23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management calls me 3-5 times on a daily basis. As soon as I pick up, they call me by my husbands name, which is XXXX. In addition, they have tripled what the original credit card amount was thats owed.
Product: Credit reporting or other personal consumer reports

-Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts XXXX XXXX XXXX XXXX  - This account is being reported inacqurately, please remove this from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

It is our belief that our mortgage with XXXX Bank and Old National Bank is based on fraud. I have attached documents to support our claim. The following is a breakdown of our complaint : List of events Pertaining to a loan of XXXX and XXXX XXXX XX/XX/2009 a Note is signed with XXXX, XX/XX/2009 a Mortgage is signed with XXXX Bank Mortgage dated XX/XX/2009 is recorded into the records of the XXXX XXXX XXXX of Deeds on XX/XX/2009. The purpose of the recordation is to memorialize the sale of the property thru the Note which evidences the debt and the Mortgage is which attaches itself to the intangible obligation evidenced by the debt Shortly after signing, an interest of the loan was sold to XXXX XXXX. The interest that was sold to the trust was the intangible obligation ( the debt ). 
There is No indorsement on the Note in which one would acquire rights to the Note. 
There is an incomplete stamping on the Note which has released the right to the Note without recourse to an as of yet unnamed payee. 
There is no Assignment to XXXX XXXX With XXXX releasing its rights to an as of yet unnamed payee, without recourse, no one will acquire rights to the XXXX Note without being named to the Note The claim that the XXXX loan is a secured loan is unsupported with any factual evidence.The claim that the incomplete stamping is a Blank Endorsement is a XXXX claim as they are attempting to make you thing that right are thru some other means other than XXXX. XXXX to acquire rights to a negotiable instrument.
Product: Debt collection

RAUSCH STURM LLP or Rausch Sturm LLP is using mail fraud, impersonation, identity theft, unlawful conversion, impersonation of an Officer, copyright infringement and a myriad of other XXXX XXXX XXXX XXXX XXXX, live with flesh and blood, eternal soul to coerce a contract and threaten to seize assets and property that are private. They have also misrepresented and slandered me to a bank that i have no affiliation with. 

RAUSCH STURM LLP or Rausch Sturm LLP is using a Usufruct Derivative that they have not been given any consent or authority to use by the owner, which is i, a woman, XXXX XXXX XXXX. They are claiming and/or impersonating two jurisdictions, which is a felony. This is a false claim in commerce, which is also a felony. 

I require RAUSCH STURM LLP and / or Rausch Sturm LLP, et alia, to cease and desist the use of my copyrighted and trademarked property in all derivations, styles and forms immediately and forevermore. My Fee Schedule will be strictly enforced if there is continued attempts to impersonate me, infringe on my copyrights ( publicly recorded in XXXX  ) or contact me in any manner whatsoever, unless it is a notice to withdraw their fraudulent claims against, i, a woman, in the name of a Usufruct Derivative that they have not been given any authority to use by i, a woman, the owner.
Product: Mortgage

Beginning XX/XX/XXXXof this year my house payment was increased nearly {$1000.00} per month ; from what I am being told it was due to escrow shortages from a property tax increase. I have spent the past two months attempting to obtain a partial release to sell off a portion of my property to compensate for the property tax increase that I will not be able to continue paying much longer. I was initially told that it would take 30 days to process, then told 60 days, then 120 days, and now that they do not know how long it will take. I have requested a number of times to speak with the special loans dept to clarify and to find out if they need anything else from me, but I keep being told that I can not speak to anyone in that dept and that I would receive a packet in the mail. I have not received anything in the mail and it has been months. I spoke to the loan guaranteerer about my situation and he said to speak to the escrow dept of my servicer to spread out the negative equity while I await the partial release. I called loancare ( the servicer ) and again was told that I can not speak to anyone in that dept and to write an email. I sent the email request and have had no follow-up from loancare. I have never been late on a payment and am working hard to maintain my end of this contract, but a near {$1000.00} month increase in my payment is ridiculous. I can not seem to get any assistance from loancare to help resolve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their violation on XX/XX/24 of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692c ( c ). I believe that their actions in attempting to collect an alleged debt from me are unlawful and request the CFPB to investigate this matter promptly.
Product: Credit reporting or other personal consumer reports

Sent a letter on or about XX/XX/year> Containg a dispute for id theft as I have no recollection of having an account with XXXX XXXX. Sent in a police report. Statement and everything else required under 15 U.s 1681. 

TransUnion stated that they have there own policies that they do not have to follow the 4 day rule when it comes to identity theft. 

They refused to follow the rule and subsequently have not done anything.
Product: Mortgage

In XXXX I was approached by a bank officer XXXX XXXX in the XXXX FL branch offering me a 15 year mortgage Refi on my existing 30 year mortgage with XXXX XXXX XXXX XXXX. I was satisfied with the terms of that mortgage and not looking for any changes. 

XXXX XXXX arranged without my knowledge a refi of 4.1 % on my 30 Year mortgage ( taken out in XXXX - end date XXXX ) pitched to me in order to " save money ''. 
The signature on the refi document is not mine. 
When I called the bank to complain I was told he had been fired. 

Meanwhile this Refi dramatically increased my monthly fees, and is netting 5th 3rd an extra {$32000.00} over what I would have originally paid. This is usurious and shold be illegal. 

As you may be aware 5th 3rd bank has been found guilty of various criminal practices, paying out more than {$86.00} XXXX to compensate wronged customer victims. It is basically operating as a a criminal organization judging by the settlements against them. 

XXXX XXXX XXXX XXXX XXXX XXXX I did not seek out a refi. I was targeted for a sales pitch on the bank 's premises, so I trusted them. 
I didn't expect XXXX XXXX was out to swindle me which is exactly what has happened since XXXX. 
I'm now locked into a MUCH WORSE mortgage than originally sold to me which adds {$32000.00} to my original mortgage. 

My original mortgage from XXXX cost {$3700.00} total per year. 
With the 5th 3rd Refi I am now paying {$5800.00} annually, over the past 8 years, totaling {$17000.00} in extra payments. 
This is outrageous. 
I will pay an egregious extra {$32000.00} for this refi. 

On the original XXXX mortgage payment I paid $ XXXX month on a 30 yr note. 
In XXXX 5th 3rd bank Refi increased the payments to $ XXXX. Annual payments now total {$5800.00}. 

The XXXX Refi will end in XXXX - only 2 years after the original mortgage. There are zero savings from this Refi. 

As a senior on a fixed income I need this Refi to end immediately with an adjustment to my account, including interest. 

Loan Officer XXXX XXXX told me I was 'saving years ' off my mortgage ( only 2 years as it turns out ) with the Refi. the documents he provided me with aren't at all clear on the this point. 
I believed the bank as I don't know very much about calculating interest rates and mortgage Refis as I spent 45 years caring for people as a psychiatric nurse.
Product: Credit reporting or other personal consumer reports

There was data breach with equifax and have several negative items that are inaccurate. 
XXXX XXXX Acct # XXXX Late payments from XXXX XXXX XXXX/ XXXX XXXX Acct # XXXX Inaccurate Late payments XXXX XXXX Acct # XXXX Inaccurate payments XXXX XXXX XXXX XXXX Acct # XXXX Inaccurate payment XX/XX/XXXX XXXX Acct # XXXX Late inaccurate payment XXXX and XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX wrongfully repossessed the car. The exact payments were made to prevent repossession and they were made via XXXX XXXX. XXXX XXXX XXXX XXXX confirmed receipt of the payment and confirmed the account was then current and no further action was required. A few days following, the car was repossessed from my employment. After speaking with XXXX XXXX, they apologized for the repossession and said I had to pay to get it out. They confirmed that the car should have never been repossessed because they could see the payments were made. At this time, XXXX XXXX XXXX XXXX was not cooperating and said I would have to pay the repo fee in order to get the car back. At this point, I sought an attorney. Within a few days, they were able to retrieve the car. The car should have never been repossessed nor should I had to hire an attorney to resolve. Lots of Money, time and energy wasted hit time was of the essence in retrieving the car in a timely fashion. Everything was then paid directly to XXXX XXXX XXXX XXXX through the U.S. Bankruptcy Court Trustee-Case # XXXX. Upon looking at the credit reports, XXXX XXXX has provided incorrect payment history, payments made and the amount past due. They have waited 3 years to provide incorrect information. Also being one of the victims that fall under the most recent class action lawsuit where XXXX XXXX wrongfully added insurance on the car payments and extra interest, clearly further proves their integrity and dishonesty as a company!! There is no balance due for this account, nothing past due and no other collection activity should be listed on this account. I have attached the reportings and it shows payments were made in XX/XX/XXXX and they is INCORRECT!! Everything came from the trustee and needs to be corrected and or deleted. The trustee provided on time payments from XX/XX/XXXX-XX/XX/XXXX. There is no past due amount Remaining. One report showed XXXX past due and now its XXXX the car was only XXXX and purchased back in XX/XX/XXXX.
Product: Debt collection

This company has suddenly placed a negative listing on my XXXX credit report saying they have a collection account opened on XX/XX/2017 and that I owe a balance of {$730.00}. The listing did not appear in XX/XX/XXXX, but in late XX/XX/XXXX. 

I do not know what this debt is, do not recognize it in any form or fashion, and do not believe I owe this company any money. 

Furthermore, I have NEVER been contacted by this company in regards to supposed alleged debt, or notified of any collections activity. Nothing in writing has ever been sent to me to notify me of any attempts to collect where I could exercise my legal rights to verify or dispute, before placing damaging, inaccurate information on my credit report. This is in direct violation of the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. 

This inaccurate, unverified information, of which I was never notified, needs to be removed from my report immediately, and the company needs to follow the law in regards to it 's collection practices and make sure debts are valid, and the consumer is contacted and given an opportunity to dispute, before reporting to any credit bureau.
Product: Debt collection

On XXXX my credit file was flagged with a collection or debt in the amount of {$1500.00}. This is a false debt as I do not owe this debt by no means. 
Also, professional debt has a consent order in place from the State of CT indicating they are not licensed to act as a debt collector in the state of CT. Which they are in violation of this order. Which this consent order is attached to this case.
Product: Credit reporting or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX  days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15. 
If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. 
The account is XXXX XXXX XXXX XXXXXXXX
Product: Student loan

Navient refuses to lower my monthly payment on my private loan ( such as lower/no interest rate/lower monthly rate ) so that I am able to pay them while meeting my other obligations. I have already informed them that my income of $ XXXX/month does not allow for nearly any discretionary income, but instead merely pays my bills. My student loan principal has already accrued 50 % interest on top of the original amount, but Navient wants more money ( Currently pay them $ XXXX/mo interest only for a year only and then $ XXXX/mo ) and will not negotiate a more reasonable income based repayment plan.
Product: Credit card or prepaid card

The company claims that on XXXX XXXX, XXXX, I made a payment via the automated system using a different checking account number than was previously used in the last six months and that the payment was subsequently returned by my financial institution as unpaid on XXXX XXXX, XXXX. This information is false. My financial institution has confirmed there was no request for payment submitted whatsoever. Furthermore, I have proof I used that bank account within the previous six months sucessfully to make the payment. Company claims the same thing happened again on XXXX XXXX, XXXX. Again, my financial institution reports no payment request was made, and, again, this account was used successfully in the past. Company claims they gave me a {$25.00} credit. They did not. They refuse to return the two {$25.00} returned check fees. There were no returned checks, so they need to refund me the Two, {$25.00} returned check fees. A customer service representative told me he would refund the returned check fees. They never did.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their mishandling of a disputed collection account reported on my credit file. Despite my repeated attempts to resolve this issue, XXXX XXXX XXXX has not addressed my disputes adequately and continues to report inaccurate information on my credit report. I had a collection with XXXX and I filled this collection in my Bankruptcy. I would like to know why it is showing back on my credit report. This collection has lowered my credit score. I sent an email back on XX/XX/XXXX. Asking them about this. I haven't received a response back. I would like this item removed from my credit report. I've contacted XXXX XXXXXXXX XXXX to assist me with the issue to get a response back from XXXX. They stated they are not reporting this and to contact the credit bureaus about this matter. Credit Bureau Equifax says they are furnishing the information to them that's the only way the item is getting reported on my credit report. I filed Bankruptcy in XXXX of XXXX, and the case was dismissed in XXXX of XXXX. My updated credit report showed the item removed. In XXXX in XXXX XXXX rereported the information to Equifax to be added back to my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b, credit inquiries can only be made with permissible purpose. XXXX XXXX XXXX did not have my permission to conduct this inquiry, which constitutes a violation of this law. As per the FCRA, I am entitled to damages of { {$1000.00} } per violation. Inadequate Dispute Responses I have been disputing the following collection accounts for months, and XXXX XXXX XXXX has failed to provide a satisfactory response : Despite my repeated disputes and submission of supporting documentation, XXXX XXXX XXXX has continually responded with generic letters, failing to address the core issues of my dispute. The letters I received simply state that they manage the account for XXXX XXXX XXXX and have initiated a review. Under FCRA Section XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX furnishers of information are required to correct and update information that they determine to be incomplete or inaccurate. XXXX XXXX XXXX has not complied with this requirement, as the disputed accounts remain inaccurately reported on my credit report. Please find attached copies of the responses from XXXX XXXX XXXX and my credit report showing the unauthorized inquiry. Thank you for your prompt attention to this matter. Your assistance is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past month, TransUnion and XXXX  have not correctly verified any of the 5-6 collection accounts on my credit report. Ive sent in dispute letters every month, to no avail. I also received notification that 2 of the collections have been closed from XXXX XXXX, but they were still listed on my report from both credit reporting agencies. Also, XXXX has 2 collections on my report and when I spoke to them a few weeks ago, they only stated I have one collection account and not 2. None of these collection companies can be verified, I did not sign a contract with any of them, yet the credit bureaus are verifying the debt, without contracts or doing due diligence to correct these errors. I am demanding they remove all of the collections from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective measures to prevent and protect fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy : Bankruptcy Reference number : XXXX
Product: Mortgage

I just received notice from my XXXX XXXX XXXX Loan Depot of " Notice to Foreclose '' The problem with this notice is that I have never defaulted on the loan. I refinance my house with Loandepot ( LD ) in XXXX of XXXX, and I have been making biweekly payments faithfully. On XXXX XXXX XXXX, I saw a late fee was assessed against me and reached out to the Loandepot to dispute that. There I was told that Loan depot considered my biweekly payments as partial payments, and I disputed that there was not my understanding. I explained to the supervisor that I have an email from the loan originating officer stating as long as I make the full payment before the due date I am not in default. Now, LD has been accepting my biweekly payment since XXXX XX/XX/2021. Now, I just received a letter stating that LD has filed an " Intent to foreclose '' on my property. This is because, according to them, the {$900.00} biweekly payments have been returned to me. And I have not received such money. I see this as unjust and unfair which is why I reaching out to you.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX