23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I sent a letter to Midland Credit Management , INC requesting validation of the debt they claim I owe. 

On XX/XX/XXXX dated XX/XX/XXXX I received a letter from Midland Credit Management XXXX INC stating that they opened an investigation regarding my dispute, and was awaiting additional documents from the seller and it could of taken up to 90 days. 

On XX/XX/XXXX I sent a letter to Midland Credit Management , INC stating that by not replying in a timely manner to my initial letter on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

On XX/XX/XXXX I sent a letter to Midland Credit Management , INC stating that by not replying in a timely manner to my initial letter on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

On XX/XX/XXXX dated XX/XX/XXXX I received a letter from Midland Credit Management , INC stating After reviewing the information I provided, their account notes, and information provided by the previous creditor, they concluded the information their information is accurate. 

Midland Credit Management , INC in violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was divorced in 2009. Mortgage granted to my ex. quit claim turned over interest of the property to him. Property has been in and out of foreclosure for 12 years. No papers, modifications or financial info given or signed by me. Loan went from XXXX to XXXX within that time. I just want it removed from credit and a release of liability done. I have called the mortgage company repeatedly thru the years asking them to foreclose. they disregarded them all. and now my financial responsibility with this matter has doubled even though I have agreed to nothing and signed nothing. It is finally foreclosed on and they have nothing further to gain from me. SEE the email below that I sent to them asking for them to ethically make this right. This is the resolution I am looking for. MORTGAGE Servicer XXXX XXXX XXXX XXXX original mortgage XXXX XXXX property.
Product: Debt collection

I sent a debt validation letter to the collection agency, requesting that they provide documentation, including contracts and agreements with my name on them, proper identification, and the signed agreement that establishes this debt belongs to me. Despite my request, the collection agency has failed to respond and provide the necessary documentation to validate the debt.
Product: Credit reporting or other personal consumer reports

I decided to contact the furnisher and the credit reporting agency in regard to my credit report. After I received no resolution, I filed a CFPB complaint # XXXX and after no resolution I filed complaint # XXXX. The credit reporting agency is being monetarily compensated and thus refuses to provide me with validation of the debt of the US DEPT OF EDU/XXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and the process used in such validation.
Product: Mortgage

Incorrect loan amount appears on credit report, no reports of paying on time for last 4 years, no payment of interest on money when payment held in suspense, generating false payment reports than regular payments of loan
Product: Debt collection

I had a collection show up on my credit report that should not be there. I spoke with Hunter Warfield about a debt of {$1000.00} from XXXX XXXX XXXX. That is our old apartment complex but was never told that there was an amount due and all of a sudden it showed up on my report. We left the complex on good terms and now I am getting multiple calls a day from them in Florida demanding payment and threatening to notify my work that I have this collection.
Product: Credit card or prepaid card

I made a purchase at XXXX department store in XX/XX/2022 for {$82.00}. I paid the bill through my online bill pay with XXXX bank. XXXX cut the check and mailed the payment on XX/XX/2022. Comenity bank claims they didn't receive the payment until XX/XX/2022 which resulted in a {$29.00} late payment. I contacted comenity protesting such a large late fee and questioned whether they actually received it late. I received to satisfaction I reluctantly paid the late fee which was processed by XXXX and mailed XX/XX/2022. This time comenity claims to have received the check XX/XX/2022 resulting in another late fee of {$29.00}. I contacted comenity in writing and questioned why the delay in their processing the check from XXXX. They responded with the attached letter on XX/XX/2022. In the meantime they continue to charge late fees upon late fees. See attached printout. This is exactly why the CFPB is established for. This is not a matter of a consumer refusing or being able to pay a debt. It is a theft by an institution against a consumer.
Product: Checking or savings account

on XXXX XXXX XXXX I filed a dispute with cash app and XXXX XXXX, I had funds debited from my XXXX XXXX  via cash app and sent to another cash app which was unauthorized, I filed a dispute claim with XXXX  which XXXX denied the claim and told me to file the claim with cash app because they have no recourse on funds sent via cash app even if it was done without my authorization, I filed the claim with cash app and was told that my dispute was denied because the transactions happened before my phone was stolen, I need the correct documentation cash app and XXXX  both used to investigate my claim, I also need my funds which were taken from me without my authorization transaction amounts {$190.00} {$200.00} {$290.00} {$300.00}
Product: Mortgage

The website is in perpetually not working. I cant get any info on my mortgage loan. 
I cant even provide my account number for this complaint because I cant access my information. 
I have had this problem repeatedly, over and over, and it is pervasive. When I call, they say the site is being worked on. This is UNACCEPTABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I still have not received the correct respond yet. I have asked numerous times for your company to send verifiable proof which is an ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT!! I feel like I am being taken advantage of and being ignored of my disputes. Section 611  ( a ) it is stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigations due to the stress you have cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically The Problem Is I Have XXXX XXXX Account. I Frequently Use It With XXXX. My Credit History Is Not Reporting XXXX XXXX On Any Of The Bureau 's, Every Credit Company That Has Statement Dates So On And So Forth Needs To Be Reported Immediately, This Is Something That Needs To Be Shown And Not Hidden. Please Thank You, It'll Be Greatly Appreciated. Failure To Report My Statements Is A Very Serious Problem
Product: Money transfer, virtual currency, or money service

Not sure if this is the right place but I have XXXX investments purchased through Cash.app. I am trying to get them to send me my year-end documents. On their website it allows you to " try '' to download the XXXX XXXX file but I can't there is an issue on their end and it won't download. I have contacted them every day for the past month and they just send me back a " canned '' answer on how to download but it does not work. I can't file my taxes without knowing the basis of my purchases and they should be required to give me this info but they are refusing to address an issue so I can get it.
Product: Vehicle loan or lease

I had a loan thru united finance as of XX/XX/XXXX -- a little after I received this loan I had to go out on short term leave, where I was only receiving 65 % of my pay and I was getting garnished also so I was receiving only 300-400 dollar checks I informed XXXX of my hardship an he did not offer no help just waived a late fee -- My garnishment should of ended XXXX. My XX/XX/XXXX payment I had planned on paying this on XXXX but I ended up getting garnished which caused me to be short, I advised this to the company letting them know I would have to wait for a refund from the company who took money- Ufortunatley I got garnished again on my next pay period in XXXX XX/XX/XXXX, my employer told me I would get that money back in 1-2 pay periods. 
I was only 30days when they took my car on XXXX I finally got all the refund by XXXX but by then I was advised I would have to pay {$1300.00} in cash to get my car, which is way more than 2 payments. 
This company advertises on the they help and I was offered nothing in my financial hardhsip
Product: Credit reporting or other personal consumer reports

I have a couple credit cards with Capital One, and Capital One is not reporting my on time payments to the credit bureaus even though they have posted to the accounts. Because of this, my credit scores are lower than what I believe they should be.
Product: Debt collection

I called Convergent Outsourcing on XX/XX/23 to request a settlement on my XXXX XXXX  which I show on my credit report and also on my last bill the balance is {$1500.00}. At that time I was told the balance was {$1700.00} which I stated was incorrect but was told that is what they show that was sent to them by XXXX. I disagreed and later emailed them and asked them to send me proof of the debt. Although I requested this information in XXXX I just received the documentation on XX/XX/23. I have attached pictures where they show the same bill balance of {$1500.00} not {$1700.00}. I want to know where the difference of {$270.00} is coming from and so far they are not able to prove to me that I owe that difference. I feel that I shouldn't have to pay anything that you can show me that I owe even after asking them to provide me with proof.
Product: Credit reporting or other personal consumer reports

Credit bureaus did not do a complete investigation which requires them to send me proof of verification of any debt or collections showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I never opened. I've sent dispute letters in the past and have been having a hard time getting everything removed. Please remove these accounts as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me fix this issue with Experian. I am attaching all documents with descriptions. No third party assistance was needed for this
Product: Mortgage

Summary - This complaint is regarding Bank of America home mortgage online pre-qualification request as being intentionally misleading. 

Background - I applied for a pre-approval on BOFA website on XX/XX/2018 with following details - 1. Loan amount of $ XXXX 2. Down Payment of $ XXXX ( ~7 % of loan ) 3. Zip Code XXXX 4. Co-applicant with me and wife.

5. Primary Residence 6. Score estimated - 700-739 ( My email ID is the PDF for you to be able to identify my specific request. I spoke with XXXX as my loan officer ) In response on online application, Bofa website indicated below details for me - " Your APR for a {$590000.00} loan could be as low as 4.059 % ''. The loan estimate also clearly states - " This rate and pricing information is based on your credit scores and assumes you're making a {$45000.00} down payment and using your loan to purchase a {$640000.00} townhouse ( single unit ) in the XXXX area to be used for primary residence. '' See attachment for the details. 

The loan officer then called me and i only agreed to proceed because i was expecting to be qualified around the low interest rates they indicated and the down payment of ~7 % as i indicated in the questionnaire. The loan officer ran a hard credit check and confirmed that he can only pre-approve me of $ XXXX with a down payment of $ XXXX. In our conversation, he did confirm that the loan pre-qualification was based on the low down-payment amount and not credit history. The loan officer also mentioned that there were other attributes in play, but would not confirm what they were and how they differed from questions I answered online. 

I would not have asked for a hard credit check and hurt my score if the website would not have mislead me into believing i would be approved on for a higher loan limit with less than a 10 % down payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I wrote a letter to the credit bureaus about few items that I seen on my credit report. all my letters that I sent out was certified so I can keep up my documents. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is crazy and outrageous that these credit bureaus are putting these items on my report like this and I don't appreciate not one bit. It's effecting me to a point that is making it hard for me to get approved for a mortgage so I can get my family a house.
Product: Debt collection

This company while in contact with me went behind my back and set a court date when they already were speaking with me and were provided continued proof of receipt of government assistance. I asked them not to contact me or my work unless about settlement because they were so unreasonable and making the debt amount so high that I felt like ending my life. I have XXXX kids I can barely provide for. They made my employer with their garnishment threats treat me like garbage. This company is greedy has no regard for human life. They constantly set court dates and provide outrageous attorney and interest and other charges to make money of people that don't have any. It's disgusting. Tell my children why you won't settle for half of original apparent amount and why you threaten people when they are not able to fight back.
Product: Debt collection

I was contacted by a company calling themselves XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Also, by someone from the number XXXX claiming to represent that company as being an officer and that I would be subject to defrauding a bank over an installment loan from Advance America. That they were legal advisors and make recommendations. They threatened to come to my house and my work and have me arrested for bank fraud. They refuse to put anything in writing and I did make one payment to them out of fear. I do owe a debt to Advance America.
Product: Mortgage

I approached Quicken Loans to take advantage of their refinance offer but at the end, Quicken could not offer a better interest rate than my current one ( 4.625 % ) and wanted to charge {$6000.00} in closing costs. Why would anyone trade their current mortgage for another with the same terms in exchange for a hefty fee? The Quicken Loan rep insisted that this was a good deal, which it isnt, and I feel Quicken Loans is trying to take advantage of me because Im a senior citizen. They made false promises of a lower rate that simply could not deliver, and are marketing these refinance loans to cash in on the closing costs without offering anything or value in return. Its a scam on the elderly.
Product: Debt collection

Same problem as was on XX/XX/2022 complaint. Attempting to collect debt on a home phone account that was closed, but they kept billing me for 4 months despite the closed account & disconnected phone. 

Went through this with XXXX  XXXX  & XXXX in XX/XX/2022. Transworld Systems Inc bought XXXX  & is now reviving this wrongful debt. 
Thanks, XXXX XXXX
Product: Credit card

I contacted American Express on the evening of XX/XX/year>, because after my audit of my most recent statement I caught XXXX purchases that I was not rewarded the points for. Upon the agents response was even through they sell gas their primary business is a store which is why you are not rewarded. So their terms and conditions does not clearly state that the fuel purchases made at convenience stores does not count towards the full XXXX points for fuel purchases. 
BAIT AND SWITCH
Product: Credit reporting

Our XXXX Mortgage XXXX primary ) was paid in full when we sold our home in IL in XXXX. We have the settlement letter from XXXX Bank for our primary mortgage and XXXX shows it closed and paid in full but TransUnion still shows it open - no late payments as wel as no payments since XXXX which makes no sense!
Product: Credit card

Chase Cards arbitrarily cut my credit limit on XXXX cards, XXXX of which I have had for XXXX years. I have not missed or made a late payment on any financing in over XXXX years. 
I am now financially strapped, trying to relocate and run my business, support my family, and deal with several major illnesses. The last thing I need is to receive a form letter telling me the computer thinks my limits should be lowered. 
I do not want anymore than a return to status ante and the credit I have earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit card or prepaid card

Received a gift card for XXXX in XXXX. Immediately realized the gift card had usages back in XXXX while the card was still wrapped in a few California businesses XXXX the card was bought and we live in North Carolina XXXX XXXX 

Submitted a dispute at the beginning of XXXX. Submitted all relevant documentation. Was notified there was a 90 day wait before they could follow up and issue us a credit/new card/whatever. 

It has now been more than 6 months and not only have we not heard back, we have emailed them back several times. I also spent a large part of today and yesterday looking up how to contact them via phone : https : //www.incomm.com/contact-us/ As you can see, there is 0 contact information on the contact us page. If you browse the web enough, you will see a number ( XXXX ) XXXX. I called this number, tried to talk to operator, and could not get anyone. I called it again, and tried to go through the credit card help line and was hung up on every single time I entered in my card information. 

The team is still XXXX, still advertising their products, but has completely removed all support lines from their website and their seems to be no support being given to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my items reporting on Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Product: Checking or savings account

I have never sent the trust document showing these guys where suppose to take care of my dad and i was sick and doing a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and wanting to sell my business and with XXXX XXXX in revenue for my business same as every year 14 years and nine years best yoga school of XXXX. the revenue XXXX was XXXX XXXX for XXXX XXXX in costs. but there is XXXX XXXX in revenue that goes to? if you look at the statements there will be XXXX in income in a month and XXXX in spending it and nothing but transfers. to noplace a manager gave me a transfer page that showed an extra transfer for every transfer. and any transfer without a not from me did not happen. 
My father and i built 5 yoga schools and we spent XXXX XXXX in 14 years and in 18 months there is XXXX XXXX gone but at the the loans on the house where to write of the XXXX income from my dads investments and these guys. started stealing that with my bookkeeper XXXX XXXX in XXXX and the first checks went to XXXX XXXX XXXX and where altered, then to XXXX XXXX  to launder the money for them, these guys had already stolen XXXX XXXX before they start the checks to the dummy account they opened ending XXXX I never deposited one check in that account. I never made one atm transfer these guys did, so here is the trust documents and again my sister my brother in law, my father and my ex wife all walked through the bank in both XXXX and XXXX and shown where everything was and who the trust managers where and two years later they deny the whole thing. 


so here is the orignal download to XXXX and i included just the payments to wells fargo this time and all the thing spent the cards from the original download to XXXX in XXXX I am plan to be the biggest thorn in their side till the day die ... their piece of garbage lawyers, the judges to my cases, IRS, FBI ic3 and law enforcement will recieve a full color printed version of the published blog with all the examples i cannlot get to reproduce on this site.