23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management was sent a certified letter in XX/XX/XXXX asking them to verify whatever debt they alleged was owed and a notice to stop all communication attempts aside from mail. USPS verified they received that notice and request on XXXX. Midland Credit Management ignored that request by never responding to the request, which is allotted to consumers under the Fair Debt Collection Practices Act, and continued to harass the alleged debtor. 

Please see below for an exert of direct communication ( the first paragraph was included in the XX/XX/XXXX certified letter and pasted into the second certified letter sent XX/XX/XXXX ), sent via another certified letter to Midland, on XXXX : The alleged debtor would also like to request, in writing, that no telephone contact by your office or affiliates to any contact number your company or affiliates associated with the alleged debtor. This includes personal and employment information. If your offices attempt telephone communication, it will be considered harassment and the alleged debtor will have no choice but to file a complaint. All future communications with the alleged debtor must be done in writing. 

Since receiving the accused debtor communication in XX/XX/XXXX, Midland Credit Management has attempted telephonic contact at least seven different times : XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST '' Since sending them the 2nd certified letter, confirmed delivered by USPS on XXXX, Midland has again continued the harassment of the alleged debtor and has attempted to call at least four more times : XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST. 

Midland Credit Management has broken the law twice regarding this case and still continues their harassment. The alleged debtor has all documents sent to and requested of Midland, tracking numbers, certification documents from USPS that the letters were received by their company, and phone records to prove all allegations.

The alleged debtor has two certified letter confirmations that they received the request for debt validation and to cease all communication attempts unless via mail and Midland continues without any regard for the law. 

This company needs to be stopped or held liable in a court of law. 

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

About a week and a half ago I called Regions Bank to close my account as I no longer live near a branch. The first representative told me I could only close an account in person and when I told her that wasnt possible she hung up on me. I called back and the second representative told me I could close the account by phone once the balance was under {$1000.00}. I then went through their verification for my other XXXX XXXX  account so I could make a direct transfer of the remaining funds. Once the other bank was verified I proceeded to try and withdraw the money. They blocked the withdrawal. So I called a THIRD time and they told me that they couldnt remove the block without me going to a branch. I explained AGAIN that I lived almost XXXX miles from the closest branch and wasnt making an XXXX roundtrip journey. I asked to talk to a supervisor. The representative first told I couldn't speak to anyone else. I kept insisting, so she tried EIGHT times to put me through to someone who could help me. After 45 minutes on the phone we both gave up. About 2 hours later they then RESCINDED my verification I had already completed, then blocked all online access to my account. I couldn't even check my balance or transactions. I called for a FOURTH time, this time to remove the block on my online account and they told me they couldnt give me access without going to a branch, because they couldnt verify my identity. This was after they had taken me through two levels of security questions, the second including the street I lived on almost 25 years ago and the age range of my ex-husband. I was left with no other option but to withdraw the money from the ATM, costing me {$5.00} for each withdrawal for a total of {$35.00} in fees, when I could have made a direct transfer for only {$3.00}. They have FINALLY closed my account after two more calls, bringing me to 6 CALLS and 7 trips to the ATM in order to close my account, all of this to withdraw less than {$2000.00}. Insane.
Product: Money transfer, virtual currency, or money service

On or around XXXXXXXX XXXX I had XXXX to the wrong person via Zelle I tried contacting the person to no avail I was left trying to contact reach Zelle for help and was told there wasnt anything they could do, I asked them how is it I cant cancel the funds they said there wasnt a way to do it and I needed to try and contact the owner of the number. After explaining I couldnt reach anyone at that number I was outta luck left holding my head wondering how was it they couldnt do anything to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps reporting false claims, first the debt isnt mine they reported incorrect home address they fixed it after a month or two. How can it be my debt if they didnt have the right address? The claim I have an open debt of XXXX $ and I dont know why. Keep giving them proof and documents its not mine after reporting false info and still didnt remove it from the report through experian, transunion XXXX and equifax and significantly bringing down my score over XXXX points! In less than a month! The collection agency is violating my rights, under the no surprise act of 2022 they have no personal information of me, no signature, no informative bills, no pic ID, they are an out of network provider charging me with out my prior authorization they have no detailed information about that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is selling deceptive information to XXXX, XXXX, & Equifax who are then publishing this information on my consumer report. This debt has not been validated as belonging to me and I havent received any evidence to prove it is mine. This debt has also been canceled with the IRS and reported as income so it can not be reported onto my consumer report.
Product: Debt collection

On SundayXXXX XXXX XXXX XXXX I received a notification from XXXX stating that my credit score has decreased significantly. When I checked the account, there was a bill that had been sent to collections in my name. The amount due was {$1700.00} for an unknown bill. I called the collections agency this morning and found out the bill was from XXXX XXXX. I have and never had an account of any kind in my name with them. After speaking with XXXXXXXX XXXX fraud department, I was prompted to contact the FTC and file a claim, file a police report and return the information to them before disputing anything.
Product: Debt collection

I reported to XXXX several times that the final bill was incorrect. The equipment charge for almost XXXX was incorrect, because the equipment was returned to their customer service store at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. They refused to correct the bill, and after reported them this past year, they resold the bill to another collection agency Credit Management LP. I would to request an investigation into their dishonest buisness practices, and falsely stating records on my credit report over the past 5 years. I would like other customers to beware of their dishonesty, and to know of their extremely unprofessional buisness practices.
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 Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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: Mortgage

The loan officer XXXX XXXX ( NMLS # XXXX ) with PennyMac Loan Services , LLC is not responding to my emails, phone calls for the past 10 days. I have provided all the documents he requested but now I have no idea what is happening with my refinance application. This I think is very irresponsible that you ask a customer to bend over backwards and provide all that is needed and you just disappear! As a consumer I feel violated as I did my part and this guy has no courtesy to even respond.
Product: Debt collection

Pioneer Credit Recovery has lied about its own practices. They told me that in order to set up a payment plan I had to give them tons of information about our finances, including other debts, income, utilities, etc. After this, they refused to give us a payment plan other than " pay half this month, half next month '' and refused to accept any other payment. Now, years later, they are saying they never said this, and I of course owe tons of interest and penalties for non payment, when THEY WOULD NOT LET ME PAY.
Product: Money transfer, virtual currency, or money service

I WENT TO CAPITAL ONE TO TRANSFER MY IRA, OPEN CDS, MONEY MARKET, AND TO GET SOME HELP. 

I AM PROFOUNDLY XXXX AND HAD EVEN MADE AN APPOINTMENT WITH THE BANK TO HELP ME FACE TO FACE AND EVEN BROUGHT A MEDICALLY NECESSARY LETTER FOR MY RIGHTS AS A XXXX XXXX PERSON AND MADE IT VERY KNOWN TO THE BANK AND THEIR ADA ENFORCEMENT OFFICE THAT I WOULD NEED A PERSON ON A HANDHELD PHONE TO BE THERE AT ALL TIMES, WHEN I HAVE TO CALL IN. I ALSO MADE IT VERY WELL KNOWN THAT I WOULD NEED A PRIVATE ROOM AT THE BANK AND HELP AND SHOULD NEVER BE RUSHED OR PUSHED OUT. 

ON DAY ONE, I WAS TOLD TO LEAVE BY XXXX THE BANK MANAGER AND TO COME BACK ANOTHER DAY OR TO ACCEPT HIGHER AMOUNTS AS HER PERSON WHO WAS UNSURE OF WHAT SHE WAS DOING, WAS TAKING UP TOO MUCH TIME. I HAD EVEN MADE THE APPOINTMENT 2 WEEKS AHEAD, AND HAD EVEN TAKEN A CAB OVER TWICE ALREADY, YET XXXX STILL WAS ABOVE RUDE. 

I TOOK THE CAB OVER ANOTHER DAY AS XXXX TOLD ME TO DO, AND STILL NO ONE TO NOTARIZE A THING AT THE BANK, SO I HAD TO GO ELSEWHERE AND CALL AND CALL ON THE PHONE, PUSHED AWAY, HUNG UP ON AND MORE WHEN I HAD MEDICALLY NECESSARY LETTERS IN MY FILES. I AM VERY UPSET AS CAPITAL ONE PROMISED ME TO HELP AND TO HAVE THINGS SET UP UNDER MY NEEDS AND NEVER HAVE. 

I WAS ALSO TOLD THAT MY FUNDS WOULD BE AVAILABLE IN 2 TO 3 DAYS WHICH I WAS LIED TO AND STILL HAVE NOT SEEN.

I LIVE OFF MY INTEREST AND HAVE LITERALLY BEEN WALKED ON AND PUT TO SHAME FOR NOT HEARING ON HEADSETS AND VOIP SYSTEM. CAPITAL ONE HAS REFUSED TO GET ME SOME HELP AND TO BE IN ADA COMPLIANCE. I HAVE EVEN PROVIDED THEM WITH MEDICALLY NECESSARY LETTERS AND MORE. 

4 DAYS AGO, I WAS TO GET A CALL AT XXXX XXXX, AND IT NEVER ONCE OCCURED. IT HAS BEEN A GAME OVER AND OVER AGAIN WITH CAPITAL ONE. THEY DO NOT CARE AT ALL AND MY REQUEST IS IN THEIR HANDS., I HAVE SHED SO MANY TEARS ALREADY AND HAVE ALSO TURNED THIS INTO THE ADA AND OCC. 

I AM ONLY BEGGING FOR MY RIGHTS AND EFFECTIVE COMMUNICATION. I AM ON SSDI AND A XXXX XXXX  INDIVIDUAL WHO NEEDS SOME HELP PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries does not belong to meI also have no knowledge of obtaining any of the inquiries listed here.
Product: Credit reporting

On XXXX XXXX, 2016 I sent letters disputing items on my credit report. I submitted a copy of my ID along with my SSI card. My disputes were rejected with a letter stating my ID is incorrect. My previous address XXXX XXXX XXXX XXXX XXXX , TX XXXX is my previous address. My current mailing address is : XXXX XXXX XXXX XXXX, TX XXXX. I have submitted the letters of dispute along with a copy of my ID, SSI Award Letter, and my SS Card. Please continue to dispute the items in the correspondence attached. 

Inquires : ( past 2 year timeframe ) - MUST BE REMOVED IMMEDIATELY!!! 
XXXX XXXX XXXX XXXX XXXX Judgement : PLEASE VALIDATE THIS ACCOUNT No lease was ever signed for this property in my name. 
XXXX Creditors : PLEASE VALIDATE ACCOUNTS XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX. I saw I has some hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries has no permissible purpose to be on my report. Delete this inquire due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2200.00} ( previously late open ) XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} ( previously late open ) Collection : XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX Balance : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} 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 XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft resulting from a recent data breach. There are fraudulent accounts and inquiries listed on my credit report that I did not authorize. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Account : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$3700.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Bank account or service

In XXXX 2015 I made a mortgage payment to the Suntrust Bank at XXXX XXXX XXXX and the payment was misapplied, which showed a non payment for the month of XX/XX/XXXX, which it was intended to be. Instead it was applied for XX/XX/XXXX. 
This is now the second occurrence this year and the first was in XXXX at the XXXX XXXX XXXX. 
I received a call in XX/XX/XXXX of this year stating that I was over due in my payment and had to prove to the bank that in fact it was there error. It too three weeks for them to correct. 
The correction for XX/XX/XXXX is still pending.
Product: Debt collection

I had received a letter from Rausch, Sturm, Isreal, Enerson & Hornick, LLC. Attorneys at Law (? )  representing XXXX XXXX XXXX, XXXX regarding a XXXX XXXX XXXX . The letter states they are attorneys. Yet online no listing in the XXXX XXXX XXXX nor Wisconsin Bar ; the letter states that they work out of XXXX, WI. The only time a debt collector needs to hire attorneys is to protect the firm against the Unfair Debt Collection Act and other regulatory complaint. The firm is asking me to pay an additional {$120.00} to take the case. It is XXXX XXXX XXXX that hired them not I. Again, Debt Collection agencies only hire law firms if the Debt Collector has broken the law or are knowingly engaged in illegal or unethical practices. The law firm in question has several illegal and unethical outstanding complaints. I believe there is collusion on both companies and would like my debt handle by another firm not has no association with the law firm or this debt collector. The phone number for the law firm is XXXX XXXX XXXX 's phone number is XXXX I believe that after investigation of this matter that the fake law firm should be fined to the point that they must file bankruptcy. Also, XXXX XXXX should be monitored more closely as their workers do n't sound licensed or that it is current. XXXX XXXX XXXX is aware that Raush, ect. Is not a real law firm. Anyone that is an actual lawyer that collects debts works on high end side like yacht and jet loans recovery. Not my account. A simple debt collector just needs a high school diploma, pass a background check and pass regulatory testing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I signed up for a corporate funding package with XXXX XXXX XXXX I paid {$3900.00} upfront fee to have a corporation setup and some files and things put in place to help me qualify for corporate funding. I never received any corporation formation documents or anything pertaining to anything we discussed. I became suspicious after he never called to give me any kind of update and would only respond to my emails here and there. Once I got tired of the excuses and the game of cat and mouse, I officially asked for a refund in XXXX five or so months after I'd paid. He then stopped responding to me completely and I reported this to my attorney at legal shield and they sent the first collection letter XX/XX/XXXX and the second one XX/XX/XXXX because he never responded to it. In between all of that and filing this complaint today, I reached out to my bank Regions and asked if the could reverse the transaction because I was scammed out of hard earned money and it is causing financial hardship. They said that because I imitated it they could do nothing. I explained that I was swindled and needed there help in retrieving the money that I'd wired in good faith but was being deceived the entire time. This merchant has disappeared it seems with my money and is not responding to any letters, emails, or texts.
Product: Debt collection

I was contacted on XX/XX/year> and here recently last week regarding a debt that I do not owe due to identity theft. I contacted the original creditor and provided documentation showing identity theft and now this company is contacting me about it. I dont know how this company got my personal information and felt the need to text and call me about a debt I have already submitted documentation for identity theft prior.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Portfolio Recovery Associates Dear Experian Dispute Department , I am writing to formally dispute an inaccuracy on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Payment History Reporting ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The report states that the account was opened in XX/XX/XXXX but also claims the account was already in collection as of XX/XX/XXXX. 
If the account was only opened in XX/XX/XXXX, it is impossible for it to have accumulated multiple months of delinquency and collections by XX/XX/XXXX. 
This misrepresentation creates an inaccurate negative impact on my credit score, violating 12 CFR 1002.4 ( a ), which prohibits misrepresenting credit information.

Improper Reporting of Account Delinquency ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history shows no changes in the amount owed from XX/XX/XXXX through XX/XX/XXXX. 
Despite no updates to the balance, XXXX XXXX XXXX continues to report new collection activity each month as if payments were actively being missed. 
If no new payments were due after the charge-off, this reporting is inaccurate and misleading, violating 12 CFR 1002.6 ( b ) ( 6 ), which requires creditors to report accounts with accurate information.

Failure to Provide Accurate Account Terms ( 12 CFR 1002.10 Furnishing of Credit Information ) The account is listed as having a 1-month term, yet it is reported as delinquent over multiple months. 
If this is a closed collection account, the reporting should reflect only the original delinquency date, not ongoing late payments. 
This failure to update the account properly violates 12 CFR 1002.10, which mandates that creditors ensure credit information is accurate and current.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that creditors must ensure all reported credit information is accurate and up to date. The erroneous delinquency reporting violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.
Product: Debt collection

On XX/XX/year> I sent a certified dispute letter to CKS Prime Investments in regards to a collection account that they are actively reporting to the credit bureaus in the amount of {$650.00}. Certified tracking number XXXX shows it was delivered on XX/XX/year> at XXXX. As of today they have failed to respond to the letter and are in direct violation of the FDCPA.I requested validation and proof that the debt is legally mine by asking for a contract, promissory note or agreement with my signature.