23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX XXXX XXXX have Tendered payments thereto XXXX XXXX on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX XXXX.XXXX and XXXX XXXX.XXXX and one was made at XXXX XXXX   On XX/XX/2019 I received four calls from the same number, one every hour between XXXX XXXX.XXXX. and XXXX XXXXXXXXXXXX. and one at XXXX XXXX. It was not until the last phone called I received where a voicemail was left from XXXX and its card services. When I researched the number online I saw that it was a debt collection number from XXXX. Why is XXXX harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of XXXX XXXX XXXX XXXX and XXXX dollars and XXXX XXXX cents? Furthermore, it has been [ 37 ] days since the debt was paid in full and it has yet to reflect on my credit report.
Product: Money transfers

Paypal charged me {$20.00} for a fraudulent charge back initiated by a 3rd party, i which I do nothing to do with.
Product: Debt collection

Midland Credit Managements has begun calling me incessantly and I do n't know why. I have no outstanding debt, all accounts are up-to-date, my credit score is in the XXXX and yet they keep calling. XXXX calls today between XXXX XXXX and XXXX XXXX ( Tuesday, XXXX ). I have asked them to stop XXXX by calling ( XXXX ) and by email ( www.midlandcreditonline.com/ ) and they continue to call. The only thing I can think is that they are calling for information on a relative who has some outstanding debt but that has nothing to do with me. I do not have any past due accounts and need these people to stop calling me.
Product: Credit reporting or other personal consumer reports

File a complaint with the CFPB against Equifax Equifax responded that the information was not reporting on my credit file, and I would recived an updated report to show that I never recived anything from Equifax. The account is still reporting!
Product: Debt collection

For several months, I have disputed this creditor XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  {$3000.00} I have sent letters to XXXX  and neither parties have responded to these disputes. 

I sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to XXXX about the Validation of this account. 

I am requesting for XXXX XXXX  XXXX XXXX XXXX  to delete this account off of my XXXX  report. It is not my debt and this creditor hasn't send any documents validating that this debt is mine.
Product: Debt collection

I wish to file a Complaint again XXXX XXXX  XXXX XXXX  XXXX as Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Attached are Certified copies of it's released of my mortgage ( 7 years ) ago in XXXX. 
Yet it retained a Debt Collector XXXX XXXX XXXX to harassed and terrorized me with legal actions that never materialized. 
Also attached is the Certified copy of the " Deed " registered after my mortgage was released from XXXX XXXX  and currently they file their complaint as Trustee for XXXX XXXX XXXX,,.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MIDLAND CREDIT COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE OF INTENT TO SUE Dear Sir/Madam, I am writing to express my intent to take legal action against MIDLAND CREDIT COLLECTION for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. MIDLAND CREDIT COLLECTION has failed to comply with laws outlined in the FCRA, resulting in several violations of my consumer rights. This is an ongoing issue regarding the debt that you are attempting to collect on behalf of XXXX XXXX XXXX. It has come to my attention that the original creditor has written off the debt, which means that I am no longer responsible for it by law. 

I would like to point out that, as I have no legal contract with MIDLAND CREDIT COLLECTION. It is against the law to enforce a voided contract. Once a debt has been written off by the original creditor, the responsibility for the debt no longer lies with me. Therefore, I am requesting that you provide proof that I have a legal binding contract with MIDLAND CREDIT COLLECTION proving that the debt is owed to your company. If you are unable to provide such proof, you are required by law to cease reporting a fictitious debt that is not legally binding to your company. This is consumer fraud and I am willing to protect myself at the fullest extent of the law. 

These actions have resulted in harm to my reputation, financial standing, and overall well-being. MIDLAND CREDIT COLLECTION conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that MIDLAND CREDIT COLLECTION take immediate corrective action to rectify the inaccuracies in my credit report and provide compensation for the damages I have suffered as a result of their actions. If MIDLAND CREDIT COLLECTION is unwilling to settle this matter, I am prepared to take legal action to hold you accountable for your violations of the law with {$1000.00} per violation.

I would appreciate your prompt response to this matter and ask that you cease all attempts to collect on this debt until such time as you can provide the necessary documentation.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX my ex ran my name and social security info to see if I could put a car in my name or cosign. He did so without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

After years of having a credit score around 800 and not applying for new cards or loans I suddenly saw my credit score go down on XXXX and XXXX as a result of inquiries and accounts they listed that I never requested and have no knowledge of. All three credit bureaus have fraudulent accounts and inquiries listed, as well as incorrect addresses. I've subsequently found out through the Equifax Date Breach Settlement website that my information was impacted by the Equifax data breach of XX/XX/XXXX, which I believe is the source of the identity theft and fraud that I have experienced these past few years. 

XXXX As of XX/XX/XXXX Equifax has an inquiry listed as XXXX XXXX XXXX XXXX from XX/XX/XXXX that I never applied for and a collection for {$1500.00} from XX/XX/XXXX by XXXX XXXX for XXXX XXXX XXXX with whom I have never had any dealings. 

XXXX XXXXXXXX has the same fraudulent XXXX XXXX XXXX as well as a fraudulent XXXX XXXX credit card account opened on XX/XX/XXXX with an {$8000.00} credit limit of which I have no knowledge. They also list an installment account for {$380.00} with XXXX, another company that I have not dealt with in 20 years, and nine different credit inquiries dating from XX/XX/XXXX to XX/XX/XXXX that are fraudulent as I have not applied for any credit cards or loans during that period. 

XXXX XXXX has a different XXXX account listed that was opened fraudulently on XX/XX/XXXX, as well as an inquiry by a company called XXXX XXXX for credit for which I never applied. 

I have spent a great deal of time trying to contact these companies, who all seem to make it difficult or impossible to actually speak with someone who can correct these issues. One company did an " investigation '' and determined that their information on the fraudulent account was correct ; they never spoke with me, apparently they only spoke with the thieves who opened the account. I am in the process of getting a police report as required by XXXX to look into their fraud, and that has been another time consuming, red-tape filled endeavor. On the whole these companies seem to make it easy for crooks to steal identities and open accounts and very hard for consumers to clean up the mess that they create.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX and 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 a account without my written instructions
Product: Mortgage

Summary : I several times applied for the PMI cancellation, strictly following the procedure described in the closing documents, however, the Gold Star Mortgage Financial Group, XXXX XXXX MI, did not even respond my letters. <P/>1. I closed purchasing the house on XXXX XXXX XXXX. The property price was {$120000.00}. The conventional mortgage for {$110000.00} ( which is 95 % CLTV ) had been provided by the Gold Star Mortgage Financial Group, Inc. <P/>2. Upon received the closing disclosure on XXXX XXXX XXXX I found that the PMI monthly payments had been suddenly and significantly elevated compared with the figures disclosed before. My objections were ignored. <P/>3. To avoid paying this elevated PMI, I chose to prepay {$18000.00}, to reduce the principal lien to {$100000.00} and accordingly the CLTV to 80 %. To achieve this, on XXXX XXXX I sent a letter to the Lender with a check for {$8800.00} and informed them that on XXXX XXXX XXXX I would send them another check for {$9900.00} and requested to cancel mortgage insurance. The Mortgage Insurance disclosure signed at closing explicitly claimed my right to demand the PMI cancellation once the principal debt ( $ XXXX $ XXXX $ XXXX {$100000.00} ) reduces to 80 % of the original purchase price ( $ XXXX*80 % = {$100000.00} ), which occurred prior to XXXX XXXX XXXX. <P/>4. The Lender did not address my request, they even did not clear checks for a while. On XXXX XXXX I sent another letter, reminding about my right to partially prepay the principal with no penalty. After this the checks were cleared, however, there was no motion with the PMI cancellation. Upon my visit to the Lender 's office, on XXXX XXXX I sent a third letter to the Lender, to emphasize that their position and a wish not to do anything with the PMI directly contradicts to the closing documents. However, still there is no motion about the the PMI cancellation. <P/>I am attaching only my letters to the Gold Star Mortgage Financial Group. The closing documents look standard, however, can be sent upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with XXXXXXXX XXXX. I've never applied with XXXXXXXX XXXX  I called XXXXXXXX XXXX XXXXXXXX Fraud Dept XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.
Product: Debt collection

Lockhart Morris & Montgomery. XX/XX/2020 is the date this was reported on My credit report.. I've tried several times to reach out to this company to resolve. I have no knowledge of this debt. The amount is XXXX.
Product: Credit card or prepaid card

InXX/XX/XXXX and XX/XX/, my Barclays Master Card showed a charge for {$100.00} each. The payee was The XXXX XXXX XXXX. I had terminated my membership with them in XX/XX/. There were no more charges afterXX/XX/XXXX ( or XX/XX/XXXX? ) ofXX/XX/XXXX. Then, in XX/XX/XXXXand XX/XX/XXXX, they charged me again. 

I called the XXXX XXXX. They stopped further charges but never refunded me the {$200.00}. I then filed a dispute with Barclays. They asked me, naturally, for a report. Even though I already gave them all the facts in my first complaint, I did it all over again. Then they gave me credit for the charges. Then they left me a voice message and demanded I give them the facts again within like 2 days of the message. I did not get the message until after their ( arbitrary ) deadline. Nonetheless, I also got a letter in the mail requesting -- once again -- the facts. I -- once again -- gave them the facts. I received an email telling me that my case is closed because I did not respond ( XXXX! ). They reversed the credit and I am again out {$200.00}. 

The XXXX XXXX is NOT entitled to my money. Barclays is violating the lw with their non-actions and ridiculous run-arounds. 

It is YOUR job to enforce the laws. DO IT! 

Barclays is doing this because they know darn good and well that the XXXX XXXX in the White House appoints other XXXX XXXX to the agencies who then sabotage the mission of that agency. Like destroyers of the planet for the EPA. Or oilmen for Interior. Or incompetent XXXX for Secretary of State. Or XXXX, XXXX, XXXX XXXX XXXX for Dept of Justice. Therefore, I have no illusion that the Consumer Financial Protection Agency, hero XXXX XXXX 's super accomplishment, will actually do anything about this. In fact, you all ( XXXX appointees, I am talking to, not career workers who have to suffer ) probably got together with the big banks and made lucrative deals to stick it to the workers, consumers, and small, local banking outfits. 

But I am making this complaint anyway, because I dare you, XXXX XXXX, to actually ignore me.
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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX Account # XXXX XXXX {$4600.00} Opening Date : XX/XX/2019 has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX 
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 than seven years.

15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was contacted by XXXX with letter dated XX/XX/2022 on potential ID Theft by someone opening an credit card account using my identification. I confirmed that I had not opened the XXXX account in question and confirmed that the Texas address used in related hard inquiries was fraudulent. In letter dated XX/XX/2022, XXXX reported to me that the account was found to be fraudulent and had been closed and they said that they would send updated information to the credit bureaus to update their information ( e.g. delete fraudulent Texas address ). 

On XX/XX/2022, I began to contact credit bureaus to verify that the fraudulent Texas address had been removed from my credit information. After verifying my identity, XXXX said that they deleted the Texas address right then. XXXX, however, said they could not change the information, even after verifying my identity.
Product: Mortgage

Closed on loan # XXXX Loan Care on XX/XX/2020. 
Failed to file mortgage discharge with the recorder of deeds for 109 days. 
Had a shell company file the mortgage discharge - called " XXXX XXXX XXXX '' from a branch in XXXX Washington, whose corporate address is in XXXX Colorado. 
Per RI General law 34-26 they owe the state of RI a {$50.00} penalty and {$5.00} per day after 30 days of not filing for a total of {$440.00}.
Product: Credit reporting or other personal consumer reports

I am now in pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the Equifax credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate and false information consists of a car loan lease XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX account number XXXX on XXXXXXXX XXXX XXXXXXXXA credit card From XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX was open XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX was open XXXXXXXX XXXX XXXX.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report do not recognize the aforementioned accounts.i have attached a copy of the FTC IDENTITY THEFT CRIMINAL COMPLAINT case number XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts , collections of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against my mortgage company regarding inaccurate reporting of my payment history to the credit bureaus, which has caused a significant drop in my XXXX XXXX ( XXXX points ). The issue began in XX/XX/year>, when I noticed a marked decline in my credit report due to a reported missed payment for XX/XX/year>. 

However, the payment for XX/XX/year> was made on XX/XX/year>, and I have documentation confirming that this payment was submitted and processed as intended. Upon reviewing the issue with my mortgage company, I was informed that the payment was applied to XX/XX/year>, despite my intention and expectation that it would be applied to XXXX. 

I have had numerous communications with my mortgage company over the past XXXX months. They have continuously provided conflicting information regarding the forbearance period I was approved for. The company claims that the forbearance was approved for XXXX, XXXX, and XX/XX/year>, which led to the payment being misapplied. However, I have the forbearance agreement that clearly shows approval for XXXX, XXXX, and XX/XX/year>, not XXXX. Also if the forbearance period was for XXXX XXXX and XXXX then there should not be a missed payment for XXXX. Despite submitting supporting documentation and filing multiple tickets, I have not received a satisfactory resolution. Unfortunately, my disputes have been denied, and I have received no meaningful assistance. 

The issue was escalated to a supervisor who, after reviewing my case, stated that there was nothing further he could do other than send an email to their credit team. This step has already been taken, and it resulted in another denial without any resolution. 

Given the circumstances, I am requesting that the CFPB assist in resolving this matter, as my attempts to work directly with the mortgage company have been unsuccessful. I am seeking that the mortgage company corrects the error on my credit report and ensures that my payment history is accurately reflected. 

Thank you for your attention to this matter. I look forward to your assistance.
Product: Bank account or service

On various occasions i have overdraft my personal bank account. My pay day falls on every other saturday. As per bank policy i understand overdraft fees will be assessed. On my payday i have received text message from the bank advising me of available balance with the overdraft fees already being subtracted. On monday morning when i got to check my bank account i have been charged with extended overdraft fees. This is a glitch in the banking system but it has been costing me and no one can seem to help me i have called the bank customer service and have gone to the bank and no one wants to reverse the fees.
Product: Mortgage

My loan was sold from XXXX XXXX to Mr Cooper starting XX/XX/XXXX. I had autopayments set up with XXXX XXXX. During the transfer of the loan, the automated payment date was modified which resulted in the first payment having insufficient funds. Upon notification of the problem, I called Mr Cooper XX/XX/XXXX to make the XXXX payment and the representative walked me through setting up the auto payment on their web site so that future payments, including the XXXX payment would be automated on the date of my choice. 

A few days later, I used their website to verify my manual payment, however, the auto payment was not scheduled. So I called yet again and the rep said that he saw that I had set up the autopayment but that it was not showing up on my account on the web site. He had no idea why he could see that I had set up the payment but it was not showing on my web portal. So I went through the process again. 

XX/XX/XXXX, the following month I get XXXX mail that my account is deliquent. I log back into my account and there is no autopayment. XXXX the automated phone service is MADDENing. 

ALSO, my loan was transferred in XX/XX/XXXX and in the same month I get a notice from them that there was a security breach with my personal information. I would never use this company if I had a choice. I HAVE NO CHOICE, unless I want to refinance at a higher interest rate. Help!
Product: Bank account or service

It 's almost comical about how hard it is to do business with USAA or how hard USAA makes it. USAA is impossible to deposit cash with and their XXXX store locaitons do not take cash. 

I recently was paid in cash and went to get a few money orders that were certified payments, yet USAA insists on putting everything on hold. This is a nightmare! 

The iPhone app they say will tell you if the deposit is going to be palced on hold before you deposit and this is true only some of the time. I find that other times after the deposit has been made only then do I get notified that the deposit is going to be placed on hold for " security '' reasons ... yeah right ... .security ... More like USAA wants to hold my money and invest/lend it and then release it to me 6 or 7 days later. Sounds like a good scam to me. This makes no sense. I have yet to deposit a check into my USAA bank account that has bounced. 

Whatever happened to banks doing the right thing for their customers? 

I ask that USAA not contact me by phone regarding this matter, by mail only.
Product: Credit reporting or other personal consumer reports

XXXX Bank XX/XX/XXXX ; Advantage Credit XX/XX/XXXX ; XXXX Bank XX/XX/XXXX ; XXXX Bank XX/XX/XXXX ; Bank XXXX XXXX XX/XX/XXXX