23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After my first complaint and attempt to collect all the verification documents I requested, this is my second attempt. I want All the documentation I requested including the signed purchase agreement between them and the original creditors, not just the documents they feel like sending. Attached is a copy of the letter they will be receiving
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 so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions IdentityTheft Affidavit . 
Please delete these items as soon as possible : I noticed this problem in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint against Midland Credit Management located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, concerning their ongoing attempts to collect an alleged debt, which they claim I owe. This complaint is prompted by multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) that I have experienced. 

Details of the Issue : Account Information : The alleged debt pertains to XXXXXXXX XXXX, with the account number ending in XXXX. 
Initial Contact : I was first contacted by this agency on XX/XX/year> and I received communications claiming that I owe a debt of {$3700.00} Request for Verification : On XX/XX/year>, I sent a formal request for the verification of this debt to the collection agency. This request was made in accordance with the rights granted to me under the FDCPA, specifically under 15 U.S.C. 1692g.

Lack of Response : Despite my clear request for verification, [ Collection Agency 's Name ] has failed to provide any documentation or proof that substantiates their claim or their authority to collect this alleged debt. 
Additional Transfers : Subsequently, the debt was transferred to another agency, XXXX XXXX XXXX, XXXX and then returned to Midland Credit Management. Neither agency has provided the required verification. 
Cease and Desist : I have sent a cease and desist letter on XX/XX/year>, instructing the agency to stop all communications except to notify me of their legal actions. Despite this, the attempts to collect the unverified debt continue. 
Violation Claims : Failure to Provide Verification : The agency has not suspended collection activities nor provided the debt verification as required by the FDCPA. 
Ignoring Cease and Desist : The agency has disregarded my cease and desist request, which further violates the FDCPA. 
Impact on Me : This situation has caused significant stress and inconvenience. The actions of Midland Credit Management have made me feel harassed by the calls and have invaded my personal peace, all while they have not proven that I legally owe the claimed amount. 

Requested Actions : I urge the CFPB to investigate these violations and to enforce appropriate penalties against Midland Credit Management. I also request help in ensuring that this agency complies with the FDCPA by providing the necessary verification or ceasing collection if they can not prove my obligation to this debt. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

Since XXXX, we have been asking American Home Mortgage Servicing , Inc, now known as Homeward Residential ( servicer prior to Ocwen ), to provide evidence that XXXX XXXX Bank, XXXX as trustee for Option One Mortgage Loan Trust XXXX was the owner of the note. Each time they sent us a copy of the note, it never included an allonge. But in XXXX, AHMSI presented an allonge that was blank and a later allonge that was stamped. Once Ocwen became our servicer, we asked Ocwen to validate the debt. In a response from Ocwen, Ocwen states that they " would not be able to provide us with the original wet ink signature loan documents '', but an attorney for Ocwen claims to have the original wet ink signature loan documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

FAILURE TO LEGALLY VERIFY I SUBMITTED NOTARIZED DOCUMENTATION REQUESTING VERIFICATION ON THE DAYS OF : XX/XX/21 - ( XXXX ) CERTIFIED MAIL XX/XX/21 - ( XXXX ) CERTIFIED MAIL RESULTS OF BOTH INVESTIGATIONS CAME BACK AS VERIFIED WITH NO DOCUMENTATION PROVING OWNERSHIP
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach settlement I applied for the settlement amount credit freeze and never received any settlement check
Product: Credit card or prepaid card

I was approved for a Bank of America secured credit card and never received it after my deposit was withdrawn. The manager XXXX XXXX was very rude and was not helpful. Also the claimed I didn't receive the card because my account was overdrawn which it wasn't and I had BOA customer service rep verify and I was still denied after been told I was approved. This was an hard inquiry accrued on my account for nothing. WORST CREDIT CARD COMPANY EVER!!!
Product: Mortgage

NOTABLE INFORMATION : VA 30 YEAR FIXED LOAN. XXXX PROPERTY TAXES ( I AM EXEMPT ). XXXX XXXX PAID VIA ESCROW. 

IN XXXX OF XXXX I SUBMITTED VIA MY ONLINE PORTLE MY TAX EXEMPTION PAPERWORK FROM XXXX XXXX OF XXXX. 

IN XXXX OF XXXX FREEDOM MORTGAGE PAID OVER {$5700.00} IN " TAXES OWED '' TO THE CITY OF XXXX. 

AFTER HOURS ON THE PHONE WITH BOTH THE CITY OF XXXX AND FREEDOM MORTGAGE IT WAS FOUND THAT THE CITY TREASURY SHOULD NOT HAVE REQUESTED PAYMENT. 

FREEDOM MORTGAGE WAS MADE AWARE OF THIS. 

FREEDOM MORTGAGE THEN PAID A HOMEOWNERS INSURANCE PRICE RATE INCREASE WITHOUT MY KNOWLEDGE ( XX/XX/XXXX ). I WAS ACTIVELY IN CONTACT WITH XXXX XXXX INSURANCE ATTEMPTING TO RESOLVE THIS ISSUE MYSELF AS FREEDOM MORTGAGE SENT THEM FUNDS. 

MOVING FORWARD, IN XXXX OF XXXX I RECEIVED A NOTICE THAT MY MONTHLY MORTGAGE WOULD INCREASE BY {$750.00} PER MONTH. ONCE I SAW THE NOTICE ( XXXX ) I CALLED AND ASKED WHY. IT TOOK OVER XXXX HOURS OF GETTING TRANSFERRED AROUND BEFORE SOMEONE COULD EXPLAIN WHAT HAPPENED. 

IN AN EFFORT TO NEVER HAVE THIS ISSUE AGAIN, I REQUESTED TO HAVE MY ESCROW ACCOUNT CLOSED ( XXXX ). THIS REQUEST WAS DENIED WITHOUT ANYONE EVER INFORMING ME. 

ON XXXX XXXX FREEDOM MORTGAGE SENT ANOTHER {$2400.00} TO THE CITY OF XXXX FOR TAXES OWED. 

XXXX XX/XX/XXXX I RECEIVED A NOTICE OF THIS ADDITIONAL TAX PAYMENT OF {$2400.00} ( IN WHICH I AM EXEMPT AND FREEDOM MORTGAGE HAS BEEN MADE AWARE OF MULTIPLE TIMES ). I WAS ON THE PHONE FOR OVER XXXX HOURS AND NEVER ABLE TO TALK WITH SOMEONE ABOUT CANCELING THE CHECK THAT WAS SENT ON THE XXXX OF XXXX AND CLOSING MY ESCROW ACCOUNT. 

FREEDOM MORTGAGE HAS MISMANAGED MY ESCROW ACCOUNT IN THE AMOUNT OF APPROXIMATELY {$10000.00} IN 90 DAYS!!!!!! THEY HAVE INCREASED MY MORTGAGE APPROXIMATELY {$750.00} A MONTH!!!! 

WHEN I ASK TO SPEAK WITH A SUPERVISOR I AM TOLD THAT I WILL HAVE TO GET A CALL BACK. I HAVE ASKED FOR CONTACT NAMES, ID # S, EMAIL ADDRESSES AND PHONE NUMBERS AND I WAS DENIED MULTIPLE TIME. THEY WOULD ONLY PROVIDE ME THE STANDARD 1855 NUMBER AND THE FIRST NAME OF SUPERVISORS. WHEN I REQUESTED FULL NAMES AND ID # S THEY WERE EVENTUALLY PROVIDED HOWEVER EMAIL ADDRESSES AND DIRECT CONTACT PHONE NUMBERS WERE DENIED ON MULTIPLE OCCASIONS. 

THIS IS COMPLETELY UNACCEPTABLE. THIS IS MY ACCOUNT THAT THIS COMPANY IS USING TO EXTORT ME TO THE TUNE OF {$10000.00} AS THEY SEE FIT. I HAVE NO CONTROL OVER MY OWN ACCOUNT WHICH IS COMPLETELY UNACCEPTABLE. I WOULD LIKE THIS RESOLVED, TO BE REIMBURSED, AND FOR MY ESCROW ACCOUNT TO BE CLOSED SO FREEDOM MORTGAGE CAN NEVER DO THIS TO ME AGAIN. 

IF THE INTEREST RATES WERE LOWER I WOULD BE REFINANCING IMMEDIATELY.
Product: Checking or savings account

I have a checking and savings account with Bank of America. I started this account in XXXX and as per the agreement I was supposed to transfer XXXX dollars to my savings account to avoid any maintenance fee, however, in XXXX it looks like they changed the policy without informing me. and now I am charged with a monthly maintenance fee of XXXX dollars dating back from XXXX. I have the document that says I can avoid the monthly maintenance fee if I make a monthly automatic transfer of {$25.00} or more from the checking account to the savings account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Credit Reporting Agency Subject : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX XXXX Charge Off account that was previously reported on my credit report on Equifax. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights. 
I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance.

Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe.

I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged do to lagged posting of charges and credits. This issue aligns with the recent CFPB against Navy federal for similar practices where transactions were settled with insufficient balance despite initially available funds. I know Ive had account since 2017
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against the three major credit bureaus : Equifax, Experian, and TransUnion. My grievance stems from their continued noncompliance and civil negligence under the Fair Credit Reporting Act ( FCRA ), particularly section 1681-O, which necessitates the civil liability for willful noncompliance. 

I have faced several issues across different dates when I attempted to dispute inaccuracies on my credit reports. The specific dates of my disputes are as follows : XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX CAPITAL XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$950.00} XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Despite providing all the necessary documentation and clear evidence, each of these disputes was met with either inadequate or no response, reflecting a severe lack of due diligence and negligence on the part of these credit reporting agencies. Such lapses have consequently resulted in significant impact on my credit standing, causing substantial harm and financial distress. along with my information being breached with Equifax.

In compliance with the FCRA, I seek the support and intervention of the CFPB to hold these credit bureaus accountable for their continued negligence. It is imperative that these bureaus adhere to the standards set forth by the FCRA, ensuring accuracy, fairness, and privacy of consumer information. 

I kindly request the CFPB to investigate this matter at the earliest convenience and take appropriate actions to address these grievances. Additionally, I seek redress for the damage inflicted due to their noncompliance and negligence. 

Please find attached copies of my correspondences and evidence submitted during my disputes, which can provide further context and substantiate my claims. 

Thank you for your attention to this matter, and I hope for a prompt resolution with your esteemed office 's involvement.
Product: Debt collection

There are two debts showing on my credit report with Portfolio Collections, account no. XXXX for XXXX XXXX XXXX and account no. XXXX for XXXXXXXX XXXX. I was contacted by this agency and was told I owed these debts but could not be sued. After trying to receive information to verify ownership pertaining to these debts, with no success, I filed a dispute wih the 3 credit bureaus. The agency did whatever they needed causing no change with the credit bureaus. After receiving additional calls from this collection agency I wrote a letter requesting verification of this debt with my signature to confirm these credit defaults. I give the collection agency 30 days to gather information with my signature to prove ownership. In or around 20 days later I received a statement ( that was not familiar to me ) for XXXX XXXXXXXX XXXX but no actual signature verification. I did not receive anything regarding the second account XXXXXXXX XXXX 
I am asking for this information to be removed from my credit report or produce verifiable information with my signature. I would appreciate your assistance in bringing this matter to a resolution. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX XXXX P.S. I have attached the dispute letter sent by XXXX XXXX and the respose sent by Portfolio
Product: Credit card or prepaid card

Chase Bank, in retaliation against my filing a complaint ( XXXX ) against it, responded to my request for recent statements never received, sent me copies of two statements that were reduced in size by XXXX. It is impossible to read a statement only XXXX of the normal size. Even wearing reading glasses, I can not read the tiny print. Furthermore, this is Chase Bank also acting in a discriminatory manner against the elderly, of which I am one. It knows my age and purposely sends me an unreadable very small image of a statement. It is impossible for me to reconcile these two statements because of their tiny size. Chase Bank purposely utilizes this deceptive and criminal tactic not only to harass me, but also to be able to continue to add on late fees and interest charges. I can not, and will not, pay anything until I can confirm the validity of all charges. I have voluntarily refrained from using the credit card, and will not do so unless and until I receive legible statements AND all fees and interest are removed IN FULL Billionaire XXXX XXXX is negligent in running Chase Bank and fails to stop its abuse of the American public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because one company placed a mark on my credit report which I wish to dispute. Please let me know how I owe you money since I have never heard of your company before. I dont recognize this debt and even if I do owe it, I certainly dont owe this much. There must be some kind of error in your calculations. Please provide me with proof that I owe this debt and who owns the debt that you say that I owe. 
I demand that you contact the credit bureaus and let them know that I dispute this debt. I hereby insist that you stop all attempts to contact me by telephone. Also, send me copies of what you send to the bureaus when you notify them that I disputed this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to display inaccurate information on my credit report. specifically stating my employer is XXXX XXXX. I have disputed this information multiple times. Every time Transunion comes back with some bogus excuse. This time they said that my dispute was illegible. How can it be illegible when it was typed. A copy has been attached to this complaint. Also a copy of the bogus letter the sent me is attached.
Product: Student loan

Younomics is charging what I think is illegal interest. My initial loan amount was XXXX. The finance charge from the Truth in Lending statement show XXXX. However, the finance amount doubled. I have documentation that I plan to mail the IRS fraud department. The principle amount on the loan never decreases. I have XXXX XXXX dollar loans. XX/XX/XXXX, I paid over XXXX dollars in payments. The total principle amount never changed from XXXX. The XXXX sent by the loan servicer showed less then XXXX XXXX dollars in interest payments, which is incorrect. The company did not allocate money toward principle, and the XXXX they issued misrepresented the actual amount I paid toward interest. 

I am an Accountant. I have been keeping track of my payments, and documenting Younomics interest fraud. My monthly payment per loan is XXXX dollars. There is a XXXX dollar late fee, if payment is late. The principle amount never decreases. XX/XX/XXXX, there statement show interest accrued XXXX, plus XXXX late fee. However, they charged me XXXX under the title " current amount '', The amount of XXXX is applied toward the past due balance of XXXX. The principle remains XXXX. If the XXXX current interest accrual is not paid, then it is also added to the past due amount. Every month there is additional amounts added to interest that 's not justified by contract terms. The statement show interest rate is 10.5 percent. 

Please investigate this company. I am sure there financial statements and tax returns are fraudulent. I have my original Truth in Lending statement, and I am sure I have the contract also.
Product: Credit reporting or other personal consumer reports

The credit companies are not complying with their own policies in a timely manner and not accurately.
Product: Credit card or prepaid card

Ive been having issues with a new policy that apparently Capital One has instituted regarding crediting payments to my credit card I hold with them. I actually do most of my banking with Capital One which is why it is even more baffling. My habit ( which hasnt changed since Ive gotten the card - there is no new behaviors ) is to make my day to day purchases with my Capitol One Quiksilver Mastercard and pay them off as the pending charges come through- which I monitor through the app. The app is a Capitol One product which links all the accounts I hold with them together. It was a seamless process- to pay my card and to pay my car loan. In the last month Ive had to call them 2-3 times regarding issues for my accounts being flagged. No fraud was committed or reported. 
Right now I have a XXXX balance on my credit card - I actually believe that once it all clears up they will owe me XXXX dollars or so. Today I was on the phone with them to try to fix this issue- they are holding two of my payments for 26 days to guarantee the funds? How is that possible or even legal? Honestly at this point I want to zero out my account and cancel due to this new policy. The only reason I have a XXXX credit line with them is that they are holding the payments. As I had pointed out to them via the phone call, XXXX and XXXX - checks clear in 5-7 business days. I pay them directly from a Capital One account to a Capital one account yet there is some reason my funds are in question? They also claim that there is no way / or that no person has the authority to release this hold- which I find baffling. In doing this they are creating a tangle of financial problems for me- as I have to shift any accounts associated this card to other places. 
The only explanation they give me is that there is a new policy in place. 

Also its not for all payments - its Just random ones they pick and choose to flag. There have been other payments made an accepted after the first hold was placed. If there is a problem it should be with all payments not just one here or there that foul up the whole system. That problem should be able to be addressed and corrected- not just shuffled off. 
I spoke with them today on XX/XX/2020 @ XXXX am - then also contacted them via XXXX and XXXX.
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 these charges or open the accounts that are on file. 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 Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hinder me from moving forward in my life. It is my aim as the head of the household to get a house for my family in the near future and continue to lead as an example for my loved ones.
Product: Checking or savings account

I have filed a dispute with XXXX and PNC Bank in regards to consultation services never received by a company called XXXX XXXX in the amount of {$160.00} for a transaction that ocurred on XX/XX/2023. I sent XXXX copies of the email showing that I paid for a service. I also included a note via XXXX with the purpose of my payment. I disputed the transaction after not receiving service. I called PNC bank after XXXX failed to assist in this matter explained to PNC that paid {$160.00} for counseling services never received. I have tried to reach out to the Seller via email but received no response. XXXX has failed to provide the XXXX XXXX as promised for transactions that take place on their platform.. I appealed their decision and still have not received funds. I reached out to my bank PNC in regards to this matter and received no assistance. I am willing to go to my local police dept and contact my attorney regarding this matter. As a customer, I am very disappointed that XXXX and my bank-PNC has failed to protect my money. They have offered no support regarding this matter. I have been scammed by a XXXX XXXX  and my financial institution failed to assist in this matter after explaining and sending in proof of emails and receipts to support my dispute.