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

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Credit Card 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified experian they were incorrectly reporting that I missed a car payment on my credit report. The account in question is XXXX XXXX Acct # XXXX. The account payment was due XXXX and the payment according to XXXX XXXX own billing statement, XXXX payments was received XXXX. This missed payment is gravely effecting my financial endeavors and I continue to plead with experian and never get any results unless I submit a complaint thru cfpd. 

According to FRCA, a account can not be reported as late, until it has been XXXX  days late. In this case, its been XXXX days. Due XX/XX/21 XXXX received XX/XX/21
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 1. XXXX  - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX  - XX/XX/XXXX
Product: Debt collection

Subject : Complaint Against Midland Credit Management Inc. for Debt Collection Violations Case Number : XXXX Complaint Overview : I am filing this complaint against Midland Credit Management XXXX for multiple violations of federal consumer financial law, including the Consumer Financial Protection Act ( CFPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, Midland Credit Management Inc. 's actions violate California Civil Code provisions related to coerced debt and conspiracy to defraud. These violations have caused significant harm and distress, and I am seeking the CFPBs assistance in addressing these issues.

Details of Violations : Failure to Validate Debt ( FDCPA Violation ) : Midland Credit Management Inc. has failed to provide proper validation of an alleged debt despite my lawful requests. Under the FDCPA, I requested validation of the debt, including a true and correct copy of the original signed agreement, as well as a detailed account history. However, Midland Credit Management Inc. has not provided this documentation within the legally required timeframe.

Failure to Adequately Investigate Consumer Reporting Disputes ( FCRA Violation ) : I submitted a dispute to Midland Credit Management Inc. regarding incorrect information they furnished to credit reporting agencies. Despite this, they failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act. As a result, inaccurate and damaging information remains on my credit report.

Wrongful Filing of Lawsuits ( CFPA, FDCPA, and California Civil Code Violation ) : Midland Credit Management Inc. initiated legal action against me ( Case Number : XXXX ) based on a debt that was not properly validated and likely incurred without my knowledge or consent. This debt falls under the definition of " coerced debt '' as outlined in California Civil Code 1798.97.1, which refers to obligations incurred without a consumers consent. The lawsuit was filed without sufficient evidence, constituting a deceptive practice under the CFPA and FDCPA. Furthermore, their actions suggest a conspiracy to defraud me, violating California Penal Code 182 ( a ) ( 4 ), which criminalizes conspiring to defraud any person of property, including through fraudulent debts.

Harm and Impact : The actions of Midland Credit Management Inc. have caused me significant distress, financial harm, and damage to my credit reputation. The failure to properly validate the debt, to investigate my disputes, and the filing of a wrongful lawsuit have left me in a state of uncertainty regarding the legitimacy of the alleged debt. The wrongful lawsuit, in particular, has added to my emotional and financial burden.
Product: Checking or savings account

I need to open XXXX disputes for this transactions, the bank locked my account and I cant access to my online banking, also the call center doesnt work. 

Transaction XXXX : XX/XX/XXXX {$1000.00}, XXXX ( is the name of the payment processor ), merchant name is XXXX. It was a XXXX XXXX XXXX Transaction XXXX : XX/XX/XXXX {$990.00}, XXXX ( is the name of the payment processor ), merchant name is XXXX. It was a XXXX XXXX XXXX XXXX  Both orders must be delivered to my address on file on or before than XX/XX/XXXX. 
I started to contact the store on XX/XX/XXXX until this month without having any answer from them. The never answered the emails or phone.
Product: Credit card or prepaid card

In early XXXX of XXXX, found some one use my name to open Apple Card at Goldman Sachs back to XXXX. Reported ID theft follow the persons with my call suggestion from Goldman Sachs. ( See below attachment. ) The balance shouldn't my responsibility Back due to i never open the account. 
Had 4 or 5 phone call with them already and no progress to solve the problem. Continue receive email weekly like attached document to let me to pay the balance. 
1. It is not my responsibility to pay it due to i never open it 2 don't know how to pay it either.
Product: Mortgage

I contact PNC regarding why my outstanding principal was not going down off pay for 11 years .It was told to me during the loan process that it was a fixed loan second mortgage and will be paid off with in 15 years but come to find out this is not true and was not disclose that is a home equity installment loan. I did not find out into I reached out to PNC asking more question about this loan type. They told me that I can refinance the loan which is almost the same amount that I started with for another 14 years. 

The correct information was not disclosure to me and my family regarding this loan. All the money I have paid in the last couple is going to the bank not to the loan amount which is still high. I am requesting that the company put some of the money I have paid into the loan because I did not fully understand the terms of agree upon at the time of services and was told something different. If lender states you are get a second mortgage ensure that the correct information is disclose to you and not get a home equity installment loan. This product is a waste they money thing you pay of your loan just too find out that you still owe the same amount. 

Please feel free to contact me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

I have disputed the three bankruptcies listed on my credit report with transunion. They have failed to removed the inaccurate information from my report and stated that the information was verified. I reached out to the courts and they confirmed that they did not provide this information to TransUnion. I also disputed this information with XXXX which is a third party that purchased information from PACER. XXXX stated that they did not supply TransUnion with this inaccurate information. I have attached all of the supporting documentation. I have also attached my drivers license and social security card for identification verification purposes. XXXX have taken accountability and removed this inaccurate and unverifiable information from their system. I would like for TransUnion to do the same.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX of inquiry : XX/XX/2023 Account name XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Account name : XXXX  Date of inquiry : XX/XX/2023 Account name : XXXX Date of inquiry : XX/XX/2023 Account name XXXX XXXX  Date of inquiry : XX/XX/2023 Account name : XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Account name : XXXX XXXX  Date of inquiry : XX/XX/2023 Account name : XXXX Date of inquiry : XX/XX/2023 Account name XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX regarding Bankruptcy # XXXX ( Provider of bankruptcy reporting to credit bureaus ) and was sent proof letter from XXXX XXXX that the Bankruptcy doesn't exist, and I also was given a letter from the UNITED STATES BANKRUPTCY COURT that they don't provide any information to credit report agencies.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX XXXXXXXX Account XXXX XXXX ) ( XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXXXXXX Account XXXX XXXXXXXX ) ( XXXX XXXXXXXX Account XXXX XXXXXXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX Account XXXX XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation 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 reinvestigation ;
Product: Checking or savings account

Tried to deposit checks with cash back. Paychecks were to my roommate. He endorsed them over to me. Manager XXXX would not allow us to deposit, even though we were both present with ids. Been depositing these check for two years and he claims the bank doesnt allow checks to be endorsed to others. Extremely rude.
Product: Debt collection

I have been disputing this account for some time now with PROCOLLECT. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Bank account or service

I have a loan that originated with XXXX XXXX. The servicing company is Midland Services, a PNC company. The total loan amount was $ XXXX for various properties I own. At the last minute, the lender advised me that they would be withholding funds from the loans for certain repairs. I took the loan, but approximately {$38000.00} was withheld. {$16000.00} pertained to XXXX particular loan on a property at XXXX XXXX XXXX, XXXX, Texas. I successfully completed all the work on the list, particularly the replacement of the roof, installation of XXXX circuits, and repair to the flatwork. For about XXXX months now, I have been contacting Midland to get the {$16000.00} returned to me, but I am having no luck. Please contact them and help me.
Product: Checking or savings account

What happened with my bank is this ... In XX/XX/2020, I purchased bunk beds for my children. I received the merchandise and attempted to put it together. When I could no longer by hand, I had my friends husband come by and attempt to put it together with power tools and it still was unable to be assembled. I called the company 3 days after receiving the product and left a voicemail and got no return call. I then began emailing and then got a response. Me and a lady with the bunk bed company wasn't understanding and kept saying she would resend a missing piece of which there was one. I tried to stress to the company and my bank, that it wasn't that, that made me want my money back. If it was just a missing piece, I would've just said send it, but screws were getting stripped trying to be screwed in, and others weren't staying in. This was all attempted with power tools. I disputed the transaction with my financial institution and on both occasions, yet my children are still sleeping on mattresses on the floor. They are making it like it's a buyer 's remorse dispute, when in fact the merchandise is defective.
Product: Checking or savings account

Closing my CD with CITIBANK , N.A . - the only option to receive my funds was a check sent untracked / uncertified via XXXX to my home address. 
While CITIBANK online tools and written letters refer to electronic changes ( e.g. withdrawal of CD funds ) being a possibility - no electronic way of transferring my funds was made available to me. 

After spending XXXX mins with the CITIBANK customer service on the phone, the only way to receive my CD funds at account closure was via check. A wire transfer was initially suggested ( I was willing to pay the associated {$25.00} domestic transfer fee ). But it turned out that I was not able to initiate the transfer directly from my CD account to an externally linked checking account with another financial institution. I would have to open a CITIBANK checking or savings account first- which would ruin my XXXX XXXX. 

This is a terrible business practice, misleading written statements regarding possible online change options and presents a huge " barrier to exit '' / switching cost for me as a customer. There was no mail tracking number provided and as to the risk involved, CITIBANK would launch an investigation IF I wouldn't receive my check in the mail. 

Today, the account was closed, and I am currently awaiting to HOPEFULLY receive my check as uncertified mail within the next XXXX business days. Tough days of anxiety and uncertainty ahead of me waiting for my entire life 's savings to arrive via XXXX mail. TERRIBLE customer-focus!!!
Product: Debt collection

I leased a XXXX XXXX dealership with XXXX in XXXX. I returned it in XX/XX/XXXX at the end of my lease. I am now being charged {$130.00} for a tire repair kit that I was never issued. 

I called the XXXX Lease End Department and after multiple calls, I finally managed to speak with a supervisor who said that they will not waive the fee. They say if I want the fee waived, I need to go to the dealership, which has since changed hands 2 times, and convince them to give me this part for no cost. They then want me to ship it certified to them. I don't think it's right that I should have to spend {$130.00} to fix their mistake, and I don't believe I should have to haggle with the dealership to try and convince them to give me this part for no cost, and then have to ship it certified with my money. Their rationale is that it is illegal to sell cars without either a spare tire or a tire repair kit, yet they did just that. This is their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivable MGMT does not have a contract with myself. The FCRA requires a written contract. Receivable MGMT has not provided verification. Only a final bill that is not itemized nor does it reflect the actual account holder. I was not given an opportunity to dispute, because I do not live at that address. 

By law, receivable MGMT is required to remove any negative reporting while they investigate, the are not legally able to keep any inaccurate information on my report while they try and find validation. They should have this documentation already if they intend to collect. 
This account was protected under the CARES act and was communicated to the original debt holder which is NOT Progressive. I plan to follow up with the State Attoney Generals office
Product: Credit reporting, credit repair services, or other personal consumer reports

Unlawful activity was reported on my credit report cause me to not have credit incorrect information was reported an Equifax by XXXX XXXX an XXXX XXXX uptain debt from me that I have no knowledge sents XXXX never have no knowledge about any account Equifax allow them report this on my credit report I requested that XXXX  XXXX an XXXX XXXX should be removed from my credit report due to cause me to suffer from bad credit they should be removed off my credit report XXXX not who reported this incorrect information reported me deceased illegally state someone reported me deceased I should half to go through this data breach I was exposed never received my settlement check from Equifax lease remove them off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( with a cosigner XXXX XXXX ) have an auto lease with Toyota. They claim my XX/XX/2019 payment was 30 days past due. I spoke with a manager over the phone we did a 3 party call with my bank to confirm. The manager agreed to remove 30 day late because of incorrect information. I have an excellent payment history, and this is unfairly hurting both mine and my cosigners score. I would do anything necessary to rectify this. I appreciate any help, thank you, XXXX
Product: Credit reporting or other personal consumer reports

Tried accessing my equifax account that I created on XX/XX/year>. But it says I dont have an account with the email provided. 

Tried going with need help logging in and when i input my information it says theres no account associated with the email. 

Tried creating an account but after entering my information, it says that my information already has an account. 

Called in to get it resolved and they were not able to help saying that theres no account associated with my email. 

I also still have the email where I created my account.
Product: Debt collection

Setup a settlement payment plan with Cash.Net USA. I made 4 payments of {$320.00}. I was 10 days late on 5th payment. Instead of working with me to resolve the remaining balance of {$640.00}, they now want {$1900.00}. A {$1200.00} increase for a 10-day late payment is absurd.