23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against Midland Credit Management ( MCM ) for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ). These violations began in XXXX of this year and include numerous inaccuracies on my credit report, many of which appear to be retaliatory in nature. 
Specifically, MCM has : Reported inaccurate information : They increased the collection account balance on my credit report in XX/XX/year> ; this was in retaliation for my credit bureau dispute that month They are and have been reporting a fictional XXXX late payment for XX/XX/year> ; this is a debt buyer, there is NO payment history and their own staff confirms this in recorded calls They have manipulated the date of first delinquency to XX/XX/year> a clear FCRA violation meant to drive down my credit score and extort payment fraudulently They have responded to multiple disputes by fraudulently certifying to the bureaus that the information they are reporting is accurate Failed to investigate and correct disputes : I have contacted MCM at least 10 times since XXXX to dispute these inaccuracies. I have phone records and recordings of these conversations where I clearly inform them of the errors in their reporting. Despite my efforts, MCM has failed to conduct a proper investigation and correct the inaccurate information. 
Engaged in potentially retaliatory reporting : After I disputed the initial inaccurate information, MCM added more balance to the collection account and began manipulating the date of first delinquency. This appears to be retaliation for my attempts to exercise my rights under the FCRA. 
Continued to report disputed debt : In a phone call with MCM on XX/XX/year>, a representative acknowledged that my debt is in dispute. Despite this acknowledgment, they attempted to collect payment from me, even offering to " make it go away '' with a XXXX or XXXX. This is a clear violation of my rights under the FCRA, and the FDCPA. 
These actions by Midland Credit Management have caused me significant harm, including : Directly resulting in landlord adverse action denials The closure of a decade-old XXXX  XXXX tradeline was due to a re-evaluation of risk predicated upon fraudulent data reported by MCM. MCM also confirmed they contacted XXXX XXXX following my dispute triggering the risk evaluation. This lowered my credit score by over XXXX points Extreme duress resultant of repeated and intentional infliction of emotional distress Tortious interference with economic opportunity I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate action against Midland Credit Management. I am prepared to provide all necessary documentation, including phone records, recordings of conversations, and copies of my credit report, to support my claims. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company is playing games with me unable to assist me with login to my account unable to send me a copy of my credit report. Said I need to do it in writing but I dont have any stamps and I dont work at all. Unable to do anything
Product: Debt collection

In XX/XX/XXXX, I received notice of a use tax from XXXX County Illinois of {$200.00}. On XX/XX/XXXX, I sent a letter of dispute to XXXX County. I received no reply to this letter. In XX/XX/XXXX, I received a notice from Penn Credit representing XXXX County indicating that I now owed {$230.00} for the use tax. I paid them {$230.00} on XX/XX/XXXX. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX indicating that I owed {$52.00} ( {$2.00} tax plus {$50.00} interest and penalties ). An administrative hearing was scheduled for XX/XX/XXXX. I contacted the XXXX XXXX XXXX and disputed the charges with XXXX. She told me to send an email to XXXX XXXX of Penn Credit with all relevant information. I sent 3 emails on XXXX, XXXX and XX/XX/XXXX. I received no replies. I was unable to attend the administrative hearing because my wife was discharged from the hospital as a XXXX XXXX requiring 24 hour care. I have since received a letter effectively stating that I now owe {$100.00}. I am filing a complaint regarding Penn Credit for failure to provide timely and adequate information for me to resolve this dispute. They have been completely unresponsive to my inquiries.
Product: Debt collection

I am a federally protected consumer and a natural living person. I am aware that this company by the name of Credit Collection Servic is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe you this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Credit Collection Servic should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.
Product: Checking or savings account

Someone hacked my CashApp account from an XXXX in XXXX I own an XXXX and live in FL and have not been in XXXX The person contacted Chase, reversed some payments ( XXXX, XXXX... etc. ), and forwarded those balances to another person through my XXXX. I reported the incident to Chase after being contacted by XXXX that my balance was past due. Chase denied my fraud claim ; I then filed a claim with XXXX, which was also denied. Chase has now reversed the temporary credit and my checking account is overdrawn by almost $ XXXX. This is egregious and Chase stated they thought I perpetrated the fraud but did not hesitate to reissue an ATM card to me overnight, which could have caused further loss; please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was transferred from Great Lakes to the Ed/Nelnet Department of Education . My loans were only shown on my credit report with Great lakes as 2 accounts. Now Ed/Nelnet Dept of Education is showing every single disbursement I had for school totaling 17 new accounts on my credit report. I was in the middle of purchasing a home and now can no longer buy a house due to their incorrect reporting to all the credit reports. Great lakes told me my loans were consolidated and now here come Ed/Nelnet saying they arent consolidated. Why are they showing 17 new accounts on my credit report doesn't even seem realistic! They have ruined my dream of buying and home and have destroyed my life. I have to seek therapy due to their inaccurate and lieing to the credit bureaus. I am now suffering XXXX and XXXX XXXX due to Ed/Nelnet Dept of Education and now have to seek XXXX attention. They have DESTROYED MY LIFE! NOW I WILL JUST HAVE TO BUY A TENT AND LIVE WITH THE OTHER HOMELESS PEOPLE!
Product: Debt collection

I cancelled my internet and phone service with XXXX and returned my equipment in person to the store on XX/XX/. The person at the store confirmed that I was owed a balance of {$.00} for disconnecting early. However, I was sent a bill from a debt collection agency on XXXX and XXXX saying I owed {$150.00}. I wrote back to the debt collector with documentation on XXXX  and XXXX. I called XXXX on XXXX but they refused to remove charges. CBHV Reference # XXXX ( XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Amount : {$9900.00} I previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

In XX/XX/year>, I experienced a medical issue that required me to take three to four months off work due to a XXXX. I informed this institution about my condition and requested leniency until I could return to work. Despite this, they have now closed my account due to three missed payments and have reported it to my credit report. I have made efforts to communicate my situation with the institution, but they seem to prioritize reporting and account closure. I believe they should remove the reporting from my credit report. Thank you.
Product: Bank account or service

Last week I got charged a XXXX dollar per month maintenance fee for my checking account. I have had the same checking account for over 15 years and have never before been charged a monthly fee. I was never told about a fee starting XX/XX/2017 and I did not give any consent to being charged a monthly maintenance fee.
Product: Mortgage

Subject : Complaint Regarding Inaccurate and Misleading Reporting of Transactional Late Payments by SPS and Conflict of Interest in Credit Bureau Revenue Models I am filing a formal complaint against SPS regarding the reporting of multiple late payments on my mortgage account, which appear on my credit report as XXXX days late in XXXX, XXXX, and XX/XX/XXXX, as reported by XXXX and XXXX. 
These reported delinquencies are transactional in nature and not reflective of sustained non-payment or default. The account is currently listed as XXXX as of XX/XX/XXXX, which further supports that these entries do not accurately reflect my ongoing payment behavior. This type of reporting is not only harmful but may be inconsistent with the Fair Credit Reporting Act ( FCRA ), which mandates that consumer data must be complete and accurate ( 15 U.S. Code 1681s-2 ).

Furthermore, I am deeply concerned about the conflict of interest that exists between the credit bureaus ( namely XXXX and XXXX ) and the data furnishers they are supposed to monitor for accuracy. According to Securities and Exchange Commission ( SEC ) filings, these credit bureaus derive significant revenue from : Selling data furnished by creditors like SPS, Providing subscription-based services to these furnishers, Earning fees for dispute handling and resolution. 
This raises legitimate questions about their incentive to fairly and objectively adjudicate disputes submitted by consumers. A business model that profits from both the sale of derogatory data and from the disputes that such data generates can not be considered impartial. 
These financial incentives appear to encourage the bureaus to : Favor the furnishers version of events, Minimize the chances of successful consumer disputes, Retain derogatory items that continue to generate revenue. 
In light of the above and precedent set by cases such as the XXXX XXXX transactional dispute, where similar mischaracterization of billing-related issues was deemed inappropriate, I am requesting the following action from the CFPB : Initiate an investigation into SPS 's XXXX of this mortgage account. 
Examine the relationship and practices between SPS, XXXX, and XXXX for potential violations of the FCRA and conflict of interest. 
Require the immediate deletion of these improperly reported late payments. 
I have included documentation for your review and would appreciate confirmation that this issue will be thoroughly examined.
Product: Mortgage

Since Covid-19 ; I lost my job. I called to my mortgage services and give me a information about program HAF DEO. 
I applied and I was approved last year XX/XX/2023. 
The HAF a program helping x 6 months payment, I contact with the PHH MORTGAGE SERVICES, and I send already all the information and also sent the award letter approved. 
The PHH MORGTAGE SERVICES, they recived the payment, but they returned the payment, because they needed reinstatement the amount x {$90000.00}.

I contact again to the bank and told me X apply for Loan Modification trial, but denied. 
Now its in reviewing my account. 
I really need help, because my husband he is very sick.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Charged off : XXXX XXXX XXXX Balance : {$30000.00} -Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$30000.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP. 

Collection : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} -I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately TRANSUNION Charged off : XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} -These particular accounts are undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$30.00}, XXXX  and {$10000.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file
Product: Mortgage

I was approved for a mortgage modification with Seterus because I 'm currently XXXX delinquent. Seterus is proposing a 40 year term to modify my mortgage for that small amount when I currently have less than 16 years left now. The modification include illegal fees and charges. This company takes advantage of the difficult times people are having and force them into terms that are probably illegal but benefits the company greater. This company needs to be investigated and the responsible people should be charged and jailed to the max.
Product: Checking or savings account

I want to file a complaint against Chase Bank customer service of a claims department. I made a claim XX/XX/XXXX then my girl XXXX XXXX XXXX sent the wrong amount of {$600.00} to my Chase banking account and I have called Chase And spoke to a customer representative of the claim department and told and asked her if she could send the money back. I also explained to the lady that my account was in the negative, but she said that was OK and she still went through with the claim and the next day of XX/XX/XXXX. The claim was approved and the funds was taken right back out my account and it was supposed to be sent to back to XXXX XXXX XXXX XXXX XXXX  account so now when I get off the phone with them today, they telling me that all we have reversed it and the funds are coming back and you need to tell your girl that she owe you the money so all I want is my money but if I have to take them to court so I can get my money back from a transaction that was mistakenly sent to my account that has nothing to do with my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had 5 late payments on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXXXXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can ; t be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit Report and there is an address reporting on my credit report that I would like to have permanently deleted. 
Below is the address that I would like permanently removed from my Equifax Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly lates on the USD/XXXX  ; XXXX ; XXXX/XXXX  and XXXX  student loan accounts. ( Please see attached spreadsheet as well as pages from my credit report for reference. ) These student loans are in forbearance and therefore no late payments should have accrued. This false reporting of lates is seriously harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to have these items removed however, I have not been successful.
Product: Credit card

Last year I accepted XXXX balance transfers from my XXXX credit card administered by US Bank. The promotional 0 % rate was to end with the XXXX 2015 statement which closed on XXXX XXXX, 2015 - at which point the interest rate would increase to 17.99 %. On the XX/XX/XXXX statement the remaining balances were listed as {$410.00}, {$1400.00}, and {$1300.00}. 

On XXXX XXXX and XXXX XXXX I paid {$1600.00} and {$1000.00} respectively to US Bank in order to decrease the amount that would be charged the high rate, believing that after the minimum payment was met the additional amount would be credited to the highest rate balances. 

On the XXXX 2015 statement I found that the {$2600.00} had been credited to other balances with 0 % rates. There were interest charges totaling {$51.00} on the XXXX balances in question whose interest rate had increased from 0 % to 17.99 %. Nothing had gone towards paying off these balances. 

On XXXX XXXX I called US bank. Both the initial customer service representative and her supervisor told me that the {$2600.00} had been paid too soon as the 17.99 % interest rate would not kick in until the XX/XX/XXXX statement and that there was nothing they could do to help me. I do not see how this can be correct as there was already a {$51.00} interest charge on these balances. I asked to speak to a Manager and was told that one would contact me, but no one has called. 

Could you please help me resolve this issue. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of a computer-generated letter from vour company with unsigned, unverified, unvalidated statements alleging some kind of debt. Who are you? Do Thave a contract with you? If yes. please send a certitied copy of the contract that exists between XXXX XXXX and NCA It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes and I do not owe the debt for the account in the above Regarding. However, your claims are conditionallv accented provided vou furnish me with a claim verified under penalty of perjury. 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. 
Please send me a certified copy of your license to collect a debt in Texas. If you purchased this as a " debt collections '' device to make money as a debt collector, thank you for paying off the bill. You have 3 days to respond with a statement of account with a zero balance and remove any and all unlawful on my credit report. Failure to respond in 3 business days is acceptance and your failure to cure vour dishonor will receive my NOTICE AND DEMAND for {>= $1,000,000} in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion Racketeering, Conspiracy, Intimidation.

Here are the terms of this self-executing Contract : Respondent must respond in an Affidavit with the requested supporting documentation and mail it to me. 

In the absence of a true bill, kindly tender payment of {$1000.00} payable to : XXXX XXXX for 1 ( one ) unsigned, unverified, unvalidated statement punishable by Federal Law pursuant to Title 18 USC 1341. 1702. 1703 and 1708. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX
Product: Debt collection

Received a garnishment letter for a court date on XX/XX/XXXX. The court date is XX/XX/XXXX. When I tried to look into the debt online I couldnt find any information on the debt. I then called the company and when I asked for the debt information I was told that they cant provide and to contact the lawyer. I stated that by law you have to provide me with information on my debt even if it going through procedures for garnishment. He told me I was too late. I was mad and I hope they are able to provide a copy of the phone conversation. The company is Midland Funding LLC and I went on their debt management site as told on their website to review any debt.
Product: Debt collection

I 've started getting calls from the company Allied Interstate LLC recently. When i asked what the call was about the person on the phone would just say " an important business matter '' or " personal business matter '' and then ask for me to confirm my social security number without telling me what the call was about in detail. When i told them they needed to state the actual reason for the call and if it was being recorded they would tell me that if i didnt confirm my information the would submit it to the legal action team. I 've attempted to block calls from their numbers and direct them to my lawyer and tell them to stop calling and yet it continues.
Product: Checking or savings account

PayPal responded to my previous complaint that looks jus as below : It's the usual lack of responsibility. 15 years ago I had to close my bank account due to the same fraudulent activity from PayPal as it is in this case. Today I received email from PayPal that I have message on their portal but I'm blocked to use it. Suggested by PayPal addition of debit card where PayPal will send money doesn't work telling me that debit card I provided is bad. I provided two Visa debit cards info. Debit cards I use everyday for groceries, gas and pay bills. But for this poorly run PayPal company " this are bad debit cards ''. PayPal has my home address on file. 
I have requested via registered mail prior to my account was blocked to send this funds by check ( with {$1.00} surcharge ). Never heard back from PayPal, never got the check. Tried to reply to PayPal email via " reply '' button, turns out bogus email address from PayPal returned to me. 
Tried resolution center " no cases have been found '' tried using " call '' button on PayPal website- it's not dialing. 
Simple words : criminal intent company like PayPal is not to be reached. PayPal is a fraud on American market. It was naive of me to start with PayPal again after they trashed my life once.