23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My complaint is with Midland Credit phone number XXXX XXXX XXXX XXXX. 
They called me about a year ago and said that I owed XXXX. I am not sure if it is a credit line or a loan. They would not tell me. They claimed it was through XXXX XXXX, of which I do not have an account. They asked me to share my social security number with them but I did not as it is not safe and if I did owe them money they should already have it? I ended the phone conversation and contacted XXXX. XXXX confirmed that I did not have an account with them so I assumed this was all a scam. 
Yesterday, I was served papers by our local sheriff department about this same account. I met with an investigator at our Sherriff 's Department and he advised me of steps I should take. One of which was reporting this to you. I think I reported the original phone call when it happened but wanted to be sure and report their continued harassment concerning a loan or credit line that I did NOT open. 
Also, he asked me to check all 3 credit reports and there is no delinquent debt of this nature on it. However, Midland Credit does show up under my " Account Review Inquiries '' section. Which means they have access to my information for promotions. I am working to stop these inquiries. Thank you
Product: Payday loan, title loan, or personal loan

Hello! On XX/XX/2022 I went into Speedee Cash, XXXX XXXX XXXX XXXX, XXXX, Alabama XXXX. I tried to make a payment but, the doors were locked and all the computers and printers were gone.
Product: Mortgage

XXXX XXXX XXXX and Greentree and Ditech are all adding fraudulent charges to my account just to try to take more money from me that they are not owed. I wrote a check to them for my full mortgage payment every single month since the inception of this loan, for full principal and interest payment and they cashed my checks and did not credit the amounts to my account. I called and wrote and tried forever to resolve it with them. then they started collecting my checks and holding them and not cashing them. by miscrediting my payments and then later not cashing the checks at all, their scheme was to then start charging me all sorts of fees and accusing me of being late and not paying. they called many times and spoke rudely and calling me names and threatening me with foreclosure and would not acknowledge the reality of the situation which is that they received and cashed my checks. then they began returning my checks to me after holding them for months. they continue to threaten me with foreclosure. I tried to talk to their attorney who also seems to be in on the scheme and told me and my attorney that I should stop sending checks because if I dont send a huge amount with the thousands they allege are overdue they wont accept the checks.
Product: Debt collection

I received calls and letters from XXXX XXXX XXXX stating that four checks were written by me that were returned for STOP PAYMENT. I did not write these checks to XXXX XXXX XXXX. and nor do I live or shop in the city of this store. Additionally, the name used on these fraudulent checks is not my legal name. 

I have responded in writing and sent certified mail to XXXX. They continue to harass me with ongoing letters demanding payment in full. Here are the details of these fraudulent checks : Date : XX/XX/2018 Merchant : XXXX XXXX XXXX Current Creditor : TeleCheck Amount : {$820.00} Reference # XXXX Date : XX/XX/2018 Merchant : XXXX XXXX XXXX Current Creditor : TeleCheck Amount : {$980.00} Reference # XXXX Date : XX/XX/2018 Merchant : XXXX XXXX XXXX Current Creditor : TeleCheck Amount : {$1500.00} Reference # XXXX Date : XX/XX/2018 Merchant : XXXX XXXX XXXX Current Creditor : TeleCheck Amount : {$1200.00} Reference # XXXX Note - I have filed a police report and contacted the credit bureaus about this matter. Any assistance that can be provided is greatly appreciated.
Product: Credit card or prepaid card

Every credit card company has suspended payments during the corona virus quarantine, but citibank. They are not helping their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$360000.00}.
Product: Checking or savings account

I am a XXXX woman who on the morning of XX/XX/year>, I answered the phone because the caller ID on my phone said Bank of America. I believed the caller was from Bank of America. The caller stated that the Bank noticed suspicious activity regarding my checking account, which might have been hacked, and needed to close my account and transfer my funds to other banks to be safe. The man I believed was from Bank of America showed me how to do wire transfers. I wire-transferred XXXX different amounts, XXXX to XXXX XXXX XXXX and XXXX to XXXX XXXX XXXX XXXX , along with fees. The man said he would email me with a temporary username and password so I could set up a new account. He also said that the FBI would call me to set up further security measures on my account. ( a call did come in later who said they were from the FBI ) they wanted to know my credit card number because they suspected fraud on that. I did not give them the number but went into my Bank of America account and noticed an alert that showed XXXX transactions on the card that weren't mine. I let Bank of America know online that these weren't my transactions. Also told the person on the phone that this fraud was taken care of and hung up. Later in the day, I checked my email for a temporary username and password but found none, then went into my account and found that XXXX had been taken from my account. Then I called Bank of America and connected with the XXXX department. I have been dealing with them since XX/XX/year>. My fraud case number is XXXX XXXX. So far, they have retrieved from XXXX XXXX XXXX XXXX, {$950.00}. and {$15000.00} from XXXX XXXX XXXX XXXX. They said that was all that was left in those accounts. Bank of America says they are still working with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They don't have much hope of ever retrieving my money. I filed a police report with my local Police Department. Incident # XXXX, I also filed a report with the FBI , FTC , and my Attorney General. I don't feel that Bank of America and the other banks are working for me. I feel like they have a process and a routine with no positive results. I was told I had a case manager or analyst on my case but have yet to speak with this person after all this time. I call the fraud department regularly but speak to whoever is on the desk at the time in Texas. I thought my money was safe and secure in a bank and if something happened I was protected and they could get my money back. This does not seem to be the case They say my money is not insured and that I allowed the wire transfers. But I was scammed and thought I was doing business with the actual Bank of America. My money might have been more secure if I had kept it in my mattress. As an elderly woman, I am now having trouble paying my bills and thought I could trust a bank, particularly one as large as Bank of America, to have my back. There have to be funds in banks set aside for these circumstances, particularly in cases of elderly fraud.
Product: Mortgage

I have a loan with Specialized Loan Servicing ( part of the XXXX XXXX ) I've sent in a written request to remove PMI a month ago and had no correspondence with them since. I am at 74 % and in reading the rules it seems like at 78 % it should automatically drop off. 

Seems like this is all rigged for the loan companies to continue to collect this PMI fee and frustrated at the lack of communication.
Product: Credit reporting or other personal consumer reports

Identity theft 3 account were opened in my name. Fraud reports and ftc reports already made XXXX and transunion did not remove these accounts after proof was given from authorities XXXX  XXXX XXXX Balance {$5800.00} XX/XX/2023 XXXX  XXXX XXXX Balance {$4700.00} XX/XX/2023 XXXX  XXXX XXXX Balance {$6800.00} XX/XX/2023 XXXX
Product: Credit card or prepaid card

Credit card company double charged for a product I purchased with the card. The purchase was made XX/XX/XXXX for {$640.00} and the same charge was duplicated on XX/XX/XXXX. I disputed the duplicate charge and the company continues to demand that I pay for the product twice. I contacted the company where I made the purchase and they claim they haven't been payed yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

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. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. 

My report dated XX/XX/XXXX reported 14 90 day lates. But then on my report dated XX/XX/XXXX the information changed to 31 90 day lates. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a 108 point  difference between XXXX and Equifax. At a minimum I am requesting that this company report to Equifax the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from Equifax allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screens of my XX/XX/XXXX and XX/XX/XXXX credit reports showing the difference in reporting which is causing the Equifax credit score to be retarded by 108 points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the Equifax score and the XXXX score ( Fico reason codes ) is that Equifax is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if XXXX XXXX is deliberately misreporting this item ( with recent delinquent activity ) on Equifax in order to damage my credit score. 

Several months ago I negotiated with XXXX XXXX and paid off the outstanding balance and as a part of the settlement agreement they agreed to remove the payment history which they did follow through with on my XXXX credit report however they did not on Equifax and you can see the result in my credit score disparity as explained above.
Product: Debt collection

Complaint against Bank of American for identity theft, mail fraud, wire fraud and other crimes. 

On XX/XX/2019 BOA AGAIN pocketed my mortgage payment via company called " XXXX XXXX XXXX '' which is also known as XXXX. 

I demand explanations why my mortgage payments which suppose to benefit XXXX XXXX investors end in BOA deep pockets and create them handsome income. 

My payments to XXXX were pocketed by BOA in the same deceptive manner.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  Balance {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This account should have never been written off. It was pending payoff from insurance when I was XXXX and I was told I could stop paying. When it was charged off they told us they would reverse the fees upon pay off. In XXXX they received their payoff and never reversed the charge offs or fees. I opened up an investigation two times and no one called me with results like they promised and never took off fees as promised and never reversed charge offs as promised. Please note entire balance of card at time of XXXX when they told me I can stop paying was paid in full. The only balance remaining is the fees they told me not to worry about
Product: Credit reporting or other personal consumer reports

REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES. 
TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared. " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the Security and confidentiality of those customers ' nonpublic personal information. The furnisher of information to credit agencies is a financial institution by definition under title 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher if information to credit agencies ) the financial institution and the consumer reporting agency/agents of XXXX, Experian & XXXX do not have my consent to furnish this information and surely do not have my written consent, whether is verbal, non-verbal, implied, or otherwise revoked. 

Any/all agents of XXXX, Experian & XXXX have been assuming the roles of holding my information without my permission while reporting inaccurate information and making money off my information. They have refused time and time again to investigate disputed information and failed to delete or correct incorrect information which violates federal law. After filing disputes with any/all agents of XXXX, Experian & XXXX XXXX they have made their own decision, on purpose, to drop my credit score either by the XXXX  or XXXX points without notifying me, verifying, and completing a full investigation for inaccuracy. 

I have attempted to resolve this matter with any/all agents of XXXX, Experian & XXXX XXXX XX/XX/XXXX. They all have refused and continued to violate the following ; 15 U.S. Code 45 Privacy Act of 1974, Education Privacy Act of 1974 Fair Credit Reporting Act, 15 USC 1681, section 602 621 of the FCRA, 15 U.S.C. 1681s, 12 CFR 1022- Fair Credit Reporting Act 12 CFR 1016.4 16 CFR 433.2 15 USC 16802 ( b ) ( c ) 15 U.S. Code 1681e to avoid violations of section 1681c-15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S.C. 1681a ( f ).

15 USC 1681s-2 ( A ) ( 1 ) ( A ) 15 U.S. Code 1692e
Product: Credit reporting or other personal consumer reports

I will like to file a complaint against TransUnion credit reporting agency with CFPB to investigate I have a issue with Transunion credit reporting agency Violating my rights with reporting accounts incorrectly, I have tryed several times to fix the problem, These accounts cant verified because its reporting differently on each of my credit profiles I would like them deleted immediately, I will be providing documentation for proof, XXXX XXXX XXXX Account # XXXX, The account status, Date opened, Last active, and payment status is inaccurate, XXXX XXXX, Account # XXXX, Date opened, Account Status, Payment status, Date last active, All inconsistent and inaccurate information, XXXXXXXX XXXX  XXXX, same issue, XXXX XXXX account # XXXX This account was paid, Account status incorrect, XXXX XXXX account # XXXX, information inconsistent and inaccurate, XXXX XXXX XXXX account # XXXX, date opened, sold to and last active payment status all inconsistent and incorrect so how could any of this information been verified when its not the same, XXXX AccounXXXX XXXX XXXX  Account # XXXX inaccurate and wrong information and us bankruptcy XXXX XXXX XXXX, and Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX has been proven its not mine linked to wrong person will be providing documents proving this information I have spent so much time and money on this inaccurate information and just want it deleted immediately.