23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company, Midland Credit Management, started calling me on my cell phone XXXX starting on XX/XX/2019. They called XXXX XXXX  and XXXX XXXX   that day. They called twice on XX/XX/XXXX, once on XX/XX/XXXX. They kept calling me 2 or 3 days a week.

On Sunday, XX/XX/2019, I told the male collector not to call me any more. 

The problems with them have been two, and I think they have violated Federal law.

ONE. I did not receive from Midland any written notice at all within 5 days after they called me on XX/XX/XXXX. 

I did receive a notice from them dated XX/XX/2019 ( enclosed ) which does NOT say anything about my right to request verification of the debt within 30 days. 

There are possibly two violations of law here. One, I did not receive written notice from them by XX/XX/XXXX ( 5 days ) and two, the notice I received from them that they mailed to me on XX/XX/2019 does NOT have any written notice that I had the right to receive verification of any debt from them within 30 days.

TWO. During many or all of the calls I received from them, the Midland collector did not mention to me that I had the right, within 30 days to request and receive verification of the debt from Midland. Not once did the collectors mention that to me. Typically, when they called, they would ask if this is XXXX XXXX, am I XXXX XXXX, that this was an attempt by a debt collector to obtain information to collect a debt. I do not ever remember that the collectors told me that I had the right to request verification of the debt from them within 30 days. I think that might be a violation of law.

I did not make any recordings of the calls they made to me.

I believe that part ONE of my complaint is that they failed to send a Written Debt Validation Notice to me within five days of the collector 's initial communication. They must send me a notice that includes the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [ 15 USC 1692g ] 809 ( a ) What I can see on the XX/XX/XXXX letter is the amount of the debt, the name of the creditor, but there is no mention about my right to dispute the debt within 30 days on page 1 or page 2 of this letter. 

On the XX/XX/XXXX letter, which I received on XX/XX/XXXX, there is a mention on page 1 of : " You may request the following information by writing us at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MI XXXX and the same will be provided to you at no cost within 30 days of receipt of your written request '' But this notice was received by me on XX/XX/XXXX, a full 49 days after their initial phone call to me on XX/XX/XXXX. 

I am mailing in a debt verification letter to Midland Credit Management on Monday, XX/XX/XXXX. 

I have screen shots of my phone which shows all the times that Midland called me, from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX to help me with improving my credit. When I called to terminate their service, They tried to add a hiring fee. I am paid up with this company and they wont terminate their service with me. I had to pay XXXX dollars to stop any future payments withdrawn from my checking account. I don't need their services anymore and need help from this company from taking my money. Thank you if you can help me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a credit account that originated with XXXX XXXX XXXX  and is currently in collections. The account in question has been subject to fraudulent activity, and despite repeated attempts to address the issue with the bank, the matter remains unresolved. 



The fraudulent activity on the account was first identified on XX/XX/2023 Following the discovery of this fraudulent activity, I immediately placed a fraud alert on the account and began communicating with XXXX XXXX XXXX  to rectify the situation. Over the course of XX/XX/2023 to present, I have sent several letters to XXXX XXXX XXXX  detailing the fraudulent charges and requesting that appropriate actions be taken to address the issue. 



Despite my repeated efforts to resolve the matter, the account remains in collections, and XXXX XXXX XXXX  has not taken sufficient steps to rectify the situation. I have diligently followed the necessary procedures and provided all relevant information to XXXX XXXX XXXX, yet the issue persists. 



I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that the appropriate actions are taken by XXXX XXXX XXXX  to address the fraudulent activity on the account and remove it from collections. 



Thank you for your assistance in this matter. I look forward to a prompt resolution and appreciate your attention to this important issue. 



Sincerely, XXXX XXXX
Product: Credit card

XXXX : Former American Express Account # Ending in XXXX I had an American Express Card that I used regularly for almost XXXX years. I traveled extensively on my job. I had saved and accumulated many, many frequent flyer miles ( I ca n't remember exactly but it may have been between XXXX - XXXX miles if I remember correctly. I have the documentation somewhere but it may take me a lot of time to find it. My American Express Account was closed in XX/XX/2007. When I went through a period of no work assignments ( which was no fault of my own ) I got behind in paying the balance within the normal XXXX days that I usually paid my bill. However within a short period of time I did pay my American Express bill all back in full. I felt that I had earned all the frequent flyer miles but American Express took them all away and closed my account. I paid everything that I owed to American Express. I do not feel that American Express should not have taken my miles away since I had earned them. I am requesting that they restore my miles, even if they give me a XXXX credit line, as long as they give me my frequent flyer miles back. Also I am willing to open an American Express savings account if they will give me my frequent flyer miles back. 
XXXX attached documentation from American Express. I have other documentation ( old account statements ) but it may take more time to find them since I have moved and I have everything in bags and boxes. American Express does have its own records to look the documentation up. I remember having at least XXXX American Express Account numbers over the period of time that I had the account.
Product: Mortgage

Please help. I am getting sick of this issue, and I have been living in severe anxiety since this issue started. I am going through medical care because of what is happening to me from Freedom Mortgage Company.

I was in a three-month trial period with the company after going through a forbearance period due to Covid. I fulfilled my part and paid the three months trial period on time. I was promised by Freedom Mortgage that I would receive final documents that follow the trial period, and I needed to sign them and notarize them. I asked for the documents for almost six months, calling them every ten days, and every time they promised they would send the documents and never get them. Finally, after I complained about them through the Consumer Financial Protection Bureau, I received the documents. 
I signed them, notarized them, and sent them back to Freedom Mortgage. I called them after, and they informed me that they had received the documents and that everything was fine. They have also told me they will set up the direct payment from my bank to receive the payment monthly. They haven't done that, and I called them for the past two months to ask about setting up the direct payment, and every time they come up with an excuse. One excuse they need to look at the notarized documents, and it will take them 45 days to do that. Another excuse is that they haven't received the documents and will send another. 
They have also reported my account as a delinquent to the Credit Bureau, and my scores went severely down because of this company. Please, I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows my auto loan was more than 30 days past due in XX/XX/XXXX. This was an error on their part. I changed auto insurance companies and they were sent the information but force placed insurance on me in error. They were applying my monthly payment to the force placed insurance first then towards my payment. When I discovered this, I contacted them immediately. It took me numerous calls in XX/XX/XXXX to get this corrected and to get all the payments correctly applied. They assured me it would not be negatively reflected on my credit which it was. I contacted them again in XX/XX/XXXX and they apologized and guaranteed it would be corrected yet it hasnt. I have been denied credit due to this inaccuracy and need to have this corrected immediately.
Product: Credit reporting or other personal consumer reports

Resurgent LVNV FUNDING obtained my personal information without my authorization or consent. I have NEVER did business with this company and have no knowledge of this company nor do I have a contract with this company. This is aggravated identity theft and I have made a complaint with the CFPB, this company responded stating they are authorized to collect on this account even though, I have not authorized or signed any contract with this company. I have not authorized for this company to have my personal information and do NOT agree to do business with them. This company also by the name of Resurgent Capital Service also inquired of my consumer report on XX/XX/year> without my consent.
Product: Debt collection

I signed up for  XXXX   XXXX   XXXX  tv/internet then a week later got a job offer in another city where I now live, so I cancelled the  XXXX   XXXX   XXXX  service within the first month period.  XXXX   XXXX   XXXX  had a 1 month trial where it is free if you cancel in the first month ... Even though they claim its a free trial the terms require a {$50.00} " fee '' for the services in which I was happy to pay because I received service for the month. Not sure why they are claiming I owe {$100.00} or what it 's even for. I returned all my equipment and called them and was told I was all set ... This is a  XXXX  " bully the little guy '' in hopes the little guy pays instead of spending $ in the wasted time refuting the charge.  XXXX  did the same  XXXX  thing to me when I left them due to being overcharged every month .... The  XXXX  debt collection was removed from my credit report a little while back because they have no basis for a judgement, just like  XXXX   XXXX   XXXX .
Product: Checking or savings account

i have a KEYBANK account now and had one in the past and it closed on XX/XX/2022 and confirmed by XXXX supervisor, XXXX, XXXX, XXXX, XXXX and a few keybank reps. so, my school didn't look right and sent funds to the closed account on XX/XX/2022 and they kept the funds even though the account is closed. this is a big gap between dates. they sent the account to a third party on XX/XX/2022, so it is not keybank anymore and they touch my personal info and my funds that weren't suppossed to be deposited there as the account was closed. i belive one has to give the right for a payment to be authorized. however, all keybank agents are stating it shouldn't have gone through and funds shoule be return. moreover, when i call the bank and it's been a month now, they just pass me around to several departments and lie over and over they change dates over and over and then balme the keybank direct resolution department and then tell me it's actually XXXX XXXX XXXX  and XXXX  tells me its KeyBank. KB tells me supervisors and higher ups will call me and nothing no one can do anything. the alst agent said he was a higher up of a higher up and the answer was " its XXXX XXXX  who doesn't want to give funds they settle and then when i question him he said it was keybank resolution department and that was final. i informed them that i am in the verge of getting taken out of school because of the funds were to help school and they don't care and i even told them that the funds went into wrong account it had to go to open account and they keep lying and i told them i didn't authorized any funds to be use as payment.and keybank or XXXX XXXX  don't care
Product: Debt collection

This is New and updated information in response to CFPB Complaints # : XXXX - XXXX - XXXX, XXXX - XXXX. I made and uninformed decision on XX/XX/2021 when there was no evidence of indebtedness the only evidence of the debt was the agreement but because of the uninformed decision that agreement is null and void. Because I made and uninformed decision and I didnt understand its meaning because it was not clear and conspicuous. Because in negative account is has caused pain my family and has cause me and baby mama fussing and fight all night. Email Address : XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent several dispute letters to all XXXX credit bureaus ( XXXX, XXXX, XXXX ) in regards to multiple fraudulent accounts negatively affecting my credit ( XXXX XXXX XXXXXXXX XXXX, US Bank, XXXX  ) that were a result of identity theft due to a data breach and they did not remove the accounts. According to the FCRA code 1681 15 USC The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Mortgage

I went online to the Bank of America online banking to view my mortgage account. On my Summary account page it shows double the amount that it should. Today XXXX as mentioned my online banking accouunt shows XXXX identical mortgages and a zero balance for my Principal Forgiveness mortgage. No on has been able to explain why my online banking page shows XXXX mortgages or why that page shows a balance of XXXX dollars. I have spoken to XXXX representatives in XXXX different departmments and no on has answered my question. BOA was forced into the Principal Forgiveness Program apparenetly due to unsavory practices. I wonder is this another? XXXX associate at BOA stated that my present mortgage balance was XXXX dollars. Another associate stated that my mortgage balance was XXXX dollars, yet online shows XXXX dolllars. I am a XXXX veteran and I unfortunantely suffer from XXXX and I get VERY VERY upset when professsional ethics are in question. Especially wjhen the representativess can not clarify nor rectify THE ( IR XXXX mistakes. Any help will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX, XXXX  and TransUnion for more then 10 months. They never send me any results or status about my claims, they just delete the dispute accounts then later down the line re-add them causing my score to drop. In my last letter on XX/XX/20, I warned them I would consider a complaint due to the FCRA regulation regarding re-inserting deleted accounts. This was ignored.
Product: Credit card

In XX/XX/XXXX, I made a promotional charge on my XXXX XXXX XXXXSynchrony Bank account XXXX If the purchase was paid in full by XX/XX/XXXX, there would be no interest charged ( 29.99 % ). The statement dated XX/XX/XXXX, stated amount balance on this promotion was {$470.00}. I set up for payments totalling {$470.00} to be paid on XX/XX/XXXX, XXXX. 
On XX/XX/XXXX, I made another promotional purchase on my card with interest being waived if paid in full by XXXX XXXX, XXXX. 
On XX/XX/XXXX, I checked my account and it still reflected a balance owed on the promotion set to expire on XX/XX/XXXX, so I made another payment of {$180.00}. On XX/XX/XXXX, the account still showed a balance owed on the XX/XX/XXXX promotion, so on that date I made another {$300.00} payment. 
Today, XX/XX/XXXX, my account still reflects a balance on the XX/XX/XXXX promotion of {$100.00}. 
I did call Synchrony Bank and complained about the payments not being allocated first to the promotion set to expire on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I paid {$950.00} to pay off a promotion that on XX/XX/XXXX, had a balance of only {$470.00}, and on XX/XX/XXXX after payments totalling {$950.00} still had a balance of {$100.00} XXXX. 
My complaint was finally honored and the final payment of {$300.00} was reallocated so the promotion set to expire was paid in full on XX/XX/XXXX. 
Even though my issue was resolved, I believed this allocation is being done intentionally so consumers will miss paying off a promotion on time and owe outrageous interest. Only if someone complains is the allocation changed. I fear there are consumers who do not follow up and end up paying interest they never should have been charged.
Product: Vehicle loan or lease

Date XX/XX/22 Amounts - XXXXXXXX XXXX XXXX XXXXXXXX debt cancelation agreement I was not informed about the XXXX apr Finance charge excessive XXXX My car trade in value should of been higher as well as deducted properly from my bill of sell. 
XXXX my car trade in value. 
They used a new method of deceit by vaguely going over my contract and having me signed electronic which gives me no indication that my signatures were for yes or no on optional items like the XXXX XXXX  and debt cancelation.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}.
Product: Credit reporting or other personal consumer reports

I have disputed the validity of reported late payments multiple time requesting that I be sent actual physical proof such as a bank statement proving that I have been indeed late making payment. To date no actual physical proof has been provided. The credit bureaus will continuously " update '' the information on my credit report and have not removed the negative remarks stating that my accounts have been late at least once. They absolutely refuse to send the proof they are required to send if in fact they are doing an actual investigation which is a clear violation of my FCRA rights; According to FCRA rules 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] - ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 602 [ 15 U.S.C. 1666 ] - a creditor may not treat a payment as late for an open ended credit account for any purpose. I have submitted disputes on the following dates ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. As you see I have more than done my due diligence in communicating the credit bureaus TransUnion, XXXX, and XXXX on this matter and they absolutely refuse to delete the negative remarks on the accounts that they are reporting I allegedly paid late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to XXXX XXXX XXXX and purchased a XXXX XXXX XXXX XXXX. I paid a {$11000.00} down payment. After signing contract and closing the deal, weeks later the dealership states the finance fell through. I was not informed of the dealer running my credit after deal was complete. The dealer would tell me that they were working on a new deal with the finance company that would lower my payments. I informed the dealership not to run my credit no longer and Im requesting them to fix it. Before going to the dealership my credit score was XXXX, after the deal, my credit dropped to XXXX. The dealer had run my credit and lowered my credit score to XXXX. I only found out about them running my credit was by getting credit alerts. even after demanding they stop running my credit, they continued to submit my info to banks, lowering my score even more. I have attempted to speak with them in reference to this and no results. I had to pay for damage caused to the tires on the vehicle due to an employee at the dealership over and under inflating the tires. I was informed the vehicle had proper maintenance done it. That was not done, the oil light came on the next day, which I had to pay for myself. The only solution the dealship has is to allow them to keep running my credit to close the deal. They are concered about closing the deal, but I am more concerned with how they tore my credit down without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I always check my credit but today i check it and they post a collection on my credit credit i know i haven't been to any doctor and i ask for all supporting documentation but never receive anything from any creditors so can you please have them to send all letters to me about these accounts. 
XXXX XXXX XXXX XX/XX/2018 XXXX  XXXX XXXX XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

I just checked my Equifax Credit Report and found an inaccurate account showing on it, that must be deleted according to the FCRA. The following account inaccurately shows XXXX late payments. If this car had this many late payments it would have been Repossessed, but was not. XXXX XXXX. XXXX ( XXXX ) ( i ) : Exclusions, states that Late Payments/ Transactions are not to be reported on credit reports. Equifax has also violated the FCRA and my rights by not following Compliance Procedures and by not ensuring Maximum Possible Accuracy in credit reporting ( XXXX XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX XXXX ). Inaccurate Account : XXXX XXXX XXXX, Account # xxxxxx XXXX. Equifax has the responsibility as a furnisher of my information/ credit report to ensure accuracy in reporting ( XXXX XXXX XXXX XXXX ). Also, according to the FCRA XXXX XXXX. XXXX ( b ) : Billing Error : Creditors can not treat a payment as late for any purpose. I demand that Equifax delete this inaccurate account because of all of these violations of my consumer rights, and the FCRA laws. Please mail me a corrected copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened in my name on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Account # XXXX This account was sent to collections and was a " charge off '' on XX/XX/XXXX for {$320.00}. This is a fraudulent account. I have never used this company and have no knowledge of the address attached to this account : XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX. 
I have never lived in TX, I do not have family in TX. I have been living at the same address since XX/XX/XXXX. I have not lived in any other residence. 
I have requested Equifax, XXXX and XXXX  to investigate and remove the fraudulent information from my report on XX/XX/XXXX. The information was not removed and still remains on my credit reports.