23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I was sue by Midland Credit Management for a credit card. The judgement was ruled in their favor, I contacted the company after I received my documentation from the judge to set up payments at what I could afford. The phone calls started XX/XX/XXXX - was informed they did not have the paperwork from the judge and to call back in two weeks. I attempted these phone calls again on XX/XX/XXXX and XX/XX/XXXX and was still told the same thing. I informed them that I would be going on maternity leave and would call back in XXXX to set the payments up. On XX/XX/XXXX, I called Midland and learned they were charging me a 6 % interest that I was not aware of by anyone or have any type of documentations stating that I would be charged this interest. Contacted the judges office in which they stated the amount on my paperwork from them is what I am to pay back. I went back and fourth with this company from XX/XX/XXXX to XX/XX/XXXX in regards to the interest. They refused to allow me to speak to their legal time, told me I could e-mail them. I e-mail the address they provided and got an e-mail back this e-mail stated that I can not e-mail them because I am not apart of their approved group. I called Midland again on XX/XX/XXXX to inform them of this e-mail and kept going back and fourth, spoke to manager by the name of XXXX XXXX to which she would not listen to anything I had to tell her, but said she would contact the legal department. On XX/XX/XXXX I spoke to XXXX again and she stated they are putting my account at the judgement amount. I told her I would like to set up payments that I can afford. She told me their polices were that I first would have to pay a down payment of 50 % and then they will do monthly payments. I first told her I wanted documentation stating that I was required to pay this, she said they did not have any. I told her I could not afford this and told her what I could afford with the possibility of paying more BUT I did not want to commit to a higher amount. She refused the amount I told her I could afford and kept telling me their policies and requirements are a down payment first. When I asked several times to see these policies and requirements, she just told me it is all internal and I said then how do I know you are even telling me the truth. I asked several times for paperwork and she refused to show me any of time of policies or requirements or even tell me where I could go to online. When I told her that I would just mail in what I can afford monthly, she informed me that they will post the amount towards my account but will probably sue me again for the judgement amount because they do not have an agreement for because she refused what I could afford at this time. I asked to speak to someone higher up then her and she said her Boss was not available and I could call back later to speak to him/her and then hung up on me.
Product: Credit card

In XXXX XXXX  and XXXX  changed their website for payment from XXXX to XXXXXXXX In XX/XX/XXXX I never received my on line reminder so I called an they reversed fee. Once again I did not receive my on line reminder but told them that TODAY and I was informed that the online account was changed. When I asked about a reversal of fee they informed me it was only 1 for 12 months. They never informed me of changes prior to today. The supervisor XXXX was awful. I told her that I travel lot because I am a caretaker and relied on the email reminder. She didn't care because that's the policy. I have had this account I'm good standing since XXXX. This problem has occurred due to the changes made by the company and not informing the account holder is wrong. 
XXXX XXXX
Product: Debt collection

Phone call was made for XXXX XXXX at XXXX XXXX time from XXXX . I do not know XXXX XXXX. Phone number XXXX extension XXXX claimed by representative XXXX XXXX ( woman ). Company MCM or Midland Credit Management. I also Spoke with XXXX XXXX ( man ). He claims the address is XXXX XXXX XXXX. I am on national do not call list. This is a repeat offense from this company. This and many other companies have been warned not to call and they still repeat their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XXXX  Dispute RESULTS. It denies my information informing me to CONTACT USAA. I have been doing this with USAA for 2 years now ( since XX/XX/2018 ) to NO AVAIL. Reliving only destroys my heath more. I will NOT KEEP RELIVING WITH USAA ANY LONGER ** ONCE WAS ENOUGH. This also says my request was based on MATERIAL MISREPUTATION or You knowingly OBTAINED POSSESSION OF GOODS. I need to find out what information USAA   provided to prove it AN UNTRUTHFUL RETAILATION because I filed for Ideninity Theft after NO RESOLVE OF UNAUTHORIZED CHARGES beginning XX/XX/2018. FTC ID Theft case XXXX. FTC says GRANTOR ( USAA ) by statues Must NOT REPORT ID THEFT to destroy innocent peoples lives. USAA MUST HAVE SLADERED MY NAME TO RETAILATE. USAA IS MUCH TOO HOSTILE TO MAKE SAFE CONTACT and I am set up with CFPB with CONSTANT CONTACT. USAA has had tons of contact ( *Safely through CFPB. ) XXXX, please contact CFPB to veiw the history of current contact. USAA IS NOT HONEST. XXXX, please send me WHAT I AM BEING ACCUSED OF CLEARLY AND SPECIFICALLY. My reputation has been spotless for XXXX   years UNTIL USAAXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report information on my report that does not belong to me. Please delete this information as soon as possible and send me an updated report. 

MY ONLY CORRECT ADDRESS IS : XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX MY ONLY NAME IS : XXXX XXXX XXXX MY ONLY PHONE NUMBER IS XXXX THIS IS INCORRECT PLEASE REMOVE FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Phone Numbers ( XXXX ) XXXX Phone Number ( XXXX ) XXXX
Product: Credit card or prepaid card

I made a purchase on Discover credit card for {$6000.00} to XXXX. The total amount paid to XXXX was {$31000.00} on XX/XX/XXXX for a service that was not rendered. I contacted XXXX about the problem of services not being met on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time my problem was just ignored about the problem of services not being met. I was never able to talk with the owner. I was promised certain outlined items they would not provide and a guarantee if I did certain outlined items the company would stick with me until I made my money back. The company XXXX was shut down on XX/XX/XXXX by the Minnesota FTC for being a scam. The government froze all their assets. I have sent paperwork, invoices, contract, guarantee, multiple letters explaining the situation to Discover card. XXXX from the executive office reviewed the case. My request was denied. No specific reason was given. I was never asked for more paperwork to prove my claim. I received 2-3 letters and emails that were generated from a standardized form. When I contacted XXXX about those letters and emails he said he did not send them that they were just sent. That tells me that no one is really reviewing my case. The dispute committee is sending random letters and emails that they have no permission to send. These actions by Discover card are unprofessional. The dispute committee also took a week to get paperwork to XXXX that I had faxed. If I hadn't of followed up every week with XXXX he would've never received all my documentation. I still don't know if all my paperwork was received by Discover card because every time I asked XXXX for specific work he never answered me. This is so unprofessional and has caused me great XXXX. I still owe {$31000.00} to credit cards that were used to pay XXXX. I never made a penny on the services they provided in fact I ended up with {$5000.00} more in debt trying to do the program the way they told me to do it. Why should I have to pay for a company that is a scam and be left with thousands of dollars in debt. Discover card said they would provide a fair resolution. Zero is not a fair resolution. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. Law 15 usc 1681. Its a defamation of my character & livelihood an I am trying to buy a house
Product: Credit card or prepaid card

On XX/XX/2020 I opened an account with BBVA. I then needed to go to a branch to to do an identity verification. While there the banker made a mistake and opened a credit card in my name that I did not request. This was discovered immediately and the banker assured me the issue would be resolved. It has now been 2 months and the account and the inquiry for it are appearing on my credit report and lowering my credit score.

I have brought this to the attention of BBVA multiple times and to multiple departments. No help is being offered. I have disputed the account on my credit report but can not get it removed through that process.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel these accounts are affecting my credit report. 
Here are the items I am asking you to verify as accurate : 1. XXXX XXXX account ending in XXXX correct balance is {$150.00} 2. XXXX XXXX account ending in XXXX correct balance is {$52.00} 3. XXXX  XXXX account ending in XXXX correct balance is {$130.00} 4. XXXX XXXX account ending in XXXX correct balance is {$22.00} 5. XXXX XXXX account ending in XXXX correct balance is {$230.00} 6. XXXX XXXX account ending in XXXX correct balance is {$320.00} 7. XXXX account ending in XXXX correct balance is {$520.00} 8. XXXX account ending in XXXX correct balance is {$54.00} 9. XXXX account ending in XXXX correct balance is {$90.00} 10. XXXX XXXX account ending in XXXX correct balance is {$200.00} 11. XXXX XXXX account ending in XXXX correct balance is {$420.00} 12. XXXX XXXX account ending in XXXX correct balance is {$270.00} 13. XXXX XXXX account ending in XXXX correct balance is {$72.00} 14. XXXX XXXX account ending in XXXX correct balance is {$41.00} Please check the account balance and correct information on my credit report. As this information on my credit is causing a big impact on my file.
Product: Credit card or prepaid card

On XX/XX/XXXX, {$3100.00} was charged on my Capital one Credit Card. It was rent for an apartment for the month of XX/XX/XXXX. The Real Estate Agent refused to allow me to see a copy of the Lease before making the application and deposit. I relied on Capital One to return my deposit in the event the Real Estate Agent did not deliver the apartment as agreed. The Real Estate Agent did not deliver as agreed because she submitted to me a Lease that had different terms and conditions than what she promised. I immediately asked for my deposit back and she refused. I asked Capital One to cancel the transaction. Capital One initially credited my account, but reneged stating that I did not show them proof that the owner did not approve the Lease. I spent more then 2 hours with Capital One on the telephone during several calls trying to get them to re-credit my account. I explained to them the following : The merchant lied in their response to Capital One in saying that the application and deposit states there will be no refund. The deposit application clearly states '' the down payment is refundable to the applicant in the event the application is rejected by the apartment owner '' The merchants response contains a second lie when it claims the client canceled at the last minute. The request for the refund was made within 24 hours of delivery of the Lease with different terms and conditions then was agreed upon. The merchants delivery of a Lease inconsistent with what was promised is in fact a rejection of a application and a counter offer to Lease on different terms and conditions. Therefore, under the terms of the application, the deposit should be refunded. I never received the apartment even though I paid in full for it and there was never a Lease signed. The merchant refused to present the Lease with the application and then later presented a Lease with different terms and conditions which was never signed. Capital One needs to re-credit my account in the sum of {$3100.00}.
Product: Payday loan, title loan, or personal loan

This company harasses you when your payment is due starting on the day it is due. They call on average 3 times a day. Even after speaking to someone in the office letting them know I will pay the payment they continue to call multiple times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I placed a freeze on my Equifax credit report due to their security breach. I was provided the 10 digit pin number which I saved. Equifax offers the opportunity to unfreeze a credit report online. I went to their site to do so in order to allow a mortgage lender to run my credit report. After providing all the information requested by the site including the pin number the site returned a message that I could not release the freeze on my report online and to mail in a request. Then I have to wait for written confirmation that it has been processed. I do not have time to wait. If when I originally froze my credit report I was not given the opportunity to release the freeze online I would not have done so. Equifax should not be offering services it can not fulfill.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 

unlawful and fraudulent accounts your company has reported without my consent or legal authority, in violation of my consumer rights under multiple federal laws.

You are unlawfully reporting the following false and fraudulent account : XXXX XXXX XXXX Account XXXX XXXX XXXX ( Unlawfully reporting on my consumer report. ) Furthermore, I am demanding that you IMMEDIATELY DELETE ALL OF MY PERSONAL INFORMATION that you are unlawfully furnishing and disseminating without my authorization or consent to the following entities : XXXX XXXX XXXX XXXX XXXX XXXX ( Advanced Resolution Services ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Your actions are in direct violation of the following federal laws : 15 USC 1681b Permissible Purpose : No authorization or legal purpose exists for furnishing my consumer information.

15 USC 1681c-2 Block of Information Resulting from Identity Theft.

15 USC 1681e ( b ) Maximum Possible Accuracy : You are required to ensure data accuracy, which you have failed to do.

15 USC 1692f Prohibiting Unfair Debt Collection Practices.

FCRA 611 ( a ) ( 2 ) ( B ) Failure to properly investigate disputed information.

FCRA 611 ( a ) ( 7 ) Failure to provide a description of the procedures used to determine the accuracy and completeness of disputed information.

Regulation F Requiring a full chain of ownership validation for any reported debts, including proper documentation from the original creditor and all subsequent debt buyers.

15 USC 1681b ( a ) ( 2 ) No person shall furnish or use a consumers information without written authorization from the consumer for such specific purpose. You have no written authorization from me to publish, furnish, or disseminate my personal information or to share it in any form with any third parties, which includes reporting to consumer reporting agencies.

Additionally, I reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which clearly affirms the legal precedent holding debt collectors accountable for inaccurate, incomplete, and unverified information furnished to consumer reporting agencies.

Until you provide full and complete debt validation, which must include : A copy of the original contract bearing my wet signature.

A full and complete payment history with itemization of charges.

Legal documentation proving your ownership and right to collect on the alleged debt.

Full chain of title documentation from the original creditor to any subsequent debt buyers.

Proof that the alleged debt is within the statute of limitations.

You are hereby ordered to CEASE AND DESIST from all collection efforts, communications, and the unlawful dissemination of my personal information.
Product: Mortgage

Was affected by XXXX  XXXX and lost my employment XXXX  times because of XXXX. I have been talking to my mortgage company and submitted the requested documents by email for mortgage assistance or a forbearance a lot of times. I was told Tuesday XXXX XXXX, 2022 by XXXX customer service they did see my documents and they were just sitting. I emailed my paystubs and bank information they would stop the foreclosure. Spoke with XXXX customer service asked if she saw my information she said yes. Told her I was told by XXXX the foreclosure would be stopped. Spoke with Manager Loss Mitigation XXXX  she told me documents were not in 37 days before sale date. I told XXXX my documents were emailed before the 37 days she held the phone and finally said she could not help me. They are unwilling to help me save my home and they refuse to help the customer.
Product: Credit reporting or other personal consumer reports

I was victim an identity fraud victim. 
The company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account with XXXXROYAL PACIFIC FU Account XXXX XXXX is incorrectly reporting as delinquent. My account is currently protected under the Covid Forbarance Act. As a result, the information listed is inaccurate and should not be reported as 90 days past due. Attached is a letter from the Mortage vendor to support this claim. 

In accordance with the Fair Credit Reporting Act, the listed accounts above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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: Debt collection

I have attached a copy of the letter that I have repeatedly received in the mail for the last 5 years or so.My husband passed away 13 years ago and the house we lived in, and had both of our names on, I moved out of and filed bankruptcy on 6 years ago. After his passing, I contacted the mortgage company to inform them and sent them a copy of the death certificate as soon as I had it. This company has changed names several times over the years, but is currently going by Ditech Financial ( used to be Greentree Financial ). During this time, I was repeatedly harassed, had very rude customer service representatives treat me like garbage. I finally filed bankruptcy. Now, I'm receiving letters ; at my new residence, addressed to my late husband who had never lived there, obviously. 
I have tried several times to reach the email address on the letter to Ditech, but it keeps bouncing back. I prefer to communicate by email so that I have a letter trail/proof of communication. 
So far, I have not been able to make contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has been perfect for over 10 years. Out of no where I got 2 collections : Opened XX/XX/XXXX ( 3 mos ) by XXXX  Amount : {$74.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX +++ Opened XX/XX/XXXX ( 4 mos ) by XXXX  {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I always paid on-time in-full and cancelled or stopped the service promptly. There is no reason why this should have occurred. Someone fraudulently just reported these charges or the Company did not close out my account properly.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding an accuracy in my credit report dispute my submission Equifax consistently responded within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifax actions may also contravene the consumer financial protection act ( CFPA ) 12 U.S.C 5536 ( a ) - ( b ) as highlighted in the CFPA recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB takes action to ensure that Equifax complies with the federal law and provides consumers with necessary proof of investigations.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and notice some inaccurate account reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$34000.00}
Product: Credit reporting or other personal consumer reports

I have tried for months to dispute this inaccurate information listed on my credit report, under the payment history of my student loan XXXX accounts. There should not be any late payments reporting under the payment history. I was on a forbearance program and this was during XXXX. I have reached out to the XXXX credit bureaus month after month to get them to help me reverse the late payments under XXXX of my student loan accounts. The late payments listed under all XXXX accounts are not accurate since the late payments go from on-time to 90 days late which is entirely inaccurate and against the accuracy law of the Fair Credit Reporting Act.