23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company XXXX XXXX XXXX XXXX Case # XXXX, XXXX County File # XXXX Plaintiff : Capital One, Case # XXXX XXXX XXXX   XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # XXXX XXXX & XXXX & XXXX 3rd Complaint! They still can not get it correct! 
The Fraud and Misconduct continues by XXXX XXXX XXXX XXXX, Third ( 3rd )  complaint! This is with regards to information obtained from the XXXX XXXX XXXX resolution dated XX/XX/XXXX. Its been 17 days since the refund check has been mailed. Less than 40 miles between the Law Firm and my current residence. Have NOT received any correspondence from XXXX XXXX XXXX! From looking at the response from XXXX it has an old address even though my current address is in their files. See included 3 letters each showing correct address from XXXX XXXX XXXX and Capital One clearly showing correct current address as was given to both in XX/XX/XXXX. Problem being this, check that issued was supposedly mailed to me on XX/XX/XXXX shows an old address that I have not resided at for almost 2 years! They clearly have my current address! so why is the response addressed to an old address not used for almost 2 years? Why not send it to my current address? Was it really sent? Since so much time has elapsed since moving the USPS does not nor will not continue to forward mail beyond 12 months! Also, I am and have been using USPS Informed Delivery service for the past 18 months and have never received notification that anything from XXXX XXXX XXXX is in the mail to me at my current Address! 
My complaint is that XXXX XXXX XXXX XXXX had knowingly sent the refund check to an invalid address while knowing the correct address as shown on the included 3 documents. Continuation of improper handling of legal matters. If check has been submitted for payment it has not been done so by or for me! That it takes, so far 3 complaints, to get items taken care of that are legally, ethically and morarally correct! 
WHAT DOES IT TAKE FOR A SUPPOSED PROFESSIONAL LAW FIRM/COLLECTION AGENCY TO DO AS THEY SAY THEY WILL AND DO IT CORRECTLY THE FIRST TIME! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself AT MY CURRENT ADDRESS ( see above for address ), since this is the resolution expressed by XXXX XXXX XXXX XXXX in the previous complaint in a timely manner. If check has been submitted for payment it was not done by me or in my behalf and request a NEW check be reissued for the amount of {$520.00} USD be mailed to me at : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, MI XXXX in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A section 2 : 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
Product: Credit reporting or other personal consumer reports

Hello My student loans were discharged ( by XXXX ) due to XXXX in XX/XX/XXXX. I disputed the loans with all three credit bureaus on XX/XX/XXXX. I provided evidence that my loans were XXXX balance and had been discharged. 

As of today, XX/XX/XXXX, these loans remain on my credit report from XXXX. 

The loans have been removed from my credit reports with XXXX and Equifax. 

Please assist me to have these discharged, XXXX balance student loans removed from all my credit reports once and for all. 

Thank you.
Product: Credit card or prepaid card

I received a Wisely card from my job in the process of setting up my direct deposit I order another card that was the new Wisely card. I misplaced the two cards and I called Wisely and they locked my one card because the other one that was mailed to me wasn't activated. So Wisely said they would mail me another card, but my check was a direct deposit to another card that I don't have or even know where this card is, so Wisely said they mailed a new card but nobody knows where my money got direct deposited. This has been going on for 10 days. I need my money to pay my bills. Please help me, thank you.
Product: Mortgage

I submitted the loan Modification to Ocwen Loan Servicing, LLC. XX/XX/XXXX and conditions on XX/XX/XXXX. I do not receive Ocwen Loan Servicing, LLC. non-approved letter untilXX/XX/XXXX. Under California Homeowner Bill of Rights : SEC. 7.
Section 2923.6 of the Civil Code is amended to read : 2923.6.
( d ) If the borrowers application for a first lien loan modification is denied, the borrower shall have at least 30 days from the date of the written denial to appeal the denial and to provide evidence that the mortgage servicers determination was in error.
( e ) If the borrowers application for a first lien loan modification is denied, the mortgage servicer, mortgagee, trustee, beneficiary, or authorized agent shall not record a notice of default or, if a notice of default has already been recorded, record a notice of sale or conduct a trustees sale until the later of : ( 1 ) Thirty-one days after the borrower is notified in writing of the denial.
( 2 ) If the borrower appeals the denial pursuant to subdivision ( d ), the later of 15 days after the denial of the appeal But Ocwen Loan Servicing, LLC. ignored the law and continued foreclosure on my property, their attorney mail me the Notice of Trustee 's Sale date on XX/XX/XXXX.
Ocwen Loan Servicing, LLC. and their trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX continued to ignored the law and foreclosure my property.
Please see attach all documents for your to review.
Product: Mortgage

While the loan was with XXXX XXXX XXXX I was offer a trial loan modification. I began making payments to bring the mortgage into a current status XXXX accepted payments from XXXX XXXX until XXXX XXXX fulfilling my trial modification. I continued to make payments but the bank refused to accept any further payments after XXXX. All payments that were sent to XXXX were returned and not applied to the mortgage. How can pay a mortgage when they do n't accept payments. I in attempted in good faith to put my mortgage and pay off my debt as per the agreement with the bank and XXXX. They did not live up to their promises also XXXX refused to send multiple documents that were requested. Also documents that were sent to me in XXXX were from XXXX but we 're notarized in XXXX. Also these documents were from XXXX different companies and the originator of the document that was made in XXXX no longer existed in XXXX. How can a company notarized and state that a document is accurate when they did not create it. Than I looked into the head attorney for XXXX and found out it was XXXX XXXX XXXX pc. After doing research I easily found that he was no longer in business because of thousands of illegal immoral and unconcinable business practices.
Product: Credit card or prepaid card

Earlier this year, after being an HSBC Premiere customer for 13 yrs, I opted to close all my business and personal accounts and move to XXXX. I personally went into the HSBC brancXXXX on XXXX XXXX in XXXX XXXX, FL where the teller closed all the accounts, issued a bank check for the funds and assured me there was nothing more that needed to done from my end. 
A few weeks later, the bank manager XXXX  contacts me to let me know there are outstanding balances on the accounts that are accruing fees. I tell him its not possible as the accounts were closed. He shows me that they had in fact remained open. We proceed to close them again along with Credit Card account. 
XX/XX/2021 -Found out my HSBC Premier Credit Card had not been closed as instructed and was accruing fees. 
-Called HSBC Premier spoke, went through issues that had kept the account open without my knowledge, resolved the outstanding balances, brought the account to zero balance, and was assured the account was closed and that there was nothing further needed on my end. 
-Account Closure CONFIRMATION in notes attached ( Call was recorded ) XX/XX/2021 -I was in the process of refinancing 2 properties. Mortgage agent called to say my credit score had dropped due to a delinquent HSBC amount. I told him it wasnt possible as the account had been closed more than 2 months ago. 
Mortgage agent said a simple letter from the HSBC Bank Manager stating the error would suffice, and that he could send it to the Credit Bureau to rectify. 

Detailed Notes of Daily Records Attached XXXX2021 After numerous calls to HSBC in an attempt to resolve the erroneous delinquency reported to the Credit Bureaus , my credit score has dropped from XXXX to XXXX. This has resulted in the mortgage company no longer able to refinance my 2 properties as the credit score is too low, which is now significantly impacting my business and livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I never paid the following accounts late, XXXX XXXX XXXX : TransUnion is reporting no late payments, XXXX is reporting a a payment status of Current but a late payment of 30 days late in XX/XX/XXXX and XXXX is reporting no late payments, XXXX : TransUnion is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but a late payment of 30 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX and XXXX is not reporting this account, XXXX Account Number XXXX TransUnion and XXXX is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit card

On XX/XX/year> Synchrony Bank ( care credit ) decided to decrease my credit limit by over {$1000.00} with no warning ( from XXXX to XXXX ). This decreased my credit score by 18 points! Other than them doing this there was no change in my credit report that would warrant something like this. Ive never missed a payment and on the card with a {$1300.00} limit Ive never carried a balance over {$250.00}. This should be illegal! These credit card companies should at least be required to send a notice before they do something like this! I did call them, and they said its because of my credit report? Nothing changed. And they requested a letter to be sent to me ( now, only because I called ).
Product: Student loan

Discover has taken over servicing my student loan from Discover. They have redesigned the website, replacing key loan in formation such as interest rates and functionality to allocate additional payment amounts to principal, with all links leading to a graphs that showing payment history.  <P/> Now, the only option for allocating extra payment amounts to principal is by sending a written check via physical mail. Additionally, interest rate information is only shown on pdf or mailed statements, which must be downloaded and compared separately. Previously, these functions were built-in and easily accessible to borrowers.
Product: Debt collection

This is a continued attempt to collect a debt on an old credit card that I do not believe to be mine. I have requested verification of this amount, and am either ignored or sent extensive paperwork to complete. At no time has either third-party agency provided me with proof of debt. If I received anything from them that showed this was valid, I am happy to provide payment, but as my records show my last payment on the card ( which I paid in full ) was in XX/XX/XXXX, I am concerned at the paperwork stating that it was paid last in XX/XX/XXXX, years after I had moved from XXXX and last used the card. Again, I had paid this card in full and then relocated to Washington three months later. After researching both Northland Group and XXXX XXXX XXXX and learning of their less than ethical practices, I felt it necessary to report their activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX credit card issued in end XX/XX/XXXX and by XX/XX/XXXX, I called in and I paid the balance of {$410.00} ( shown in my XXXX  XXXX XXXX checking account attached on XX/XX/XXXX when the money was charged from my bank account ). 
Also, in the same day I called in, I closed my account XX/XX/XXXX. 
If you noticed from the attached credit bureau 's credit report it shows that the account has been " CHARGED OFF '' STARTING '' starting from XX/XX/XXXX till XX/XX/XXXX!!!! 
I made several dispute through the 3 main credit bureaus ( experience, XXXX, XXXX ) and the first disputes for each, ended that what is mentioned in the report is correct and that XXXX notified them that the info they provided is correct under oath!!! 
However, XXXX, came back and say there was an error in the reporting, but still there was " DISCHARGE '' for tow month after I PAID OFF my account in full and closed it myself.!!!!!! pls tell me how his works to discharge something that doesn't not exists!!! 
Then I called the AVANT themselves, and they promise to fix the problem with the 3 credit bureaus, but instead I received an email form them ( attached ) stating that the problem is not from their side, it is the 3 credit bureaus, they are the ones entering or interpretation wrong!!! 
So I replied to the XXXX  email ( attached ). 
after I called Experian again and make another dispute and the guy answered, he said he don't understand what is going on but I have to wait till the dispute is over, which yesterday I received a notification form Experian stating that the reporting is correct and will stay on my report!!!! 
You have all the proves that what I am saying is correct ( attached ) and even the credit card company is not disputing these facts at all ( that it has been paid in full and that I myself closed the account and the account was never been discharged. 
Please note that all this happen in late XXXX and beginning of XXXX ( ended XX/XX/XXXX ). 
Kindly, I need your help and assistant in solving this matter especially and as you can see in my other open CC account, I am paying my payments on time " exceptional '' as the credit bureaus stated in their report and this paid in full and closed in time, XXXX cc, is the only cc showing " delinquent ''.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. I even called them to verify it was me, and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Debt collection

in accordance with the Fair Credit Reporting act XXXX Account # 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. In addition, I was never contacted to dispute the possible fraud account and they put it on my credit report without sending me information to dispute.
Product: Debt collection

Midland credit management : XXXX XXXX XXXX  : XXXX Disputed for fraudulent activity through credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were credit inquiries on my Experian, XXXX and XXXX credit reports that I didnt make.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received a copy of my credit report and realized someone has stolen my personal information to open fraudulent accounts using my identity the following accounts are results of fraud : 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: Debt collection

In response to a letter from American Express hardship program, I made multiple payments on time and more for the amount owed. Amex sent me a collection letter stating that I haven't paid based on the agreement. This is not a true statement. I have proof that I have paid on time since being in the hardship program. Amex will not return my calls and states that is now in collection. I have tried to handle the dispute with American Express but they refuse to work with me regarding the mistake in there credit reporting.
Product: Checking or savings account

A checking account ( fraudulent account number listed ) was fraudulently opened on line using my name and ss #. No other proof was needed, such as drivers license, photo i.d., signature, etc. I researched this problem on line and discovered this scam with Chase has been going on for at least a year. Why? Since Chase does not have the proper security measures in place to avoid this fraudulent activity, opening on-line banking accounts with Chase needs to cease immediately. Chase needs to be held accountable/responsible for continuing this negligent and improper practice of opening fraudulent accounts without proper vetting. Security measures are needed to protect victims of identity theft, which Chase obviously does not have in place. For Chase to continue this practice shows negligence and criminal behavior on their part, especially since Chase is aware of this problem!
Product: Checking or savings account

In XXXX, my elderly father, XXXX XXXX, was a victim of financial fraud. East West Bank was aware that my father was experiencing cognitive decline, withdrawing large amounts of money ( about {$210000.00} ), and wiring these monies to foreign bank accounts from a joint account that my father, mother, and I held. Although we are long term bank customers where everyone knows our entire family, East West Bank did not notify our family or any government agencies about this fraud. Only after my mother and I learned about this fraud from an overheard phone conversation between my father and East West Bank and through a brokerage firm did East West Bank 's XXXX Branch Manager and the staff recount multiple instances of their interactions with XXXX about his aberrant behavior. 

We believe that had East West Bank followed the mandatory reporting requirements and taken reasonable steps such as contacting our family after the first time XXXX wired funds, we would have stemmed this financial loss. We are seeking reimbursement of {$170000.00} from East West Bank. 

Please see our XX/XX/XXXX letter to East West Bank and their XX/XX/XXXX response along with background information that was provided to the FBI in XX/XX/XXXX. 

Thank you for your help in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY.

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$10000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}