23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midwest recovery has violated all of the issues above. communication I have never heard of them let alone from them at all. they would not verify any debit at all beside from a loan in XXXX, continued to try and collect after a discharged bankruptcy claiming they didnt know, but they knew enough to falsely change the date form XXXX to XXXX to get it on my credit file. 

I have never had any dealings with Midwest recovery syste ever no phone calls, no letters no nothing they have violated the consumer protection act and the collection laws they immediately place an account in collections without notifying me prior to this, they have not retrieved or verified the account they are trying to collect on. I called them at the number listed in a XXXX search at XXXX they told me it was from some loan company that i have never heard of they dropped my credit score by XXXX by placing an account with collections while I 'm in the process of trying to purchase a home, they told me it would take 30 days for removal so now i have to wait 30 days and allow my current creditors to see a negative impact to my credit score. They also told me it was from a loan dated XXXX and they listed with the credit bureau it was from XXXX so they could circumvent my bankruptcy on file that was discharged XXXX XXXX XXXX, so they have lied and purposefully cheated the collection laws to continue to collect on bogus debits
Product: Debt collection

I was a victim of identity theft and noticed a collection from RESIDENT COLLECT INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RESIDENT COLLECT INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXXXXXX, account number XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ). This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed. 

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has violated these rights by failing to remove the inaccurate information from my report. 

I request that you investigate this matter and ensure that XXXX XXXXXXXX corrects the inaccurate information and removes the account from my credit report. 

Thank you for your time and attention to this matter
Product: Mortgage

I had a mortgage with wellargo bank and wells Fargo is stolen XXXX from my mortgage account on the escrow account. the case is in court now and wellsfargo refuses to give a fair review on my account though I asked multiple times now. it is the obvious reason wellsfargo donot wany=t justfy reasons for fake charges. I need help because the court is not responding on my case now. I lost $ XXXX on this no settlment reached now.. I can provide all evidence that have with me. please talk to me before closing my account
Product: Checking or savings account

I was on XXXX and tried to purchase something and now someone is logging in and out of my Chase account and depositing money into my account.
Product: Vehicle loan or lease

I never paid my monthly payment late in XXXX or XXXX I was never told that I was late no notices. Or even a phone call
Product: Credit reporting or other personal consumer reports

It has come to my attention that LVNV FUNDING LLC INC are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed
Product: Credit reporting 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 has violated my rights.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Charge-Off Account, Account Number : XXXX XXXX XXXX Dear XXXX, I am writing to formally dispute the charge-off on my credit report for the account with the number XXXX, as reported by Commonwealth Financial. I believe this charge-off is in violation of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ).

According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ), creditors are required to report accurate and complete information to credit reporting agencies. In my case, I contend that the charge-off reported by Commonwealth Financial is inaccurate and incomplete. 

I kindly request that you investigate this matter promptly and provide me with documentation verifying the validity of the charge-off. Specifically, I would like you to provide the following : 1. A complete account history and transaction log for account number XXXX. 
2. Any documentation proving that the debt in question is valid and legally owed by me.

3. Evidence that all required notices and disclosures were provided in accordance with applicable laws and regulations. 

I am committed to resolving this matter promptly and am willing to cooperate fully to ensure its resolution. I believe that a fair and accurate representation of my credit history is vital for my financial well-being. 

Please acknowledge the receipt of this dispute letter within 30 days, as required by law, and inform me of your progress in investigating and rectifying this matter. Failure to comply with these legal obligations XXXX result in further action on my part.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX  Balance : {$680.00} XXXX  XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The call my phone 100 times a day. My boyfriend and I went through a financial hardship at the beginning of the year and we are trying to take the proper steps to resolve this debt. They continuously call and say we need a payment today card or routing number. I tell everyone that we 'll pay on line there is no need to call. They talk over me and continue to ask for payment. I tell them when we have the money it will be paid. The say they 're sending it to collections I tell them okay send it. I rather talk to them not you guys.
Product: Credit reporting or other personal consumer reports

I submitted a dispute on Experian, and I believe they have violated the Fair Credit Reporting Laws by not properly invesigating my dispute. They just marked my credit file as updated in less than XXXX after I submitted the dispute. 

I ask that Experian follow the law and rules and properly investigate my dispute to the fullest extent, I filed an identity theft report with the FTC, and i have attached it to this complaint as well. 

I also ask that XXXX follow the same suit with the dispute sent to them and because a XXXX has me blocked from submitting disputes via online I ask for them to open a dispute and investigate this matter as well. Failure to comply will result in me submitting further complaints
Product: Debt collection

I have no idea who Midwest Recovery Systems is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Midwest Recovery Systems is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I attempted to contact Midwest Recovery Systems via Certified Mail, Return Receipt # XXXX XXXX XXXX XXXX XXXX and they not respond. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Midwest Recovery as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Midwest Recovery Systems } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Midwest Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting or other personal consumer reports

To Whom This May Concern : On XXXX XXXX you responded stating that you have previously investigated and verified this account. Since I have never requested a verification of this account, I believe you are attempting to stall or ignore my right to request verification and have this incorrect information removed. 

Please explain to me HOW did you verify the debt send me what you have to prove that the debt is mine! 


I demand that you initiate an investigation as is my right under the FCRA, or send proof that you have previously investigated these listings. 

In good faith, I will give you 30 days from the date of this letter to initiate an investigation on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Please take note that I am carefully recording all correspondence and I am prepared to file complaints with the, FTC and AG. If you fail to provide me with the requested investigation, it is my right to seek judicial relief, and I am prepared to do so. Please remember any FCRA violation is up to XXXX per violation OR actual damages. I am emotionally distressed because of your NEGLIGENT actions! This is impacting the quality of my life. 

I look forward to your response no later than XX/XX/year>XXXX XXXX
Product: Debt collection

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. 
SEQUIUM ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$220.00}
Product: Money transfer, virtual currency, or money service

XX/XX/year> and XX/XX/year> these transactions were unauthorized and I ask tge company to find out and I had not don't these they told me no and denied any further assistance
Product: Debt collection

I recently wrote a letter to the debt collector company of First National Collection Bureau to explain how, where, and when was the original debt collector of XXXX XXXX XXXX who did not notify me of any transactions which I was not aware of from the original creditor of XXXX XXXX XXXX, when I am a XXXX XXXX XXXX person on assistance in Minnesota since XX/XX/XXXX to not know anything until I have slowly recovered. I feel that anyone can be using my name, social security number, credit card or any information of me to fraud. Please advise me on this situation for which I feel I do not owe anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I own a small business that helps individuals recover funds from scams. Since Friday XX/XX/XXXX, Bank of America has withheld all of my companys revenue under a security block. No one notified me that they were holding my revenue or explained why they are doing so. They have also froze my merchant accounts that would give me access to any of this information. I understand it is against the law for BOA to take this action on my account without notifying me. I called them for hours a day from Tuesday-Friday to try and resolve the issue. My intentions were to speak with a representative from the security department so I can assist them in whatever they need from me to expedite whatever it is that they are investigating. I have independent contractors and bills that need to be paid. My frustration is that I have not received a phone call, email, or any message with information regarding this security block. After countless hours being transferred around to various departments and voicemails, I went in to the bank center where they simply gave me a number to call. I have spoke to one representative in risk management on Thursday   who stated that there looks like there is a security block on your account but that is all I can see on my end. We take tremendous pride in what we do at our company and my fear is that the lack of communication from BOA has now caused irreparable harm to my company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year when i requested my report from Equifax they had incorrect information on me and they were confusing me with someone else with the same name. I just tried to order my yearly report and the questions they asked to confirm my identity had nothing to do with me at all and now i have to be extremely inconvenienced and make copies of documents, gather information and use a stamp because i have to order it by mail. Why is Equifax the only agency that does this to me? I thought i had this problem resolved but they obviously are doing the same XXXX thing. They are not careful with information and that affects peoples lives in a negative way. There should be huge fines for each instance they are careless with peoples information and the people affected by their carelessness should be paid too. On my teport last uear they had a XXXX address for me and were associating me with another person of the same name and it looks like theyre still doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute hard inquiries and a collection through XXXX I wrote letter Ive reached to credit who informed me that a dispute must go thru XXXX however none of their investigations have yielded any results. I reached out XXXX XXXX  regarding this collection which is not my debt nor do I have any contractual agreement with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED ON NUMORUS OCCASIONS A PHYSICAL VERFICATION OF THE ORGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSCAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOTCONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIEDINVALID ACCOUNTS MUST BE REMOVED. EQUIFAX, XXXX, XXXX HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOS REPORTING OF FRAUDUELT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME.
Product: Mortgage

( XXXX ) Escrow fraud. 
I bought an owner occupied 4 plex via VA loan. After more than a year I bought a single family home. I refinanced my 4 plex with Mr. Cooper. 
a. I have had insurance $ XXXX in place 100 % of the time. 
b. 2 years in a row, the company has force placed insurance claim that there is no insurance. 
c. I am currently paying $ XXXX over what I owe. I am retired on social security and 100 % VA XXXX and can't afford to keep paying this fraudulent charge. 
d. My insurance company of 30 years has resent the insurance declaration sheet and spoken with Mr. Cooper 2 times. 
e. I have spent more than XXXX hours on the phone for this very simple fix which should take maybe XXXX minutes to fix. 
f. I bought this property as my home under VA owner occupied 4 plex loan. After aboutb15 months, I bought a single family home. I refinanced it with Mr. Cooper. 
g. The property is a XXXX building 4 plex with 4 townhome on 4 separate deeds. It now has 4 separate mortages. The insurance company says since its 1 building and I own the whole thing, they must insure the whole building under 1 policy or no insurance. 
h. Mr Cooper has the declaration page showing all 4 properties are insured under 1 policy for the whole building. The insurance company even sent the XXXX sheet separately under each of the 4 mortgages. 
XXXX Mr Cooper is collecting an additional $ XXXX and refuses to return my money. 
j. So far, I have called 8 times and spent more than XXXX hours on the phone talking with more than XXXX different people. 
k. Mr. Cooper is stealing a lot of money from me that I can't afford to pay. I am paying this false charge from my retirement savings. 
l. Please help soon. Thank you. 

( XXXX ) The mortgage has been transferred to itself claiming to be a different company twice. I can't get statements or yearly 1099 's for taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I sent a certified letter to Equifax and the XXXX XXXX XXXX XXXX XXXX XXXX {$760.00}, I Included a copy of the Explanation of Benefit that was paid by XXXX XXXX XXXX XXXX to the Primary Creditor XXXX XXXX XXXX XXXX. I informed Equifax and XXXX XXXX XXXX that they are reporting fraudulent information and ask them to delete it from my credit file. Its been past 30 day and they have not did anything.
Product: Checking or savings account

on XX/XX/year>, Coinbase suspended my Coinbase card account with ZERO explanation. 

They say : contact support, when you call the number, they tell you on the phone to chat via the app. When you chat on the app, they tell you to call the number. It's an endless loop. I've called/emailed/chatted over XXXX times each.
Product: Checking or savings account

On XXXX XX/XX/year> i did a deposit at ATM machine at the bank for the amount of {$900.00} and i deposit XXXX bill {$100.00} each XXXX and XXXX {$20.00} bill the machine eat the money and did no give me the resive for {$900.00} the machine give me different resive with the total {$680.00} dollars immediately i went inside the bank and i did a complaint. I still waiting for my money.
Product: Vehicle loan or lease

On XX/XX/XXXX my vehicle was involved in an accident and declared a total loss on XX/XX/XXXX. My insurance agreed to a settlement amount of $ XXXX. XXXX insurance agreed to cover the remaining balance on my loan. My insurance mailed the check on XX/XX/XXXX. It is now XX/XX/XXXX and XXXX has not acknowledged payment from my insurance on my account to close the loan out. I have now called 5 times to inquire on the status and every single time, the employees are unhelpful, inept and do not have a resolution. They simply state I have to make payment on the loan, yet I have not been in possession of the vehicle for over a month now. I also emailed their Total loss department directly, and surprise, no response from them either. Based on reviews online, this seems to be a recurring pattern with them. I want this loan closed and removed off my credit, as it is now affecting my refinance process on my mortgage.
Product: Debt collection

XXXX XXXX received 11mos of payments from XXXX XXXX XXXX for 6mos. Tenancy from XXXX XXXX/XXXX/XXXX. According to office print out from XXXX XXXX XXXX/XXXX/XXXX. XXXX XXXX  manager XXXX XXXX, signed Mutual Recission of Lease with tenant XXXX XXXX XXXX XXXX XXXX. Tenant was XXXX unit had termites and other insects that were n't being treated. Tenant has print out from XXXX and on their print out showing payments. Email states after move no debts owed per XXXX XXXX. Third party collection company has been harassing me about debt affecting credit score claiming court case. Never served no knowledge of case. XXXX filed for eviction 2mos. After I moved out of state. I have movers XXXX and storage receipts from XXXX. I had reasonable accommodation for rent amount and emergency move due to harassment by XXXX XXXX, my home care aide witnessed. They would n't accept doctor report wanted me to remove my clothes for pictures. I felt threatened and helpless. XXXX followed. Unit already failed inspection recission already signed. I was terrified!!
Product: Credit reporting

XXXX XXXX, XXXX XXXX XXXX AND XXXX, XXXX, XXXX COMMITTED F.C.R.A. INFRACTIONS. BY RE-INSERTING ACCOUNT ONTO MY EXPERIAN CREDIT REPORT W/O 5 DAY NOTICE TO CONSUMER IN VIOLATION OF FCRA. MUST PAY {$1000.00} PER THE LAW!
Product: Debt collection

ACCOUNT NAME : ACIMA DIGITAL FKA SIMP ACCOUNT NUMBER : XXXXXXXX XXXX | XX/XX/2020 Inquiry