23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX  0f XXXX I received a statement from Midland Credit Management alleging that I owe them a debt of {$1100.00}. Never having done business with them, I sent correspondence to them dated XX/XX/2024, via certified mail, requesting validation of the alleged debt. In addition, I also requested the contract in which I Signed or instrument bearing my signature, transaction history that would show what funds they provided me, any payments I made, and any credit they extended to me. I requested that they cease all collection activities including reporting to any credit reporting agencies until validation criteria has been met. They have continued to harass me with letters via United States Postal Service and electronic correspondence. Validation has never been established.
Product: Debt collection

There are some unidentified things on my credit report, i've submitted 3 dispute letters from XXXX XXXX XX/XX/XXXX attempting to resolve the issue and have got no response.
Product: Credit reporting or other personal consumer reports

After looking at my credit report I noticed two hard inquiries that equifax reporting one for XXXX that was on XXXX and another for XXXX XXXX  XXXX I immediately demand the removal of these inquiries to avoid any confusion as I did not initiate these inquiries or give any form of consent electronically, in person, or over the phone .Iam fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FCRA
Product: Mortgage

To Whom It XXXX Concern, My name is XXXX XXXX XXXX XXXX and I'm a XXXX veteran, my wife and I are on a fixed limited income. I'm writing you to see what legal recourse I have with my current lender XXXX XXXX. I purchased my home located at XXXX XXXX XXXX XXXX XXXX WA XXXX on XX/XX/XXXX. My original mortgage amount was {$2800.00} per month and then I was notified in XX/XX/XXXX that my monthly payments were going to go up to {$3300.00} due to XXXX underwriting had made an error in calculating the property taxes and not having enough money in escrow, therefore my mortgage would be increased. I'm a! 00 % XXXX veteran and do not work, my wife and I are on a fixed income, and we planned the purchase of our home with a specific budget, and we can not afford to pay another {$490.00} extra per month. We were explained in XX/XX/XXXX that this increase would only be for one year and then go back to the original monthly payments, but we are now being told that the increase would be for the life of the loan. I need to understand what legal rights I have regarding this drastic increase due to their mistake. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They call me all day every day sometimes before XXXX. They use phone numbers with prefixes from all over the country. They never want to identify who or why they are calling unless I give my name..they could at least tell me it's Portfolio. The debt is over 10 years old and they say things like they WONT take me to court if I make arrangements. It is my understanding that they are unable to sue me for a debt that old. Furthermore, the original debt was less than {$700.00}. They said they will report to credit bureau but not sure if they have recently but isn't that a violation on a debt that is 10 years old?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$15000.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I paid off this account but its still showing that I owe a balance. 
XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Product: Credit card

I recently paid my credit cards off and when doing so some of the companies lowered my credit limits I could understand if I was late but from XXXX to XXXX and XXXX to XXXX but balance is XXXX and limit went down {$110.00} and the other is completely closed now. I also had never received my XXXX card when they switched from XXXX to XXXX and when I finally did they sent one to my XXXX my brothers XXXX and who knows where else. I also changed the image on my XXXX and one got sent back to the company one came to my XXXX and the otherwent to my brothers XXXX XXXX My brother brings them to me when he comes down to XXXX but there has been a lot of weird activity and cancellations of my accounts.
Product: Credit card or prepaid card

In recent days I opened a new credit card with XXXX XXXX and checked the XXXX SCORE and I realized that there was an account closed with the OPORTUNXXXX company with a credit of {$1200.00} dollars, which I never requested, I spoke to the company and provided my name, address and social security number and they tell me that with my social security number there is NO account but with my name if there is a registered accountto which I inform them that they are directly but with my name if there is a registered account affecting me due to said negative report on my credit. 

present the respective claim to the XXXX credit bureau since it is the only one of the 3 bureaus that has this negative report in the other XXXX there is no such negative report. 

someone unscrupulously used and/or stole my name and address to apply for this card.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 XXXXXXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX  Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Me and my domestic partner, XXXX XXXX, have two checking accounts and one savings account that we share with Chase Bank. We are bothXX/XX/XXXX in NY. 
On XXXX/XXXX/25 XXXX texted me asking if i was moving money around in our accounts, i said no. I then checked my chase mobile app and saw someone transferred all of our money from our savings to our checking account. I knew right away there was someone in our account. Within 30 seconds i had chase fraud department on the line, verified myself, pleading with them to lock down my account, and repeatedly told them do not let any transactions IN or OUT of my account and that it was an emergency. I was then told on the phone that they couldn't help me and to go to a local branch to file a complaint. Within 5 minutes i was at my local branch. As i entered the bank i noticed all of the money was gone, to XXXX XXXX 
Facts : - we did not receive any notification that there was a pending transfer, and no notice to approve a wire transfer. Absolutely nothing. 
- someone bypassed our two-factor authentication to enter our account ( it seems ) - chase never flagged these transactions/ transfers- we were never in contact with anyone to approve any transactions - our devices that can access our accounts were secure at the time this happened- we have lifelock and nord protection on all of our accounts and devices - chase allowed these transactions through without our knowledge or our approval- When pleading with chase bank fraud department to lock down my account i was told they could not help me.

- I attempted to stop this from happening while it was in motion and in real-time- When i call chase bank to speak to someone, at some point during the 30-40 minute mark they start pretending that they cant hear me due to a bad connection ( roughly 25 phone calls ) which i am starting to find suspicious, because there is a clear pattern, and then they hang up and don't call me back.

Please i need help, they are 100 % responsible for what happened but are refusing to take any responsibility. They are utterly refusing to help. This is all we had, we are crushed. Why put my money in the bank if Chase is going to let criminals take it from me?
Product: Mortgage

I recently refinanced my home loan with Quicken loans. I never received my payment coupon. The first payment was due on XX/XX/2020. All of my paperwork was through Quicken loans. They failed to successful send me either via email or by XXXX XXXX payment coupons. I latter found out they had changed their name to Rocket Mortgage. My email server did not recognize this address as my loan had been done through Quicken XXXX. Finally on XX/XX/2020 I received a late notification again from Quicken Loans. I immediately went on line and made the payment and an additional payment. Quicken  reported my late payment, which was my first payment on a new loan destroyed my credit score which has made it impossible to get a loan. As a physician during the Covid-19 crisis this will endanger my ability to practice and make my payroll.

My mortgage banker appealed to Quicken and I have also appealed to Quicken to reverse this derogatory remark on my credit. It was caused by an issue with communication between the lender and me. With my prior loan I never had this issue and I incorrectly believed that I had a 90 day grace period to start the first payment. My assumption was that I would either get a written or email confirmation of how to establish payments with Quicken. In addition they changed the name from Quicken to Rocket mortgage. I have talked to another person who had this exact same issue happen to them. I feel that this is unfair at a minium and fraudulant. I have referred this to a real estate attorney.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I mailed a letter to Experian expressing my concerns of inaccuracies on my credit report. Pursuant to 15 USC 1681 ( I ) ( 5 ) ( A ) information that is found to be incomplete and inaccurate must be modified or promptly deleted. My letter was received on XX/XX/24 ; theres only been XXXX item removed and I havent received a response. I have included a picture of the certified mail receipt, my letter and Experian credit report with the respective accounts circled.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an automatic payment was made to Mr. Cooper from my bank account. This automatic payment was paid in the form of a check. ON XX/XX/2020, the loan at Mr. Cooper was paid off in a refinance procedure. So, the automatic payment was not cancelled on my part at my bank. It was in the amount of & XXXX. 
I called on XX/XX/XXXX and talked to a representative, that stated that I would receive reimbursement in 5 to 10 business days. It would be refunded to my bank account. This representative did not take a voided check or any bank information from me. On XX/XX/XXXX, I did not have the refund, so I called again to Mr. Cooper and talked with another representative and a supervisor from Texas. The check has not been processed and I called my bank to find out nothing was showing either on our bank side. SO the lady put me in touch with a supervisor that told she was going to rush the request and that I would have a check in 24-72 hours. I waited until XX/XX/XXXX to call again when the check never arrived. I talked to another rep from Texas that said that the check showed requested but that it was not processed because they were doing research. She told me that standard procedure is 15 days for a returned check. Well, we were pasted ten working days. Then I was passed onto another supervisor, who set up a wire to have the money back in my account. She said it would be there Mon/Tuesday, XXXX XXXX. Well, it is XX/XX/XXXX and I still do not have my money back. We are also most at a month and no one can issue me an answer about when I will have the money back. We don't even have an account with them any more. 
I have talked to many different reps and supervisors that tell me different answers to the same question. None of the reps have any idea when and how to get my money sent back to me. I have asked for the check to be overnighted. I was told that can not be done. I really don't care if the money is a wire or a check, I just need the money. This entire experience has caused my family hardship. The money they refuse to give me back is money that is used for the needs of my family. Without this money, my family is suffering.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account # XXXX is showing on my Experian and XXXX reports XXXX has already removed the account
Product: Credit card or prepaid card

I purchased a XXXX XXXX prepaid debit card on XX/XX/2023 with {$55.00} dollars on it which has been placed on hold. I have called the customer support number multiple times and have got nothing.
Product: Vehicle loan or lease

I was in a car accident in XXXX XX/XX/XXXX. 
I had paid monthly payments on time. I had paid about {$8000.00} or more before the accident to Credit Acceptance Corp XXXX XXXX XXXX. 
They sent it over to attorneys XXXX XXXX XXXX. The insurance company said they paid the car off. 
The adjuster XXXX XXXX XXXX XXXX ext # XXXX Clm # XXXX. 
I won't this off my credit report because they saying I still owe a little over {$3000.00}. I'm on XXXX. I've never not paid a car off. The adjuster lied and got over. I only got {$1200.00} n the passenger got XXXX. We both was hurt.
Product: Debt collection

After submitting an initial complaint to CFPB ( Case number : XXXX ) I had received, and accepted, an offer from XXXX to pay {$6000.00}, {$250.00} per month over 24 months, as a settlement for my account. ( letter attached ) I have sent XXXX payments of {$250.00} to XXXX, but never received a final statement from XXXX. ( final letter that was included with payment attached - note that I have copies of all 24 letters sent to XXXX that were included with payments ) I received a collection notice dated XXXX, from a collection agency demanding payment of an additional {$6300.00}, originally from XXXX. ( attached ) I responded to the collection agency stating that I had paid all monies due ( letter attached ) Collection agency stated in letter that they would provide me with validation of the original debt, but I have never received anything back from them. 

Incorrect listing of the final resolution of my account has been sent to credit agencies by both XXXX and the collection agency, and has severely hurt my ability to get loans. 

I have made every attempt possible to fulfill my side of this agreement, but XXXX refuses to honor their side, and I need assistance with getting XXXX to get them to honor their agreement.
Product: Debt collection

I open up a new account with XXXX XXXX XXXX and closed the account inactivated within the 10 days period. I dealt directly with the manager. All devices was return to the XXXXXXXX XXXX location and all monies refunded to my XXXX XXXX card except for {$280.00} that XXXX still owes me. I started getting bill for devices of {$260.00}. Then the collection agency started calling. The the amount got reflected in my credit report. In XX/XX/XXXX it appears that all got resolved except the refund of the {$280.00}. The item was removed from my credit report. XX/XX/XXXX I received a call from a new collection agency for the same amount. I explained the entire situation to the man on the phone. Less than one week later the amount was replaced back on my credit report and my credit score fell. I am in the process of apply for a loan and this can affect it. 

I am requesting for an investigation as to what is going on at XXXX and the collection Agencies for this to continue going on.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I would like to submit a complaint against XXXX XXXX XXXX due to selling my Personal Information to a third-party agency without my consent. This clearly violates the FCRA Section 623 ( e ), which violates my consumer law rights. I recently pulled my credit report and noticed that several inaccuracies raise major concerns. I was recently served and threatened to be sued by the original creditor. Could you please look into this and provide a cease and desist, to stop the unlawful suit filed against me and remove the negative/erroneous remark from my credit report?

I greatly appreciate you investigating this matter. I have attached a copy of my 3 Bureau Report and Scores which reflect the inaccuracies being reported by the Original Creditor to the Credit Bureaus.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Inquiries into my Transunion account from " XXXX XXXX XXXX via XXXX XXXX XXXX ''. I have not purchased or enquired anything from XXXX XXXX. Please work with XXXX XXXX XXXX & remove enquires from my account. I have raised request 2 times but still not able to get this enquiry deleted from my account. I even reached out to XXXX but i am not able to get someone from XXXX. I sent email and called many times but not able to get hold of someone who can help. 
XXXX Below are the details regarding inquires XXXX XXXX XXXX via XXXX XXXX XXXX Enquiry date : XX/XX/2022 Location : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone : Phone number not available Inquiry Type : Individual Permissible Purpose CREDIT TRANSACTION XXXX  Can you please advise what i can do? Same enquiry was showing earlier on XXXX & they have removed it. Can you please remove it and let me know what i can do from my end.
Product: Credit card

I have sent Capital One several requests for validation and investigation regarding XXXX accounts listed on my credit report. I first reported them as fraud but Capital One said they had limited information. I 'm not sure how else to say it 's not me!!!. I asked for validation and investigation including my original signature and they keep sending letters that say they need more information. The letter Capitol one sends only has the last XXXX numbers in an account showing- the accounts listed on my credit report do n't show the last XXXX numbers. There is no way to match them. I sent 3 request to the credit reporting bureaus and they can not validate the accounts either, Capital one needs to delete me from their system they have had more than 3 months and multiple requests to provide complete and accurate information and they have not done it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Credit Report reflects multiple collection accounts for the same alleged debt. Derogatory marks include a collection from a XXXX, as well as 2 accounts for XXXX XXXX XXXX  ( which I believe are duplicates again, like my XXXX XXXX XXXX XXXX  ). LVNV Funding, XXXX XXXX  AND XXXX are all reporting collections. XXXX credit card IS XXXX XXXX, XXXX, and not a separate account. This is causing 3 collection accounts o my credit report. I have also satisfied the balance with LVNV, and therefore these 3 should be removed rom my account. I requested the Bureaus send me ALL documentation associated with this alleged debt, including all applications, and ALL statements from the original creditor, and all I received was one billing statement from the Bureaus. ( Nothing rom XXXX XXXX, XXXX. ). These debts need to be removed rom my credit report for all of the above stated reasons
Product: Credit reporting, credit repair services, or other personal consumer reports

I am taking action against the US Department of Education for incorrect information reported to my credit report since XX/XX/2019. Despite several attempts to dispute this since then, I have yet to receive any resolution. This has caused me to suffer financially, as I have been denied credit, charged a higher interest rate, and prevented from buying a home. I have also attempted to dispute this with the three major credit bureaus, XXXX, Experian, and XXXX.