23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Without any notice I had an entry on my credit report from MIDWEST RECOVERY SYSTEMS, LLC. I called them to ask about it and explained that I have never received a statement in the mail either from the original client ( XXXX  Hospital ) or MIDWEST RECOVERY SYSTEMS. The person I spoke to was very rude and continued to speak over me to the point I got frustrated and had to continue to raise my voice just to be heard. This is apparently a collector for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX both of which have very incompetent. 
-- - She just continued to tell me the bill is 3 years past due even after explaining to her that I never knew I owed anything. This is ridiculous circular logic that gets nowhere. 
-- - She indicated they called many times but never received an answer so filed on my credit report. I once again argued that I never received anything in the mail regarding this. I explained that in America citizens are neither required to have a phone nor answer all of the spam, scams, and junk calls they get. MY phone is for my use calling people and receiving calls from existing business contacts not random people 20 times a day. I further explained that the USPS is protected and is the form of contact that MUST be used for financial/billing issues but she continued to ignore my very valid arguments and ask how I would be paying the debt. 
-- - It is not fair to expect people to answer their phones. This company needs shutdown or update their practices to prevent this type of bullying. I NEVER had a chance to correct the issue before having my credit impacted. This issue has cause a LOT of stress and frustration and even lost sleep all because they can not mail a letter. Because of their ridiculous tactics I have now spent well over two hours on the phone, on the web, pulling my credit report just so I knew who to call, etc, when this VERY easily could have been resolved in about two minutes by a letter in the mail with a payment web address.

People should not have to go through this process ( Approaching two hours I had to take off work to address this ) without even being notified of debt all because the provider billing is incompetent. I ALWAYS pay my bills on time.
Product: Checking or savings account

I opened a business account with BMO harris because I was starting a new business and they offered {$500.00} for new customers. I had to keep a balance of {$5000.00} in my account, have it for 9 months and make 10 debt transactions. All these things I did. While I had the account my debt card continually didn't work, and I couldn't access my online account. Multiple times I had to go into the branch, met with terrible customer service. At the end of the 9 months I contacted BMO harris customer service to see when the {$500.00} would be deposited. I was told " soon ''. I had to call multiple times with no answers. I was told someone would contact me, or go to the branch to talk to them. Again terrible customer service. I went into the branch where I opened the account. The branch manager looked into the account and said she would call me back. After a week I didn't hear anything so I called her. She said she would call them and call me back. After another week I had to contact her again. She finally said they found I didn't make the right amount of transactions. I showed her I did make the 10 transactions that were required. She said she printed, highlighted the 10 transactions, and sent it back to the BMO harris customer service to review again showing I made the 10 transactions. I checked in for four weeks straight with no update. I had to call her every time, even though she said she would call me. Finally after a few months I called the the BMO Harris customer service line who informed me my account was  closed. I called the bank manager, furious. She informed me that two weeks ago the funds were suppose to be deposited but she forgot to call me. She then called me back after checking with customer service and said they were going to deposit the funds but closed my account due to being inactive. 
My account was only inactive because they took months to get the funds together. All the while not giving me any information or communicating. Not only is BMO Harris have customer service but they made a promise of {$500.00} for opening an account and did not follow through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps violating the laws! I show them on multiple occasions and plenty different ways how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. I have uploaded documents as to how Experian has not been following the Metro 2 compliance which are the laws they set in place to govern their business and how they are violating the FCRA which is actual Federal Law! According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission to furnish anything on my consumer report. 
Experian stated in their recent response that they performed an investigation and the debt collectors has verified the accounts on my behalf. Experian has not explained how they performed the investigation, what information did the debt collectors give Experian to verify the accounts, who did " Experian '' talk to from each debt collector, how did Experian verify that the information from the debt collector was correct and not false, how did Experian make sure the debt collectors records were accurate as well? 

15 USC 1681 ( a ) ( 4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Experian has not being doing this at all. Instead, they send stall letters saying they can not proceed with my investigation because I'm not a real person to not adhere to the law of removing fraudulent accounts in 3 days ; then they extend my FRAUD ALERT, only to say that the FRAUDULENT accounts are mine!
Product: Debt collection

I have been contacted by text twice in my mobile phone number by " XXXXheppherd Outsourcing '' : 1. A debt collector regarding " XXXX XXXX XXXX XXXX '' account. I have no such account, I have never dealed with these companies. They even called me another name when writing to me, not my first name. 
2. The second time they wrote me they have limited time to work with me before they return my XXXX XXXX XXXX XXXX to their clients. 

Both texts contained links to click on. I did not click on them. Both texts were sent by the 5-digit number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED A COOY OF MY CREDIT REPORT AND THERE IS INFORMATION REPORTING TO MY FILE THAT DOES NOT BELONG TO ME. I HAVE CONTACTED EACH CREDITOR REGARDING THIS MATTER AND THEY HAVE FAILED TO PROVIDE ME WITH ANT ORGINAL SIGNGED CONTRACT UNDER FCRA 609a, STATING THAT I AGREED TO OPEN A ACCOUNT AND PERSONALLY SIGNED MY SIGNATURE AGREEING TO PAY ANY DEBT. UNDER FCRA 605B FRAUDULENT INFORMATION REPORTING TO A CONSUMERS FILE MUST ME PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. I HAVE CONTACTED MY ATTORNEY AND SHOULDN THIS MATTER NOT BE TAKEN CARE OF IN A PROMPT MANNER, I PLAN TO FILE A LAWSUIT AGAINST EACH AGENCY REPORTING FALSE INFORMATION TO MY FILE WHICH HAS CAUSES FINANCIAL HARDSHIP AND STEEAS. PLEASE CONTACT ME BEFORE OPENING ANY ACCOUNTS XXXX THE FOLLOWING INFORMATION DOES NOT BELONG TO ME, PLEASE DELETE IT IMMEDIATELY. 

XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Debt collection

I have tired contacting all parties involved about dept, emails alerts dropped credit score and unauthorized collections for my credit for months in regards of the issue with all unauthorized collections and the breach of privacy and confidentiality they have displayed and with police reports XXXX  # XXXX for stolen IDs and Social Security card as well and been ignored.
Product: Credit reporting or other personal consumer reports

XXXX Credit Report has inquires that Im unfamiliar with and recently my identity been used to apply for credit cards. I Will like listed inquiries to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PREMIUM CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The above account which is one account and being reported as 2 different accounts, Was investigated and i am in a disagreement with this investigation. I reached out to the original company XXXX and they did reply and said they don't have any information to the account. I did reach out to the other company XXXX XXXX for more information and the contract they had with XXXX. It has being more than 60 days since and i have not received any reply. 
I demand both account to be deleted in my credit report since its infridging my rights by reporting both account falsely. Attached is my communications with the company and a proof of how both account are reporting falsely.
Product: Debt collection

I have a debt with LendingClub where I was paying {$170.00} a month. The balance never seemed to decrease. The last outstanding balance was {$3700.00}. I filed several financial hardships with LendingClub due to COVID-19. I wrote LendingClub requesting to know how to settle this debt. A few days later, LendingClub never responded and sent my account as a charge-off. Now this is on my credit report as a charge off. I am requesting to settle this debt and remove this charge off from my credit report.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. DISCOVER BANK XXXX.
Product: Debt collection

Paramount Recovery Systems has violated my consumer rights by prohibiting me the right to dispute a collection account placed in my consumer report. Under Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations, no debt collector shall furnish information to a credit reporting agency about such debt without speaking to the consumer or sending a letter in the mail. Paramount Recovery Systems is also in violation of 15USC 1692g { 809 } ( a ) of the Fair Debt Collection Practices Act, Section 1006.34 ( a ) ( i ) and Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations for non-compliance. I have filed a complaint with The Office of the Attorney General to protect my rights as a consumer and to further disclose their business practices. I intend to take legal action against Paramount Recovery Systems for each violation committed which is my right under 15 USC 1692k { 813 } ( a ) of The Fair Debt Collection Practices Act and Section 392.402 ( B ) of The Texas Finance Code. 

Paramount Recovery Systems Account # XXXX
Product: Debt collection

Repeated phone calls and leaves messages saying I am going to be sued if I do n't return call. Called them back today XXXX and XXXX XXXX said they will file suit for {$1200.00} dollars but they would settle for 30 % if paid today. I told him I wanted proof of the debt by mail in which he said he will not. He then started cussing me calling me profane names and said he would keep calling my place of employment and get me fired.
Product: Mortgage

I am writing to file a formal complaint against RTR regarding the handling of my loan repayment plan and the transparency of the statements provided. I recently received a response from RTR ; however, I do not believe they are genuinely attempting to offer an acceptable payment plan that aligns with my financial situation. 

RTR proposed a payment plan that, due to my current financial hardship, I simply can not commit to. Despite explaining my financial difficulties to them, they have not been accommodating or understanding of my circumstances. They did mention that they would fix and reverse the fees that were added to my account, but I have yet to receive a clear statement reflecting these fee reversals. 
They have confirmed that both legal and interest fees will be reversed in recognition of my consistent payments and the existence of a temporary payment agreement that stipulates a 0 % interest rate. 

Furthermore, the statements provided by RTR are confusing and unclear. I have been making payments including a down payment for approximately XXXX years, yet the balance on my loan does not seem to decrease. This was originally a {$50000.00} loan, and now RTR is demanding {$89000.00}, which seems unreasonable, especially considering that the investors ( RTR ) likely purchased this loan for pennies on the dollar. 

I find it extremely difficult to work with RTR, as their communication lacks clarity, and they have not demonstrated a willingness to provide reasonable support or transparency regarding my loan. I am requesting your assistance in resolving this matter, ensuring that RTR provides a clear and accurate statement, and helping to establish a fair and manageable repayment plan. 

Thank you for your attention to this matter. I appreciate your help in ensuring that RTR adheres to fair practices and offers the necessary assistance to borrowers in financial hardship.
Product: Credit card

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX
Product: Mortgage

The mortgage company returned {$1200.00} around XX/XX/18, stating that it was due to partial payment. I then sent {$2100.00} to Wells Fargo on XX/XX/XXXX, delivered XX/XX/XXXX Via on-line banking and it was returned electronically to my bank XX/XX/18 {$1100.00} XXXX  XXXX XXXX and {$1000.00} to XXXX XXXX XXXX XXXX XXXX. I then sent {$2000.00} via on-line banking on XX/XX/2018. So far that has not been returned but I received a statement overdue payments are from XX/XX/18-XX/XX/18. Attached are all the payments that I have made for 24 months which includes the dates in question. I am now receiving communications from law firms regarding a sale of my property and a phone call from a gentleman ( XXXX XXXX on XX/XX/18 who wants to give me papers from the XXXX XXXX XXXX office ( voicemail was left ). I have not received any correspondence regarding the official sale of property.
Product: Consumer Loan

I applied to refinance a car loan, but was denied. I have tried to get in touch with them regarding the decision. However, the number listed does not help me or the fragmentation of the process does not solve my problem to understand why I was denied. The simple explanation that it does not benefit me, but does n't refinance benefit the consumer when you are doing well and want to lower your interest rate. I get the sense that they do not want to work with me to help avoid default or a loss in their balance sheet.
Product: Checking or savings account

Contact CIA Employment Verification Office Need to verify someones employment at the CIA? The Employment Verification Office handles such requests by fax and by mail.

Ways to Verify a CIA Employees Employment Whether you are a mortgage company, creditor, or potential employer, you can submit your request by fax or by mail.

Please note CIA does not provide verbal responses or breakdown salaries such as overtime, bonuses, and awards. Also, CIA does not produce pay stubs with employer information attached. 

Request by Fax You can submit your request by fax at : ( XXXX ) XXXX ( XXXX ) XXXX Please allow three to five business days for the Office to process requests sent by fax. 

Request by Mail If faxing is not an option, you can send your request to the following address : Central Intelligence Agency Attn : Employment Verification XXXX, XXXX XXXX Please allow 10 business days for the Office to process requests sent by mail. Requests received after XXXX XXXX. will go into the queue for the next business day. 

What to Include in Your Request To better serve you, please be as detailed as possible. If applicable, include the following information on the cover sheet of your request : Scheduled closing date Whether you are requesting a re-verification If your policy as a lender requires multiple updates to your original verification request If you are requesting a re-verification, be sure to inform your client to expect additional inquiries from the lender.
Product: Mortgage

I made my monthly payment of XXXX directly at PNC Bank on Friday XX/XX/XXXX. The payment was due on XX/XX/XXXX. I received another one of their " so called '' don't lose your home attempts to extort more money out of me than is due. This is the second time in eight months I have had to report this PNC Bank stupidity to your organization. You have always helped me. It looks like this misappropriated my payment to someone else account again. They refuse to account for the money I have paid in the form of statements. They are crooks and should be jailed rather than handling home mortgages and home owners loans. from here on out. Their lie they can't do this because of a bankruptcy from eight years ago is unexcuseable now. They are a crumby institution. 
I want an accounting of every XXXX I have paid them and a statement every SINGLE month -Yours Truly Second time in eight months. How stupid can they be. As for the publish request below. PLEASE DO! And thank you again.
Product: Credit reporting or other personal consumer reports

I am writing to diputed account on my credit report that were without my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION 15 U.S.C 1681 ( b ), thera are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find permissible purpose under this section that justifies their prsence on my report. PLEASE DELE ACCOUNT XXXX XXXX XXXX ACCOU NUMBER XXXX Attached is a report from the Federal Trade Commission ( FTC XXXX ) as additional evidence to support my claim regarding the unauthorized use of my identity. This document contains relevant details that validate my statement and demonstrate that I have been a victim of identity theft. I kindly request that this information be considered to proceed with the appropriate investigation and resolve this matter promptly
Product: Money transfer, virtual currency, or money service

I received a text message about a potentail fraudulent bank transfer through XXXX from my Bank of America bank account to which I responded no I did not authorize. When I responded I received a phone call from a person claiming to be a Bank of America Employee. The fake employee called from the Bank of America customer service line XXXX and said that someone had authorized a transfer of {$3500.00} and that they were with Fraud Prevention at Bank of America. The fake employee then walked me through steps and proceeded to trick me into sending them money via the XXXX  application to their bank account. After I hung up I called Bank of America again and found out that they had not called me and that I had been scammed. When I was transferred over to the real Bank of America Fraud Prevention, they essentially told me they could not help me but they would open a ticket in my name. That ticket number is XXXX. I want help getting my money back, just because I was scammed by someone who claims to be a Bank of America employee does not mean that I should have lost {$3500.00} which is a lot of money for someone of my financial standing. Any help in this process would be appreciated.
Product: Consumer Loan

In XXXX XX/XX/2014 I spoke to a rep @ chrysler capital, she asked me if I wanted to change my due date ... I told her I wanted to change my due date to the XXXX of each mo. This was n't done. I found out on XXXX XXXX that this had n't been done. The supervisor acknowledged to me that this was their procedure, but would have to lodge the complaint with their president 's office. I spoke to XXXX today, XXXX XXXX, she informed me that they did n't have access to the recording and I should of paid attention to my statements. I asked why there was no recording, she stated they only keep them for 30 days & did n't know why this was their policy. Her only answer was to remove my late fees but not to fix my credit.
Product: Mortgage

I am filing a formal complaint against Navy Federal Credit Union for reporting inaccurate information on my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

In XX/XX/year>, Navy Federal erroneously reported me as delinquent on my mortgage loan. This reporting is incorrect because I was enrolled in a hardship assistance program at the time, and under the terms of the program, my first payment was not required until XXXX [ year ]. I have never been delinquent with Navy Federal, and I have documentation to prove my compliance with the terms of the hardship program.

Despite my attempts to resolve this matter directly with Navy Federal, they have not corrected the inaccurate information. Reporting me as delinquent when I was actively enrolled in an approved hardship program is both unfair and harmful. This incorrect information has negatively impacted my credit score and overall financial standing, despite my consistent efforts to remain in good standing with Navy Federal.

I request that CFPB investigate this issue and that Navy Federal promptly removes the inaccurate delinquency mark from my credit report. I have attached all relevant documents, including proof of my enrollment in the hardship program and communication with Navy Federal.

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX