23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management ( heretofore MCM ) is wilfully disregarding a legal opt-out request per 15 U.S.C. 1692c ( c ). MCM acknowledge the receipt of said opt-out request in their latest letter to me dated XX/XX/2024, in which they attempt to suggest that their communication attempt is legal. This is false, as I have requested ( and my request was granted ) not to be contacted, and as such MCM can not legally notify me that they are merely considering forwarding their account to their attorney. For the avoidance of doubt : I have previously opted out of receiving communications from them, and they acknowledge this fact in the first and the last sentence of their letter. Combined, these indicate to any and all reasonable observers that they are clearly acting in a wilfully negligent manner. Specifically, this sort of communication which they sent me is strictly prohibited by the Fair Debt Collection Practices Act ( FDCPA ), specifically section 1692c ( c ). Here 's why : 1. Opt-out right : The FDCPA grants consumers the right to stop receiving communications from debt collectors. This right applies to all forms of communication, including phone calls, letters, emails, and text messages.

2. Communication after opt-out : Once a consumer has opted out, the debt collector is generally prohibited from contacting them directly. This includes any communication about the debt, even if it is intended to inform the consumer about potential legal action.

3. Exceptions : There are a few narrow exceptions to the prohibition on communication after opt-out. For example, a debt collector may still contact the consumer to : ( a ) Correct or update information about the debt ; ( b ) Offer a settlement or repayment plan ; ( c ) Inform the consumer about specific legal actions, such as filing a lawsuit or repossessing property. However, simply notifying the consumer that their account may be forwarded to an attorney does not fall within any of these exceptions.

Therefore, since they received an opt-out request from me, they should have ceased all communication with me unless it falls within one of the narrow exceptions permitted by the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account ( XXXX XXXX XXXX ) was opened in my name sometime in XX/XX/XXXX. The card was charged off and went to a collection agency known as Midland Credit Company. The amount charged off was about {$620.00}. I filed a dispute directly with the collection agency, then with the Credit Bureaus ( all three of them too ), and also filed a Police Report for Fraud / Identity Theft. I sent the police report along with my dispute letter to the credit bureaus directly in XX/XX/XXXX. The credit bureaus have still failed to investigate anything and claims that this is still my account after sending them the police report. I want this off my credit reports as I am trying to align my credit up to apply for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a active fraud alert on my account and currently I have XXXX inquires with Transunion and XXXX  with XXXX. I spoke several representatives that state I need to produce a police report. I am lost as to what the police report will do for the XXXX inquires when I placed a FRAUD alert on my account due to my personal information being stolen. I was told that I would be notified as to when anyone applies for credit in my name via my phone number. This happened a few times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of edXXXX XXXX Dept of edXXXX XXXX Dept of edXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting

I disputing the information XXXX XXXX placed on my Credit Card as incorrect. I contacted XXXX XXXX Last year and they refused to correct my information as paid on time/Agreed. Subsequent to that XXXX XXXX is a very dishonest company They do not keep their promises. They closed my account without my knowledge and reported it negatively on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX dropped me XXXX points over a late payment to XXXX. Reporting late payments is illegal see FCRA. Also this was not a late payment it was a new loan with kikoff. My Equifax was supposed to raise my credit score due to my first loan being paid off with XXXX and yet they never raised my score by over XXXX points like they were supposed to after all loans were paid off. Its was never corrected and additionally dropped me XXXX points over inaccurate info so altogether I lost over a XXXX points over inaccurate info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries thats on my credit report that wasnt authorized XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Ive tried multiple time to disputed through Equifax
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 states a consumer reporting agency can not furnish a account without my written instructions u.s.c 168 ( c ) a 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information other than records of convictions of crimes which antedate the report by more than 7 years 15 u.s.c 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has responsible cause to by liens that the information is inaccurate ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,. XXXX XXXX  XXXX, Equifax Information Services XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX HARD INQUIRIES : INQUIRY NAME : XXXX XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX INQUIRY NAME XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX  INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX NAME : PXXXX XXXX XXXX XXXX XXXXNQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent a request for debt validation to the debt collector ( Transworld Systems INC ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the 30-day validation deadline and as such need to stop reporting the collection to the credit Bureaus and pursuing the debt in my name. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )
Product: Mortgage

I purchased my home with a XXXXXXXX XXXX serviced by XXXX XX/XX/XXXX. I entered into forbearance after changing jobs and struggling financially. The forbearance was extended and then when it came time to renegotiate XXXX sold the mortgage without notice to Selene XXXX XXXX. I received conflicting mail from XXXX approving the request for mortgage assistance dated XX/XX/XXXX with the XXXX payment due XX/XX/XXXX. I also received notification from Selene that they now owned the mortgage dated XX/XX/XXXX. I received XXXX different letters showing XXXX different amounts owed and both letters are dated XX/XX/XXXX with the effective date of XX/XX/XXXX. I also received a notification dated XX/XX/XXXX from Selene telling me to apply for their modification program. I tried to make a monthly payment with XXXX but was told my account has been sold and the account shows XXXX due online. I tried to make a payment with Selene and was told I would need to pay XXXX months of arrears, no less. Selene outright refused to take the monthly payment due. My financial circumstances have improved and I am able to make monthly payments but can not get XXXX or Selene to accept payments. I had been in communication with XXXX the whole time and they kept saying to wait until a decision is made. I was expecting to roll the arrears to the end of the loan and resume making payments which XXXX infact approved by letter dated XX/XX/XXXX. Instead I am being targeted by Selene finance to take the house if I can not pay XXXX months of mortgage payments in XXXX lump sum. The representative for Selene told me that my modification request will likely be denied since I can not afford to pay. I feel she was trying to discourage me from submitting the application. I explained that I can make the monthly payments and she refused to take the monthly payment. I'm left with no where to make a monthly mortgage patment now that I am able to pay. XXXX should honor the terms of their agreement for a trial payment period instead they turned me away from making the XXXX payment due XX/XX/XXXX telling me the loan has been sold. Selene says in a letter dated XX/XX/XXXX that the loan is serviced by XXXX XXXX but XXXX XXXX does not have any account in my name with the account information provided. This letter says the amount due is {$320000.00}. Another letter with the same date says the amount due is {$280000.00}. The amount that XXXX online shows as the serving transfer amount is {$25000.00}. Selene Finance LP must be stopped from defrauding me out of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was conned into opening a secondary account with this provider and was forced to hook my main account to it. 

In XX/XX/year>, this provider tapped into my main account and wiped my account out under the guise that it would be placed into the secondary account for my use. It is now XX/XX/XXXX and the money is not in my secondary account nor has it been returned to my main account. 

I confronted the provider and was met with lies and excuses why my money has been effectively stolen. I informed them that they had one hour to either credit my secondary account or return my money or I would be filing a complaint with CFPB for fraud because they have stolen my money. I was then ignored. 

I want my money either credited or returned immediately. If I do not get my money back I will pursue legal action against them for fraud!
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

There is an account on my credit report labeled Covington Credit. I have disputed this charge and have attempted to work with this agency to have this and all late fees associated removed from my credit report. Covington Credit could not provide me with any documentation or signature that I was responsible for this loan, nor do I have any knowledge of this loan. Could you please assist?
Product: Mortgage

This is our first home and when we visited the XXXX XXXX ( XXXX ) model home we were shared information about their upcoming community Smooth stream at the time of the sale we were told by the sales person that this is part of XXXX XXXX XXXX. On XX/XX/XXXX we were shared a governing document which we signed and send it back and we also gave {$49000.00} check as earnest money deposit under the impression that we were purchasing a home in The XXXX city. On XX/XX/XXXX we signed the pre contract document. In all of the documents the city information was used as XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. The closing date for this property was shared with us XX/XX/XXXX. 
We decided to go with builders lender XXXX XXXX XXXX XXXX funding as part of sales agreement being a first-time home buyer after receiving the appraisal report we had the option to decide whether we should proceed with the purchase of this property or not. We were given an appraisal report with the valuation of home being at {$600000.00}. On XX/XX/XXXX I signed the appraisal acknowledgement report and sent it back to the lender. The closing date was pushed to XX/XX/XXXX due to the property not being ready for closing. The closing for this property happened on XX/XX/XXXX title company was XXXX XXXX XXXX company. In all the loan and closing document the address for this property was used as XXXX XXXX XXXX XXXX The XXXX TX XXXX with the city information being XXXX XXXX. After closing at the time of transferring the utility service we found out that this property is actually located in XXXX but since the USPS uses zip code for mailing information the builder and lender used XXXX XXXX as city information. This property is located in XXXX XXXX township not the city when I tried to solve this with the builder and asked them to address this issue they refused and pointed me to the governing document. When I asked them to show me document with signature showing that we agreed to the fact that although this property is located in XXXX but we agreed to use XXXX XXXX as city information. 
We were trying to cope with the fact that we were cheated by deceptive tactics used by the builder and lender. The worst was yet to come we tried to re-finance this property on XX/XX/XXXX and on XX/XX/XXXX an appraisal was performed by XXXX XXXX and this property was appraised to the value of {$500000.00}. The builder and lender not only used deceptive techniques to sell us a property making it look like it is located it The XXXX XXXX and appraised the property to inflate the value of home higher than the actual value and being a first time home owner not giving us an opportunity to back out at the time of first appraisal performed for this property before closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I noticed accounts from XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX were on my file. I have not extended credit to any of these places. This is identity theft. I filed a report and notified the credit bureaus and the secondary reporting agencies. From what I understand, the consumer reporting agencies and secondary agencies must remove these accounts within 4 days. It has been more than 4 business days. Also I know that no account can be put on my credit report without my written permission. I didnt give written permission. I require that these accounts be removed immediately.
Product: Debt collection

I first received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, and responded in writing on XX/XX/XXXX requesting more information about this alleged debt they claim I owe. XXXX XXXX, XXXX received this letter by Certified Mail on XX/XX/XXXX. 
I received a response, with a letter dated XX/XX/XXXX, stating that this debt is indeed valid and have included a supposed Verification of Debt which looks like a made up letter. On XX/XX/XXXX I then proceeded to contact PayPal, the original creditor, and talked to a XXXX employee ID # XXXX. She stated by phone, which was supposedly recorded, that she will mark this account in her records as fraudulent and that I should receive something by mail and then guided me to FTCs website to file an Identity Theft Report which I later did. 
Ive never received any correspondence from PayPal or XXXX. I then mailed XXXX XXXX, XXXX another letter on XX/XX/XXXX after my phone call with a XXXX which they received on XX/XX/XXXX. On XX/XX/XXXX I also mailed them a letter from FTCs website asking them to stop all collection activity yet they continue to ignore my letters that I am a victim of identity theft as this account is not mine. XXXX XXXX, XXXX is still continuing to collect on a fraudulent account and keep mailing me the same document over and over. All copies will be uploaded here.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, Account No : XXXX I am writing to formally request your assistance in resolving an issue with Citibank regarding the closure of my business account. 

I recently opened a business account with Citi and deposited a {$5000.00} check given to me by a family member. However, my family member mistakenly provided a check from their old XXXX  XXXX XXXX XXXX account instead of their active checking account. This was an honest mistake on their part, with no intent of fraud. Unfortunately, as a result of this returned check, Citi abruptly closed my account. 

I find this action by Citi to be extremely unfair. As the account holder, I had no fraudulent intent, and my family member is willing to provide any necessary documentation ( including their bank statements ) to confirm this was a simple mistake. I am also more than willing to cover the {$12.00} returned check fee. However, I do not believe this mistake warrants the closure of my account and a potential ban from Citis services.

I kindly request Citi to reconsider their decision and reinstate my account. I would greatly appreciate any assistance from the CFPB in resolving this matter fairly. Please let me know if you need any additional information. 

Thank you for your time and support.
Product: Checking or savings account

On XX/XX/2022 I attempted to purchase a XXXX worth {$16000.00} at a XXXX authorized dealer XXXX. While checking out, the XXXX monitor stated that it could only approve {$10000.00}, in that very moment we voided the transaction in which I was issued a receipt for. Soon after I called my bank ( Citi Bank ) because somehow the funds were still drawn without my approval, while at the store I called the bank and was told I would have to file a claim ( which is one of many claims and appeals I've filed with this bank ) and submit the voided receipt in order to get this sorted out. Despite providing to the bank all the documents they required in order to resolve this problem, which they stated in writing and over the phone they still deny my appeals and claims. Instead they have told me to take it up with the merchant, so I did and they say that their accounting department can not do anything because funds were never received on their end. I have paper trails of communication between the bank, myself, and the merchant. The bank is clearly withholding {$10000.00} that belong to me which have set me back substantially, they show little to no regard and fail to explain where my money is show no effort to help. The merchant has diligently tried to offer as much help as possible but Citi Bank fails to comply.
Product: Debt collection

This delinquent notice appeared on my XXXX account and stated this XXXX acct was opened this past XX/XX/2016. I do n't have a current XXXX acct at my current residence. I have n't received any notices or phone calls regarding the {$170.00} balance owed. I disputed this with XXXX but came back as being " valid '' '. I know for a fact this is not my acct and need this removed from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX settled on {$290.00}. I paid in full and got confirmation on XXXX. 
They are not taking it off my credit and Im ready to sue. I have confirmation that I paid and I havent sent in the conformation multiple times!
Product: Debt collection

I was wrongfully charged the early termination fee of {$550.00} by XXXX XXXX in XXXX, 2018. I have been trying to resolve the issue and contact its customer service department several times. And a couple of times, they told me to drop the charges but didn't happen as promised. Instead, XXXX sent it to collection agency.