23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

See attached Florida case law. The Statutory presumption in section 673.3081 ( 1 ), Florida Statutes ( 2008 ), provides the following : " In an action with respect to an instrumen, the authenticity of, and authority to make, each signature on the instrument is admitted unless specifically denied in the pleadings ''. 

On XX/XX/XXXX, XXXX XXXX, filed a foreclosure action. In support of their action, the promissory note containing an allonge was attached to the complaint. In XXXX XXXX XXXX v XXXX XXXX   XXXX XXXX XXXX, a homeowner challenge the allege signor to the allonge filed. The court concluded that the defendant have every right under Florida Statute 673.3081 ( 1 ), to challenge the signature or any endorsement, allonge reflected on the instrument. Therefore a homeowner has every right to request any information pertaining to the signature on the instrument. 

On XX/XX/XXXX, A qualified written request under section 6 of the Real Estate Procedures Act ( RESPA ), was provided to Suntrus. The servicer replied by stating that the information seeking is considered confidential. I disagree and the Florida section 673.3081 ( 1 ), also disagrees because the information seeking pertains to a signature on the promissory note. The question is not confidential because we are NOT seeking private information as to the allegesignor place of birth, home address NOR her phone number, but simply the following questions that do pertain to the signature on the instrument. The question is as follows : 1 ) is XXXX XXXX an employee of Suntrust mortgage Inc? If yes, when did her employment start and ended? 2 ). Is XXXX XXXX a representative of Suntrust Mortgage? 3 ) Is XXXX XXXX authorize by suntrust mortgage to sign endorsement, allonges? If yes please provide corporate resolution redacting her signing power.
Product: Credit card

XXXX as well as expiration/terms of promotional interest rate is not disclosed on monthly statements
Product: Bank account or service

CASE # XXXX ( Reply to answer ) I fid it inconceivable that a bank does not know what branch an account number is associated with. The branch is XXXX XXXX in XXXX Arizona
Product: Credit card

I would like to file a complaint against midland capital funding LLC for attempting to Sue me and Collect on an Old XXXX Debt, that they Purchased from XXXX XXXX in XXXX or XXXX, the account was opened in XXXX by me, and Midland Funding Bought The Charged Off Account in XXXX or XXXX, and they are in the process of suing me, at this Time. Louisiana XXXX states that after 3 years a company can not attempt to collect on this type of account. The Statue of Limitations has Expired.
Product: Credit reporting or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 5 items that were not removed per 15USAC1681i6Biii they did not validate so they failed to comply with provision 15 USC section1681i ( a ) and have them removed from my credit report here are the 6 items 1.Account Name  XXXX XXXX Account XXXX XXXX {$10000.00} listed as charge off 2.Account Name XXXX XXXX Account # XXXX {$3100.00} listed as charge off 3.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} listed as collection 4.Account Name XXXX XXXX Account # XXXX {$9900.00} showing as balance 5.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} 6.Account Name XXXX XXXX  XXXX Account XXXX XXXX NEVER WAS LATE EXNOROUS ILEGALY CHARGES AND AMOUNT OF {$5700.00} SHOULD BE XXXX I MADE ALL 60 PAYMENTS ACCORDING TO CONTRACT SEE PAYMENT HISTORY
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FIFTH THIRD BANK violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), and 15 U.S. Code 1681 ( A ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave FIFTH THIRD BANK any written consent to report anything on my consumer report. No consent is Identity Theft. 
Pursuant to 15 U.S. Code 1681 ( A ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.. This law is stating that our consumer reports are our reputation. Under 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave FIFTH THIRD BANK any written consent to report anything on my consumer report. No consent is Identity Theft. You reporting something on my report without my consent is negatively impacting my reputation. This is a violation to my rights. Also, the debt listed below is a bad debt, so it is definitely hurting my reputation.
Product: Debt collection

Credit Collection Services Sent me a letter by mail stating that they are trying to collect a debt I owe to XXXX XXXX XXXX. Credit Collection Services is not the original creditor and I did not give XXXX XXXX XXXX written instructions to give my information to any third party. XXXX XXXX XXXX work with agents. So unless Credit Collection Services has written instructions from my previous agent then this debt should not be collected upon. I switched to XXXX insurance on XX/XX/2022 which I currently have had. How could I have a balance with another insurance agency if I am already on a new insurance policy. It would have had to be cancelled which it was. XXXX XXXX services claim I owe a balance as of XXXX but I have had XXXX since XXXX which is enclosed. That would be impossible for me to have 2 current insurance policies for the same car and same time. XXXX would have had to cancel the policy before switching to them which they did. Credit Collection Services did not send me any proof of how I owe this debt. This debt should not be collected upon and should not be furnished on my consumer report at all. I have the right to privacy under section 15 U.S.C. 1681 section 602 A. Also unless they have my written instructions or permissions, they should not be able to furnish my account at all. This is what 15 U.S.C. 1681 section 604 A Section 2 states. 

this account should not be furnished on my consumer report.
Product: Payday loan, title loan, personal loan, or advance loan

This account is reporting twice on my credit report one is reporting good standing and the other one is showing negative missing payments. It is showing incorrect information. I have reached out to them and they have not responded,
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 protocol was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These activities have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
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 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 ( XXXX ) 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 Balance Owed : {$0.00} XXXX, XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX has reported a false inquiry on my creit report on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 inaccurate
Product: Debt collection

As soon as I found out I had four accounts in collections ( {$1000.00}, {$2200.00}, {$1100.00}, {$2600.00} ) with Midland Funding I immediately sent dispute letters, asking for validation of the debt. I have been a victim of identity theft 2 times. I asked for something bearing my signature, and only response I have gotten is a copy of the bill of sale from the credit card company to Midland Funding, and on 2 accounts I received a printout of a statement. These are not my accounts and are being reported on all 3 credit reports, bringing my credit score down. Midland Funding has refused to provide me with signature validation of the debt. I also informed them that as per FTC opinion letter from Attorney XXXX XXXX XXXX that a printed statement does not constitute verification. I would like these accounts removed from my credit.
Product: Credit card or prepaid card

On XX/XX/2021, I received an email from Synchrony Bank, with the subject Your PayPal Mastercard Statement from Synchrony Bank is Available Online stating that my statement was ready for review. I wanted to check the account balance and make changes to my monthly payments, when I clicked on the link in the email, it directed me to my PayPal account, and nowhere on that site I could find my credit card statement or account information on PayPal Cashback Mastercard issued by Synchrony bank. 
On XX/XX/2021, I called the number on the back of the card : XXXX to find out why I can not access my credit card statement and information. I was greeted with a menu and a request to enter my credit card number. It informed me of my account balance and of the payment made. I requested a live customer service agent, who could not help me and sent me to another agent who also could not help me, and that agent sent me to another who could not help me. I was going around in circles, on a loop with customer service people who could not answer my question or help me. I was then sent back to the initial menu. I called back and the same loop process began. I called and complained about not receiving a proper answer to my request, and the customer service agent hung up on me. 
On XX/XX/2021, I contacted PayPal online on its robot customer service to request access to my credit card statement and information. I talked with a chat robot which did not resolve my issue. 
My last access to my account was via Synchrony bank, in XX/XX/2021 or before that ( but I am not sure of the exact date ), when I was able to set auto-pay for the minimum payment due. 
Both Synchrony and PayPal are in direct violation of clause 14 of their CARDHOLDER AGREEMENT PAYPAL CASH MASTERCARD : " 14. Right to Receipts and Periodic Statements. You should get a receipt at the time you make a transaction with the Card. You have the right to receive an account statement showing your PayPal activity, including a record of transactions made using the Card. You may view your PayPal statement by logging into your PayPal account at https : //www.paypal.com/us/signin. ''
Product: Credit reporting or other personal consumer reports

I filed disputed in XXXXXX/XX/XXXXXXXX about my student loans ( all ) and XXXX, which had an erroneous, but corrected 30 day late. I then sent letters and documentation in XXXX of XXXX to Equifax at XXXX XXXX XXXX, XXXX, GA XXXX. I noticed Equifax then if they did not correct that it was defamatory and I would institute statutory complaints and litigation. I sent a DEMAND they correct. I never heard anything back. I recently, in XXXX and XXXX of XXXX, sent Equifax the attached letter by XXXX Mail, and also filed disputes regarding the student loans XXXX XXXX XXXX XXXX ; US Dept of Education, Dept of Education, et al ) and the XXXX account, which despite corrected information still showed 30 days late. XXXX has had corrected information, and XXXX still had the improper information regarding XXXX which they finally corrected. I have sent emails to top personnel at Equifax in their Corporate Counsel with no reply, acknowledgement, results. They have fixed the XXXX 's item, but not the student loans, which are outdated, incorrect, and reported everywhere else as " paid as agreed/never late '' because they clock started ticking on them in XXXX or XXXX. Equifax has been willfully negligent to malicious in how they are defaming me, causing me pain, suffering, defaming me, and causing me grief and aggravation, and delay. The many ways that a erroneous reporting of credit has harmed me, and they have had every opportunity to correct the items, but have failed to do so. I have satisfied every statutory requirement for notification and demand for them to correct these issues. 
AS YOU CAN SEE FROM THE CREDIT SCORE DISCLOSURE ATTACHED, MY EQUIFAX SCORE IS MUCH LOWER BECAUSE THE FED LOANS ( STUDENT LOAN ACCOUNTS ) ARE STILL THERE IN ERROR DISPITE SEVERAL DISPUTES AND CORRECTED INFORMATION PHYSICALLY SENT TO THEM. 
XXXX of XXXX XXXX 's drops autopay and causes late, which they report, then FIX with all three CRAs in XXXX of XXXX XX/XX/XXXX Equifax is given a dispute on the XXXX account and all student loans, which are past date they may be reported, and were forgiven being reported as paid in full, as agreed XX/XX/XXXX Equifax is sent documentation on XXXX 's account and Fed Loans XXXX XXXX XXXX Disputed are made regarding XX/XX/XXXX and Fed Loand ( Dept of Ed/US Dept of Ed XXXX XX/XX/XXXX Disputes are repeated after 30 day allowance to correct XXXX of XXXX XXXX 's account is finally corrected, was told student loans were, but they were not XXXX of XXXX Student Loans still show lates, causing artificially low score XXXX? XXXX Equifax is sent demands to correct, contact, fix issues, emails sent to highest levels of Corporate Counsel of Equifax and numerous attorneys in the company, no proper response given. 
Equifax has been completely noticed.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I am writing because I have a 30 days late payment on my credit report. I spoke to capital one about it and I didn't know that my payment was returned on XX/XX/XXXX. I was not notified and I have always been a value customer paying my bills on time. The late payment hit my credit report and know my credit score is affected severely. I need help please if you can please forgive me and give me one more chance I promise I will not mess up. Im only XXXX and still young and I know i slipped up once but I won't again I don't want to suffer for 7 years. Also a Representative said he disputed it. I hope you read this and help me. Thank You.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE DATE OF LAST ACTIVITIY. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELETED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM 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  ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE PAYMENT HISTORY. I HAVE NEVER BEEN LATE ON ANY PAYMENTS. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED IN THE PAYMENT HISTORY FOR EACH ACCOUN IMMEDIATELY TO PAID ON TIME, PAID AS AGREED, NEVER LATE. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS ON MY CONSUMER REPORT TO PAID AS AGREED, PAID ON TIME, NEVER LATE.. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> I received a collection notice from LVNV FUNDING in the amount of {$620.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are sup
pose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.