23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from Midland Credit Management , Inc., dated XX/XX/XXXX, demanding payment of {$2000.00} for a debt related to XXXX XXXX XXXX  ( account number ending in XXXX ). I do not recognize this debt and believe that Midland Credit Management has failed to provide sufficient validation of this debt. 

Despite their claim that the debt was purchased on XX/XX/XXXX, I have not been provided with : XXXX. Proof of the original agreement or documentation showing that this debt is valid and belongs to me. 
XXXX. Evidence that Midland Credit Management is legally authorized to collect this debt. 
XXXX. A complete breakdown of the debt amount, including fees, interest, and charges. 

Additionally, the letter threatens legal action if I do not pay the debt by XX/XX/XXXX. These actions are causing unnecessary stress, and I believe they may violate the Fair Debt Collection Practices Act ( FDCPA ). 

I request CFPB to review this matter and ensure that Midland Credit Management , Inc. ceases all collection activities until they provide proper documentation verifying the legitimacy of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express unlawfully reported these accounts to my consumer report without my written permission also without advising me that they will disclose it on my consumer report. Nor did they give me a option to opt in or out of it being reporting. I was misadvised for their own interest. They have broken several of my consumer rights according to consumer laws. One law in particular that they broke was ... ... 18 U.S.C 1028A ( Aggravated identity theft ). Thats just naming one. I have written them several times about this unfair and unlawful treatment and nothing has been done. They have yet to send proof of how I owe this debt, instead they send a letter saying is verified. I did not ask them to use my personal information to verify these accounts but send me proper documentation that this debt is valid.
Product: Debt collection

Santander Consumer USA stated I am not in there system and they are not sure why I CONTACTED THEM SINCE THE DEBT IS SOLD. THIS NEEDS TO BE REMOVED FROM MY CREDIT IMMEDIATELY.
Product: Mortgage

Mr. Cooper received my mortgage loan payoff on XX/XX/2020. Mr. Cooper was paid {$2700.00} over the payoff amount. Mr. Cooper shows this amount as an " escrow other. '' Today, XX/XX/2020, per their phone rep from Texas ( XXXX ), refunds can take up to 30 days. XXXX could not tell me when I would get my money only that it was in-process. The last refinance I did took less than a week for settled funds to be returned to me. 

Mr. Cooper is keeping customer 's money much longer than necessary and this is an outrageous practice especially when compared to other industry practice. I continue to wait for my funds. 

I hope CFPB will this issue in case this is a trend by Mr. Cooper. Mr. Cooper should not enrich themselves by keeping their customer 's funds and earning interest of these funds for longer than is necessary. I think Mr. Cooper needs a friendly kick in the pants so the company understands it should return settled funds promptly. 

Thanks
Product: Credit card or prepaid card

On XX/XX/XXXX someone conducted a balance transfer from my Citibank credit card in the amount of {$7000.00}. And then apparently they tried another {$7000.00} balance transfer which would have put me over my limit and was rejected. I was notified of the rejection via email from Citi, which alerted me the successful fraudulent charge. I contact Citibank the following day. The representative filed it as a dispute, told me the charges would be removed in 2-3 business days. In addition, she re-numbered the account and sent me a new card. 

These two transfers were initiated by paper check, so apparently someone had gotten balance transfer checks that Citi endlessly fills my mailbox with. I asked the Citi rep to provide me with a copy of the check. She was unable to do so. Like literally, she couldn't access the check. She couldn't see who the payee was. She only had the same information I did : check number, date and amount. She gave me the phone number to Citibank Security Services. I contacted them, because the account had been closed/renumbered they couldn't access the information, and claimed once I received the new card and activated it they would be able to see the check. 

I received the new card and activated it on XX/XX/XXXX. On XX/XX/XXXX I checked the account online and the fraudulent balance transfer was still on my account. I contacted Citi again via phone and was told that the disputed charge would be removed within 2-3 business days. 

On XX/XX/XXXX I checked and the disputed charges were still on my account. I contacted Citi again as was told it would take 3-5 business days to remove the charges. At this point I pointed out that it had been 9 business days since I reported the fraud and I wanted the charges removed today. Citibank customer service is of no assistance at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this before and they are still insisting that information is accurate. 

In XXXX the company was not One Main Financial. It was Springleaf. I was not late with Springleaf. Their statement and response took place in XXXX. 
I had given them a check payment and wrong acct number was entered. So it came back. Then I replaced it immediately. I need them to show me written documentation that I was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONTACTED XXXX  TRANSUNION AND XXXX  IN AN ATTEMPT TO FIX FRAUD ACCCOUNTS ON MY CREDIT REPORT. THEY ARE REPORTING FRAUD AND INACCURATE ACCOUNTS ON MY REPORT HENDERING MY EFFORTS TO OBTAIN CREDITS. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX/XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX Inquiries XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks  and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Checking or savings account

Ive been a customer with Chase for a couple years. I have always been in good standing with Chase. A couple months ago, I unfortunately was a victim of a scam. The scammers had me deposit a check for around {$1500.00}. I realized it was a scam before I did anything else. I called the Chase Fraud Department and talked to them about my situation. I asked them to stop the faulty check. The fraud representative told me to wait until the check bounces and I should be fine. He told me I wouldnt be charged any fees or anything else. On XX/XX/XXXX I received a school loan check of {$6700.00}. I currently attend Arizona XXXX University. They told me it wouldnt go through until XX/XX/XXXX. On XX/XX/XXXX, which is today, I went to grab lunch at my local cafe and my card got declined. I called Chase and they told me my account got restricted and closed. They didnt want to me why it got closed over the phone. I spoke to a supervisor who told me the same thing and she said I shouldve got a notice yesterday. And to add to my confusion XX/XX/XXXX was XXXX XXXX and we dont get mail on XXXX XXXX so I checked the mail and there was no notice so I did not receive a proper notice at all prior to the closure of my account. I had {$260.00} in my account and now I wont have access to my funds in weeks. I called back to see what my options are to get my money as soon as possible ( the supervisor did not want give me any options to do so ) and the representative told me I could verify the check I got from school so they could release the funds to me in cash ( first representative told me I would have to wait for the check back in the mail ). 

Im assuming they closed my account because I had a fraudulent check bounce on my account 2 months ago. I was told I would be fine and I wouldnt be penalized but I feel like it was unfair for them to close my account and not give me any notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS RESPONSE IS IN REPLY TO TRANSUNION REPLY TO COMPLAINT # XXXX. TRANSUNION REPLY READS AS FOLLOWS, We have reviewed your complaint along with the information you previously provided regarding this issue. According to our records, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX investigations were initiated into XXXX of New Jersey # XXXX. In response to the investigations, the public record was verified and/or updated the accordingly. The results were forwarded to you for review. TransUnion has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United States Federal Bankruptcy Court, and is currently reported on your credit report as permitted by federal law. The Fair Credit Reporting Act allows : Bankruptcies to be reported for 10 years from the date of filing. However, it is TransUnions policy to report discharged or dismissed Chapter XXXX bankruptcies for seven years from the date the bankruptcy was filed. Voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. Therefore, as permitted under federal law, it will remain on your file until XX/XX/XXXX. 

HERE IS THE PROBLEM TRANSUNION REPORTING, NO COURT IS REPORTING THIS INFORMATION AND ON MY CREDIT REPORT IS DOES NOT STATE THE SOURCE OF THE REPORTING. TRANSUNION IS NOT DOING A INVESTIGATION WITH ANY ONE FROM THE COURTS. AND INVESTGATIONS MUST BE DONE WITH THE FURNISHER OF THE INFORMATION CLEARLY A MACHINE DID NOT ABTAIN PERMISSION TO ACCESS OR PUT ANYTHING ON MY CONSUMER FILE. THE FCRA MAKE IT VERY CLEAR ON THE CONSENT THAT IS NEED. UNLESS TRANSUNION HAS A JUDGE 'S COURT ORDER THEY ARE IN VIOLATION FOR PLACING UNAUTHORIZE ENTRIES ON MY CREDIT REPORT. 
I WILL SEE TRANSUNION IN A COURT OF LAW. I WILL COMMENCE LEGAL FILING FOR THE MULTIPLE FCRA VIOLATIONS. SEE YOU IN COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I requested a copy of my credit reports from XXXX, Experian, and XXXX   credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1.  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX or ( XXXX ) XXXX {$680.00} XXXX
Product: Debt collection

I 've received a letter from Midland Credit Management regarding a payment offer, which is dated XXXX/XXXX/XXXX. Prior to this, I was unaware of any collections lodged against me by Midland Credit Management until I received this letter. I then ordered copies of my credit reports and noticed that Midland Credit Management has an account on each credit bureau 's report and the information contained within each report concerning Midland Credit Management varies from bureau to bureau and therefore, is inaccurate. 

On the XXXX report, the 'original lender ' is reported as Midland Funding Llc and the 'date assigned ' is listed as XXXX, XXXX. However, this is inconsistent with the XXXX and XXXX credit agencies ' reports which lists XXXX as the 'original lender ' with a 'date assigned ' as XXXX, XXXX. The account number is omitted from the XXXX report and the account number is encrypted in XXXX and XXXX reports. 
I have never personally opened an account with Midland Credit Management, nor have I ever accepted any extension of credit from Midland Credit Management, and I have never done any business whatsoever with this company. 

By reporting to the credit bureaus as the 'original lender ', Midland Credit Management is in violation of the Fair Debt Collections Practices Act ( FCDPA ), and my rights as a consumer, to fair and accurate information furnished to the credit bureaus, which is then reported to my credit file and contained within my credit report. Further, Midland Funding listing itself as the 'original lender ' on my credit reports is a misrepresentation of the facts, as it is not the 'original lender ', but a debt collection agency. According to the FCDPA, " the use of any false representation or deceptive means to collect or attempt to collect any debt '' is abusive and is prohibited by debt collectors such as Midland Credit Management, Midland Funding, et al., that lurk as original lenders or original creditors.
Product: Credit card

On XX/XX/XXXX, I applied and got approved for a Citibank business credit card with a sign up bonus offer of XXXX XXXX XXXX miles upon spending $ XXXX within the first 5 months. I completed the required spend on XX/XX/XXXX. To date, I still have not received the bonus miles. 
I called Citibank on XX/XX/XXXX and XX/XX/XXXX and was transferred to XXXX different people with a lot of frustration and no resolution. They kept citing an erroneous reason as to why I was not awarded the bonus miles, stating that I had already opened a Citibank business credit card before in the last XXXX  months, which is not true. When I asked to verify that account number of the prior credit card they were referring to, they gave me a credit card account number which solely belongs to my wife for her own separate business ( XXXX XXXX ). They did acknowledge that that credit card was my wifes alone, and not mine, and that I have never been an authorized user of that account. 
I finally asked to be transferred to a supervisor named XXXX. I told her I have screenshots of the terms of the offer when I applied for the credit card. She acknowledged all the above information, and said she would send me an email within XXXX hours. This was on XX/XX/XXXX. I still have not received an email, and I still have not received my bonus miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance listed is incorrect along with incorrect reporting. Delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this follow up complaint to once more for a reason that am still seeing these accounts in my XXXX and TransUnion credit file. And it was already making me anxious as even how many times I am requesting the XXXX and TransUnion Credit Bureaus to investigate and rectify the inaccuracies associated with these accounts, they persist in displaying the wrong status. And this blatant disregard for accuracy has unjustly tarnished my credit standing and scores. I have made my decision, and it's high time the XXXX and TransUnion Credit Bureaus to REMOVE these specified accounts from my credit file : XXXX : XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX XXXX Date opened : XX/XX/XXXX Balance $ - TRANSUNION : XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX  XXXX XXXX opened : XX/XX/XXXX Balance $-
Product: Debt collection

Performant XXXX has called me multiple times the latest was on XXXX17 at  XXXX. Claims to be a debt collector for the Treasury Department, with some claim that I owe $ 120+ to the Treasury Department for some VA ( Veterans Administration ) care.

That is impossible because I am an Unemployed XXXX XXXX, that does not have to pay any debts at the VA! I have limited means. I do not know what the claimed cost occurred from, nor am I going to pay for something I did not authorize or receive!
Product: Credit reporting, credit repair services, or other personal consumer reports

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: Debt collection

Last reported XX/XX/XXXX Opened XX/XX/XXXX ( XXXX mos ) XXXXXXXX XXXX Has an Open Balance- {$450.00} Iam the origanal creditor I was wrongly misrepresented as the natural being of this Matter this matter is also outdated from occurred.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Last 4 digits of XXXX : XXXX RE : Account Number : XXXX To whom it may concern, I am writing to address the subject of the aforementioned accounts and transactions. 
As you are aware, the vehicle in question was repossessed by Auto Advantage Finance in the State of XXXX XXXXXXXX on or about XX/XX/XXXX, and subsequently resold on XX/XX/XXXX. 
It is imperative to note that in accordance with the laws of the State of Oklahoma, specifically UCC 2001 Title 12A, as well as State RISA and MVISA statutes, a deficiency claim can not be valid unless all required notices were duly provided in a proper and timely manner. Additionally, strict adherence to the allowable redemption and cure time limits is required for such a claim to be legitimate. 
I hereby request that you provide me with copies of the legal notices pertaining to the repossession, as well as evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. 
Failure to furnish the requested proof within 14 days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reporting this unsubstantiated claim on my credit reports will be regarded as a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Furthermore, I wish to remind you that non-compliance with the aforementioned requests may result in my pursuit of legal action and seeking damages against all parties involved, in accordance with all available State and Federal statutes, as well as UCC 9 remedies. 
I expect a prompt response to this matter, and I thank you for your attention to this concern. 

Sincerely, XXXX XXXX
Product: Mortgage

My home was robbed in XXXX when my Mortgage company was XXXX XXXX. I replaced all of the items in my home per my agreement with XXXX. An insurance check was sent to XXXX reimbursing me for all funds spent which was over {$11000.00} dollars. XXXX was evacuated due to the California wildfires so my check was never processed. XXXX sold my mortgage to XXXX XXXX without my knowledge. XXXX XXXX  received the insurance funds. Midland was to apply the insurance funds to the arrears since the inspection is complete and all paperwork has been provided. However, I am being threatened with foreclosure still and they have not applied the funds. I am being referred to foreclosure today XX/XX/2018 even though HUD has told them not to put me into foreclosure. The funds have still not been applied and they have still continued to charge me late fees.
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. 



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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Following court ordered Mediation for their failure to submit a legal response nor defense, Capital One has ignored NYPD Complaint Report Number:XXXX XXXX XXXX XXXX XXXX : # XXXX , continuing to hold deposits into the OPEN bank account # XXXX as recently as XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute a unauthorized inquiry on my report and they asked for a letter that Ive sent out to get things taken off and they never received it somehow. They revert me to capital one where i got the inquiry from and capital one tells me to call XXXX to get the inquiry removed and XXXX tells me to call capital one. Its a cat and mouse game with them and they wont just remove my inquiry off my report no matter what i do.
Product: Debt collection

I have been a victim of identity theft. I had the finance department at my previous college known as XXXX XXXX, send my information and debt I owe XXXX XXXX, to a collections company, which I DID NOT AUTHORIZE!!!! ON top of this, I have been making payments on the account, and I have proof of my doing so!!! Also, when I log into the school account, my balance shows as XXXX dollars and some change, not {$5100.00}, as the debt collection letter states. The lady named XXXX XXXX at XXXX XXXX, shared and exposed my information to a company that I do not have any OBLIGATION or contract to/with, so I will be getting an attorney involved. I also need the debt collections company to remove my information FROM THEIR RECORDS ASAP, or I will be SUING!