6801. Under 15 USC 1681 section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may only furnish a consumer report based on the written instructions of the relevant consumer. The financial institution, classified as the " Furnisher of information to credit agencies '' in this case, falls under the definition of a financial institution according to the relevant title. Therefore, both the financial institution and consumer reporting agencies such as XXXX and Experian do not possess your consent to furnish your information, specifically without your written consent, as mentioned in the statute. Furthermore, 15 USC 6802 ( b ) ( c ) explains that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed of their option to exercise nondisclosure. In this case, the " Furnisher of information to credit agencies '' failed to inform you of your right to exercise the nondisclosure option, which is a violation. Additionally, 15 USC 1681C ( a ) ( 5 ) states that a consumer reporting agency is not authorized to include certain items of information, including adverse items, in a consumer report without your permission, unless permitted under subsection ( b ). Therefore, their reporting of this adverse item without your permission is a violation of the law. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) stipulates that a person must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and Experian are required to maintain reasonable procedures to avoid violations of section 1681c and to restrict the provision of consumer reports to the purposes listed under section 1681b, as outlined by 15 U.S. Code 1681e. Lastly, according to 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of their reporting services.
Product: Credit reporting or other personal consumer reports

The 3 major credit bureaus are currently reporting accounts on my credit that are fraud. Here is a list of the items in question XXXX filed XX/XX/XXXX XXXX {$15000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$60000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$18000.00} XXXX XXXX XX/XX/XXXX XXXX {$7600.00} Please remove these items, for they are injurious to my credit history. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've tried to dispute a XXXX XXXX collection item with Portfolio Recovery Associates through the BBB. As they are reporting as a Factoring Company. I've attached the response from Portfolio Recovery Associates where they state that they are not a Factoring Company and do not report or consider themselves such. PRA requested a copy of my credit report in order to verify/rectify the issue and I sent it as requested. The account was also Settled In Full and closed however it is not reporting as such. Today XX/XX/18 I received a letter from PRA stating that my  complaint has been resolved and any future complaints would be ignored however the issues are still outstanding and negatively impacting my credit. Any assistance would be greatly appreciated. Thank you.
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer for {$8000.00} to XXXX on XX/XX/XXXX before XXXX PT. Their web site ( XXXX ) states that wire transfers should arrive the same day if placed before XXXX PT. I called my bank and confirmed that the funds had left my account. I checked my XXXX account and my Coinbase account that day, yesterday, and today and see no sign of an incoming transfer being recorded. I contact Coinbase support via email but have not heard back. 

A XXXX search led me to dozens of people complaining that they had initiated wire transfers for thousands of dollars that have still neither appeared in their Coinbase or XXXX accounts, nor were returned to their respective banks. The Coinbase subreddit is flooded with complaints about failed wire transfers : XXXX XXXX XXXX/CoinBase/
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED ONLINE DISPUTE THRU XXXX XXXX ON XXXX XXXX ( XXXX ) FOR A XXXX ACCOUNT.XXXX PUT THE ACCOUNT ON MY CREDIT REPORT ..I RETURNED THEIR EQUIPMENT AND CELL I I CANCELLED CONTRACT BECAUSE BEFORE ENTERING IT I ASKEDTHEM TO VERIFYTHEY HAD SERVICE IN AREA I WAS WORKING IN XXXX XXXX , NC AT THE TIME THEY GUARANTEED ME THEY DID. I RECIVED XXXX CELL BUT NO SERVICE IN THAT AREA. THEY OFFERED ME A MAGIC BOX TO INCREASE SIGNAL STILL NO SERVICE. I CANCELLED AND RETURNED BOTH ITEMS.XXXX SAID I CANT AND TRIED TO CHARGE MESTILL FOR BOTH.THEY PROCEDED TO SELL THE CONTRACT AFTER I CONTACTED THEM ABOUT IT TO PA, who when i disputed it with statement removed it from 3 credit bureaus but sold it to sister company, XXXX XXXX XXXX ( XXXX ), who readded it to my repport. I am requesting they remove this account for {$1000.00}, because they did not validate debt and the XXXX XXXX items {$440.00} item from my credit report also because they preinted same type letterThey ( XXXX ) also sent me a letter they printed ( forge ) from XXXX XXXX. I have yet to receive a contract or letter with my signatutre saying i owe this debt. When they received my certified signature required letter with a letter they print cause it has same number and code at bottom as their preprinted letter saying i owe debt proving its not from origional creditor ..withwriting { this is communication purposes and not to collect a debt }. 
This paperwork does not have my signature or id recorded and does not validate this debt. i will be pursueing a lawyer if this persists
Product: Payday loan, title loan, or personal loan

NETCREDIT has refused to acknowledge my reported financial hardship since the onset of XXXX and the death of my child in XX/XX/2021, for whom I got the loan for. I reported this information to this company and they have refused to work with me or close the account. They have overcharged me extremely and fraudulently. XXXX has repeatedly reported a late payment to the credit bureaus, which has greatly affected my credit score. The fraudulent amount they say I owe is far beyond the credit limit. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened two disputes with experian for commenity bank because accounts that I had paid off the balance for were still showing a high balance. Instead of showing balance XXXX these two accounts were deleted from my report, lowering my score due to increasing my credit usage. I am in the process of trying to finance a house so This is a big problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 inaccuracy.
Product: Debt collection

XXXX XXXX {$3500.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit card or prepaid card

American Express card- I checked my account closely at XXXX 2021 and charges totaling {$4500.00} to e-gift cards from XXXX were on my mobile account. I reported this immediately and was told this happened to others and not just me! XXXXnvestigation and I assumed their Investigator for Fraud called me and it was hard to clearly hear him. Again, I assumed and shouldnt have!! They have now told me I am still responsible for these e-gift cards-I am an old lady and I do Not do anything EVER with e-gift cards. 
I never made the purchases!! I have been arguing with the Fraud Dept. For Months! They have also reported this to the credit bureaus!! XXXX XXXX is not taking responsibility here! I dont have $ to pay for Fraud on my account!
Product: Mortgage

I have a HAMP Modification without any equity since the XXXX crises, In XX/XX/XXXX I spoke with two representatives, a XXXX XXXX @ XXXX regarding a FHA fixed rate without adjustable which was disapproved and I spoke to a XXXX XXXX, @ XXXX advised an in house modification which also was disapproved. My statement of XX/XX/XXXX ( I received XX/XX/XXXX ) went up regarding a recast but when it stated, " Your monthly payment includes... and other escrow expenses. '' I asked, " What are these other escrow itemized expenses, and Disbursement insurance and why has it changed from XXXX to XXXX? '' As usual no returned call. In XXXX I just realized that my monthly bill was XXXX over, I called the bank as well as Nationstar. I corrected it, but as time went I saw that it continued with XXXX over. I received my statement due for XX/XX/XXXX that my mortgage went up! So I called complaining and was advised of their Pandemic Relief, FORBEARENCE agreement At first I thought it was a good idea, but not. I tried calling but couldn't get through, system kept disconnecting. I called a different number to cancel out, I did speak to different ones and they refuse to change my request. I remind you that they continue to have me under that Forebearance agreement. I want them to lower the HAMP and not any FLEX MODIFICATION. I already have the HAMP Modification
Product: Credit card

I have been getting letters from stores requesting me to verify information from new card accounts I have never applied for.
Product: Credit reporting or other personal consumer reports

Chase is still reporting an unlawfully debt thats has been past the statute of limitations of 7ywars federally and state level its three years.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 i sold XXXX XXXX XXXX  to a company I used Square to collect the funds after swiping the client card ( XXXX ) it said approved I elected the funds to be deposit 1 to 2 business day in to my business account associated with square. a day or 2 went by and notice that the money was not deposit into my account from square so i reach out to square and my bank. After talking to bank they did not see anything that was deposit into my account with the amount of {$1200.00} so me and the bank went to search other deposit and notice the only deposit that was made was the ones that was instant and charge a 1 % fee that connected to the debit card and not the bank account number but the ones that was suppose be deposited was not in the amount of {$41.00}, {$67.00} {$1200.00} square send me ach trace numbers that i gave to my bank and bank do not have this in there recored of deposit nor in my account ive reach out through email and no response from square at all since XX/XX/2020 all complaint been through email since it no one to talk to direct after they close my account.