23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX Midland Credit Management Inc timing to resolve a dispute on an alleged account is unacceptable. As of XX/XX/2023 I submitted a claim here with the CFPB stating I told MCM inc to cease and desist and they did not take me seriously. 15 U.S. Code 1692c ( C ) has been violated by MCM Inc and my FDPCA rights has been violated. Second As 15 U.S. Code 1692g states this is my response within 30 days and my complaint as said further. 15 U.S. Code 1692C ( A ) states - " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have never given MCM Inc consent to contact me over an alleged debt that was incorrectly owed. At no point in time is a good time to discuss an allegedly incorrect debt. MCM Inc is implying that I have engaged in business with their company. I am requesting a visual signed contract with my signature proving that I have allowed for them to conduct business with me on this alleged account. Third MCM Inc is in possession of my personal information with I have never given them consent to have. I want to know how they got that information on this alleged debt that is incorrectly owed. This is a violation of 15 U.S. Code 1692b. Fourth MCM Inc needs to prove the existence of this alleged account and prove by verification, and " Verification '' is defined in XXXX Law Dictionary ( 4th ED. ) as " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition ''. MCM Inc shall provide a signed valid contract with these terms including A Chain Of Assignment showing who has been in possession of this account, and a Sum Certain showing a complete accounting of how this alleged amount was arrived at, monthly statements, cardholder agreement signed, and a full original purchase agreement signed. Also under Tennessee state law ( TN Code 26-2-111 ( A ) ) and 11 U.S. Code 522 ( 10 ) ( A ) The only income I have coming in is Unemployment from the State Of Tennessee. This information is in no way an acknowledgment that I owe on this alleged account. This is considered exempt income under Tennesse Law and US Federal Law. If MCM Inc fails to be able to provide this information I expect them to delete this account from their files, and no further efforts to collect on this allegedly incorrectly owed debt will be made.
Product: Mortgage

I filed for modification again in XX/XX/XXXX -- -I made three months trial payments -- sent all information they ask for -- -- I was informed that modification approved XX/XX/XXXX but I did not receive final modification papers until XX/XX/XXXX ... ..I called them every week to get an update -- I was told " we are working on it '' ... I finally made a call to XXXX XXXX and asked them about my loan -- they said they would inquire to chase about my loan ( this was in XX/XX/XXXX ) ... I have gone through so much stress about keeping my home..after filing chapterXXXX -- losing my husband -- and a decrease in income -- I have had increased XXXX  -- I now have that modification ... ..but is it for real????
Product: Checking or savings account

I deposited a check for {$7600.00} on XX/XX/XXXX to my business account at US Bank. During that visit I made sure to get the teller to confirm I filled out the check correctly, she confirmed it was fine and that I would have access to the money the next day. XX/XX/XXXX I submitted a transfer from my bank account to pay off my US Bank credit card, which was {$1200.00}. XXXX XX/XX/XXXX I noticed my bank account available balance was - {$1100.00}. I called and was told the USBank XXXX department had put a hold on the funds for an unknown reason and I would n't have access to the funds until XX/XX/XXXX. Today I stopped by the US Bank branch and talked to them, ( the teller had to clear her breakfast from her desk as I approached ) I asked if they could cancel/reverse the payment to my USBank credit card so my checking account would n't be overdrawn. I wanted to only make a minimum payment to keep the credit card account in good standing and not have a negative on my checking account. I also explained the {$7600.00} check had cleared my other account, so why had n't US Bank released the funds for my account. The teller said she did n't know if the credit card payment could be reversed, she would have to call the credit card department. She then went to talk to another teller and came back to say they would not reverse the credit card payment and they would not release the funds for my account. She said they would work with me on fees assessed instead. She never made any calls to the credit card department or anything .... But I guess she was able to get back to that breakfast sandwich.
Product: Debt collection

Unifin is calling my phone asking me to verify my social number and refusing to answer my questions about the legitimacy of the business. They stated they have a personal matter with me. I told them if you are a business then you have a business matter with me. I asked to speak with supervisor. Even supervisor was bo help. I just want to know who they are and what do they want? 

XXXX is the number they call me from.
Product: Debt collection

Last year I elected to change my banking relationship from XXXX XXXX to XXXX. One of the accounts I attempted to close was a checking account # XXXX I used to auto pay my monthly homeowners fees to XXXX XXXX XXXX in XXXX, Fl. in the amount of {$68.00}. 

I personally visited the XXXX XXXX  branch on XXXX XXXX. XXXX to close the account and spoke to a bank officeXXXX named XXXX who supposedly closed the account as requested. 

Several weeks later I began receiving notices from the HOA that XXXX XXXX was continuing to send payments to the HOA which they were returning without cashing, and I needed to contact XXXX to resolve this issue. 

I again visited XXXX XXXX  and spoke to the same officer and stated that the account was not properly closed and XXXX was continuing to send checks to the HOA. He said he would take care of the matter without further delay. The issue was not resolved and checks continued to the HOA. 

I then continued to contact the original XXXX XXXX manager who had opened the account and he contacted XXXX. This appeared to resolve the matter and I assumed everything was finally properly taken care of. 

Last week I received a call from XXXX XXXX stating I needed to pay an outstand debt on this account in the amount of {$54.00} or it would be turned over to a collection agency. This is more than a year after I assumed everything had finally been taken care of. They also stated I received a collection letter I also did not receive until several days later. I called the collection agency to explain the issue, however, they said since XXXX  was their client I needed to contact XXXX directly. 

I again visited the XXXX branch on XXXX XXXX. this time speaking to the manager XXXX who promised to look into the matter. A couple of days later I received a call from her stating XXXX was not willing to waive any fees and I needed to the debt or a collection action would be taken against me. 

Tis is not a debt which I owe and is clearly the fault of XXXX XXXX  which did not properly close my account when tis all started. /what I find most interesting the debt attempting to be collected {$54.00} is not even the same as the HOA fee of {$68.00}.
Product: Credit card

I have had the XXXX  FNBO XXXX credit card with XXXX for 1 year now ( Since XX/XX/XXXX, it is now XX/XX/XXXX at time of writing. ) Since XX/XX/XXXX, I have had a statement credit of - {$610.00} on my account Between XXXX - XXXX of XX/XX/XXXX, I started to spend this credit. 

However, on the XXXX on XXXX, the ENTIRE REMAINING BALANCE of {$420.00} was REMOVED from my account. Gone! 

Transaction detail : XXXX XXXX XXXXT {$420.00} I haven't been emailed about this. I haven't been called. No letters in the mail. Nothing. 

On the XXXX of XXXX, I called fnbo and I waited XXXX to speak with XXXX. She told me I had to visit a bank to confirm my identity, but she kept talking over me. I asked to speak with the supervisor and she refused, she put the phone down on me. 

Before I called, I could log into my bank, however after this call, when I try to login to m card, it says : " Account not found '' When I call them back and enter my credit card number for verification, the phone call NEVER continues, it just goes silent. I feel like I've been scammed. 

I demand to know what is going on here!!! and I want my money returned to me! 

Regards XXXX XXXX
Product: Mortgage

Hi, I am writing a complaint on US Bank Mortgage. I am a XXXX. I have been working with my client since last XXXX 2016 to sell her house. We have a contract. It has turn into a short sale. The bank, US Bank has been dragging there heels. Give us the run around no action of getting a answer whether not the offer has been accepted. Today, XXXX I spoke with relationship manager handling my client 's case and still no new updates whether or not the offer contract on file has been accepted. This is causing unnecessary delays. We have tried to delay the auction foreclosure process. I got a contract on this house and no response from the bank US Bank and no action. Just constant unnecssary delays. Please feel free to contact me where I can discuss further details.
Product: Debt collection

This is XXXX XXXX with new & updated information about my recent complaint XXXX. President XXXX XXXX & FirstPoint Collection Resources , Inc. still failed to send me proper verification under oath of this alleged debt under oath pursuant to ( 28 USC 1746 ). I am demanding FirstPoint Collection Resources , Inc. to stop all communication immediately once again with third parties- XXXX XXXX XXXX XXXX XXXX immediately pursuant to 15 USC 1692c ( b ). Failure to stay in compliance with any provisions listed shall result in legal action pursuant to 15 USC 1692k.
Product: Credit card

I closed my credit card with TOTAL CARD VISA on XX/XX/XXXX over the phone. I paid my credit card bill in full prior to closing it. I spoke with a representative named XXXX who helped process the closing. I was told over the phone that the monthly fee of {$6.00} and annual fee of {$48.00} were refunded/waived. I paid a total of {$310.00} ( including the waived annual and monthly servicing fees ). After being waived, my account online now shows my balance is negative {$54.00} ( {$6.00} + {$48.00} ). I was also informed that a refund in the form of a check will be mailed to me. All of this happened on XX/XX/XXXX. I was never given a timeline on when I am going to be receiving the refund/check. It is now XX/XX/XXXX and I have yet to receive any refunds from TOTAL VISA. I had called numerous times and had been repeatedly told the check will be mailed and has not been mailed yet. I have attached a screenshot of my statement showing the fees I paid, their reversals and the total amount of what I paid. 

Name of credit card company : TOTAL CARD VISA ( XXXX XXXX XXXX  )
Product: Checking or savings account

I request a waiver for all fees for this account until a mutually acceptable resolution for all my multiple complaints is reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account with XXXX Mortgage has been reported late in XX/XX/2020 and in XX/XX/2020. Both months were paid on time. I have repeatedly asked XXXX to address these inaccuracies and they have not. We paid off this loan in XX/XX/2020 and XXXX continues to report inaccurate and late payment information to the credit bureaus. My requests have gone unanswered. My credit score continues to drop with their inaccurate reporting.
Product: Checking or savings account

I had a fraudulent/scam situation whereas the person of interest has a Chime Bank account XXXX They took {$90.00} to cover a partial rent. After I found out the place that was supposedly for rent was not available, so I filed a complaint against two money transfer account. XXXX with XXXX XXXX who launched an investigation and Chime. Chime on other hand cannon recoup the {$90.00} but made me upset that Im dead set closing this account for handling fraudulent and scam
Product: Debt collection

A fraudulent XXXX XXXX XXXX debt has been floating around in my name. I have confirmed with XXXX XXXX XXXX that not only they did not pass any debt to collection agencies, I have never had outstanding balance period. Now, this AFNI collection agency is trying to collect this fraudulent debt from me.
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, XXXX XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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 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: Mortgage

Please see attached letter from JP Morgan Chase Bank, NA it mentions two things I have not addressed which is first, the date Chase states I stopped making payments. Let me clear this up. On XX/XX/XXXX My document expert proved with the 183 5B affidavit that Chase ( does have in its possession ) that not only the Mortgage AND the Promissory Note are PhotoCopied but are as well as being Forged. Once I got this proof of fraud my last payment into this fraudulent and predatory alleged loan was NOT on XXXX of XXXX as Chase states in the letter. ( see attached )!!! In fact at the very time of the document experts affidavit of fake documents I did in fact on XXXX of XXXX stop paying on this fake/predatory alleged loan AFTER I got this Evidence of Fraud on XX/XX/XXXX. Second issue to address here is that this letter also states that Chase is transferring my property ( or abandonment-This Never happened ) Neither are true. I have been living in this property since XX/XX/XXXX and have NO INTENTION of moving out. It is my ONLY home of XXXX yrs. I am XXXX yrs old, XXXX, indigent, high school only education and recently had XXXX XXXX. I NEVER ABANDONED MY PROPERTY NOR DO I AGREE TO ANY TRANSFER OF IT!!! I DO NOT AGREE TO ANY TRANSFER!!!! More lies by Chase to try and steal my home for profit illegally. I have paid XXXX since XXXX on a {$72.00} predatory/fraudulent alleged loan. This is near 3 Times paid off and because it is fraud I WANT ALL MY MONEY BACK SINCE XXXX including all of the fake fines, fees, charges, interests, and etc.. charged me illegally.
Product: Credit card or prepaid card

I was scammed on XX/XX/2021 by. Company named XXXX, they were a scam company using saying there were XXXX company. The charge was for XXXX. 

The charge was from XXXX and though i paid on my Citi card. 
As soon as I found out there were a scam company, I called the Citicard When the charge was still pending and requested to cancel the transaction. 

They told me, I can only dispute after it is paid. Once it was paid I sent them all documentation and and disputed it. Now they came back to say I still had to pay it.
Product: Debt collection

Pressler & Pressler debt collectors placed a lien on my home for a paid in full credit card debt and I provided a copy of the cancelled check as proof and by leaving off the last four digits of the card account number, stated "it is for the wrong account"  so liars and so deceptive it is beyond comprehension!!!
Product: Checking or savings account

I bank with Capital One and have credit with them as well. Generally I receive early direct deposit ( a day early, payday is Friday and generally receive deposit on Thursday ). I know Im not entitled to early direct deposit but it is now Friday and no deposit, still, on my actual payday. Capital One says there is a third party issue with deposits and we were told yesterday that it was likely to be fixed overnight into the morning. I will end up having multiple late fees for 3 credit cards that are due today, as well as an XXXX payment that hasnt gone through and may wind up causing issues. Im not sure what to do and incredibly frustrated, as are all Capital One customers who havent received their direct deposits. Shouldnt there be multiple fail-safes in place to avoid this kind of large disruption, is what I keep thinking. Im not sure if this complaint will do any good in the long run, and I know it wont solve this outage but very dissapointed with Capital Ones service and lack of response and communication. This seems to be an example of many of us relying on the too big to fail feeling of large banks, and at the mercy of both large corporations and technology in todays world. My main question is will Capital One cover the cost of late fees and missed payments or auto payments, and how do they prevent another large disruption like this going forward. Im sure to look at other banking options, not because there was an issue with a third party vendor that caused delays in deposits, but because Capital One did not communicate well or offer anything in the way of helpful communication or updates. Incredibly frustrating.
Product: Debt collection

I have already disputed this debt once before and it was removed from my credit report because it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX alerted me that a new account ( XXXX/XXXX   ) was open in my name by LVNV Funding on XX/XX/XXXX. This account was closed on XX/XX/XXXX. I have made regularly monthly payment through XXXX XXXX XXXX XXXX. I have my statements proving that I make timely payments to XXXX XXXX  and they send the payments out according to the payment agreement. LVNV Funding has cause the credit bureau agencies to lower my credit score by 100 pts. This company has been harassing me six times a day Monday - Saturday since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX  ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit report.
Product: Credit card

Here is a rewritten version of the complaint in a format that matches the Consumer Financial Protection Bureau 's online submission form : *Complaint Category : * Bank Account or Service *Subcategory : * Account Closure *Company : * JP Morgan Chase Bank *Complaint : * I am writing to complain about JP Morgan Chase Bank closing all of my accounts, including my bank and credit card accounts, without any reasoning or explanation. I have been a customer in good standing for XXXX  years, always making timely payments and maintaining a positive balance. 

On [ date ], I discovered that all of my accounts had been closed, leaving me without access to my funds and credit. I have tried to contact the bank to understand the reason for the closures, but they have not provided any explanation. 

*Account Information : * - Account numbers:XXXX - Account types : Bank and Credit Card Accounts- Length of account history : XXXX  years *Desired Resolution : * I would like the Consumer Financial Protection Bureau to assist me in resolving this matter. I request : 1. An explanation for the account closures 2. Reinstatement of my accounts 3. Compensation for damages and inconvenience caused 4. Assurance that this will not happen again in the future *Contact Information : * - Name : XXXX XXXX XXXX Address : XXXX XXXX  XXXX MI XXXX - Phone : XXXX - Email : XXXX *Additional Information : * I have attached a copy of my account statements and correspondence with the bank. I believe that the bank 's actions are unfair and unjust, and I request that the Consumer Financial Protection Bureau take immediate action to address this issue.
Product: Mortgage

Company : Cross Country Mortgage. 

I have been trying to have my Escrow account pay my supplemental tax with the surplus in Escrow for 3 months and continue to get ran in circles. I initially contacted them in XXXX and have called several times since and began emails in XXXX and still have no resolution.
Product: Checking or savings account

I am a recent graduate of XXXX XXXX  University with degrees in XXXX  and XXXX XXXX. Upon looking for a job, I submitted my resume to XXXX. Approximately three months later I received a legitimate email including a questionnaire inquiring about the type of work environment I would be looking for and my target salary. Less than a week after this legitimate email ( ending inXXXX ) I received an email from someone posing as a " XXXX XXXX XXXX '' who I researched to be the director of HR at XXXX. She held a " soft interview '' on XXXX hangouts with me - asking similar questions to the questionnaire I had received prior. Then I was asked to scan my signature on the " acceptance of employment '' letter and email it back to her. The job was to start in two weeks from the false notification of employment in XXXX XXXX, Va, where an actual branch of XXXX is located. The next day " she '' sent me a " start-up check '' for {$1800.00} to purchase scheduling software that would go on my " work computer. '' The software was called " XXXX '' and " XXXX '' which she said could only be purchased through XXXX. I researched the software and the cost matched with the amount of money I was sent via check. The check deposited into my account ( for the full amount ) so I had no reason to doubt the legitimacy of the job offer. I purchased XXXX credit with the money I was sent and emailed the information to the person who instructed me to do so. I was told this credit would be used to put the software on my work computer. This check cleared on a Wednesday. After I purchased the software credit, I sent it to them and the check bounced on that Friday - leaving my account at - {$1800.00}. This is when I realized the job offer was a phishing scam. Because the check deposited to my account and I was given access to the full amount of funds in 24 hours, I blame PNC Bank for allowing a fraudulent check to be deposited in my account before it cleared. If they had done their job : the service of validating and safeguarding financial assets, this issue would never have occurred.
Product: Mortgage

WE ARE IN THE PROCESS OF SELING THE HOUSE. 
WE NEED AT CLOSING THE PAYOFF BALANCE WITH HISTORY AND DISCLOSURES OF ALL DETAILS OF THE FINAL AMOUT DEW. 

SHELLPOINT, THE SERVICER CO., IS REFUSING TO DISCLOSE THE DETAILED INFORMATION ABOUT THE " DFERRED BALLANCE " IN EXCESE OF {$200000.00}.

WE WILL NOT BE ABLE TO CLOSE WITHOUT BEING ABLE TO ACCOUNT FOR THIS " DIFFERED BALLANCE " SHELPOINT CLAIMS IT HAS NO PERMISSION TO DISCLOSE THIS INFORMATION.

OUR ACCOUNTANT WILL NOT BE ABLE TO CLOSE THIS CASE WITHOUT THIS IMPORTANT INFORMATION.

SHELPOINT CLAIMS THIS " DIFFERED BALLANCE " IS THE RESULT OF A LOAN MODIFICATION. 
WE AGREE WITH THIS INFORMATION HOWEVER A DETAILED HISTORY WITH FIGURES AND DATES HAS TO BE DISCLOSED FOR THE PAYOFF TO BE FAIR, ACCURATE AND CORRECT. 

BEST REGARDS, XXXX XXXX XXXX XXXX XXXX