23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midstate Collection Agency is in violation of the Fair Debt Collection Practices Act, and I believe that my rights as a consumer are being violated. On XX/XX/2019, I sent a second request for validation to Midstate Collection Agency and I have not received any correspondence from the collection agency  in regards to my first or second request for validation. On XX/XX/2019, I spoke with a representative at Midstate Collection Agency, and I was advised that both the first and second debt validation requests were received, however, they could not provide me with any documentation to validate the collection account. Also, there is no contract on file with my signature as proof of validation. The Midstate Collection account that is reporting to the three credit bureaus is reporting in violation of the Fair Debt Collection Practices Act. Please review all call history.
Product: Credit card

I have been deligently paying my balance with Care Credit from Synchrony Bank and have set up an automatic payment with my bank 's bill pay. I never missed a payment each month and I pay more than XXXX times the amount that is required by the bank. However, I didn't realize until recently that the date I set up my automatic payment is a week later than the due date imposed by Synchrony Bank. I called their customer department and asked to have some of the fees waived, but I was told that they can only waive the current month 's late fee of {$41.00}. The late fees that they put on my account has totalled {$450.00} when my current balance should only be {$280.00}. I asked to speak with the supervisor but was told that their system can only waive the current month 's late fees so no matter who I speak to, the result will be the same. I had no choice but to write directly to their CEO, but again, the response I received was that they can only waive {$41.00} of my total late fees. I don't believe that the late fees they have imposed on my account is justifiable. {$41.00} is more than the interest rate that they are collecting on my balance. This plain and simple greed on the bank 's part. I would like to have all these fees waived if possible. Thank you.
Product: Checking or savings account

On the XX/XX/XXXX  Ive went to Chase Branch ATM to make a withdrawal of {$660.00} which the ATM machine was failed to dispense my money but took my funds out of my account. first attempt the transaction was denied which is unexpected because Id have enough amount to for ATM to dispense, Ive tried again on the second attempt the transaction also denied Ive went back right into my bank app to check whats going on, I have noticed the transaction has took the following funds out of my account pending of {$660.00} which is what I was trying to withdraw but it didnt dispense any following Cash Ive went inside the branch spoke to the one of the clerks also notified about the incident I was insisted to call the Chase dispute and I will be getting refunded with the funds that was withdrawn from account. Ive called and filed the claim on the same day that had happened I was promised I will be getting my funds back at the end of the same day or at least by Saturday which has not yet posted on my account. I am demanding for my funds to be refunded as soon as possible I have important things that I was trying to do with the funds now Im no longer have access because Chase is fraudulent holding my money.
Product: Credit reporting or other personal consumer reports

This complaint is to formally advise P & B Capital Group that I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second correspondence and I have had no correspondence back from your company in over 45 days. Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation - Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to XXXX is not the same balance that I had with the original creditor. Whatever liability I had with the original creditor has since been satisfied and that is why XXXX and XXXX is not reporting this inaccurate information. This complaint will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased/forward flow agreement. Per the CFPB, I have this right as a consumer. 

-Contract bearing my personal signature -License proof to collect debts in my state As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. I expect to receive proof requested above, within 15 days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted. The dispute letter sent on XX/XX/year> is attached which is dated and time stamped for your reference.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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: Credit card

Account ( -XXXX ) was paid in full on XX/XX/2017. This account was a 0 % interest until XX/XX/<YYYY> On XX/XX/2017 account was closed and balance was transferred to another account ( XXXX ). Because if this I am being charged {$2800.00} in interest that was deferred and a {$27.00} late fee for non payment on this new account ( XXXX ). 
I was never informed that they were going to transfer this balance to another account. 
Tried to contact by phone and after 30 minutes on hold I gave up for now.
Product: Bank account or service

I was charged and overdraft fee on the same day that an item was paid in my account. It has not been 24 hours to rectify the situation. The date the transaction was completed is the same day the overdraft was charged ( XX/XX/2017 ). I am also using the banks Merchant Service in which I get charged as well. On this type of transaction I was charged {$38.00} for them taking out {$.00}. I received payments on XX/XX/2017 from Merchant Services ans should not be charged XXXX fees of {$38.00} ( Total {$76.00} ).
Product: Credit reporting or other personal consumer reports

I have been trying from last year to get equifax fix this problem there is inquiry that is on my account that I do not know and never ask or do on my side they still have not removed the. Please the inquiries am talking about is : XXXX. FRAUD REQUEST Inquiry : XXXX. XXXX, 2023 + Bankcard XXXX XXXX, XXXX- FRAUD REQUEST Inquiry : XXXX. XXXX, 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, XXXX indicates that they NEVER received a XX/XX/XXXX letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, XXXX has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XXXX sometime. It was in XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.
Product: Debt collection

On XX/XX/XXXX, I spoke with XXXX at XXXX who switched my account to a different model for better pricing. I asked her at the time if there was any penalty if I had to cancel. She said no penalty as long as I was moving somewhere where there was no XXXX service. I moved from XXXX to XXXX, NC in late XX/XX/XXXX. I informed XXXX in XX/XX/XXXX that I would be moving and that the apartment I was moving to only gave me the option of XXXX. I gave them the address and phone number to verify. On XX/XX/XXXX, XXXX from XXXX indicated there would be no early termination penalty since I had no choice in the matter. Since then I have been harassed by three collection agencies. The first was XXXX XXXX, XXXX in XXXX, MO. The second was XXXX out of XXXX, IL. I wrote certified letters to five executives at XXXX. I asked for proof either in writing or to get a copy of the recorded call with XXXX of the early termination charges. I was told by XXXX on XX/XX/XXXX, I would have to go to court to get this. I just received another letter and several phone calls from a third collection agency, XXXX XXXX. This is NOT verifying that I owe the charges they claim. I want this harassment from XXXX and XXXX to stop IMMEDIATELY. They must provide in writing that I authorized these charges which they will not and can not do. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, I have 3 unauthorized hard credit inquiries on my latest Experian credit report that I would like removed as soon as possible. 

Attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shots on Experian where these are located Please have these unauthorized hard credit inquiries removed as soon as possible as they are damaging my ability to obtain new credit.
Product: Mortgage

On XX/XX/XXXX I made a phone payment in the amount of {$750.00} to my mortgage servicer, KeyBank. On XX/XX/XXXX, I saw that the payment overdrew my account at XXXX XXXX XXXX where my checking account exists ( my direct deposit from my job hit my account on XX/XX/XXXX which caused the overdraft for the payment ). I immediately called KeyBank and advised them of the insufficient funds and ASKED MORE THAN ONCE if they automatically try to RESUBMIT THE PAYMENT FOR THE {$750.00}. I was told " KeyBank WILL NOT GO BACK INTO THE ACCOUNT, RESUBMITTING THE PAYMENT. '' I was concerned if I made another payment and this was incorrect, my XXXX account would be overdrawn because I had other items scheduled to be taken out of my checking account that normally come out during the first week of every month. After the representative made clear that there would not be a second attempt to get the payment, and me not wanting to have an outstanding amount owing, I made another payment with my checking account with the representative at that very moment on XX/XX/XXXX. On the very next business day, XX/XX/XXXX, my account was negative for TWO PAYMENTS of {$750.00}. I left work early after making an appointment with XXXX XXXX to try to get the double payment reversed and at the same time called KeyBank to explain what happened to see if in fact my bank could not reverse the error IF THEY COULD AS A RESULT OF THEIR ERROR REFUND ME MY {$750.00}. While they apologized for the incorrect information I was told because they do and did make the 2nd attempt and collected a double payment, I was told they could keep the payment for XXXX OR SEND ME A CHECK AFTER THEY LOOKED INTO IT WHICH WOULD TAKE SOME TIME. This was not acceptable. My bank worked with me and said they could TRY to reverse the payment and refund A service fee, however, I had other items that were going to post which would cause more than one overdraft fee, which is what has happened since XX/XX/XXXX UP TO THE WRITING OF THIS COMPLAINT XX/XX/XXXX. I received more incorrect information after calling KEYBANK again to ask for a refund and was told THEY DO NOT REFUND OVERPAYMENTS. My account is SEVERELY OVERDRAWN and XXXX XXXX XXXX can not overturn " multiple reversal/return fees and overdrafts '' which are 100 % KeyBank 's responsibility for going into my account on multiple occasions. My checking account is ruins. I met with the General Manager of XXXX XXXX who tried very hard to help me, but a lot is out of his hand. There are notes on both accounts that outline this entire fiasco. PLEASE HELP ME!
Product: Credit card

Chase spelled my name wrong and is failing to correct it.

I have submitted a copy of my Washington State Driver 's License and DEA License. 
I was told that my Driver 's license expiration could not be seen.

I was asked to submit a copy of my social security card.

I was told that the number could not be read and that they could not correct the name. 
My name has never been " XXXX '' but always " XXXX '' They refuse to change the name or tell me anything other than submit more documents.

I am concerned about Identity theft and refuse to send any more documentation.

They incorrectly put in my name and should not every have asked for a copy of my social security card.

What they are saying does not make sense. I refuse to send them any more information. They have never given me a contact person to fix this nor have they corrected this breech.

I feel that someone is seeking to steal my identity and Chase is not even aware.

I am not sure who else may be undergoing the same " Mistake '' " Accident '' or whatever they call it. If they typed the name in wrong than why are they not fixing it.

Please, I would like to have them remove all documentation on file that has by licensce and social security information. 

Thank your XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Because I am not a customer of Equifax, but forced to utilize their system to survive, I feel that Equifax should be held to a much higher standard than typical consumer services. Since a large portion of the population must use their systems, they have a responsibility above and beyond that of a service for which I voluntarily subscribe.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau : I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the County Recorder of Deeds and the U. S. Bankruptcy Courts confirmed that XXXX, transunion and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

You need to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Please provide me with copies of all documentation associated with these Public Records bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Product: Debt collection

The company MRC, Mediation Recovery Center, sent a letter dated XX/XX/XXXX but we did not receive till beginning of XXXX. It stated that they had " made several attempts to reach you to resolve your XXXX XXXX XXXX  account that is significantly past due. '' The amount they claimed owed is {$5900.00}. They requested payment in full by XX/XX/XXXX or give notice as to reason for non-payment. This was the first communication we had ever received from MRC. If they had called they never left a message and we do have it set up that people can leave voice messages for us if we don't answer the phone. 
I had never received any statement from XXXX XXXX XXXX saying we owed any money and all medical bills have been paid. 
I reached out to the account manager that sent the letter as a phone number was by the name. That number was not MRC and had no idea who or what I was asking about. I then called the number to make a payment and spoke to a someone. The only information she would give was that it was from XXXX of XXXX for a XXXX XXXX. Never having had XXXX XXXX I furthered question and she gave me the name of my XXXX XXXX surgeon. I asked for a copy of the original billing and was informed she could send it to me via email as soon as I gave her my email address. When I requested that I wanted it in the mail she refused and said it had to be via email. I would not give my email to her and she was very rude and said I would need to talk to my doctor. 
I reached out to the billing department of my XXXX doctor and as well as hospital where I had XXXX for my XXXX XXXX in XXXX of XXXX. They had no record of me owing this amount or the name of the company claiming I did. 
I then contacted MRC again to request in mail a copy of the original billing as the billing offices had said they are required to send it or it would void what they are trying to collect. At this time when I called MRC I was immediately transferred to someone hire up. I tried to explain what I was wanting and he would not allow me to talk even when I asked him to listen. I was told I was a child, I didn't know how these things worked, and I was not allowed to ask or make any demands, that I was in no position to do that. I asked repeatedly for him to listen to me as I was requesting a copy sent in the mail or it would be voided. Again he would not allow me to speak, speaking over me as I was trying to talk, belittling me. At that point I hung up. 
I then contacted the insurance company that I had three years ago to see if they had any record of this amount. They were able to pull up my records from the summer of XXXX and did not see a claim for {$5900.00}. 
At this point I am at a loss as how to proceed as I am feeling threatened for owing an amount that we honestly never received a bill for.
Product: Credit reporting or other personal consumer reports

I contact each credit agency concerning these hard inquires that were placed on my credit report. I haven't received any response. not only were they unauthorized but also unverifiable
Product: Checking or savings account

Capital One is holding my direct deposit with no response to when it will be corrected
Product: Credit reporting or other personal consumer reports

Im submitting a report to the CFPB against Experian credit bureau for failure to properly investigate my dispute regarding XXXX XXXX XXXX over an incorrect entry on my credit report. The report incorrectly lists a debt of {$1300.00} that I do not owe. I requested proof of my signature to verify that this debt is mine, but XXXX XXXX XXXX has not provided a signed documentation and has failed to remove the erroneous entry from my credit report. This lack of action has negatively impacted my credit standing.
Product: Mortgage

Dear Sir or Madam : The reason for me writing is to request your assistance in helping with my loan modification ; but am also in the middle of a foreclosure file by Nationstar Mortgage and request transparency to prevent any dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan modification process. 

On XX/XX/2016, I have submitted the form XXXX, Hardship Affidavit ; and Dodd-Frank Certification to my dedicated loan Specialist XXXX XXXX XXXX who is working on my file. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX XXXX