23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed the following letter to Midland Funding and have not yet received a response. Please see correspondance below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Midland Credit Management, This letter is a formal complaint that you are reporting inaccurate credit information. The report I received contains a series of items that should not be on my profile. The account in question are listed below. Please send me a copy of the signed contract I have with you to do business. Please send me complete documents that you used to calculate any and all amounts you say that I owe you. 

If you do not have any documentation in your files to verify the accuracy of this disputed account, then please delete it immediately and all negatives effects that have impacted my credit. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, ALL UNVERIFIED accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 


MIDLAND CREDIT MANAGEMENT OPENED XXXX {$1000.00} XXXX XXXX XXXX Thank you for your cooperation in and prompt response in resolving this matter. 



XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I went to U.S. Bank XXXX branch at XXXX XXXX XXXX, thinking to open a bank account, choosing this U.S.bank because of its convenient location and close to my home. 

Customer service representative XXXX XXXX XXXX greeted me, after knowing that I want to open a new account, she presented a promotion flyer to me. The promotion is that new customer can earn up to {$500.00} by opening a new qualifying account and enrolling in online banking or mobile app, then completing 2 or more direct deposits within 60 days. I still have this promotion flyer together with other new account paperwork. I can provide this promotion flyer if needed for investigation. 

XXXX helped me set up a new account and downloaded mobile app and online banking. I set up direct deposits in the following days back home. Within 60 days, more than 2 direct deposits have been completed in my new U.S. bank. 

But as of today XX/XX/2022, U.S. Bank still did not deposit the {$500.00} bonus into my bank account. I already contacted U.S. bank but U. S. bank refused to honor {$500.00} bonus.
Product: Bank account or service

I believe I was discriminated against by Wells Fargo due to my income level. My account was overdrawn by XXXX cents. Approximately {$770.00} was from the XXXX fees imposed by Wells Fargo. They gave me 60 days to bring my account current or else they would close it. I explained to them that I could pay them {$700.00} which would more than cover the amount paid by them on my behalf as well as a good portion of their fees. My offer was rejected. I was informed by multiple representatives that I had to pay the amount in full by the 60 day dead line or they would close my account. I explained to them that they were putting me in the position to choose to pay rent or pay them. They again said there was nothing they could do. Because having a checking account is important to me I decided to try to make some extra money. I was able to pick up some extra work to help cover rent and then used my entire regular pay check to bring my account to a positive balance with Wells Fargo on XXXX/XXXX/16. When I did I was told that my debit card had been turned off due to misuse. I asked them who missed used it and the representative informed me that I had. I was never informed by the bank that I could be punished by them for not using my debit card according to their standards. Now I have a checking account without a debit card attached to it, something that I feel is important to have in 2016. Wells Fargo made it very difficult for me to keep my account open with them. I told them that I can only conclude that they no longer wanted me as a customer. XXXX branch manager even looked at my purchases and in a loud and scolding tone chastised me for having to use payday loans, people in the bank heard, I was embarrassed, and I had to ask her to please lower her voice. I am not sure how much profit Wells Fargo makes from their {$35.00} fee, but I can only imagine it is somewhere around XXXX I may not make the most money, and I may not always manage my money well, but I am a person worthy of Wells Fargo 's respect. I doubt I will ever get any of the {$770.00} back from Wells Fargo because I am sure they have covered their rear-ends in some complex legal mumbo-jumbo, and that makes all of this that much more frustrating. I am not rich! I live paycheck to paycheck right now! I take my share of responsibility for that but my circumstances are not all my fault. What I needed from Wells Fargo was to be treated like a real person, like a member of the community regardless of if I was rich or poor, what I got was the cold shoulder, sharp criticism, and references to some ambiguous company policy.
Product: Credit card

The TJX Companies , Inc.

XXXX XXXX XXXX, XXXX, XXXX  XXXX Dear sir, Today, XXXX, I went to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX to return the purchase on previous date, XXXX, which was {$6.00} after using {$10.00} gift certificate, sent by email, XXXX. The certificate number was XXXX ( XXXX ). I have returned this item and told the credit will be refunded on my credit card of Synchrony, ending number XXXX. The amount to be returned is {$10.00}. Later, I purchased several things, including a beautiful crystal tree which had the crystal bottom. I wanted to use two {$10.00} gift certificates ( # XXXX XXXX XXXX, # XXXX XXXX XXXX ) ; however, the casher said my two gift certificates were rejected. Since her attitude was nonchalant, I just answered her I would make complaint. I enclose two receipts of refund and purchase, including the copies of all three gift certificates. Unfortunately, this casher did not wear name card. So, I can not indicate her name. This is the second time with your company, that my gift certificates, which are my rewards have been rejected. Since I want to use them, would you send me usable gift certificate/card of {$20.00}. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Balance : {$23000.00}
Product: Credit card or prepaid card

I asked to close account back in XXXX. AMEX did not. Now they charged me {$75.00} in XXXX. Please remove the charges and remove me from collections!! 
Do not collect on this. 
This {$75.00} annual fee should not be there. 
i do not USE the card at all!!! 
Follow up with me by letter!! 
See copy of the file attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly.

15 U.SC. 1681 section 602 A. States i have the right privacy.

15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in a account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Debt collection

Since XXXX XXXX, I have been making monthly {$120.00} payments on student loans owed to XXXX XXXX XXXX that were sent to Williams & Fudge Inc. for collections. 

My XXXX credit report lists the following for the three loans in question : 1. Opened XXXX Recent balance {$6900.00} as of XXXX/XXXX/XXXX {$800.00} past due as of XXXX XXXX 2. Opened XXXX Recent balance {$3400.00} as of XXXX/XXXX/XXXX {$710.00} past due as of XXXX XXXX. 
3. Opened XXXX Recent balance {$9100.00} as of XXXX/XXXX/XXXX {$1000.00} past due as of XXXX XXXX I have contacted Williams & Fudge on several occasions to request detailed information about precisely how the {$120.00} payment is applied to each loan -- how much to the principal, how much to interest and how much to any penalties and fees -- and how each loan balance is changing based on how the payment is applied. 

On XXXX/XXXX/XXXX, via email, I received the following information : Your remaining balance is {$26000.00}. You have already paid a total of {$1100.00} towards your account. 

Original amounts : XXXX XXXX XXXX Late fees and interest and principle CLIP method On XXXX/XXXX/XXXX, I asked again for details of how payments are applied. I received the following via a phone conversation. They told me it was part of their internal system/calculated internally and they could not print out or send me a PDF of this information. : 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest 7.5 % - Affiliated Loan Program XXXX, $ XXXX 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest Original amounts : XXXX XXXX XXXX Late fees and interest and principle CLIP method I have been provided no written or verbal details of what the fees and penalties are or how they are calculated. Williams & Fudge has provided no written statements or regular correspondence on company letterhead regarding how payments are applied, penalties, interest or fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FALSELY REPORTED THAT I HAVE A BANKRUPTCY ON MY CREDIT REPORT. THEY PUT THE DATA FURNISHER AS THE US BANKRUPTCY COURTS OF SOUTH FLORIDA WHICH IS FALSE!! I HAVE A STATEMENT AND SIGNED LETTER FROM THE FEDERAL COURTS STATING THEY DO NOT FURNISH DATA NOR RELEASE ANY INFORMATION TO THIRD PARTIES OR CREDIT BUREAUS. THEY ARE FALSELY REPORTING AND HAVE YET TO REMOVE THIS! 

ALSO REMOVE ALL ACCOUNTS STATED TO HAVE BANKRUPTCY ATTACHED IMMEDIATELY Account name : XXXX XXXX ACCOUNT NUMBER XXXX XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX Account XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX. Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX Bankruptcy Account number : XXXX has violated my rights
Product: Mortgage

I refinanced a loan with my local lender, XXXX XXXX XXXX XXXX They sent a payoff check written from their bank to the mortgage holder, Cross Country Mortgage. Cross Country Mortgage did not accept the check, because they said they were not certified funds. The payoff was sent XXXX/XXXX/XXXX. A letter was drafted by Cross Country Mortgage on XXXX/XXXX/XXXX advising of the rejection of the payoff. It was sent along with the bank check which I did not receive until XXXX/XXXX/XXXX. Now they want additional interested on the payoff, which neither I nor my new lender believe should be paid. And why did they not call me or my new lender immediately when the received the check. Also, I and a representative from my new lender have called, but Cross Country Mortgage would not let either of us talk to anyone above the supervisor level. 

Also, when I originally applied for this loan the loan originator told me there would be no origination fee, which I specifically asked about. However, when the settlement statement was given to me and we closed the loan, there was an origination fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report and discovered an inquiries that I have no knowledge of. 
Because I did not apply for credits, I have also reached out asking that they remove the inquiry from my credit profile. 

Please start an investigation.
Product: Credit reporting or other personal consumer reports

My credit report was used unlawfully on different separate occasions.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters requesting approval and the strategy for how they approved different false and sketchy things on my credit report and have not gotten back anything in more than 45 days for these records that are obviously wrong and fake records. This credit authority is ignoring the law and exploiting buyers and this has caused large pressure in my life. The latest guaranteed letter I sent was XX/XX/23. These are the accounts and their account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 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 received calls and the company has left voicemails saying that I would have police come to my door if I didnt pay the debt.
Product: Mortgage

I was approached by XXXX XXXX  for a free refi on my mortgage which was recently sold to them by XXXX XXXX XXXX ( see below ). The XXXX rep would not provide the details, terms, or disclosure for the offer unless I applied and they could run my credit. Then once I started the process, I was told that as a self-employed applicant that I had to have a median credit score of XXXX ; my scores allegedly being " XXXX '' ( the representative would not provide proof, self pulled scores were higher ), and that they would be declining my application. 

The idea that XXXX would offer a lower rate to check the credit of their newly transferred customers is a scam. 

My representative was XXXX XXXX Senior Loan Officer NMLS  # XXXX XXXX XXXX # XXXX " Welcome to the Freedom Mortgage Family! Recently you received a notice that XXXX XXXX XXXX XXXX, a fully-owned subsidiary of Freedom Mortgage, began servicing your loan. This will not have any impact to your loan number, rate, term, balance or payment method. 

SAVINGS OPPORTUNITY LOWER YOUR RATE Based on an initial review of your account, we can lower your rate and monthly mortgage payment. 
Benefits Include : * Zero lender fees * Lower rate and monthly payment * No appraisal required in most cases * Keep your current remaining term Don't delay as rates can change at any time Lock in your new lower rate today and get started on lowering your monthly payment! 
Reservation # XXXX Phone Icon Call XXXX or visit us online! ''
Product: Debt collection

Per my XXXX credit report this company has unlawfully and doesnt so without my permission pulled my credit report XXXX times in the last 18 months. The information below is taken directly from my XXXX credit reportFIRST NTL COLL BUREAUXXXX XXXX XXXX, NV XXXX ( XXXX ) XXXXRequested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. In XX/XX/XXXX I owned a XXXX XXXX XXXX vehicle. That vehicle had broke down in XXXX, FL and I had it towed a dealership called XXXX XXXX XXXX. XXXX XXXX XXXX would not work with me to setup a payment arrangement because at that time I had also lost my job due to Covid. So I had a monthly payment due as well as now the vehicle needed repair. I immediately sent an email back to the manager on XX/XX/XXXX advising them to pick up the car because I could no longer afford the payments. Please see first email attachment. The balance on the car at that time was a little over XXXX owed. I also spoke to the same manager over the phone and they also confirmed they will be sending someone to that dealership to pick up that vehicle. I then called the dealership and advised them to NOT work on the car since it will be picked up by XXXX XXXX XXXX Well months go by and I never heard another word from anyone. I just assumed the car was picked up. I was just waiting on the final deficiency balance to arrive in the mail. Well toward the end of XXXX early XX/XX/XXXX I started getting calls from XXXX XXXX XXXX looking for the car. I was soooo confused then followed by a letter in the mail stating XXXX of XXXX XXXX SOLD the car at an auction. How is that possible?! I then received a call from a tow driver asking when will be a good time to pick up the car? We are like 6 months into a new year and the car should have already been picked up but XXXX never picked up the car. I then forwarded a copy of the auction letter over to the tow driver who then stated he will be reaching out to XXXX XXXX XXXX since it showed he was looking for that car in my possession. Please see second screenshot of the letter. A few weeks later in mid XX/XX/XXXX I then received another call from someone in collection at XXXX stating I will owe the balance of XXXX ... .How the balance jump from XXXX to XXXX? That is not right. According to the law I was under the impression the car would be sold and I would pay the difference which is called a deficiency balance which should be way lowered than the XXXX... So XXXX XXXX XXXX has NO CAR to sell but yet displaying that full balance on my credit report. That balance is inaccurate and I need representation to get some help with clearing up this issue.
Product: Mortgage

The lender PHH Mortgage has charged late fees to my account in the amount of {$29.00} on twelve different occasions for a total of {$350.00} despite the fact that I have never paid my mortgage late. In fact I make additional payments by paying half of my monthly payment amount every two weeks instead of one monthly payment. After numerous calls with the lender as the late fees have accumulated, no agent of PHH ever said that this payment schedule should be halted. In my interactions with the agent they seem to understand the pattern of payment and state they will file the documentation to reverse/credit the late fee. The rectification never occurs. After reaching my current frustration level, I refinanced my mortgage with another lender. Now that the PHH mortgage is paid in full the company refuses to pay to refund the late fees even though the statement of account transactions show that no payment was ever missed or was late. Each week for the past 5 weeks someone tells me to call back in 7-10 days to follow up. I have escalated to managers with no explanation for how these fees are justified and why the refund can not be made.
Product: Debt collection

on XX/XX/year> my boyfriend and i applied for these apartments called XXXX XXXX, we paid the amount of {$420.00} for two application fees and the admin fee. we were told that it was refundable. we decided not to go with those apartments and cancelled the application. On XX/XX/year> we received an email stating that we owe {$420.00} for a move out statement but we never lived there never signed a lease all we did was toured the apartment. XXXX XXXX then decided to send the debt of {$420.00} to a third party named XXXX. XXXX then proceeded to harass us and threaten us that they will put it on our credit even when we tried to understand why we are owing money to a complex that we never lived in. A debt was then placed on my boyfriend and i credit falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards with the account listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. This is a good standing account. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. Please update to PAID AS AGREED/NEVER LATE. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I accessed my report and see portfolio recovery associates inquired into my credit without my knowledge or consent. I am asking that the inquiry be removed.