23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am lodging a formal complaint against Midland Credit Management , IncXXXX ( Account Reference # XXXX ) for severe violations of my consumer rights. I requested debt validation under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Instead of complying with this legal requirement, Midland Credit Management , Inc. sent irrelevant verification documents that fail to meet the validation standards. This is a blatant attempt to mislead and deceive me. 

The company also unlawfully reported this account to credit bureaus without providing proper validation, violating 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ), and 15 USC 1681s-2 ( 7 ) ( A ). These actions have damaged my credit report and financial standing. 

Furthermore, despite my explicit directive to cease all communication, Midland Credit Management XXXX Inc. has continued to contact me, egregiously violating FDCPA 1692K. This persistent harassment, combined with their failure to validate the debt, demonstrates a flagrant disregard for consumer protection laws. 

I demand the immediate removal of this account from my credit reports. Midland Credit Management , Inc.s actions are not only unlawful but also deceptive and harmful. I expect the CFPB to take swift and decisive action against these violations.
Product: Credit reporting or other personal consumer reports

I was wondering why in the world is Credit Karma accessing my credit through soft inquiries. They have access my report 100 times from XX/XX/year> to this month of XX/XX/year>? I also have other companies accessing my report without my information and feel that is why I believe my credit report has been used incorrectly. 
Thank you for your help.
Product: Debt collection

Received phone call from a XXXX XXXX, representing First Financial Asset Management, located at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, GA XXXX. 

Before verifying my identity over the phone, XXXX XXXX began releasing medical debt information ( hospital, dates, patient info ). I had asked her to refrain from doing so, but she insisted that my identity was verified ( it was n't confirmed who she was speaking to ). I asked for a supervisor and the call was passed to a XXXX XXXX ( sic ) who then transferred me to his supervisor, XXXX XXXX. Throughout this call, my identity was not confirmed, but information was released with regards to the subject of their call.
Product: Checking or savings account

Today ( XXXX ) I was on the phone for the 8th time trying to access my accounts online ( This is a online bank only ) with Synchrony Bank. Yesterday Synchrony Bank was to Make a ticket for IT to contact me. Called back today and their was no record of it. Have made several calls since XXXX and each time get a different excuse. Please help because at this point wondering if they are solvent.
Product: Checking or savings account

On XX/XX/XXXX, I called PNC bank to close my checking, reserve, and savings account. The person I spoke to claimed that they could close my reserve and savings account but not my checking as there was a payment pending. They told me to call back once it had processed and I could close my account. I called again on the XXXX to be told that it still hadn't cleared and they could still not close my checking account. After double checking that there were no more pending transactions, I called on the XXXX and asked to close my checking account again. PNC told me that they could do that and we went through the process of closing my account, after which they confirmed that they would mail me a check for the remaining balance. I said that was fine and was under the belief that my checking account with them was officially closed. Days later, on XX/XX/XXXX, I received letters from PNC dated from XXXX XXXX that they had not closed my checking account despite asking and saying that I had wanted more time before closing it, which was a lie. I immediately called PNC and they claim that I said I did not want to close the account, despite having been assured that it was previously closed. Because they did not close my account, a random charge went through today ( XX/XX/XXXX ) and therefor my account was in the negative. They then claimed that they could not close my account with pending transactions and that I would accrue fees due to their oversight. I confirmed with them that when I called on the XXXX my account was in good standing and that even if it took XXXX hours to close the account that there were no outstanding pending transactions during this period so it should have been closed. While trying to fix this issue and speak with a manager, the PNC representative I was on the line with hung up on me. This lead me to go into my local branch and speak to the branch manager XXXX XXXX who claimed she also had no authority to close my account and that she would escalate a claim with their consumer relations department. I called PNC back again to attempt to close my account and they claimed they would try to rectify the situation but did not call me back at the end of the business day. At this point, my account will accrue continual overdraft fees due to PNCs error and refusal to close this account and all I want is this to be fixed. I would rather deal with collections than deal with the runaround from PNC for another second.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX Visa credit card # XXXX listed on my Experian credit report is lost/stolen. The balance of {$140.00} is all fraudulent charges and transactions due to my credit card being lost/stolen. The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020
Product: Checking or savings account

I noticed a charge on my account from XX/XX/XXXX from XXXX ; I dont have a XXXX subscription or account. I contacted XXXX and provided the information the requested, including current email address, alternate email address and also provided my XXXX email address. I told them I dont have an account with them and only once had a free trial that I ended before being charged. They researched and did not locate any account of mine, other than the free trial I told them about, that they confirmed was never charged. I also provided my sisters name and email address, as she used to have a XXXX account that was cancelled in XX/XX/XXXX, in the event that my card was linked to her account and was being charged beyond the cancellation. They obtained the last XXXX of my current debit card number, as well as my previous debit card number. The agent researched and said my cards were not linked or listed on my sisters closed account. They determined that these charges are fraudulent from some other party, and told me to contact my bank and provided a reference number. At this time, I located XXXX charges from XX/XX/XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, I contacted my bank to discuss the matter and file a claim. By this time, a XXXX charge was now pending. The agent asked for a list of charges, the date the charge was processed, date posted and amount of the charge. I worked backwards from XX/XX/XXXX to XX/XX/XXXX, as the XX/XX/XXXX charge was no longer showing. I realized that the history only goes back XXXX XXXX, so with the XXXX charge, it would only show as far back as XX/XX/XXXX. I decided to look further back and learned that these charges went back to XX/XX/XXXX. I provided the date each charge was processed, date posted and amount of the charge per the agents request. 

On XX/XX/XXXX, I received an update email from my bank that the claim had been denied because they were unable to locate the transactions I am disputing and determined I was not charged on XX/XX/XXXX. I have bank statements that show every single charge that I am disputing.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing issue regarding the late opening of my account. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. Upon reviewing my account records, it has come to my attention that the opening dates listed for my account is inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the account : XXXX XXXX Balance : {$20000.00}.
Product: Money transfer, virtual currency, or money service

I wish to practice my right as a customer of Chase Bank to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute ( XXXX ) with Chase Bank regarding a financial transaction that caused me significant financial and psychological harm. 

On XX/XX/XXXX, I made a wire transfer in the amount of {$41000.00} USD ( transaction number : XXXX ) for the purchase of a red XXXX XXXX XXXX. The payment was sent to XXXX XXXX XXXX of XXXX XXXX, XXXX, located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The contact details provided were as follows : phone number XXXX and website XXXX XXXX XXXX. 

However, it came to my attention that the account number to which I made the wire transfer belonged to a different company, which I was unaware of at the time. I expected Chase Bank to exercise due diligence and notify me that the beneficiary account did not match the invoice and was not the intended recipient. Unfortunately, no such notification was provided by Chase Bank and payment was executed without my knowledge or consent. 

When I contacted Chase Bank to request a refund, they have continually refused to give me a refund, claiming that they called me on XX/XX/XXXX to confirm the recipient. I can provide evidence from my call log that proves I never received a call from Chase Bank on that date. This discrepancy raises serious concerns about the accuracy of their claim. 

Please see the attached Photos for my proof of Chase Banks continuous lies.
Product: Credit card

Civil liability willfully and knowingly failed to follow their responsibility under the equal opportunity act, and the fair credit reporting act for failure to cancel account making it hard when they don't have my consent
Product: Mortgage

Around XX/XX/XXXX, I went into forbearance due to XXXX and lost my employment due to XXXX. My employer stated there was no work available when I returned, and I was working for a temporary employment agency at that time. I notified MrCooper Mortgage Company and went into forbearance. The forbearance was from XXXX - XX/XX/XXXX. They processed a loan modification by increasing my interest rate and adding XXXX more years to my mortgage loan. They also took an additional {$80000.00} from the unpaid principal which was not necessary. I was only on forbearance for XXXX months. They also increased my escrow amount. I am in the middle of applying for a mortgage assistance program in the State of Georgia to pay for the time I was in forbearance, and they told me to file a complaint because MrCooper is extremely over charging for the time I was in forbearance, and they are not going to submit any payments until this gets resolved. 

I have been in forbearance with a different mortgage company, XXXX during XXXX season in XXXX and they decreased my interest rate, nor did they add more years to mortgage loan. While I was forbearance for more than XXXX  months, XXXX only took about {$30000.00} from my unpaid balance. 

I truly believe MrCooper is abusing their power as a mortgage lender and taking advantage of homeowners.
Product: Credit reporting or other personal consumer reports

I recently pulled my consumer report and I found some inaccurate information. I have a credit account with XXXX that has reported late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is creating a financial hardship for as I am looking for to purchase XXXX new home.
Product: Credit reporting or other personal consumer reports

An unrecognized, possibly fraudulent account has been added to my credit report by XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX MI XXXX. The account is a XXXX XXXX XXXX  card with a balance due of {$1500.00}. I dispute that this debt is mine and that it is within the valid time frame to remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and Equifax both incorrectly reported that my SYNC account had an increase on my balance which it did not and has actually had TWO payments in the month of XXXX and XXXX. This incorrect reporting caused my credit score to go down!
Product: Credit card or prepaid card

Previously, I have asked to be removed from any and all pre-approved credit offers from CapitalOne. My name has been removed from pre-approved credit mailing list as confirmed by XXXX. CapitalOne continues to send preapproved credit offerings to me. 

I have asked them to remove my name, address, and all associated data, but they still send these offers to me. Because of identity theft in the past, I have had multiple accounts opened in my name. 

The CaptialOne mail offerings include 3 Easy steps for applying online with a personal confirmation code. 

CaptitalOne has no authorization to have my financial date or personal data. 

Please have CapitalOne remove all information regarding my personal data and confirm this in writing. 

Thank you. 

Best regards, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX at XXXX XXXX  I requested that my online account information be updated to reflect payment received on XX/XX/XXXX in the amount of {$1500.00}. Please see the attached verification from XXXX  XXXX XXXX that the transaction was completed on XX/XX/XXXX. Funds in the amount of {$1500.00} were transferred to Freedom Mortgage on XX/XX/XXXX. 

In addition please see verification from XXXX  XXXX XXXX of payment transaction in the amount of {$210.00} to be completed at XXXX on XX/XX/XXXX to satisfy the outstanding balance created by an increased escrow amount. 

It has been 15 days since Freedom Mortgage company has been in possession of {$1500.00} which was identified in the electronic transaction as payment on account XXXX. Failure to update their records to reflect an outstanding balance of less than {$200.00} dollars appears to be an intentional effort on to create a default on my loan. 

When searching for a means to contact the company electronically to provide evidence of payment I located the email customercare XXXX XXXX. Emails sent to that address were returned with a message indicating unauthorized to send to this address. Information available when speaking to a representative reflects that a payment has not been received in XXXX although the company received payment of {$1500.00}. Another payment in the amount on {$200.00} has been scheduled to be electronically transferred within less than XXXX hours. 

The company is creating a situation wherein their records reflect that I have not made any payments since XXXX and I am potentially at risk of having defaulted on my loan. Once that process has begun I will be charged late fees and experience difficulties in satisfying my financial responsibility to the company.
Product: Debt collection

Company that bought my account was charged all kind interest rates XXXX XXXX {$1000.00} another XXXXXXXX XXXX XXXXXXXX my balance was {$97.00} XX/XX/XXXX was paying {$10.00} a month next bill was {$300.00} but payment was automatic from bank.They stopped I didnt break my agreement they didnt. Another account XXXX XXXXXXXX {$87.00} XX/XX/XXXX jump to {$290.00} keep going XXXX XXXXXXXX was {$100.00} XX/XX/XXXX it bump because of interest {$310.00}. Thinking that it was paid in and out hospital. XXXX coming from by bank still with same bank. Trying to get car realized this.Yes I said thats not me because in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I knew I didnt owe that but was its interest a late fees all continue get monthy payment. What I owe should have been paid by now.
Product: Credit card

On 2 occasions this company collected my payment related to the balance on my account and refused to apply the funds to my available balance. This second time the deceptive business practice caused me to miss other payments made from this account to other merchants. Again I made payments on the account and have had to call the customer support agent - 5 days after my payment posted - in order to get the credit on my account for the payment. This is an unfair and deceptive business practice. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Company name : XXXX/XXXX on XX/XX/XXXX.  I did not apply for any services from XXXX. I do not know who has my information but I did not authorize this. 

2. Company Name : XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. I was in the process of buying a home and could not apply for anything at all. 
3. Company Name : XXXX XXXX/ XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. 
4. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services and did not authorize this. 
5. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services with this company nor did I authorize this. 
6. Paid Tax lien of {$64.00} from XX/XX/XXXX. I spoke with a rep from XXXX about this and they refused to help. This was removed from my other credit reports and they would not let me explain anything or try to resolve this issue. My other Paid tax lien for a larger amount was removed with out a problem. 

Any my address is definitely incorrect.
Product: Credit reporting or other personal consumer reports

Per section 1681 ( b ) I am allowed to dispute ANY AND ALL INNACURATE information being reported on my credit report. I have called as requested and disputed online, sent proof of identification and Experian, XXXX, and XXXX continue to ask for the same thing without properly investigating. I am very aware of whats happening and using an EOSCAR SYSTEM TO VERIFY AND INVESTIGATE SERIOUS MATTERS IS NOT SUBSTANTIAL. I am allowed to know how information is being verified and by who to ensure fair and accurate reporting. My consumer rights have been violated per 1681 ( b ) 15 U.S.C1692, and statutory damages have been caused! I am asking for a thorough investigation of my report in 4 days. These matters will be escalated legally!! Please review all attached documents
Product: Student loan

I called and spoke with several different people over the years, and I received a different story from each with no real resolution. I have no way to afford the payments, and they continue to triple in amounts. I was at one time told I didn't qualify for lower payment and that I should borrow from family to start paying the way. I feel alone in this and at this time in my life being XXXX XXXX XXXX I will probably take this to the other side, I am just tired of fighting a losing battle with XXXX.
Product: Checking or savings account

Lets start by saying I couldnt request any information because they locked my account while I was on the phone with them so I could get off the phone. The call center for Bank of America is do a lot of fraud! Im closing my account & suggesting to others to close their accounts until Bank of America is going out of business! I was dealing with a death & my account was compromised! The bank did not alert me while having all forms of contact for me! I called to see what was the issues first off XXXX XXXX XXXX of the Fraud center DID NOT have any account! IVE BEEN BANKING WITH THEM FOR XXXX YEARS! 
They kept insisting like I was a scam caller asking for an account! XXXX I bring thousands of dollars in this bank that also contributes to their striving banking community to be treated like XXXX! These males who are more invested in their sexuality then learning how to be a customer service worker that they applied for! Instead of wanting to be someone they are not after locking my account has no mannerable way of speaking to customers that they helped loose my money! Then after calling back XXXX also another person confused on their selves had another problem with knowing how to help a customer! 

Point is after having to deal with the XXXX COMMUNITY JUST TO GET TO MY ACCOUNT THAT WAS STOLEN IS NOT HELPING THE BANK TO KEEP CUSTOMERS TO STICK WITH YOU! Im reporting the company on all platforms! I have been in distress about loosing my {$1500.00} & they DID NOT MAKE IT ANY BETTER!
Product: Credit reporting or other personal consumer reports

I had a credit card with Chase that was opened in XX/XX/XXXX and closed and charged off XXXX of XXXX by creditor. The account started reporting 120 days late for 3 months from XX/XX/XXXX- XX/XX/XXXX however it was closed in XX/XX/XXXX. In XXXX of XXXX to XXXX of XXXX the account was showing charged off, as chase uses their own collection company, they reopened the account showing that it was in good standing in XXXX of XXXX to XXXX of XXXX. Now as of XX/XX/XXXX this account is reporting as a charge off again. Reached out to Chase to see what was going on with the card and the rep that was on phone stated that they would continue to reopen account and charge it off so that it will continue to lower my score as that is their way of trying to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple FRAUDULENT hard inquiries Transunion and XXXX will not delete these off of my credit report According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 



TRANSUNION XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen a few years ago and I have been trying to get this information deleted from my credit report since that time. I did not open these accounts listed on this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1300.00} ; XXXX XXXXXXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$2500.00} ; XXXX XXXX XXXX Balance {$28000.00} XXXX XXXX XXXXXXXX Balance {$16.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$36000.00}.
Product: Debt collection

Fraudulent accounts was opened under my name in the past without my authorization or knowledge and they are now being reported on my credit report like new ones. I am unaware of this account.