23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was serviced by Greentree previously and than transferred to Ditech on XXXX/XXXX/XXXX. I have 2 complaints : 1. I realized I did not receive my XXXX when completing my XXXX taxes so I requested online. I received multiple letters telling me that they were " in the process of reviewing your request. Our research has not concluded. '' What research was needed for printing a XXXX to send? First week of XXXX, I received 1 letter size envelope and 1 legal size envelope. They both contained printed copies of 12 monthly statements rather than the XXXX I requested. It took 2 months to have 2 different people taking copies of my statements rather than sending me the XXXX? 
2. My last payment is due this month. I tried calling 4 different days and times to ask if the final payment needed to be mailed and to stop the auto payment. The recording indicated it could not process my request since my loan was recently transferred and it would take a couple of weeks to receive the paperwork. My loan was transferred almost a year ago ( in XXXX )! There was no other options given on the recording to speak to someone. It just said " good-bye '' after the other message. I went online to make an online payment. It did not work. At this point, I was in a panic so I went to USPS and mailed my final payment check for next day delivery ( paid {$27.00} ). My account shows the check cleared XXXX/XXXX/XXXX. However as of today ( XXXX ), the payoff is still not reflected on my account. 
As you can see, I made every effort to make my final loan payment. However, Ditech made it impossible to speak to anyone or make my payment on time. I believe this was way for them to show me delinquent on my last payment and to charge me late fees. Just like Greentree before them, it shows the incompetence ( sending monthly statements rather than a XXXX ) and the shady way of doing business ( to have my loan go delinquent and to charge a late fee ).
Product: Checking or savings account

A fraudulent account was opened in my name I've never had any business with frost Bank. Once I received a letter saying an account had been opened I called and reported it as fraud. Now I've received a copy of a fraudulent check that someone cashed on the fraudulent account for XXXX and it had been sent to frost banks loan recovery department. I've spoken with the bank and there recovery department and explained this account was never mine and I've never had business with them.
Product: Checking or savings account

On XXXX XXXX I noticed there were XXXX charges on our checking account that I had not done. They were done on days when I was in Colorado and done during times my husband was at work or had just gotten home from work. He works in XXXX, CA which is XXXX miles away from where the transactions were done. All of the transactions were done with his card. 
XX/XX/2023 {$82.00} XXXX XXXX XXXX, CA XX/XX/2023 {$120.00} XXXX XXXX XXXX, CA XX/XX/2023 {$120.00} XXXX XXXX XXXX, CA XX/XX/2023 {$100.00} XXXX XXXX ; XXXXXXXX XXXX, CA After Citibank denied our first REG E claim, while I was on the phone with their customer service I found XXXX more fraud transactions. I found them on XXXX XXXX. These XXXX transactions were also done on my husbands card. He was at work when those transactions went through also. 
XX/XX/2023 {$120.00} XXXX XXXX XXXX, CA XXXX {$120.00} XXXX XXXX XXXX, CA XX/XX/2023 {$64.00} XXXX XXXX XXXX, CA I have my husband 's time cards to prove he was at work during XXXX of the XXXX transactions and I was out of state. Citibank is claiming that because his card number was used and his pin number that it must be us. I believe they have forgotten that thieves use card readers to steal that info and make their own cards. I would just like the money returned to by bank account.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant
rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Mortgage

We received numerous letters or ads from our mortgage company, Freedom Mortgage, stating that our house was valued at {$240000.00} and that we could refinance to use some of the equity in our house. After applying and providing scores of paperwork, we were told that our house appraised at only {$200000.00} by an appraisal company from Indiana and we could only get a new mortgage if we paid {$10000.00} for it up front. The appraisal was based on more than XXXX houses, XXXX of which was out of our district and was half the size of our house plus it was appraised at only {$170000.00} which lowered our appraisal considerably. I believe that this is a practice that is being used to scam homeowners and wish to have a federal investigation of this mortgage company.
Product: Checking or savings account

on XX/XX/XXXX i contacted Suntrust about an online purchase attempt i made on XXXX XXXX with XXXX XXXX  in the amount of {$96.00} and explained to a Suntrust representative that transaction was cancelled by XXXX XXXX on XX/XX/2021, i never received the product, I spoke with XXXX XXXX and was told Suntrust has done this to many customers in the past, where the bank will keep the refunds to add on to their profits in hope that the customer will give up.
Product: Credit card or prepaid card

I have been severely impacted financially by COVID-19, and I have tried calling my credit card company, Chase, regarding my Chase Sapphire card to bring my interest rate down lower due to my hardship. They are not willing to provide any assistance whatsoever. I need the government 's assistance in ensuring I am not overpaying these credit card companies with extremely high APR interest, when my main motive is to get out of debt with them. Thanks.
Product: Debt collection

CFPB Complaint against Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, La. XXXX Email Address XXXX XXXX Complaint Against : Midland Credit Management Description of Complaint : I am filing this complaint to aleged that Midland Credit Management is violatin my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation E. Specifically, they are : Attempting to collect a debt I do not owe. I dispute owing any and all debts that Midland Credit Management claims I owe. 
Violating communication restrictions. I am revoking my consent to receive communications from Midland Credit Management through emails, text messages, and calls. 
Failing to validate the debt. I have requested debt validation from Midland Credit Management but have not received it. 
Failing to provide the purchase agreement. I have requested a copy of the purchase agreement between Midland Credit Management and the original creditor but have not receiv it. The purchase order agreement is request Failing to furnish proof of license and bond. I have requested proof that Midland Credit Management is licensed and bonded to collect debt in my state but have not received it. 
Failing to comply with the 15-day response window. The Fair Debt Collection Practices Act requires debt collectors to respond to disputes within 15 days. 
References : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits debt collectors from communicating with you after you revoke your consent : Law about debt collectors contacting you after you tell them to stop?. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation requires debt collectors to provide validation of the debt upon request : How to dispute a debt. 
12 CFR 1006.34 ( d ) : This regulation prohibits debt collectors from using unfair or deceptive practices : Debt collection FAQ. 
15 USC 1681 s-2 ( 7 ) a : This section of the FDCPA requires debt collectors to respond to your disputes within 15 days : What are my rights under the Fair Debt Collection Practices Act?. 
Requested Relief : I request that the CFPB investigate Midland Credit Management 's debt collection practices. 
I request that Midland Credit Management cease all communication attempts regarding this alleged debt. 
I request that Midland Credit Management validate the debt and provide all requested documentation, including the purchase agreement and proof of licensure and bonding. 
Please note : I am not waiving any of my rights under the FDCPA or Regulation E by filing this complaint. 
Additionally : ID and Proof of address Signature XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts from my credit file. These accounts were fraudulently opened using my personal information, which was compromised due to a recent data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items removed from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$00.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$00.00} XXXX. XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX {$00.00}
Product: Debt collection

Money was illegally taken from my Account for a loan that I had trouble paying back. I was in involved in a work related accident, so I work limited hours. Once I had more money. I would set up a payment arrangement, but they couldn't wait and took all of my money. They hired a third party named January as a debt collector for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 


XXXX XXXX, BEST B Inquiry : XXXX XXXX, 2020 As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to XXXX XXXX XXXX, also Ive XXXX involved and sent this letter to the CFPB, attorneys general XXXX and the better business bureau and Federal Trade commission XXXX 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

Account Name- XXXX Account, XXXX Account Name- 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 has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more the 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: Debt collection

I am not an attorney, legal counsel or tax expert but rather a consumer pursuant to the Fair Debt Collection Practices Act ( FDCPA ), who have been threatened by legal action as unfair or unconscionable means to collect or attempt to collect an alleged debt by debt collector American Express by implication of attorney alleging a debt in excess of {$1.00} as a false, deceptive misrepresentation of a cash surplus/ credit balance as expressed by the Fair Credit Billing Act to unfairly mislead consumer to belief the omission of negative balance constitutes a debt balance. American Express use of false, deceptive, or misleading representation by account stated in connection with the collection of any debt by misrepresentation of the character, amount, or legal status of the alleged debt is disputed for validation, verification, and proof of claim expressly authorized by the agreement creating the debt. The debt collector has harassed me by furnishing my nonpublic personal information without sufficient proof of claim. They have failed to provide any errors, defects, omissions, or mistakes on payment instruments, nor have they followed the instructions given for the right of set-off in instruments tendered as full prepayment. Moreover, I have not been given an opportunity to rectify the matter or return the instrument with instructions or pictorial evidence for a satisfactory resolution. take notice the data you have in your possession, ascribed value of {$250000.00} lawful money is private, confidential, and licensed information, subject to exclusive use, intent, and purpose. I am notifying American Express of my rights associated with this exclusive offer, granting you permission to house and utilize this data under the condition that proper security measures are implemented to safeguard its exchange and usage in accordance with consumer protection regulations. I revoke consent to any communication by use of AI Technology and/or electronic agents.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

I had an annual membership with XXXX in XXXX XXXX 2015. 6 months later, I was relocated to XXXX. So I made a cancellation for the gym membership in the end of XXXX 2015 just before I moved to XXXX. At that time, I asked to pay back the balance of the annual membership fee with presenting my new XXXX XXXX in XXXX , but they simply refused it. I did n't have time to dispute with them and just canceled my membership. Cause it was my last day in XXXX. 8 months have passed after I moved to XXXX . Suddenly I received an email from ABC financial services for the membership fee of XXXX XXXX XXXX XXXX. They argued the contract was not cancelled and asked me to pay membership fees. I sent documents to a general manager of XXXX XXXX XXXX XXXX so he can cancel the collection per trainer 's advice. It included an email from ABC financial and my utility bills in XXXX on XXXX 2015. After that, I have tried to talk with him for a week to ask a cancellation on the bill collection. I left my numbers to other trainers so he can call me back. However, he never picked up my phone and called me back. This is the reason I want to solve this issue through CFPB. 
Thank you.
Product: Debt collection

I was XXXX at the time of the collection and did not have anything owed to in my name. This is a mistake and is hurting my credit. I do not have an account with XXXX.
Product: Mortgage

My client is trying to do a short sale with XXXX bank. XXXX bank is stating that there is a second lien that is not paid off with XXXX XXXX XXXX Bayview XXXX She filed for Bankruptcy and this account was included in the bankruptcy. She was making monthly payments to the trustee and once the process was done her attorney told her that the account has a zero balance and that she should be receiving the deed to her house. Her attorney has no idea why there is a XXXX balance and why Bayview keeps sending paperwork for her to go to court when she does not owe anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint my self I me XXXX XXXX XXXX XXXX being not a third party company. 
I am the victim of identity theft. i reported it to the ftc and to the credit bureaus and have followed all of the steps that i was supposed to take to get the accounts removed from my credit report but i still havent seen anything removed. this is an outrage and i am about to hire an attorney to seek monetary compensation.
Product: Mortgage

My name is XXXX XXXX, property addrress is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The first mortgage is with XXXX  XXXX XXXX, the second mortgage is with Mr. Cooper, Loan number, XXXX, I entered into forebearance in midXXXX XXXX with Mr. Cooper and the forebearace ends XX/XX/XXXX. Since XX/XX/XXXX, I have tried many times calling and speaking with different Mr. Cooper reps regarding options, extending the forebearance to no avail. Mr Cooper states that the private investor is not bound by CFPB rules and the private investor is notwilling to extend or modify the second mortfgage. My last payment was XX/XX/XXXX for the regular amount of XXXX but that amount was put into a suspense account because the ballon payment was due XX/XX/XXXX total amount due is XXXX. I have contacted Mr. Cooper two or three times a month trying to get a solution but Mr. Cooper is unwilling to modify the loan and or extend forebearance. Please help.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX  Balance : {$13.00}
Product: Debt collection

I've never had XXXX as a service provider. I've been going in circles trying to fight this charge on my credit report but have been unsuccessful.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014, XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Payday loan

Have been a customer at Check into Cash in XXXX, IA for past four years, for which my ongoing business cost me over XXXX in fees. Defaulted on a payday loan for {$250.00} on XXXX XXXX, 2015. Emailed company to request payment resolution and also NOT to contact references. 

Did not resolve account for months of XXXX or XXXX, promised to pay {$250.00} by money order mailed to location. But hardships kept me from making payment including mail returned to sender delaying money order and closing of checking account. 

On Friday, XXXX XXXX, I finally mailed a payment of {$50.00} with a request to hold a payment arrangement based on the initial payment. Almost two weeks later, the location has not honored the money order, nor have they offered any acknowledgement of receipt of payment by phone or postal mail. Instead, contacts were made to my references AGAINST my written request. This is a direct violation of laws protecting consumers from unfair debt practices. 

Requesting this lender immediately stop contact of any third party or employer listed, and also no contact by telephone. Instead, include all correspondence through paper mail or email, preferably to resolve payment at different business level. 

Payday lenders such as Check into Cash are great financial institutions with a competitive product that many hard working Americans take advantage of. If hard times happen, a dedicated customer should not be antagonized or patronized for amount due, and all efforts should be made to work with customer on resolving debt. This is a situation where a payment for XXXX of the balance has been presented but not honored, with a direct violation of consumer 's written requests. 

Resolutions with lender have resulted in nil. I am unsure how to make payment of remaining funds until original payment is applied, and unwilling to work with local storefront location who has offered poor service and no regard for my direct rights.
Product: Debt collection

Original Creditor : XXXX XXXX XXXX Wouldnt show any proof of the ddbt owed.