23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX This call took place at around noon, XX/XX/XXXX I had noticed that there were some unusual activities on my credit report. I called Midland Funding to find out why I had 3 chargeoff that were not there before. After a few rings, I was greeted with hello my name is and I am debt collection agent. I had asked numerous times as to his full name without any luck. He kept interrupting me and saying I owed this much and I have to pay in full or payment. I was told to make payments of XXXX dollars a month until the debt was paid off. I ask if he could explain how it got on my name. he did not explain. All he said was its under my name. I either had pay or the collection will stay on for 7 years. He added that if I want the calls to me to stop I had to agree to pay. I said dont i have the right to ask about the collections and how it came about. He said, dont you know the law if you dont pay. You job and wages will be garnished. He ended the call by saying call us back when you have funds to pay.

All 3 collection companies below to one entity.

Midland Credit management Midland Funding Midland Funding
Product: Mortgage

I purchased my home in 2007 from American Home Mortgage. I had a first mortgage of around XXXX and a second mortgage of XXXX. The first mortgage was supposed to be and FHA and the XXXX was a program through calhfa for educators that worked in title XXXX schools and it had no interest. 2 Weeks after my loan went through, American Home mortgage went bankrupt. My paperwork was never sent in to FHA or XXXX. I received a letter from XXXX XXXX XXXX about XXXX10 months after I had been making payments with a refund for my property mortgage insurance. I was told at that time that my loan had been assumed by XXXX XXXX XXXX and was a conventional loan with a fixed rate of 5.5 %. I no longer had to pay the PMI. That also stopped me from being able to roll it into a FHA loan when the interest rates dropped. I was underwater on my loan because of property values but never missed a payment. Now I am trying to refinance but the paperwork has been lost on my XXXX and my refinance will not go through unless we can get information from the trustee of American Home Mortgage on my 2nd mortgage. I am locked into a XXXX interest rate until XXXX XXXX. If we do not hear from the trustee the XXXX my loan will not go through. I will have to pay for the appraisal and processing costs. This loan will save me XXXX per month on my payments. I have copied the info from my loan officer below. She has requested the info from the trustee but has not heard anything from them. The only contact info we have is an email address : XXXXXXXXXXXX. 
To : XXXXXXXXXXXX ' Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX mortgage Hello- I am the lender that is assisting the Capteins with a refinance of their first mortgage. We need the second mortgage to subordinate as their appraisal did not come in high enough to pay off the second mortgage. XXXX XXXX from XXXX sent the assignment of the second to you as this loan was never sent to XXXX to purchase when the borrower 's closed on their transaction back in XXXX of 2007. 
Please advise if you need any additional information from XXXX XXXX Mortgage. XXXX XXXX with XXXX XXXX title can send you documents for the subordination upon your approval. Our lock expires on their rate on the XXXX of XXXX, so please advise at your earliest opportunity. 
Thank you. 
XXXX XXXX XXXX XXXX Mortgage Loan Officer I am in desperate need of help with this. And of course I need it asap before XXXX. Please advise, Thanks, XXXX XXXX
Product: Checking or savings account

I had made XXXX separate purchases with XXXX XX/XX/year>. XXXX was for {$69.00} and another one for {$62.00}. I had requested a refund with XXXX on XX/XX/XXXX for {$69.00} due to item not arriving. I also canceled an order with them for {$62.00} for my product not arriving on time. XXXX gave me my refund of {$69.00} but I had to filed a dispute through chime for the {$62.00} because XXXX denied taking the funds which clearly my account shows they did. Chime approved my dispute but refuses to give me my money stating that I already received a refund of {$69.00}. Which isnt even the same amount of my dispute. They refuse to email or mail me any documents or updates. I get told the same thing that they will escalate this ticket and nothing is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$84.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. ( account # Account number XXXX as I have previously filed a complaint with Federal Trade Commission and Consumer Financial Protection Bureau due to Identity Theft because of Data breach. 

XXXX XXXX has reported collection on my credit report # Account number XXXX OPENED ON XX/XX/year> I DO NOT HAVE ANY CONTRACT WITH XXXX XXXX XXXX XXXX DID THEY PROVIDE ME WITH any Original contract with my signature on it with their COMPANY. 

PLEASE SEE ATTACHMENTS : REPORT FILED WITH FTC
Product: Money transfer, virtual currency, or money service

On dates XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 I submitted requests to liquidate my account and have the funds transferred into my linked bank checking account. They did not process any of those requests and insisted I continue to submit requests via their app. So I did. It is not one month since my initial request and the funds are still with MoneyLion and not with my linked checking account. I called today XX/XX/2019 and they informed me that it will take an additional 3-5 business days for them to escalate the issue and an additional 7-10 business for them to liquidate my account again and an additional 3 business days for the ACH transfer to process. a total of an additional 18 business days on top of the one month that has already lapsed. This firm is holding my money without my consent and I need access to it immediately! This company needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report on the Federal Trade Commission website and mailed a copy to all 3 credit bureaus certified mail to report and request removal of these unauthorized accounts from my credit file. Nothing was done and XXXX XXXX keeps requesting me to validate and verify the account that I know nothing about. 

XX/XX/XXXX -The XXXX XXXX XXXX XXXX  {$2000.00} XX/XX/XXXX - XXXX XXXXXXXX XXXX  XXXX XXXX {$830.00} XX/XX/XXXX - XXXX XXXX {$5500.00} XX/XX/XXXX - XXXX {$2500.00}
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX XX/XX/year> ACCOUNT NAME XXXX XXXX XXXX  ACCOUNT XXXX # : ITEMS I ASKED FROM XXXX XXXX XXXXXXXXA PROPER INVESTIGATION ON ACCOUNT THAT IAM DISPUTING XXXXPROOF OF PROCEDURE OF INVESTIGATION XXXX.MY WRITTEN CONSENT TO FURNISH MY CREDIT PROFILE NONE OF THESE ITEMS WERE PRODUCED THIS IS WHY THIS ACCOUNT MUST BE DELETED DELETE ASAP THANK YOU It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


15 U.S. Code 16815-2- Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under
Product: Checking or savings account

My debit card was locked and a charge appeared on my locked card for XXXX XXXX for {$9.00} I had a free trial that I cancel before my time was up but a charge still went through unauthorized on my locked card. I tried to fix this issue with Wells Fargo
Product: Credit card or prepaid card

On the date of XX/XX/2020 there was fraud committed on my XXXX debit card issued by Bank of America. I had XXXX $ withdrawn from an area far from where I live. I called and filed a claim I filed a claim with Bank of America that same day, and then the following day ( Tuesday ) either BOA or the XXXX proceeded to delete / freeze my account! I also had another XXXX $ sitting in the account so for a month I did not have access to my future XXXX benefits, the XXXX $ sitting in my account, and the XXXX that was stolen from me! Right before XXXX too! Long story short I went back and fourth with the XXXX & BOA, and the XXXX reverified my identity and unfroze my account. Bank of America in the process gave me 0 help, and even mocked me at times for needing this money reimbursed to me. I have seen HUNDREDS of people going through the same thing. I called maybe 50 times within the month and I have not had the money that was stolen to me reimbursed.
Product: Checking or savings account

please help me. I don't know what's going on with this account but I ended up relationship and permanently open new account with this online banking no more.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint to address inaccuracies on my credit report and the inadequate handling of my disputes by the credit reporting agencies and XXXX XXXX XXXX XXXX. 

XXXX. Inaccurate Reporting of Late Payment : My credit report incorrectly states that I was XXXX  days late in XX/XX/year> on my XXXX XXXX XXXX XXXX account, while the reports for XXXX and XX/XX/year> indicate on-time payments. This discrepancy suggests an error in the reporting. Under XXXX XXXX. XXXX, creditors must ensure accurate reporting of late payments. I have disputed this with the credit reporting agencies twice and requested an investigation. To date, I have not received a thorough response or any documentation to substantiate the late payment claim. This incorrect reporting negatively impacts my credit profile. I request immediate correction to reflect on-time payment for XX/XX/year>. 

XXXX. Discrepancies in High Balance and Credit Limit Reporting : XXXX XXXX XXXX XXXX adjusted the high balance on my account but failed to update the credit limit to reflect its reduction to {$500.00}. As a result, my report inaccurately shows that I exceeded my credit limit. This error directly affects my creditworthiness and debt-to-credit ratio. Additionally, the last payment dates and balances vary across the XXXX major credit bureaus, highlighting further inconsistencies in reporting. 

XXXX. Erroneous Payment Amount Reported : My credit reports state that I made a {$1100.00} payment on XX/XX/year>. However, my bank records confirm payments of {$200.00} on XX/XX/year>, and {$73.00} on XX/XX/year>. If the {$1100.00} payment were accurate, my balance would be XXXX or significantly reduced. Instead, my balance remains over the credit limit. This misreporting raises questions about the accuracy of the data provided by XXXX XXXX. 

Attachments : XXXX, XXXX, and Equifax credit reports highlighting the inaccuracies. 
Bank records showing the actual payment amounts made on XX/XX/XXXX and XXXX, XXXX. 
Request for XXXX : I demand the following actions : XXXX correction of the late payment reported for XX/XX/year> to " on-time. '' Update the credit limit on all credit reports to reflect the {$500.00} limit as of the adjustment date. 
Provide documentation to support the claim of a {$1100.00} payment or adjust the reports to accurately reflect the payments made. 
Rectify all discrepancies in payment history, balances, and credit limits across the XXXX credit bureaus. 

Failure to address these issues promptly will leave me no choice but to seek legal action to ensure compliance with federal law and protect my credit profile. 

Thank you for your immediate attention to these matters. I expect a timely resolution. 

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

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me from moving forward with my life, so that I may provide for my wife and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent items be removed.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Checking or savings account

A freeze was placed on my account on XXXX/XXXX/XXXX without me being notified, when I tried to get information on what was going on with my account on XXXX and XXXX, Chase would not provide me any information or detail. I was told that it was with the fraud department who I would need to leave messages for and wait for a return call. I called several times without any response from Chase, I then started calling a phone number that I was provided by a branch manager several times in a row until I got XXXX XXXX to answer the phone. She was not helpful and would not provide me any information on what was going on except that there was fraud on another account. My ex was linked to this account but has not deposited or used any of the funds in this account in over 3 years. All deposits have been my payroll direct deposits or transfers from other Chase account. These are 100 % my funds but Chase will not discuss the account with me or allow me access to my funds on XXXX all of the money {$550.00} was removed form the account without any explanation.
Product: Debt collection

Genesis Credit Management LLC XXXX XXXX XXXX XXXX, WA XXXX Acct # XXXX cc : Consumer Financial Protection Bureau , Subject : Formal Dispute and Demand for Immediate Removal of Unverified Collection Account Genesis Credit Management LLC Dear Consumer Financial Protection Bureau , I am submitting this formal dispute to report a collection account reported by Genesis Credit Management LLC on my credit report. The account in question reflects a balance of {$5400.00}, date opened XX/XX/year> and appears on all three major credit bureaus ( XXXX, XXXX, and XXXX ). However, I have never conducted business with this entity, have not executed a contract with them, and they are not authorized to collect any debt on my behalf. 
Pursuant to my rights unde

r 15 U.S.C. 1692g, I previously requested that Genesis Credit Management LLC provide proper validation of this debt, yet they have failed to verify its legitimacy. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to provide verification of the alleged debt upon request, and their failure to do so renders their reporting and collection attempts unlawful. Additionally, per 15 U.S.C. 1692c ( c ), I have already contacted Genesis Credit Management LLC to demand the removal of this invalid collection. As they have not been able to verify the alleged debt and continue to pursue unauthorized collection efforts, they are in direct violation of the law. Their continued reporting of this unverified account constitutes a violation of my consumer rights and causes undue harm to my credit profile.

Given these violations, I am demanding the immediate removal of this collection account from all three credit bureaus. Failure to comply with my demand will result in further legal action, including but not limited to filing a formal complaint with the Federal Trade Commission ( FTC ) and seeking damages for willful noncompliance with federal law. 
I request that the CFPB intervene and ensure that Genesis Credit Management LLC ceases its unlawful collection activity and removes this fraudulent entry from my credit reports immediately. I have attached copies of the previous communication and my formal dispute for reference.

I expect a prompt resolution to this matter. Please confirm receipt of this dispute and provide an update regarding the steps taken to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple written disputes to XXXX, Equifax, and XXXX regarding incorrect, invalid, inaccurate, and potentially fraudulent information on my personal consumer credit reports with XXXX, Equifax, and XXXX. 

The responses from XXXX, Equifax, and XXXX clearly violated the Fair Credit Reporting Act ( FCRA ). There was either no proof of any investigation and no proof of any verification of the disputed items to conclude the items were " verified as accurate and should remain ''. I demanded proof and documentation of the investigation to verify these disputes items when I requested the items be removed from my credit report. I have sent multiple written disputes including challenging hard inquiries, collection accounts, charged-off accounts, late payments etc. The FCRA requires original documentation verifying these items belong to me and a signature which nothing was provided to me from XXXX, Equifax, or XXXX. I have not received any documentation to date from XXXX, Equifax, or XXXX that shows proof these accounts were authorized and signed for by me so the FCRA requires the credit bureau agencies to delete them. 

My information is as follows... 

Name - XXXX XXXX XXXX Address - XXXX XXXX XXXX XXXX NV XXXX SSN - XXXX DOB - XX/XX/1982 Phone - XXXX Email Address - XXXX Accounts I sent multiple written disputes requesting deletion of these accounts due to being inaccurate, invalid, and fraudulent are .... 

1 ) XXXX XXXX XXXX XXXX Charge-off XXXX  Credit Card XXXX XXXX 2 ) XXXX XXXX XXXX XXXX Charge-off XXXX Credit Card # XXXX 3 ) XXXX XXXX XXXX XXXX Charge-off Checking Line of Credit Account 4 ) XXXX XXXX XXXX XXXX Personal Loan Charge-off 5 ) XXXX Credit Card Charge-off 6 ) XXXX XXXX XXXXXXXX Credit Card Charge off 7 ) XXXX XXXX Credit CardXXXX XXXX Charge-off 8 ) XXXX XXXX XXXXXXXX XXXX Credit Card Charge-off 9 ) XXXX XXXXXXXX XXXX Credit Card Charge-off These accounts are listed on all three personal credit bureau reports each with XXXX , Equifax , and XXXX. I am requesting the CPFB assist me in working with XXXX, Equifax, and XXXX to have these accounts permanently deleted asap. 

Thank You for your assistance in this matter Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Hello, I filed a claim about a payment of {$1000.00} I XXXX with my bank US Bank. A friends XXXX account was hacked this hacked account said they were selling XXXX XXXX tickets. They acted like our friend, as soon as the money was XXXX  the person changed their contact information will XXXX. My sister also lost {$1000.00} to the same scammer. This happened in XXXX. Once we figured out we had been scammed we immediately contacted our banks and they were not of any help.
Product: Checking or savings account

I'm a biweekly paid client and my entire check is deposited in my account. I do overdraw my account but fees are still being added to my account. I have had fees added to my account and I can't afford to pay my other bills because Regions continue to keep adding these fees
Product: Vehicle loan or lease

Auto was repossessed on XX/XX/XXXX after contacting after GM Financial they would work with me as I communicated I could pay my normal payment but had no residual income for arrears. I was told not to worry they will work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to request temporary unfreeze in my online Equifax account : " ... unable to retrieve status of security freeze ... '' Customer service states that the system may be updating. This occurred at XXXX XXXX, middle of business day for over 1hour and counting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX  taking way to long over 30 days to fix a ftc claim XXXX
Product: Credit card or prepaid card

So my credit card with capital one is always due on the XX/XX/XXXX of every month but somehow they wait until the beginning of next month on the on the XX/XX/XXXX to add an interest in the Cash feed that to me seems a little sketchy when I have asked on numerous occasions came they change my due date to the beginning part of the month so that way I can factor and the interest rate and the cash advance fee and with my regular payment. And I asked for a copy of my new statement to be emailed to me the statement for XXXX for XXXX I was told I couldnt receive it via email last