23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Complaint Against Midland Financial for Harassment and Threatening Behavior Dear Sir/Madam, I am writing to file a formal complaint against Midland Financial , a collection agency that has been harassing and threatening me regarding XXXX alleged debts under their ownership. I am deeply concerned about their conduct and the distress it has caused me. 

Since [ Date ], Midland Financial has repeatedly called me, often multiple times a day, including late calls, and has sent emails to my work email address. Their representatives have been extremely rude on the phone, and they have threatened legal action, including garnishing my wages and bank account. Despite my requests for debt validation, they have failed to provide the required documentation. Instead, they have only sent bills for debts they claim to have purchased from a creditor.

This behavior violates the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide proper validation of debts and prohibits harassment and abusive practices. Specifically, Midland Financial has failed to : Provide validation of the alleged debts, including documentation proving my liability. 

Cease communication after my formal requests for debt validation. 

Refrain from making threats of legal action without proper grounds. 

The ongoing harassment and threatening behavior have caused me significant distress and have negatively impacted my personal and professional life. I request the CFPB to take immediate action to address these violations and to protect my rights as a consumer. 

I respectfully request the following resolution : Immediate cessation of all harassing and threatening communications from Midland Financial.

A formal investigation into Midland Financial 's practices and their compliance with the FDCPA.

The removal of any negative information related to these disputed debts from my credit report.

A formal apology from Midland Financial for the distress and inconvenience caused by their actions. 

Please find attached any relevant documentation, including copies of the bills received from Midland Financial and records of their communication. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XXXX I deposited my last state of California paycheck & leave balanced cash-out check into this account. It was large with a net amount of {$27000.00} On XXXX they locked all 4 of my Etrade accounts and put me through 3 days of ridiculous questions of this State of Calif. check, & other deposits preventing me from any activity at all. I spent 3.5 hours on the phone dealing with several agents but mainly a manager, XXXX XXXX was making these judgment calls, even accusing me of money laundering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already talked to the bureaus. They need this updated information to come from XXXX. You didn't answer or address my question from my previous complaint. My question was the months you reported my account as CURRENT to the credit bureaus, were not really current. You were charging me late fees the entire time. They were delinquent. I haven't been current since the last time I made a payment in XXXX. Also, the information you provided to NSLDS at consolidation is not the same as what you reported to the credit bureaus. Months you show I was in forbearance to the NSLDS do not line up with the months you reported as in forbearance to the credit bureaus. Will you please re-read my complaint and answer my concerns? My concern is you reported me as current to the credit bureaus pretty much from XXXX which is allowing these accounts to sit on my credit report for 7 years from the date it was closed in XXXX. My argument is I haven't actually been current since XXXX which was the last payment I made. If I was actually current as you were reporting me to the bureaus each month, then why were late fees being accumulated during this time? My argument is that these account as a whole should be deleted from my credit report based on the fact I haven't made a payment ( been current ) in over 7 years. 
ADDITIONAL COMMENTS Please re-read what I sent. Additionally, I'd like to receive all the documentation you have on my file for each occurrence I was granted forbearance.
Product: Checking or savings account

I opened the account with a new account opening bonus of {$320.00} with a minimum deposit of {$3000.00}. I completed all of the requirements but have not yet received the {$320.00} bonus.
Product: Student loan

Greetings, Upon on the resumption of student loan repayment I was given an administrative forbearance which was set to end on XX/XX/year>. Prior to the end of this period, Mohela sent me bills that was due prior to this date. I sent email requesting why this has happened? I got an email expressing months after my first email expressing that they we are experiencing delays in responding to emails. I later got and email stating that the question was too complicated for a written response, and I need to call a customer service agent. 

I applied to XXXX  program to reduce my payment amount. My application was processed, and I was offered a repayment amount of {$200.00} per month. The bills that Mohela started generating in XXXX amounted to {$410.00} instead. I sent email requesting why this has happened? I sent email requesting why this has happened? I later got and email stating that the question was too complicated for a written response, and I need to call a customer service agent. 

In conversation with Department of Education, I was told that my XXXX application and Employer Verification information was still missing and was not sent to them by Mohela. As such, my PSLF considering for loan cancellation could not be considered. 

I would like some assistance with addressing this matter with Mohela and the Department of Education. I sent all of the Department of Education and opened a case on the matter ; however, to date there has been no response. 

Thank You, XXXX XXXX XXXX
Product: Checking or savings account

You can deny me all you want consumer financial bureau and you can agree with us bank all you want. Doesnt matter if you have granted 8 refunds. Doesnt matt how much XXXX money you deposit oh stop auto payments all this stuff doesnt matter they do not care call customer service call branch bank. Nothing works and you support us banks decession and its the truth. Doesnt matter how many statements how man transactions. Oh we think you need to do money orders to pay bills I have heard it all. I have done it all stop auto payments give up life transfer funds deposit more money. What the heck more do they expect worse banking service in the world and that is the honest truth, A pandemic means nothing and it is all m fault no matter what I so and honestly and truthfully I am. Covid 19 means nothing to the banks or the American peoples struggle and over course you well side with us bank again on there overdraft fees and them saying Im irresponsible and dont know how to manage my money. What a wonderful bank to be a part of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact all 3 credit companies and they stated they can not remove the inquires. I did not authorize any of the listing below to run my credit. I have tried to submit to remove the online and by calling, no one is able to help me. 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX InquirXXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXnquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I was shocked to see incorrect accounts on my credit report this morning, and I have no clue how they got there. I check my credit report regularly, but this time there were sudden, unexpected discrepancies. I even tried refreshing the browser, thinking it might be a glitch, but nothing changed. The errors were still there, which is why Im requesting that the documents Ive submitted be thoroughly reviewed so I can stop worrying about this.
Product: Debt collection

1. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and XXXX XXXX to pay debt collector which will give your company jurisdiction to report this debt on my credit. Regardless of what type of company you are, you still have to have a contract between either you and I or the original creditor and you that you gives you obligation to try and collect a debt. 
If you did n't purchase this debt then you surely have an obligation letter to collect. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. REGISTERED MAIL : XXXX is your final notice are a commercial lien will be filed against you and your company for dishonor, no jurisdiction and punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 Selflender has been continually reporting to XXXX that my closed account is open an negligent. I have spoken with representatives several times since XXXX including XX/XX/XXXXXX/XX/XXXX,XX/XX/19,XX/XX/19,XX/XX/19. They have refused to contact XXXX  to fix their reporting issues.  Yet, I as the consumer has to suffer and have my credit score dropped monthly for incorrect reporting on their end.  I have spoke to XXXX  on XX/XX/XXXX for an hour and they too have informed me of exact details of Selflender incorrectly reporting to XXXX. Selflender is continuing to not return calls or tell me someone will call me in a day and I never receive a call. I'm stressed and have suffered tremendously from this one situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with CHASE CARD. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CHASE CARD and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and CHASE CARD with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

I lived at XXXX XXXX When I left I wasn't aware I owed an balance. After applying for a new apartment I was told that I owe XXXX XXXX money from the time I lived there. I contacted XXXX XXXX and I was told that there were not reporting the amount I owed to the credit bureaus and offer me a payment plan to settle the debt but I instead paid it in full which was {$440.00}. After paying I waited a couple month and contacted the collection company Transworld System INC that was reporting I owed {$1000.00}. After contacting them nothing was changed they hung up on me and was very rude. I dispute this with the credit bureaus but it updated with a new balance of {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic in 2020 my entire household was hit with Covid 19 and me and my spouse was completely out of work we was very sick so I reached out to a public agency who assisted with rental payments to help me with rental payments because I had fallen behind and I had to come off of my job because I was so sick and to help take care of other household members who was also sick the agency agreed to pay 4 months of rent including what I had fallen behind of the leasing office claims they never received a payment in which the case rep who was helping me at the time sent all receipts and letters for proof in which I have attached copies of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account with XXXX XXXX XXXX. They are reporting wrong on my credit report. There was a settlement agreement on XX/XX/2017, by their attorney to make a payment of XXXX dollars a month due on the same day each month. I am paying as agreed, but why they are reporting this account is late to all credit bureaus. My right is being violated under the Fair Credit Reporting Act. My file number is XXXX under my married name now divorce. I would like this collection to be removed from my credit report. I have the right to an accurate credit report. I have a signed letter from the creditor or collector is solid proof that an agreement was made. Please delete this from my credit report
Product: Student loan

Navient is calling me 5-7 times a day at all hours of the day. They have offered me repayment terms and then changed them the next day. They have called me at work after both the owner and I have told them not to call at work. I have told them to stop using at auto dealer yet the calls persist
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXXXXXX XXXX XXXX ( original creditor XX/XX/XXXX ) Account # XXXX, XXXX XXXX XXXX IN ( original creditor XXXX XXXX XXXX XXXX Texas ) Account # XXXX, XXXX XXXX XXXX ( original creditor XXXX XXXX Bank ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Texas Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXX/XX/XXXX Bank ( hard inquiry ), XXXX XX/XX/XXXX ( hard inquiry ) 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

To Whom It May Concern at the CFPB and Credit Bureaus, I am writing to formally dispute XXXX fraudulent accounts on my credit report related to identity theft. These accounts, which appear under the names XXXX XXXX, were established without my knowledge or consent and do not represent legitimate financial obligations of mine. The fraudulent entries have severely impacted my credit accounts and financial standing, preventing me from obtaining legitimate credit. Details of Disputed Accounts : XXXX XXXXXXXX XXXX XXXX ( Closed ) Amount : { {$1200.00} } ( They also keep adding late payments which should not be possible if the account is closed. XXXX XXXXXXXX XXXX XXXX XXXX XXXXharged-Off for {$5500.00} account number XXXX. XXXX XXXX is trying to collect {$10000.00} under the account number XXXX. Reason for Dispute is Fraudulent account due to identity theft. : Fraudulent account due to identity theft. As a victim of identity theft, I am protected under several federal laws, and I request that all entries be removed from my credit report. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) This law provides the right to dispute inaccurate or incomplete information on credit reports. Since these accounts are fraudulent, they must be removed to maintain the accuracy of my report. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) This law protects consumers from fraudulent debt collection practices. As these accounts were not authorized by me, any collection efforts violate the CFPB and should cease immediately. I submitted several fraud reports to XXXX XXXX XXXXXXXX XXXX  for stolen credit/debit cards and they closed them without fixing this and then proceeded to add the debt to my report. I have called experianXXXX XXXX XXXX XXXX XXXX XXXX. They all continue to transfer me to other departments, they don't provide proof of debt or anything signed and I have also sent all 3 of them letters for debt validation that they have refused to respond to. I respectfully request that the FDIC and the credit bureaus take immediate action to investigate and remove these fraudulent accounts from my credit report to reflect my true financial standing. Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these entries.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES NOT RECOGNIZED XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX Clothing, Complete Department Stores XXXX, XXXXXXXX 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 XXXXXXXX - XXXX  XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax, XXXX - XX/XX/XXXX Equifax, XXXX Mortgage Companies XXXX Finance XX/XX/XXXX XXXX 15 U.S.C, 1681section 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 XXXX 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: 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 the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procest 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 or other personal consumer reports

Recently I looked a copy of my credit report and noticed a several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX BALANCE {$0.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

XXXX XXXX XXXX XXXX BALANCE {$0.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I made an XXXX purchase which I thought was on my XXXX card, but went to my Chase XXXX card instead. This would have been no big deal except that Chase had decided at random to change my address and so sent me no statements nor emails saying the bill was due or past due. In XXXXXXXX XXXX XXXX  sent me an email saying I had missed a payment on JPMBC, once alerted to this I managed to track down and determine what was going on, Chase admitted they had changed my address and had gotten this new fake address from the post office. After hours on the phone their customer service person agreed to waive all fees and I agreed to pay the original amount that it shouldve been in XXXX of XXXX. They then transferred me to a card supervisor XXXX ID number XXXX so that she could correct my credit report to reflect that I have not missed payments etc. She was extremely rude and simply lied saying that they could only get the address change with authorization from the card holder. At one point she, admitted they had changed the address due to the post office, not to mention several other people I had spoken to that day also stated the address change was because of the post office. She also tried to claim that they could only go by the information given on the original opening of the XXXX account, which of course had my actual Address since I have not moved in 22 years. She absolutely refused to correct the credit report and when I called to pay the original amount had put some kind of flag trying to reinstate all late fees, interest etc. my attorney advised me to pay no more than the corrected amount since they had randomly decided to change my address, and to file this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which Equifax wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXXXXXX, XXXX/XXXX XXXXXXXX, XXXX  XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX  XXXXXXXX, XXXX XXXXXXXX, XXXX   XXXX XXXXXXXX