23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a complaint against Midland Credit Management ( MCM ) for their failure to validate a debt as required by federal law and for continuing collection efforts in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint Alleged Debt Information : On XX/XX/year> I received a collection notice from Midland Credit Management, claiming I owed [ amount ]. 
On [ date ], I sent a written request to MCM for validation of the alleged debt under FDCPA Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ). I requested proof of the following : That the debt is valid. 
That I owe the alleged amount. 
Midland Credit Management is authorized to collect the debt. 
Midland Credit Management has failed to provide the requested validation or any supporting documentation. 
Unlawful Actions by Midland Credit Management : Failure to Validate Debt : MCM did not provide the legally required documentation to substantiate the debt. 
Continued XXXX Efforts : MCM continued collection activities, including contacting me and reporting the debt to credit bureaus, in violation of FDCPA Section 809 ( b ).

Potential FCRA Violations : Reporting an unvalidated and potentially inaccurate debt to credit bureaus violates FCRA Sections 623 ( a ) ( 1 ) ( furnishing accurate information ) and 623 ( a ) ( 5 ) ( handling of disputed information ).

Legal Basis for Complaint FDCPA Section 809 ( b ) : Debt collectors must cease collection activities until the debt is validated after a consumer disputes it in writing.

FCRA Sections 623 ( a ) ( 1 ) and 623 ( a ) ( 5 ) : Credit furnishers must ensure the accuracy of information they report to credit bureaus and must investigate disputes promptly and thoroughly. 
Impact on XXXX Midland Credit Managements actions have caused undue stress, harmed my credit score, and violated my rights as a consumer. Their refusal to validate the debt while continuing collection efforts has been both distressing and unlawful.
Product: Mortgage

I am attempting to have a payoff amount quoted to me via either phone, or online. At this point I have been informed that this is impossible and that the only way I can obtain this pay off amount will be via regular mail. This is consumer fraud because as a customer who desires to pay the amount owed today, I must wait several days, possibly a week because their corporate office is located in Texas. In the meantime interest is accruing of which I still must pay while waiting for the payoff amount. This company needs to be informed that this type of consumer fraud and I believe irregularity which does not conform to the law stating as a consumer I should be able to obtain a payoff figure when I desire to pay off the amount owed and not have to wait.
Product: Credit reporting 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. 
ACCOUNT ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 conviction 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

I am requesting that the following accounts and inquiries be removed from my credit report immediately. These accounts do not belong to me and I did not authorize the follow inquires/creditors to obtain a copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$7600.00} Good XXXX Last reported : XX/XX/XXXX {$990.00} Good XXXXNeeds Attention Last reported : XX/XX/XXXX {$780.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$670.00} 30-59 Days Late XXXX/XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$560.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$540.00} 30-59 Days Late XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$450.00} 30-59 Days Late XXXX/XXXX XXXX Last reported : XX/XX/XXXX {$280.00} Good XXXX/XXXX Last reported : XX/XX/XXXX {$240.00} Good XXXX/XXXX Last reported : XX/XX/XXXX Other Loans : OTHER LOANS XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$8400.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$7200.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$6000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$5300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4500.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3100.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2200.00} Good XXXX XXXX/XXXX Last reported : XX/XX/XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage - Balance {$5200.00} Balance Updated XX/XX/XXXX Original Balance {$5300.00} Monthly Payment {$160.00} Past Due Amount {$520.00} Highest Balance - Terms 32 Months Responsibility Individual {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX Closed Account : XXXX XXXX {$140.00} Credit inquires : XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting

I disputed XXXX tax liens placed by the Idaho XXXX XXXX XXXX for taxes that I did not owe. This is damaging my credit tremendously. I should not have to pay the price for the Idaho XXXX XXXX XXXX overly aggressive and abusive actions. Transunions investigation left the items as accurate.
Product: Credit reporting or other personal consumer reports

Spotted errors in my credit report : late payments that dont fit my history. Kindly rectify and update.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX {$290.00} XX/XX/XXXX XXXX  XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX {$930.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX {$780.00} XX/XX/XXXX XXXX 
INQUIRIES 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I XXXX & # XXXX ; t understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I submitted a dispute to Trans Union regarding 'hard ' inquiries that showed up on my Trans Union credit report. Trans Union has spent the last 5 months refusing to investigate the dispute. Despite having a legal duty to investigate the dispute, Trans Union has continued to refuse to investigate my disputes. They have sent me boilerplate letters instructing me that if I want an investigation completed, I need to take my grievance to the companies who pulled the reports. 

On XX/XX/XXXX, following months of stonewalling by Trans Unions, I submitted a complaint to your office. See Complaint No. XXXX. On XX/XX/XXXX, Trans Union, for the first time, acknowledged that Trans Union had a duty to investigate my dispute. They also informed this office that " Consumer Relations will enter [ my ] dispute into [ Trans Unions ] system and review all information and any additional documentation you provide to determine next steps ''. 

On XX/XX/XXXX, I received a letter in the mail from Trans Union indicating that they would not continue processing my dispute. They cited identity issues but they have been provided the exact identity documentation that they are requesting I provide. 

Since I have given Trans Union what documentation they claim to need, I can only construe this as a constructive refusal to investigate my dispute.
Product: Credit card or prepaid card

After almost 9 months, it appears I have finally received the long sought XXXX XXXX XXXX charge back from Citicard. 

On XX/XX/2020, I wrote Citicard and requested the {$28000.00} charge back. Fully one month later, Citicard wrote and requested additional information. I provided the additional information in a letter to Citicard dated XX/XX/2020, and received by Citicard on XX/XX/2020. Then months of no action on the part of Citicard. I wrote Citicard again on XX/XX/2020, to request the status of the charge back. Regrettably, I did not receive even the courtesy of a response from Citicard. On XX/XX/2020, I called Citicard regarding the charge back and was told I would receive a written response from Citicard within 7-10 business days. Again, no response was received from Citicard. On XX/XX/2020, I again wrote Citicard, and again I received no response from Citicard. Only after filing a complaint with the CFPB did Citicard finally respond and issue a conditional credit ( on XX/XX/2020 ). As noted above, this credit appears to have finally been disbursed to me on XX/XX/2020. 

In my letter to Citicard dated XX/XX/2020, I specifically requested that Citicard inform me of the steps it had taken to pursue this charge back. As noted above, I did not receive a response to that letter and can only conclude from Citicards silence, that from XX/XX/2020, until on or about XX/XX/2020, after I filed my complaint with the CFPB, Citicard did not act on the charge back. Meanwhile, Im out {$28000.00} and having to write monthly checks to Citicard for charge purchases.
Product: Credit reporting or other personal consumer reports

FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurately reported, with incorrect amounts and dates.
Product: Debt collection

Hello, my deceased mother has a lien on property that I inherited I am aware that the lien is in place in the name of her. However, it has been well over 20 years, The judgement was place back in 2002 based on the records they provided. I was XXXX at the time. I shouldn't be liable to pay this debt by practicing Georgias statute of limitations, I thought it was 7 years, and because that have not provided me with the original documents of evidence, as well as the claim against said party is deceased, I am requesting a release/removal of the lien.
Product: Debt collection

This account should no longer be on my report it exceeds the statue of limitations in the state of Maryland and according to the law must be removed for multiple reasons, debt cant be validated
Product: Checking or savings account

On XX/XX/XXXX around XXXX I went to the atm machine at US Bank and tried withdrawing money. I tried taking out XXXX $ and the machine said hardware malfunction and that my account would NOT reflect this transaction. Did not give me the money and my account is XXXX $ now. Called that branch and they said they are not responsible for it. This happened to 4 other people while I was there trying to resolve it. Called the bank the next day, and again they said everything is fine with the atm machine and could not help me. US Bank is taking unemployment money from people!!!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have a home mortgage with Suntrust Bank. They keep emailing me sensitive private information via unsecured email. This creates a risk that I can have my identity stolen or became a victim of a fraud. I attach a screenshot of an excerpt of such an email, in which I manually redacted out the said sensitive private information. I have already requested that they stop doing so, and I was told that they would stop, but they keep emailing me said sensitive private information via unsecured email. 

I filed a complaint with CFBP, case number XXXX. 

The Company replied that they removed my email address form their system and that I would not receive any emails from them.

As a result, CFBP closed my complaint. 

However, despite what the compamy replied, I received earlier today the same message as before emailed to me at my email address that they claimed they removed from their system. 

I attach a screenshot of an excerpt of such an email, in which I manually redacted out the said sensitive private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Submitting this complaint because illegal practices were preformed and despite numerous attempts this debt has not been verified or validated. Amounts have been changed the account has been removed and re added without any written reasons why or that it was being re added, i have 3 120 day late payments i can see but this is not the original creditor so any extra fees and late payments or not valid as i never made a payment and have been disputing this for years. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00} In XX/XX/XXXX Account Was Removed and Re Added on The Same Day XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX has a 120 Day Late Payment. I Never Made a Payment Arrangement and I Have Never Made any Payments To This Company It is a Highly illegal Practice I asked to both validate and verify amounts owed, the breakdown of why i owe these amounts, proof that i am responsible for this debt, a contract with my signature on it and have yet to get any response or validation or verification but they say account has been verified how was this done also throughout this entire process they close then open the account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account  # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Almost month and half ago I got an Annual Account Disclosure Statement from Statebridge Company. Me and my husband noticed an error in calculating of a shortage of my escrow account.   Statebridge wrote d own   XXXX   XXXX    you - {$2800.00} twice i n  XX/XX/XXXX  and  XX/XX/XXXX  in  st ead once only. This error has been corrected a few days ago, but we have gotten bigger problem now.   Statebridge wants us to pay a cushion of {$2000.00}. We spoke already with Statebridge representatives and sent numerous emails to  Escrow  Department, but they did n't want to remove it.   The cushion is big difference for us, it is {$170.00} more than our monthly payment. We can not afford it, because we have to pay a shortage of {$460.00} and Anticipated Payments to escrow of {$1300.00}. In addition,  in  XX/XX/XXXX  our princip  al payment will be raised to 4.75 %, so our monthly payment will go up to {$3200.00} - {$500.0 0} more than we pay now. We would never apply for such loan or be accepted by a mortgage company.   Under RESPA Statue a lender is not required to maintain a cushion. We have never paid a cushion in the past. This is a modification loan, issued by  XXXX  and transferred to  Statebridge for servicing only. Also, we called Statebridge to pay off  our current escrow balance - {$460.00}, but the representatives did not want to accept it.   We would like to make payments on time like before, and in our opinion the cushion is not necessary. Our property tax fo r  XX/XX/XXXX / XX/XX/XXXX  will be low er than previo us one. Enclo sed a letter from    XXXX   XXXX   XXXX  ,  signed by the mayor of  XXXX , that our city tax rate will be much lower than current  one. It goes down to 3.29, so 2.6 % lower than current 3.38 one. Also  you can see our tax assessment fo r  XX/XX/XXXX . Acc ording to our calculation, if  Statebridge  does not set up a cushion, we should get a credit for next period.   We would like to be good customers, pay our monthly payments on time, this is good for a mortgage company too.   We think there is no reason to set up a cushion for us. It seems that Statebridge Company wants to collect extra money from us.   But we hope, we can solve this problem together.   Thank you,  XXXX   XXXX
Product: Mortgage

This is a continuation of XXXX # : XXXX COMPLAINT ID XXXX XXXX TMS  wrote me claiming claiming that they resolved part of the problem they caused but is still trying to stick me with the XXXX XX/XX/2022. 

Meanwhile when myself and the insurance agent called TMS, there representative discovered and informed us that they were sending the payment to a different property address. As a result, they didnt make the payment for the right address hence the lapse. 

TMS is trying to falsely make me responsible for their mistakes.