23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello. I have an outstanding credit card debt and Midland Credit Management has it. 
Yesterday I called this company in attempts to get some information on how to repay this debt, what is the interest rate, etc. 
The person who answered the call is a middle eastern man with a very thick accent who spoke very quickly making it difficult for me to understand what he was saying. I could however understand him somewhat. After I identified myself, this man went into a very long and boring spiel which was completely unnecessary. He didn't give me a chance to ask my questions and instead, began another long spiel regarding how to get a discount on what I owe. He rambled on and on to the point where I almost ended the call.

This man then asked me to make a payment to 'ensure ' the discount. I made an attempt to explain to him that I rely on Social Security and it is the end of the month so my funds are very low at this time. The guy then turned me over to his manager.

This manager is also middle eastern and spoke very quickly. She tried very hard to pressure me into making a payment, I told her the same thing I had told the first person. She was absolutely relentless and used a very demanding and accusatory voice.

I tried to remain calm and told her over and over that I absolutely could not make a payment. She then began badgering me asking me if I could make a {$80.00} payment then a {$60.00} payment until she stopped at {$45.00}. Again and again I told her I could not. This woman got angrier and angrier and demanded to know how much of a payment I COULD make!

Again I said I couldn't make ANY payment. She then threatened to take the money from my banking account even though she doesn't have my banking information and then lied saying she didn't say it. She stressed me out so much I told her to " have a good day '' and I hung up. 
I want to clear this debt but I can't unless I have more information which I did not receive. I refuse to deal with nasty demanding and pushy people. 
What can be done???
Product: Credit reporting or other personal consumer reports

My credit report shows a new erroneous balance entry of {$34000.00}, posted by Mohela/XXXX XXXX XXXX, which was reported on XX/XX/year>. When I contacted Mohela right away, they told me that the issue will be fixed in 90 days and that it was a duplicate entry brought on by their move to a new web platform. They claimed that XXXX was to blame for the problem and that they did not experience it, which I told them was unacceptable as it was negatively affecting my credit score. I tried to call XXXX, but I've been on hold for a very long time and they won't answer their phones. Please help me. 

Sincerely, XXXX XXXX XXXX
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. 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 an 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Please provide all relevant documentation such as billing statements, signed contracts to valid this debt. This company XXXX XXXX XXXX is a predatory lender and should be shut down due to their illegal business practices with their Car Dealerships refusing to provide tags, or DMV registeration without customers paying additional monies in cash to the dealership directly, even after the tags & taxes were included in the loan amount. Because they would not provide it, the car was turned back over to them.
Product: Debt collection

XX/XX/2019 I received four calls from Conn 's homeplus I gave them XXXX dollars out of XXXX that I originally supposed to pay onXX/XX/2019 they called I told them that I was gon na try getting the rest which is XXXX they call four times that same day XX/XX/2019 they called four time   XX/XX/2019 they called four times XX/XX/2019 they called four times
Product: Payday loan, title loan, personal loan, or advance loan

Took out a Payday loan with MAXLEND on XX/XX/XXXX for {$870.00} assuming the APR was 10 % or 35 %. Making payments first was XXXX and then every XXXX weeks {$210.00}. Then noticed I had paid {$1400.00}. Looked at my PDF paperwork ( should have checked when I got it ) that my APR was now 635.47 %. Total payment {$3800.00} in 18 payments up to XX/XX/XXXX. I paid them off on XX/XX/XXXX owing and additional {$890.00}. Making the total payout {$2300.00}. They profited {$1400.00}. I live in Texas which I checked gives them the right to set any APR. As of today ( XX/XX/XXXX ) they changed their " How it Works '' to say they will adjust the APR according to your current credit rating.
Product: Credit card or prepaid card

A credit card JPMCB CARD SERVICES waS opened XX/XX/23 with a balance of XXXX which I did not open. I received an alert from my bank
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I sent via Certified Mail disputing several inquiries that I did not authorize. Transunion has since received the mail and neglected to investigate, provide the burden of proof or remove the unauthorized inquiries. 

Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX, XXXX, WI XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX UNIT XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, TX XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, TX XXXX | ( XXXX ) XXXX Inquiry : Online InfoDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, NC XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/scrub>XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

CH XXXX bankruptcy Docket XXXX Attorney XXXX  XXXX XXXX date file XXXX date dismiss XXXX Fraudulent bankruptcy that Experian will not remove after multiple attempts to dispute. They will not remove this. I have sent several documents to them and it's been going on several months. Also the address is wrong on the Ch XXXX filing as I have no idea what that address is it is not on any of my credit reports. 
I will attach all the documents that I have which they have already received. Please I appreciate your promptness as this is negatively affecting my life right now. I really need this fixed and resolved please. 
Social XXXX Birth date XXXX
Product: Debt collection

I received a call at work and my coworker answer she said there was a XXXX XXXX on the phone and that it was regarding an urgent family matter as soon as I got on the phone, this man said he was a case processor and said that there was XXXX complaints against me by the state of California and that if I would like to speak with an attorney to do so and he said it was regarding a payday loan that was unpaid and that they were going to sue me? He had also left a voicemail on my phone saying good luck to you in th next couple days. I found this very harassing
Product: Debt collection

I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Pursuant to the Fair Debt Collection Practices act there must be a contractual agreement and they have failed to provide this. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.
Product: Debt collection

This debt has been included in Bankruptcy case XXXX. It is still showing up on my credit as an open collection.
Product: Mortgage

To whom it my concern, I am issuing a formal complaint about CMG. I was transferred to CMG Mortgage in XXXX when I refinanced. I made a payment for my XXXX mortgage on the XXXX of XXXX and my XXXX mortgage on XX/XX/XXXX. See below. These proof of payment have been provided to CMG at least 4 times by me - and faxed by XXXX XXXX XXXX. I have been calling since XX/XX/20 with proof. 

I have called and provided proof of payment. I have emailed and provided proof of payment. I have called back again to confirm proof of payment. XXXX  XXXX XXXX has faxed the payment proof. 

CMG continues to send negative reporting on me to the credit agencies which is unwarranted. I have been on the phone for hours with CMG trying to speak with a supervisor and clear my credit. No one will help me. I keep being put off, but on hold and refused when requesting a supervisor. 

For CMG to destroy the credit of someone who has paid on time, when proof and communication is present, is horrifying.

CMG is unfairly trying to destroy my credit. This is completely unwarranted and unfair. I have paid on time. I have spent hours making calls, going through the proof of payment - and its the same story every time - no one will provide me written proof that this is in process and payments have been confirmed sent or honoring my requests to begin clearing the erroneous dings you placed on my credit. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$86.00}, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/2020 These items are reporting on my personal credit file with ( XXXX/ExperianXXXX ) credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 an 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: Checking or savings account

During XXXX of XXXX  I opened a Chequing account with the US arm of TD ( Toronto Dominion ) Bank as an expatriated citizen living in XXXX. The primary purpose of this account was to facilitate any transactions I had to do in US dollars ( seeing as there are significant holds and fees in cashing US XXXX  and performing currency conversions ). At the time I had 3 XXXX  from the US Department of the Treasury related to COVID-19 payments ( a.k.a Economic Impact Payments ). I intended the cashing of these to be the first transactions on the account. 

As part of this process I submitted all of my personal information of my status as a citizen including federally issued documents from when I lived in the US. As a part of their account opening process they do seem to allow XXXX addresses.The account was opened after some verification process was attempted over the phone in the ensuing month. 

Immediately after the account was accessible I attempted to setup Online Banking. After gaining access on their mobile phone and browser based applications I attempted to cash one of the 3 XXXX  ( I believe it was for XXXX USD on XX/XX/2023 ) ; and it seemed to go though and be put on hold. A few hours later I attempted to re-sign in to the account only to receive errors that I was not allowed to sign in and had to contact them over the phone. After multiple discussions with their support people I had learned that my account had been flagged by one of their departments for fraud or suspicious activity, and that they were no longer allowed to keep providing me service. ( or rather that it was frozen ) However, in the ensuing months I seem to keep getting notices in my email about account activity ( including that monthly statements were generated as well as the hold status of the XXXX  ). I've also received paper mail as if I were a normal customer with access to their account. 

Frankly I don't have much desire to do any further business with them ( they don't seem to have any\many reliable processes on dealing with expatriated Americans, even though they offer products that advertise for that purpose ). However they do still have one of the three federal COVID-19 payments. Which as a tax paying citizen I would appreciate getting it back ( I think it's fair to say XXXX dollars is not an insignificant sum to most people ). 

Unfortunately I only learned of the CFPB recently, otherwise I would have submitted this much earlier back in XXXX  with many more specific dates. Any assistance you may be able to provide would be much appreciated. I've gathered as many details as I still have including account information, paper statements ( of which I have at least one ), Paper notices of the hold, and my debit card and will provide them freely to any and all parties upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is refusing to prove in writing, their validation and verification process on closed accounts that they are reported as " failure to pay ". 
Accounts are closed and not from the original creditors. 
Amounts are incorrect and not the original amount owed. 
Accounts are showing inaccurate non-payments. 
All addresses except : XXXX XXXX XXXX XXXX, CA. XXXX are to be removed All Hard Inquiries except XXXX XXXX were NOT approved by me.
Product: Mortgage

My mortgage was sold to a new servicing company. I was never contacted by the original bank, XXXX XXXX, about the transfer. The purchasing company sent letters but they just looked like junk mail to me. The envelopes had Mr Cooper as the sender. I had no idea a mortgage company would have such a name, and I just then thought it was more junk mail. I eventually opened one of the envelopes and realized that it was the new mortgage company. I immediately made my payments online. Within a week, they reported my payment as 60 days late. 

I know I have a grace period from when the mortgage is sold of 60 days and I feel like I made the payment in time given the circumstances surrounding the sale of the mortgage and the lack of any communication from the seller or any email contact by the seller or the buyer of the mortgage. 


I dont understand how the seller and the buyer do not communicate contact information other than an address. Phone number is an emails are ubiquitous and are not used by these companies when mortgages are sold. This is the second time something like this has happened to me in the last year and its really ridiculous that they cant use modern technology to get a hold of me. 

I asked that you have the Mr. Cooper company rectify my credit. I believe I made the payment within the 60 day grace period provided by Law. 

My credit score fell by XXXX points because of this fiasco.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below in my credit report : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX BANK XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$3900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX  XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to allow me to place a freeze on my credit report using the online or phone system. They want me to mail all sorts of personal information to them through US mail in order to do this. This sounds completely ridiculous. Someone has tried to open a credit card in my name and I'm just trying to protect myself as the law permits.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid {$990.00}. on my Chase Visa card to XXXX XXXX XXXX for a tour to take place XX/XX/XXXX. 
XXXX XXXX XXXX sent email saying theyre going out of business. I immediately filed a claim with Chase attempting to get my money back. Their response was too bad but no because too much time elapsed since purchase. I appealed the decision to the Executive office last month. I received a voice mail response again saying no sorry cant help you. 
Meanwhile in XX/XX/XXXX I received a XXXX report saying the company is insolvent. 
There is a significant on-line presence of other travelers also pursuing refunds from their credit card companies. Some of these folks are receiving a credit from Chase and I want to be one of them! 
Please help me get my {$990.00}. back from Chase Bank. Thank you