23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I found out from the credit reporting bureaus XXXX XXXX and XXXX  that there was a negative account under " Midland Funding, LLC under account number xxxxxxxxxxXXXX. Midland Funding, LLC has failed to provide any legal validation or a letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Midland Funding, LLC has failed to provide the information requested. Midland Funding, LLC is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately. Midland Funding, LLC has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Midland Funding, LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Midland Funding, LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Midland Funding, LLC possesses adequate documentation to collect this alleged debt. Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, Midland Funding, LLC shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint addressed to the Credit Reporting Agencies to request to the Credit Bureaus to remove the disputed Accounts and Information from my Credit File. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous CFPB complaint I submitted on XX/XX/XXXX and I am including it again. Also, the information that some Credit Bureaus provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, I need you to please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX  XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX  XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX XXXX XXXX Balance Owed XXXX {$2000.00} XXXX  XXXX XXXX XXXX Balance Owed XXXX {$15000.00} XXXX  XXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$350.00} XXXX  XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX  XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This CFPB Complaint is to notify the Credit Reporting Agencies that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for your willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

This is my MULTIPLE request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XXXX, I deposited a check for {$92000.00} to my XXXX XXXX XXXX account via a XXXX XXXX XXXX  ATM. 

On various calls XX/XX/XXXX - XXXX, the bank has told me : - conflicting reasons for the check being rejected - that the check was being returned to the issuing bank, not to me - that I would need to ask the check writer to talk to the bank to figure out why the check bounced. 

My account has had various fees and two checks marked as bounced which created a headache for me. On Friday the account was marked as having a very negative amount of funds available ( -180k or  so ). 

On XXXX I was charged a {$5.00} chargeback item fee. 
On XXXX I was charged two uncollected funds fees of {$10.00} each. These have since been refunded at my phone request. 

I reached out by phone to XXXX who is responsible for this check and : - The check was valid - The account had a balance large enough to cover the check - Her account with the bank has no record of that check attempting to be cashed
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists, It is my understanding that you will investigate these items for me to ensure accuracy. 


XXXX XXXX NORDSTM/TD XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX
Product: Mortgage

I had met with a senior mortgage consultant in XXXX of XXXX to fill out enrollment paperwork for the XXXX XXXX XXXX program. She opened the account that day and said I was all set and we made the first deposit. She told me follow the instructions and to contact her when I was ready to start looking at homes to buy. For the next 10 months I made my monthly deposits. When I started to look at houses I emailed my mortgage consultant and made sure I had all of the deposits made and was on track. She then had me attend a first time home buyers workshop. I completed that and sent her the certificate again making sure I was all set with the XXXX. When I went for a preapproval in XXXX of XXXX she said I had 24 months to use the XXXX grant. I did not end up purchasing a house then. When I emailed her again this past XXXX, I did not get a reply so I emailed another mortgage consultant. She proceeded to tell me the original lady was not with the bank any more and that I was not enrolled in the XXXX XXXX XXXX program. I sent all of my enrollment paperwork to prove that the account was open and was told that the bank had made a mistake and my paperwork was never filed. I was told that when I applied for the actual mortgage the bank would make it up to me as I was losing {$8000.00} in the grant. I just went in last night to talk to my new mortgage consultant to fill out an application because I had found a house and put an offer in, she told me that the best they could do was to maybe reduce my interest rate by XXXX of a percent and that i would not get any where near the {$8000.00} that I lost from the grant.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has been repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT be included in an active payment history. This inaccurate information falsely manipulated the statue of limitations. you failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - Account XXXX - XXXX
Product: Debt collection

Prior and on XXXX XXXX, XXXX, I contacted The XXXX XXXX XXXX also known as XXXX XXXX ) and XXXX XXXX XXXX to inform the entities I was cancelling my insurance with them and I had purchased insurance with XXXX XXXX. Communications were made via prior to and on XXXX XXXX, XXXX. I spoke with customer service with The XXXX XXXX who asked me to also inform the Auto Agent Broker, XXXX, with XXXX XXXX Auto. In addition to the the telephone calls, I sent an email to XXXX XXXX ( ie. XXXX XXXX with XXXX XXXX XXXX XXXX. Note, please view proof of the Auto Insurance Policy EmaiXXXX I sent on XX/XX/XXXX. All these efforts were done because my auto insurance with their company was to end on XX/XX/XXXX and I wanted and received a better benefits and cheaper rates with XXXX XXXX and I did not want to be penalized for any reason and wanted to go separate ways with no balance pending. However, on XX/XX/XXXX, I received a letter from Credit Collection Services, a collection company, that adverse credit reporting is schedule to impact my credit ( ie please view the attached document ). Since I am not getting helpful assistance from the neither of the auto insurance companies nor the XXXX XXXX XXXX, I have contacted CFPB for help.
Product: Debt collection

I have a defaulted student loan through Loan to Learn. A recent hit on my credit report indicates that this loan is in collection ; however, there is no contact information listed for the collection agency. The loan amount is listed as XXXX with a balance owing of XXXX and outstanding balance of XXXX. Further, the only contact information listed is the original lender Loan to Learn for which the phone number is out of service and the website for which has not been updated since XXXX. The address listed is XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX Virginia zip code of XXXX. The out of service phone number is XXXX. No collection agency has made any attempt to contact me regarding this debt, though they are reporting the balance as outstanding through credit reporting agencies monthly since XXXX XXXX. As such, I have no way to rectify this debt. I have no company to contact through phone, email or website. I have no ability to dispute the debt amount or to confirm the origins of said loan. My credit report is suffering and I have to way to make this right. Please let me know what will be done in response to this complaint.
Product: Mortgage

Seneca Mortgage has violated RESPA ( 12 U.S. Code 2605 ) by not responding to my Qualified Written Request ( QWR ). 

On or around XX/XX/XXXX I changed my homeowners insurance carrier and PAID IN FULL for the entire year to protect myself from Seneca since they have proven to be incompetent at best -- criminal at worst -- in how they " handle '' escrow. 

Seneca was sent multiple notices of the change via their online system, via fax, as well as a letter sent via USPS # XXXX, which they signed for on XXXX/XXXX/2016 ( attached, Exhibit A ). 

Seneca sent me a letter dated XXXX/XXXX/2016 ( attached, Exhibit B ) requesting a refund for any " unearned premium '' amount from the old carrier and in it made the following claim : " The replacement policy has been accepted and the premium amount, requested by the new carrier, has been disbursed from the escrow account. '' On XXXX/XXXX/2016 Seneca signed for my QWR ( attached, Exhibit C ) sent via USPS # XXXX which requested that Seneca provide written proof that the new carrier did in fact request a premium amount and also provide the amount of their claimed disbursement from my escrow account. The QWR also included a check for {$190.00} ( the amount I received from the old carrier ) which they deposited on XXXX/XXXX/2016 ( attached, Exhibit D ). 

12 U.S. Code 2605 ( e ) ( 1 ) ( A ) requires the Servicer to " acknowledging receipt of the correspondence within 5 [ business ] days. '' 12 U.S. Code 2605 ( e ) ( 2 ) requires the Servicer to " investigate, '' " correct '' if necessary, and provide a " written explanation or clarification '' to the Borrower " not later than 30 [ business ] days. '' As of today -- well over 30 business days -- Seneca has not responded to my QWR.
Product: Credit reporting or other personal consumer reports

I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process. 

I kindly request that you process this freeze promptly and provide confirmation of its activation.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I was shocked to find out that I was a victim of identity theft. I found numerous accounts on my report that I did not open. This has been hurting me as I am in the process of buying a house. please remove the fraudulent accounts from my report as soon as possible
Product: Credit reporting or other personal consumer reports

I am formally disputing the reporting of [ XXXX XXXX XXXX appearing on my consumer report. Under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may not furnish my consumer report unless I have provided written authorization or the request meets a legally permissible purpose under the Fair Credit Reporting Act ( FCRA ). 
I never provided written consent for [ XXXX XXXX XXXX to access or report information about me. I demand that you provide proof of my written authorization, including my signature, that allows [ XXXX XXXX XXXX XXXX report this information. If no such authorization exists, this reporting is a violation of the FCRA and must be deleted from my report immediately. 
I expect your compliance within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ). If you fail to remove this unauthorized entry, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action.

Please send me a written confirmation of the removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

No written authorization for inquiries not recognize for : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from XXXX XXXX at ( XXXX ) XXXX ext XXXX. Was also given the number XXXX to call back in the event that we were disconnected. She gave the document # XXXX as reference. She said she was calling from XXXX XXXX XXXX in XXXX XXXX  in reference to a complaint being filed against me by Bank of America for breach of contract in regards to a credit card ending in XXXX for a total of {$15000.00}. She said I could pay {$5000.00} to settle immediately or set up a payment plan paying {$7500.00}. She had my complete social security number, date of birth, past address from over 20 years ago, as well as current address, cell and home phone numbers. 
I do not have this credit card, nor have I ever. I checked my credit account to make sure somebody didn't open it without my knowledge, but it is not in my credit report. She said I have 24 hours to settle or they will file the complaint in my county and I will be going to court and paying the full amount. She is calling back today. Tried to call bank of America but since I don't have an account, I could not talk to anyone in customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, To the Consumer financials, My name is XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am hereby sending this letter urgently regarding my Comenity Children 's Capital credit card account in XXXX XXXX XXXX XXXX I am here writing this letter to let know that I settled the dispute with XXXX XXXX credit bureau and paid off the balance pending on the card. The transactions were missed due to mail lost or no intimation to make the payments to us and finally ended up with some credit score loss. 
The main problem is Neither XXXX credit agency nor Comenity Bank is taking responsibility or submitting the information to credit bureaus. This is against the federal law. Hence, I am sending this document. 
It is highly urgent for me to get this credit history be removed so it can boost up my credit score. 
With the XXXX credit agency my settlement dispute reference number is XXXX. you may want to confirm the same with the credit agency that we settled the dispute. 
Currently we are undergoing thru some mortgage loan and requesting with this letter that if its possible to erase this incident on my credit history as its impacting my mortgage loan and credit score. 
Please urgently call me at XXXX XXXX XXXX if you have any further questions on the same. 
I am attaching the payoff letter from XXXX XXXX as proof that you can report it to the credit bureaus as paid off. 

Sincerely XXXX XXXX Email XXXX Phone XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Early Statement Closing and Negative Credit Impact Dear Capital One Customer Service, I am writing to formally express my concern regarding the early closing of my recent billing statement, which has negatively impacted my reported balance and, consequently, my credit score. I have been a responsible account holder, and I rely on the consistency of my billing cycle to manage my finances effectively. Unfortunately, I was not provided with any advance notice of this early statement closing, which prevented me from making necessary adjustments to my balance before the report was submitted to the credit bureaus.

The unexpected change has resulted in a reported balance higher than what I typically carry at the end of my billing cycle, which in turn has affected my credit utilization ratio. As you may be aware, credit utilization plays a significant role in credit scoring, and this unanticipated shift has the potential to impact my overall financial standing unfairly. 
I respectfully request an explanation for why my statement closed earlier than usual and why I was not informed in advance. Additionally, I would appreciate any corrective measures that can be taken to ensure that my credit report accurately reflects my intended balance. If possible, I request that the reported balance be adjusted or that guidance be provided on how to mitigate the impact of this issue. 
Please provide a written response at your earliest convenience, as well as any steps I may take to prevent this from happening in the future. I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Mortgage

XXXX XXXX is in violation of CA anti-dual tracking laws and is guilty of acting in bad faith on a real estate transaction. At issue is a short sale request that was submitted to XXXX XXXX and XXXX XXXX confirmed receipt of a complete package. Once the package was complete XXXX XXXX is legally obligated to postpone their foreclosure sale date for XX/XX/18 which they have not. 

Additionally on XX/XX/18 the underwriter on the file acted in bad faith when they denied the short sale for a bogus reason of " title issues ''. All lenders understand short sales have title issues and have a legal obligation to work a short sale and provide a short sale approval letter so that junior lien holders will know how much is being offered. XXXX XXXX had a good faith obligation to advise what title issues they were concerned with and allow time to have those title issues responded to. They did not. They did not because they are acting as a foreclosure mill breaking laws and had no interest in doing what they are legally required to do which is help homeowner avoid foreclosure. XXXX XXXX should have their license pulled from CA since they can not operate within CA laws. 

Also as notated by the email attached the title issue XXXX XXXX was referring to clearly states they require XXXX XXXX approval letter before they will work short sale which is standard industry practice.
Product: Credit card or prepaid card

I got a second mortgage to pay off my Barclays credit card. This payment was sent on XX/XX/XXXX. On XX/XX/XXXX this check was processed by Barclays bank. This payment was not processed on my account. I called several times over the course of a few days. They would not make a case on several occasions. I called XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They made a case for me finally today. They told me it would take up to 60 days additionally to resolve. Their are now two case numbers that I can and will provide for my two accounts. I have check images that show these payments were made and would like this resolved as soon as possible. In the course of these days of calling Barclays Ive been on the phone over four hours and Ive been hung up on at least four times. Reps have refused to give me a operator ID numbers And in most circumstances been very unprofessional. I do have operator ID numbers for several of the reps that I spoke with and can provide additional details as needed to help in your investigation.