23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My process that leaded me to this complaint I was getting harassing calls from these collections companies, and emails, plus mail that I was giving them payments when there was no payments done. What so ever by my part.

I explained the collection companies I was in the do not call list which I attached to this complaint and the calls went from 3 per day per account to Monday to Weekends very early in the morning to XXXX. 6 times per account and per day.

I printed my credit report.

I saw that this collection company.

Midland Credit Management has 1 account under open, under collection, and wrong information of the debts was in my credit report. Depts were closed by the original
creditor and mentioned to me that they were Charge off. Place of loss to the taxes and send 1099 's Midland Credit Management has ; Account Information : Midland Credit Management Creditor Name : XXXX XXXX  Account Number : XXXX Balance : {$540.00} I asked for the collection company to verify my information, the dept, to send me proof I did a contract with them, proof of my social security, my address last payment done, that they own the dept and could collect on the behalf of the creditor.

Base on Inaccurate Information Pursuant to 15 U.S.C.

In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the dispute information I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary.

If after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verify, I expect the prompt removal or correction of the disputed item from my credit report.

Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

its being reported on my credit report i filed a bankruptcy when i have not causing accounts to be closed and my credit dropping over a 100 points! this caused me to lose my credit standing and i no longer qualify for a home loan
Product: Credit card or prepaid card

I spoke with XXXX in Virgina ID # XXXX who stated she was a supervisor for Quicksilver Capital One Card, that I was not allowed to escalate the call any further and that she could not give me the name or the employee # of the supervisor who told her she was not allowed to due a 1 time credit adjustment for the amount of around {$48.00}. I received a 0 % interest on this card over 12-16 months ago. She admitted we were on a recorded line, that I had made every payment on time and that I made over my minimum payments each time. She also admitted that other than in the terms and conditions originally sent out with the credit card over a year ago there was no heads up on the statement that 0 % interest was ending in XXXX. I asked her if she would do a one time reversal of the accrued interest and I would pay the card off next month, she refused. I told her every other credit card I've ever had gave you notice on your statement of when the 0 % interest was expiring she admitted again that they only do it in the beginning. I thought it was terrible customer svc that in the last 12-16 months I made over the minimum payment amount there was no warning of exp and they refused to give me a one time credit, not to mention I also am owed {$9.00} in credit rewards. I thought by law they had to notify you when 0 % was expiring on your statements just like every other credit card. It just seemed like under the circumstances the customer service was terrible and unnecessary.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was cl
early a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I CAN NOT BELIEVE HOW XXXX STUPID PEOPLE AT TRANSUNION CAN BE. 

THE ORIGINAL PROBLEM IS A CHRONIC ONE -- EACH TIME I RETURN TO THEIR SITE MY PASSWORD DOES NOT WORK AND THIS LAST TIME I COULD NOT EVEN CHANGE THE XXXX THING. 

AFTER I MADE A COMPLAINT HERE, THESE BOZOS EMAILED -- YES, EMAILED -- A PASSWORD THEY CREATED TO ME ( I HAVE THE EMAIL ) THEY CREATED THIS, THEY JUST SENT IT BY EMAIL, NO EFFORT TO ENCRYPT IT, DISGUISE IT, NOTHING. 

THIS JUST SHOWS 1 ) HOW THEY FAIL TO TAKE ANY PROBLEM THEY CREATE SERIOUSLY. THESE PEOPLE VIOLATED MY PRIVACY, THEY ENDANGERED MY PRIVACY AND THEY SHOW THEY ARE SO CAVALIER ABOUT THEIR STUPID WEBSITE AND ITS FAILURES. I GUARANTEE YOU, I HAVE MANY PASSWORDS AND EACH TIME I NEED TO USE THEM, THEY WORK UNTIL I UPDATE THEM. 

THESE ARROGANT AND STUPID PEOPLE AT TRANSUNION EITHER THINK I AM STUPID OR THEY ARE STUPID BECAUSE NOBODY WHO HAS ANY COMMON SENSE ABOUT THE INTERNET AND EMAIL WOULD EVER EVER EVER JUST EMAIL A PASSWORD WHICH ANYONE CAN SEE OR GET AND LET 'S BE REAL, IT IS THE MOST INSECURE WAY TO SEND INFORMATION. 
THEN, TO ADD INSULT TO INJURY, THE STUPID TRANSUNION PEOPLE BLEW ME OFF WHEN I TOLD THEM I DID NOT GIVE XXXX  XXXX PERMISSION TO MAKE AN INQUIRY ON MY CREDIT REPORT. YES I DID GIVE XXXX  PERMISSION, YES I DID GIVE XXXX BUT ONLY TWO AND THESE TRANSUNION PEOPLE JUST BLEW ME OFF AND SAID GO TO THE POLICE. WHAT THE XXXX IS WRONG WITH THEM? 
I WANT THAT OFF MY CREDIT REPORT AND ANY PENALTY OR DROP IN SCORES DUE TO THAT BE REVERSED. I DO NOT SEE XXXX XXXX ON ANY OF THE OTHERS. AND IN FACT, THE OTHER TWO ARE SOOOOOOOOOOO MUCH EASIER TO WORK WITH. 
I HAVE MY PASSWORDS I KEEP SAFE, I LIVE ALONE, AND UNLESS MY CAT IS INTERESTED IN MY CREDIT REPORTS, NO ONE HAS ACCESS. 
THIS HAS SO ANGERED ME NOT ONLY THEIR ATTITUDE OF BLOWING OFF PEOPLE, THEIR LAX PROTECTION OF MY CREDIT REPORT BUT TO EMAIL ME EMAIL ME A PASS WORD. THIS SHOWS THEY THINK THIS TO BE OH SO BOTHERSOME TO THEM WHEN THEY SHOULD BE SERIOUSLY CONCERNED ABOUT WHY THEIR XXXX WEBSITE CONSTANTLY HAS A PROBLEM WITH KEEPING THE PASSWORDS OKAY OR WONDER WHY THEY DO NOT WORK. 
EITHER SOMEONE ALWAYS TRIES TO HACK THESE PEOPLE AND THE PASSWORDS STOP WORKING OR SOMETHING ELSE IS WRONG AND SENDING ME A PASSWORD XXXX EMAIL IS BEYOND STUPID. 
WHAT IF I COULD NOT GET TO MY EMAIL FOR A FEW DAYS? 
WHAT IF SOMEONE ELSE SHARED THIS EMAIL OR GOT INTO IT? 
I WANT 1 ) THE HIT ON MY CREDIT REPORT FROM XXXX XXXX REMOVED AS I WOULD NEVER ASK THEM FOR CREDIT IN A MILLION YEARS AND 2 ) TRANSUNION PUNISHED FOR THEIR LAX ATTITUDE TOWARD MY PRIVACY. IF THEY DO IT TO ME, THEY DO IT TO OTHERS.
Product: Mortgage

Chase started an escrow account for my condo association insurance. To be clear, they placed an escrow on my account to require me to pay escrow for the entire building. Last year they asked me for proof of coverage and I submitted the condo association policy, which covers my unit, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX and the three other units in the building. 

I have called repeatedly. Their people are uninformed and rude. No bank is allowed to effectively force place insurance for an association on a mortgage customer who only owns one unit. They are supposed to confirm that I have coverage. I have coverage through my condo association and I have an excess coverage policy. 

Chase has caused me significant stress and strain, because they do not know how to service flood insurance. The front line team and the escalation team ignore communications. I have sent them supporting documentation and they ignore it. Finally, customers who do agree to escrow on mortgage are given discounts. I don't have any discounts and all insurance on my home has been paid in full. I need Chase to give me back my money and fix this so it doesn't happen again. Dealing with Chase on this matter has been exhausting
Product: Student loan

I have never received an education loan. This is not my account. According to my credit reports, an education/installment loan was opened on XX/XX/2011 for {$3500.00}. The original creditor 's name is not listed, and there are two different addresses listed for the contact info. On my XXXX credit report the address is XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX. On my XXXX report the address is XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX. Neither of the addresses match the address listed on the official US Department of Education website, which is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I called the phone number that was listed on my XXXX report, and it forwarded me to a collection company called Action Financial Services , LLC. I do not know what company this is reporting this loan to the credit bureaus but it is not mine and it is inaccurate.
Product: Checking or savings account

On XX/XX/2018, attempted to close my business checking account at this institution via phone call. During the call, I was asked to verify the business address and provided the address for my business and the address used at the time of account opening in XX/XX/2018. Upon providing my address, rep informed me that address was incorrect. After a review of my statements ( which are received electronically ), noticed that at some point in XX/XX/XXXX or XX/XX/2018, this financial institution changed the address on my account, without authorization or notification. At no time did I make a request that the address on the account be modified or changed.
Product: Debt collection

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Experian Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought out into my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXXXX/XX/2023
Product: Student loan

Thousands of students were scammed by XXXX into taking out predatory private loans to attend for profit online schools such as the one I attended, ( insert your school here ). As a matter of fact, ( school name ) was investigated by ( insert your story here ). 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as ( your school ), I was able to file a Borrower Defense claim with the Dept. of Education against ( your school ), and my Fed. loans of ( $ dollar amount ) were discharged and my credit repaired.

My Borrower Defense Claim was also part of the XXXX XXXX XXXX settlement for which I was a full class member. 
I am aware that XXXX was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that XXXX XXXX were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for XXXX, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't XXXX also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXX have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which XXXX is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? XXXX knows who we are. Under the FTC " Holder Rule '' XXXX is liable for giving predatory loans in connection with online for-profit schools. Time is running out for XXXX to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator Elizabeth Warren has sent a letter to XXXX 's CEO asking to discharge these loans NOW! It's time XXXX do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Credit card

My payment was late one day ( due XX/XX/2023 but paid XX/XX/2023 because I forgot to schedule payment ) which led to a {$29.00} late fee and interest on the balance of {$43.00}. For a one day late payment that is a bit rich but okay I paid and request to have the late fee waived and ultimately get denied. Fine, I thought the issue is over. I see a new interest charge on XX/XX/XXXX due to this late payment which seems wrong so I ask for clarification. They tell me " Now whenever the statement balance is not received in full by the due date you loose 25 days grace period and the interest is billed on the new charges because of which 2nd interest of {$32.00} was billed. '' This is coded in vague language so I check my posted payment history and it is inconsistent with my scheduled payments ( {$1200.00} on their app versus {$1200.00} via email confirmation for payment due XX/XX/2023 ). Something is not right when a credit card company can charge two interest payments for a payment that is one day late ( and a manipulated payment amount that is inconsistent with my payment ). I have screenshots and other points of evidence that I can submit to show this credit card company needs to be reviewed for it's shady business practices.
Product: Debt collection

I PAID XXXX OF XXXX CLOSE TO XXXX IN OUT OF POCKET EXPERIENCES. I TOLD THEM BEFORE CONTINUING TO MOVE FORWARD WITH ANY SERVICES MAKE SURE EVERYTHING WAS BECAUSE I DON'T WANT NO HIDDEN POP UP COST. THEY REASSURED THAT THERE IS XXXX DOLLARS OWED. NOW THEY ARE SENDING FALSE SOLICITATIONS ABOUT MONEY OWED. I DON'T OWE GEORGE BROWN ASSOCIATES INC AS THEY DO NOT OWN THE CHAIN OF TITLE TO THE DEBT AND I DIDN'T ALLOW THEM TO HAVE ACCESS TO ANY OF MY PERSONAL INFORMATION. THERE ARE VIOLATION ON THE FAIR DEBT CREDIT LAWS. THIS COMPANY NEED TO CEASE AN DESIST ANY FURTHER COMMUNICATION VIA US POSTAL SERVICE OR ANY OTHER FORM OF COMMUNICATIONS. IF THEY REPORT ON ANY 3 CREDIT BUREAU AGENCY THEY ARE ASSUMING LIABLE DAMAGES FOR {$2000.00} PER DAY FOR FRAUD AND HIPPA VIOLATIONS. I HAVE FILED A CFPB COMPLAINT ON XXXX OF XXXX AND CFPB REFERRED THE COMPLAINT TO ANOTHER DEPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

Back in XXXX of 2023 an unauthorized wire transfer was performed on my account with Wells Fargo ( someone hacked my bank account ). I did not authorize this and called bank immediately telling them this. Bank is saying that there was no money to recover from the other end so they will not return my money. I don't understand why this is since my money should've been insured. I have filed a case with the XXXX XXXX Department and charges have been filed, but no one has been apprehended.
Product: Debt collection

I am writing to dispute the following information in my credit report. I have reviewed my credit report from your bureau and found several inaccuracies that I believe need to be corrected under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). 

The information I am disputing is as follows : **Account Information 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 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 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 {$11000.00} This information is inaccurate for the following reasons : 1. **High Balance : ** Incorrectly reported as {$12000.00}.

2. **Date of Last Activity : ** Conflicting dates with other credit bureaus. 
XXXX. **Date Reported : ** Different across TransUnion XXXX XXXX, and XXXX XXXX 
XXXX. **Account Description and Status : ** Various discrepancies and unresolved disputes reported inaccurately. 

Please find attached copies of my credit report from XXXX, XXXX, and TransUnion, highlighting the discrepancies in the information reported by each bureau. I have also included copies of any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to this matter.
Product: Mortgage

First off, it was a nightmare ordering and receiving a payoff statement from them. After closing, the title company wired the funds to payoff the HELOC. The wire was sent on Monday, XXXX XXXX, XXXX  at XXXX p.m. To this date, it is still not showing that I have a {$0.00} balance. I've called several times. Their customer service representatives are rude and not helpful. In " verifying '' my identity, I answered XXXX. XXXX questions for them. The last question was to verify my email address. I have only had XXXX email addresses in my life. She kept asking me if I had any other email addresses. I responded NO. She then said she couldn't verify my identity and would not be able to help me. I've called over and over again and get the same rude, disrespectful representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts and the the accounts came back as verified. When I tried to dispute the information again due to it being correct I was informed that I could not dispute it because it had been verified.