23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I HAVE BEEN MAKING REGULAR MORTGAGE PAYMENTS SINCE THE END OF MY FORBEARANCE, ALMOST A YEAR. YOU DENIED THREE OF MY PAYMENTS IN XXXX, XXXX, AND XXXX, THEN YOU COME BACK AND ASK ME IF I AM HAVING A PROBLEM MAKING MONTHLY MORTGAGE PAYMENTS. CAUSE YOU WILL NOT GO THRU THE PROCESS WITH THE VA. I THINK THAT IS A CASE OF DOUBLE JEOPARDY. I AM ALREADY INTO DELINQUENT STATUS FOR {$29000.00}. THEN YOU TAKE THE RIGHT FROM ME TO CONTINUE MY PAYMENTS CAUSE YOU WANT TO FORCE ME TO PAY {$29000.00}. PUTTING ME FURTHER IN HARDSHIP. IF YOU WILL JUST DO THE PAPERWORK TO HAVE THOSE PAYMENTS GO INTO A LIEN, BUT YOU WANT TO PROFIT FROM MY HARDSHIP FOR 30 YEARS, BY COMPOUNDING IT TO MY PRINCIPAL. I NEED TO TAKE A LOSS, NOT YOU TO MAKE A PROFIT,
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX I noticed a collection from XXXX XXXX XXXX. I have reached out to the credit agencies to dispute this collection to no avail. This is not my debt. I have impeccable payment history and have always been in excellent standings with all of my accounts. This collection has affected my credit report tremendously. I am asking for you all to please look into this account on my behalf. Thank you in advance
Product: Checking or savings account

Over {$10000.00} has been taking thru my citizens account XX/XX/XXXX, sent over to a guy named XXXX XXXX on a third party XXXX XXXX I contacted both parties about the issue. I contacted my bank they said they would do a claim to get the funds back to my account & to wait 7-10 business days. I waited the days I call back because I seen no money was returned they told me I had to contact XXXX XXXX  which I did, I explained this issue they said that it was my bank who has to issue the return because they cant do nothing about it since money was received to ( XXXX XXXX ). So, I go back to my citizens bank to get this resolved & they keep telling me there gon na have me on a call back number thru there fraud mind you I have not received a single call back. I have the calls from me contacting citizens 10 times for a single call back to get my money back its been over a month & half. If my bills & monthly payments didnt come out I wouldve switched to another bank. I have a family to support and the way Im getting treated thru these companies is absolutely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. EXPERIAN has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give EXPERIAN written instructions at any time to report The following XXXX  XXXX. account. This account is being reported on my consumer report without my written instructions. The CFPB XXXX  prohibits abusive and deceptive behavior in accordance with federal law. Please see the attached invoice and affidavits for the following Violations.
Product: Credit reporting or other personal consumer reports

experian continues to report an account that is far too old to be on my report. 

I've disputed this account twice and they insist it is correct and remains reported. 

XXXX XXXX XXXX XXXX Account opened XX/XX/XXXX Terms 36 months Paid Closed XX/XX/XXXX Early termination/obligation satisfied. 
This account is scheduled to continue on record until XX/XX/XXXX. 


I paid the account off in XX/XX/XXXX This was a 36 month loan term not the 123 month loan term Experian is stating Experian can't seem to realize they are off by 10 years on the report. 

I called XXXX XXXX on XX/XX/XXXX and they confirm this account was closed on XX/XX/XXXX not XX/XX/XXXX as reported by Experian. 

Please remove this old account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score with TransUnion decreased by XXXX points in a matter of a month and nothing about my credit profile and spending habits changed. I am not late on any payments, I am not over charged on any credit accounts, and I pay all of my credit bills on time. I applied for a business credit card thru XXXX Bank, and after they ran a hard inquiry, I was docked XXXX points.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Credit reporting or other personal consumer reports

Experian is reporting four different addresses on my credit report, while XXXX and XXXX correctly list only one address. Despite my attempts to resolve this issue still remains with Experian. This discrepancy violates the FCRA, which mandates accurate and consistent information across all credit bureaus. Each violation of the FCRA can result in damages of up to {$1000.00}. I am requesting the removal of the incorrect addresses from my Experian report within 4 days
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX account # XXXX XXXX  XXXX Account # XXXX XXXX account # XXXX XXXX XXXX Account # XXXX Has validate 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Dear CFPB, I am writing to file a complaint regarding an attempt by a debt collector, Radius Global Solutions LLC, to collect on a student loan that I believe has been discharged. According to the information provided by Radius Global Solutions LLC, the loan was discharged on XX/XX/year>. Since that time, I have not made any payments on the loan. 

Despite this, the debt collector is pressuring me to restart the clock on this loan, suggesting that I may be obligated to resume payments. I find this attempt to be misleading and potentially unlawful. Based on the information provided, I am unable to verify if this loan is a private student loan, as they claim, as the documents provided do not clarify the nature of the loan. 

Additionally, I believe this loan may have been forgiven as part of my federal student loan discharge under a federal forgiveness program. If this is the case, I should no longer be obligated to repay this debt. The debt collectors actions are causing confusion and undue stress, as they are implying that I owe money on a loan that I believe has already been discharged. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from making misleading or false statements regarding the collection of a debt. I believe that Radius Global Solutions LLC may be in violation of these rules, as they are pressuring me to resume payments on a debt that is either time-barred or potentially already forgiven. 

If this loan is indeed a private student loan, as the debt collector claims, it is subject to the XXXX  Statutes, Title VIII, Chapter 95, Section 95.11, which establishes a 5-year statute of limitations for collecting on a written contract. Since the loan was discharged on XX/XX/year>, and I have not made any payments since that time, the statute of limitations for pursuing this debt has likely expired. As such, the debt collector has no legal right to pursue collection of this debt. 

I request that the CFPB investigate this matter and ensure that the debt collector ceases all collection activities related to this debt if the statute of limitations has expired. Furthermore, I ask that the debt collector be required to provide verifiable documentation that confirms whether this loan is private, as they have stated, or if it was part of my federal student loans. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that l 've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Bank account or service

Wells Fargo has taken of {$5000.00} from me in " fees '' since XX/XX/2016 ... about XXXX % of my yearly income has been taken by Wells Fargo in " fees ''. Wells Fargo has just recently taken {$1200.00} from me in " fees '' from XX/XX/XXXX to XX/XX/XXXX. XXXX separate instances of {$35.00} " fees ''. That is equal to my bi-weekly paycheck. During this time a Wells Fargo ATM jammed, holding half of my deposit and freezing the ATM. I told Wells Fargo and they adjusted, then reversed the adjustment on my account without warning, making it impossible to know the balance ... and then charged more fees. A few weeks later Wells Fargo froze my account, not allowing me to make deposits at ATM 's and not explaining why. Without the deposits, i could not pay bills, causing me to lose my health insurance and make other bills late ... Wells Fargo sent a letter 3 days after the hold as a " notification '' ... and all the while charged more fees. I made a {$1000.00} deposit and Wells Fargo held it for over a week. When I called the branch they said " because I had incurred so many fees they were holding the deposit because they thought it may not clear?! I explained this was a check from my father ( with the same last name and who was willing to call the bank!! ). They instead just rudely hung up on my and continued to charge me fees..though I did n't randomly get a phone call from a Wells Fargo employee days later saying they changed their mind and released the funds??? More of my money has been taken by Wells Fargo in " fees '' then has gone to any other single business entity. I have been financially ruined and my credit destroyed ... I work hard, around 60 hours a week and have me crushed by this bank and do not know what to do ...
Product: Credit reporting or other personal consumer reports

Notice to Agent is notice to principal notice to principal is notice to agent. 

On XX/XX/2024 you received my dispute regarding some transactions and late payments furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 

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

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy.

What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore, this process must be certified by an agent that the information is accurate. 
I am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. 
Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you have fraudulently verified an account without a reasonable procedure as required by law. 

Delete these incomplete and unverifiable accounts and transactions from my consumer reports :
Product: Checking or savings account

In 2021, I discovered that my identity had been stolen in connection with an attempt to deposit a fraudulent check into my bank account. At the time, my account was unexpectedly closed by BANK OF AMERICA without any explanation or prior notice. When I contacted the bank to inquire about the reason for the account closure, I was informed that a fraudulent check had been deposited using my mobile phone. However, I am certain that I did not attempt to deposit the check, nor was I involved in any such activity. 

After the account was closed, an amount of {$94.00} was charged to the account, though I was not responsible for this charge. I was unable to resolve the issue with my bank, and as a result, the {$94.00} was eventually charged off. 

To address this matter, I filed complaints today with both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) to report the identity theft and fraudulent activity, and to seek assistance in resolving the situation.
Product: Credit reporting or other personal consumer reports

Transunion continues to report fraudulent activity on my credit report. I have reported fraudulent inquiries on my report and they refuse to remove them even with me sending them the FTC report and the police report. XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX- XX/XX/XXXX I have report them before and they took no action to remove them!!!!
Product: Debt collection

DEBT VALIDATION FINAL NOTICE, NOTICE OF INTENT TO SUE XX/XX/2024 Mercury Financial LLC Dear Mercury Financial LLC CFO and employees, This letter is being sent to you in response to : Correspondence ( Exhibit A ) received by XXXX XXXX XXXX  on XX/XX/2024, regarding Account Number at Mercury Financial LLC XXXX I DO NOT understand YOUR intent, nor do I stand under your intent. 

On XX/XX/2024 your received my request for DEBT VALIDATION. 
On XX/XX/2024 you responded via CFPB to me correspondence Attached is the verification requested. 

XXXX. I did not request verification, nor did I ask for your opinion- I requested DEBT VALIDATION with point by point validation requested pursuant Fair Debt Collection Practices Act, 15 USC 1692g. 

This was NOT a request for verification or proof of my mailing address, but a request for DEBT VALIDATION made pursuant to the above-named Title and Section. 

XXXX. Since you were not able or willing to VALIDATE this debt, and provide requested information point by point : Signed in wet ink contract Debtor XXXX XXXX has made with Debt Collector Mercury Financial LLC, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 

Contract with your client that grants Mercury Financial LLC the authority to collect this alleged debt. 

Any agreement/contract that bears the signature of Debtor, wherein agreed to pay Creditor. 

All statements while this account was open. 



There is no VALID DEBT to be repaid to Mercury Financial LLC. 


At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
Since your office failed to respond point by point to this validation request within XXXX  days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I identified discrepancies with the following account that are hindering my ability to secure credit. In compliance with the Fair Credit Reporting Act ( FCRA ), I am submitting a formal request for a procedural investigation to verify the accuracy of the reported information. 

Below are the account details requiring your immediate attention : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Please conduct a thorough reinvestigation and provide documentation of your findings. If the information can not be confirmed as accurate, I expect its immediate removal from my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Formal Dispute and Complaint Against Midland Credit Management Violations of 15 U.S.C . 6801, 6802, and 1692 To Whom It May Concern, I am filing a formal dispute and complaint against Midland Credit Management ( MCM ) for violations of federal law, specifically 15 U.S.C. 6801, 6802 ( Gramm-Leach-Bliley Act ) and 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ). 

Alleged Violations : XXXX. Violation of 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act - GLBA ) Midland Credit Management has failed to ensure the security and confidentiality of my personal financial information as required under 6801.

Under 6802, MCM is required to provide proper notice before sharing my nonpublic personal information and allow me the opportunity to opt out. To my knowledge, I was never provided such notice nor given the option to refuse the sharing of my data with third parties.

I request that MCM provide a complete record of any disclosures or transfers of my personal financial data to third parties, as well as proof of compliance with GLBA requirements. 
XXXX. Violation of 15 U.S.C. 1692 ( Fair Debt Collection Practices Act - FDCPA ) MCM has engaged in unfair and deceptive collection practices, including [ describe specific violations, such as failure to validate the debt upon request, reporting inaccurate information to credit bureaus, harassment, or any misleading communications ]. 
The FDCPA requires debt collectors to provide validation of a debt upon request ( 15 U.S.C. 1692g ). I formally requested validation from MCM, yet they failed to provide sufficient proof that the alleged debt is valid, that they have the legal right to collect, or that they are in compliance with federal laws. 
If MCM has reported any inaccurate or unverified information to credit bureaus, it is a direct violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Requested Resolution : I am requesting that the CFPB investigate Midland Credit Management for these violations and take appropriate enforcement actions, including but not limited to : Requiring MCM to provide a full accounting of how my personal and financial information has been handled, including any disclosures to third parties. 
Requiring MCM to cease all collection activities and remove any unverified or inaccurate information they have reported to credit bureaus. 
Holding MCM accountable for any deceptive or unlawful practices under the FDCPA and GLBA. 

I appreciate your prompt attention to this matter and look forward to a timely response. 

Sincerely, XXXX XXXX XXXX