23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Funding LLC took on the debt I owed to XXXX XXXX XXXX  in XXXX. At that time I had enrolled in a debt relief program with XXXX XXXX XXXX and this debt was one of the accounts managed by XXXX XXXX XXXX. In XX/XX/XXXX a Warrant In Debt was filed against me by Midland Funding LLC. I was represented by XXXX XXXX XXXX and a settlement agreement was negotiated and agreed to. 

The Stipulation of Settlement stated the Defendant will pay Plaintiff a total of {$110000.00} in satisfaction of the debt owed with an initial payment of {$95.00} by XX/XX/XXXX and 10 monthly payments beginning on XX/XX/XXXX with a final payment of {$95.00} on XX/XX/XXXX. It states that upon payment of the Settlement Amount, Defendant will be considered released from all causes of action and claims we have in connection with the account referenced in the agreement. It also states that once the signed stipulation is returned to the Plaintiff and the first payment as agreed upon is received by Plaintiff, Plaintiff will dismiss the case without prejudice. 

This debt was paid in full in XX/XX/XXXX. The final payment was mailed XX/XX/XXXX by XXXX XXXX XXXX and Midland Funding LLC showed it processed XX/XX/XXXX. As of XX/XX/XXXX this debt is still being reported as an open account and that {$540.00} is the remaining balance on the account. Also, the case was never dismissed per the terms of the stipulation agreement when the first payment was made in XX/XX/XXXX. 

I have tried to contact Midland Funding LLC regarding this issue. At one point I was told an amount of {$150.00} was owed on the account. I informed them that the account was paid in full and the amount that was being reported on my credit report was {$540.00}. I was then told to contact a different department to resolve the issue, which I did. After speaking with several people in that department, I'm told they can not speak to me due to a " do not contact '' order on the account placed by XXXX XXXX XXXX. I've tried to explain that the account is paid in full and they need to clear the matter up on their end, but they are unwilling to help me. I have sent them an XXXX revoke letter from XXXX XXXX XXXX and I'm hoping that will help, but I feel I shouldn't have to go through any more steps or processes with them since they have all the documentation regarding the stipulation agreement and the account was paid in full in XX/XX/XXXX. As of this writing, they have not met their side of the agreement in any form, beginning with dismissing the case once they received the first payment as outlined in the stipulation agreement. 

With this complaint, I am attaching a copy of the stipulation agreement I received from XXXX XXXX XXXX, a copy of the payments made by XXXX XXXX XXXX to Midland Funding LLC as provided from the account ledger, a copy of the account information from the Midland Funding website showing where the payments were posted to the account, and a copy of the XXXX Revoke letter from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on U.S. consumer credit reports. These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of medical collection debt with an initial reported balance of less than {$500.00} from credit reports. 

I have a medical collection debt with an initial reported balance of less than {$500.00} being reported by AUTOMATED COLLECTION SVC. on behalf of XXXX XXXX and XXXX XXXX XXXX account number XXXX. I need to have this debt deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00}
Product: Credit card

Capital One XXXX XXXX  shared my info with social sides like XXXX without my consent. They misguided me numerous times. I had contacted and wanted to talk about their abusive behaivor with XXXX XXXX. They refused to provide info. They continued to be abusive each time. After I had opened a complaint at first, they asked more info. When I called and explained, a XXXX apologized and sent a full payment refund as a check. After my complaint resolved, they recharged it to my closed account. That resulted me to close XXXX of my other accounts. When I called again, supervisor said they sent me a refund in mail by mistake. When questioned, the belligerent supervisor said she was a cheerleader and knew how to deal with customers like me. I asked higher management, corporate management to discuss the recorded abusive conversation, she argued more, refused info and hang up on me. I then refiled the complaint. They responded to my complaint with completely unrelated response and closed the case. Capital One is being sued by Fed Gov for stealing XXXX from customers. They have no integrity and their customers service is horrible and XXXX. The info I put on social media, public aggrees. I had called them for a refund I was supposed to get for overpayment and gave information they asked for re to my complaint. The XXXX aggreed and sent me the full refund after months of going back and forth, which I had not asked for when called. I had never disputed that as they lie. Then later, they reversed it back and asked me to give the refund back plus additional charges. No apology has been offered for the abusive, offensive and XXXX statements made by their supervisors. They refused to contact me to XXXX management to file a complaint.
Product: Credit reporting or other personal consumer reports

I am absolutely outraged that this issue has not been resolved. On the XXXX of XXXX, 2024, I filed a formal complaint with the reporting agency for being in violation of my consumer and privacy rights and for inaccurately furnishing information on my consumer credit report. I requested that the below mentioned accounts be deleted due to being inaccurately reported. 

Experian persists in reporting the below mentioned accounts on my credit report without providing any meaningful evidence of their accuracy or validity. Additionally, they have neglected to specify their reinvestigation process, leaving me in the dark about how they purportedly verified these disputed accounts. Furthermore, they have failed to uphold consumer privacy rights by maintaining inaccurate and unverified information on my credit report. 

Experian 's actions constitute multiple violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections 1681e and 1681s-2. These sections mandate that consumer reporting agencies like Experian must maintain accurate and up-to-date information on consumer credit reports, and they must conduct a reasonable reinvestigation of disputed information upon request.

According to the FCRA, an 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.

They stated that the accounts were verified and updated. But, how is that possible if they never performed a proper investigation according to the law. Also, every piece of information on these accounts are still not being reported 100 % accurate. According to FCRA 15 USC 1681, everything must be 100 % accurate.

They have also violated my rights under : 15 U.S.C. 1681 section 602 A. Which states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

This has caused me hardship and has affected my way of living. 

The following accounts are not reporting accurately : Account Name : XXXX XXXX account number : # XXXX Account Name : XXXX XXXX account number : # XXXX Account Name : XXXX account number : # XXXX Account Name XXXX XXXX XXXX account number : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can
reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX/XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

I got a postal mail offer from Walmart to open and use their store credit card with several discounts for online use. i filled out the response letter and sent it back through the united states post office with my pre approved confirmation code stated on my return document and several months later i get a letter saying they could not grant my request because i had asked for credit from there company too recently, but that was not true i only submitted one return response to open a credit line with Walmart. i see on my credit report that walmart sent a hard inquiry on my credit report inXX/XX/XXXX and also again on XX/XX/, they made a mistake where they " charged '' my credit twice for one inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Fairway Independent on several occasions to dispute this matter. A matter that has been reporting on my credit report since XX/XX/XXXX that I have no relocation of how it even got onto my report in the first place. At Fairway Independent Mortgage I spoke with XXXX XXXX about the issue I stated that I will file a police report on this matter, Ms. XXXX stated that would be good and once I have the police report to email it to her at XXXX. On XX/XX/XXXX I  contacted XXXX Police Department and they stated that because of the address listed on the credit report which is listed as XXXX XXXX XXXX. XXXX, WI XXXX. XXXX PD stated it was out of their jurisdiction that I had to contact XXXX PD. I contacted XXXX PD the officer who took my information sent an officer out to that location and it was determined that this address did not exist under this company name. I sent this information to Ms. XXXX and she put me on the line with Ms. XXXX XXXX who was not able to solve any of my concerns either instead of her solving what concerns I had she kept asking Ms. XXXX if she had any more questions. Now first and foremost it is against FCRA, 604 Permissible purposes of consumer reports { 15 U.S.C. 1681b } for an entity to view a consumer 's credit report without a " permissible purpose. '' Therefore due to the damages that have been done to my report, you are civilly liable to me in the amount of {$1000.00}. Second, because the address do not exist, then it is still considered unlawful to report inaccurate information on my credit report.
Product: Checking or savings account

Hello, I wanted to go shopping today ( XX/XX/year> ) as I enjoy buying jewelry for myself. I had reserved and planned to pay for a XXXX in cash {$21000.00} and wanted {$6000.00} extra in case I wanted to buy something as my debit only has a XXXXXXXX XXXX This was not my first time doing this as in my statement Ive been buying jewelry at XXXX XXXX. The request cash I had asked for was {$27000.00}. After this someone in the Citibank fraud department called me saying they were going to close my account and is in need for investigation. As an XXXX XXXX  who only has 1 bank, its pretty terrifying knowing that I cant use it and it has been my main source of payments. This is the first time something like this has happened and I have been a loyal customer for 4 years now. 

If Im being truly honest, I believe the teller profiled me thinking I had a business but I am just an XXXX XXXX residing in NY for education. I dont know why I was flagged for this was told to me by my other international friends that visiting a bank teller would be the easiest way to pay for high price purchases. 

As I visiting a local bank teller in NY, i had requested for cash and shown details about my purchase and had mentioned all remaining money will be sent back into my checkings account. I had decided to want to pay cash at the store as I had thought going to a bank teller would be the easiest way possible to confirm my identity as I brought my passport and ID. 

As I was waiting in the bank, the teller put me on the phone with the fraud department asking where I receive my funds and why I do. I understand that this is protocol but if you check thoroughly in my history, I have been receiving funds from mostly 1-2 people which are my family members sending me allowance here and tuition. 

I have been banking with only citibank since arriving here in the states and it is my one and only source of spending money. 

Looking forward to hearing from you, XXXX, XXXX XXXX
Product: Debt collection

Since XX/XX/ 2021, Ally restricted my account and will not allow me to make online payments, due to the account dispute documents they've received from me. As a result, I haven not been able to make payments and in turn ALLY has been reporting late payments on my credit files. 

Note that this account has been in dispute since XX/XX/2021 and according to 12 CFR 1026.13 ( d ), I have the right to withhold payments until dispute is resolve and ALLY may not report adverse information to the credit agencies during dispute. Even so, throughout this process I have been more than willing to make payments.

By ALLY denying me the right to make online payments and instead demanding that I send them payments via certified funds they are in violation of 12 CFR 1026.10, which states that " a creditor may specify REASONABLE requirements for payments that enable most consumers to make conforming payments ''. A conforming payment is a payment method that the creditor promotes, which in the case of ALLY is making payment online by debit card, by phone, or via automatic payments. With that said, ALLY 's payment demand is unreasonable and has caused me undue hardship.

Attached you'll find : Ally Statement with payment options ; Ally Letters stating they were/are restricting my account ; Screenshot of Ally online portal showing account restriction
Product: Credit card or prepaid card

A year ago   XXXX   I applied through   XXXX   XXXX   XXXX   for a bed after graduating college synchrony bank  finance  to me at a promotional interest rate that I never knew was going to increase I started noticing that my balance never got any lower I never purchased anything after that I called and found out that my interest rate was almost 30 % I spoke with a customer service rep and then a supervisor and was told it 's not going to change there is no way I would have financed through this bank if I had known that the interest rate was going to be so high
Product: Credit card or prepaid card

XXXX  changed servicers for their credit card to Barclay 's. During this timeframe apparently my terms and fees changed from servicers because I was suddenly charged a few bucks in foreign transaction fees on my card from the previous servicer XXXX  to the new servicer Barclay 's. I called and cancelled my card. I informed them that I wished to close the account based on this issue when they asked why I wanted to close my account, but they made no attempt to explain or refund the foreign transaction fees on my account. I didn't sign up for an account that had these fees. It was not fair when the servicer changed that the fees increased and changed as well. I did not agree to this.
Product: Credit reporting or other personal consumer reports

I am writing to report fraudulent activity on my credit profile that I was unaware of until I recently attempted to finance a vehicle. I was notified several charges and accounts opened in my name without my consent. These fraudulent actions have deeply impacted my financial stability a mental well-being. Additionally, I was part of the XXXX data breach, as well as a more recent breach at XXXX. Despite my efforts to safeguard my information, these breaches have left me vulnerable to identity theft. The stress and XXXX XXXXom dealing with these fraudulent accounts have significantly contributed to my XXXX. I am desperate for assistance in rectifying this situation and preventing further harm to my finan future.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I noticed on my credit report some inaccurate accounts/student loans. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  does not belong to me.Pursuant to 18 USC 8, I owe no debt.
Product: Debt collection

I was a partner with XXXX XXXX XXXX in XXXX, IL from XX/XX/XXXX to XX/XX/XXXX. In my buyout agreement I was released from all financial obligations. I have had other financial institutions contact me about other XXXX XXXX XXXX loans but they released me immediately when I provided them a copy of my buyout agreement. Chase Bank is still trying to hold me liable for two loans, one ending in XX/XX/XXXX and one ending in XX/XX/XXXX. The total amount is {$340000.00}. Please see my attached buyout agreement and late payment notifications. I would like Chase to provide documentation of my release and an assurance that this will not affect my credit score. 

Please feel free to contact me with any questions. 

Thanks
Product: Mortgage

I want the CFPB to investigate the {$260000.00} mortgage on my house and why it had not been released. 
It was supposed to payoff {$260000.00} to XXXX and XXXX in XXXX but wre both released for the second time in XXXX. 

You have my bank statements Released liens XXXX statements and truth in lending disclosures. 
Ocwen needs to prove I did n't pay this loan or send me a truth in lending and right to cancel on this new loan, old loan, credit cards other properties or whatever it is supposed to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the  right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are itemsI wish to dispute on my credit report : XXXX XXXX XXXX ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX
Product: Debt collection

Company original name is XXXX XXXX XXXX XXXX and this company was sold to a XXXX party named Central Portfolio. This took place without my consent and no accurate information provided to me. This account was opened on XX/XX/2023 as stated on my credit report with a balance of {$1900.00}. I've written letters and tried to dispute on the credit bureau and also made a call to company.
Product: Mortgage

After weeks of applying, XXXX with XXXX from which my mortgage was transferred to Nationstar, I was approved for a loan modification. First, my mortgage total amount was increased by approximately {$20000.00}. from the original amount. I thought that the modification was for the life of the mortgage, however, my mortgage payments have increased by over {$250.00} since it 's inception.and is scheduled for yet another increase in 2016. Once the increase was supposed to be for escrow shortage even though the expenditures had been met. When I try to reach the bank for clarification, the connection is dropped and clear and direct answers are never in writing. I have not missed a payment in five years, however I am besieged by by calls as early as the XXXX until the payment is posted. Since XXXX of the qualifications was that you have to be in foreclosure, shopping around for a less predatory and transferring my modification is not an option. What other options are available to me? I am a senior citizen who is retired and became XXXX about XXXX mos. ago. Because of the initial increase, my house value has been under water for the last 5 years.
Product: Checking or savings account

Last year I sent money using Zelle, the phone number was off by 1 digit. When I tried to recover the money it wasnt possible because once sent it goes to persons account immediately. There was no warning to confirm or any measures Zelle took to confirm