23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX XXXX/XXXX, as well as, a collection agency by the name of Midland Credit Management , Inc . 

XXXX XXXX has deceptively charged off a credit card account, and sold a false fraudulent collection amount of {$360.00}, to the above named collection agency, in my name. 

The account ending in XXXX was paid in full several times, but XXXX XXXX kept adding false fraudulent late fees, and charges to the account, thereby refusing to allow me to pay off the balance I owed to close the account. 

As my attached statement shows, I owed XXXX XXXX {$62.00} as my total balance on the account in question as of XXXX of XXXX. 

I made payments to XXXX XXXX in the amounts of XXXX, XX/XX/XXXX, ( Confirmation # XXXX ), as well as XX/XX/XXXX I paid {$36.00} ( Confirmation # XXXX ), these two payments were more than enough to pay off what I owed to the account. 

What XXXX XXXX has done, is to continue to add a {$39.00} loan sharking fee, along with finance charges, to a false past due balance that they have created on the account, and have ran this balance up to the {$360.00}, that they have falsely put my name into collections for. 

I am attaching a copy of my credit report, and on the report you will see that they are not showing the true information as to how they have come up with the false fraudulent balance that they are trying to make me responsible for, the {$360.00}. 

For starters, when you look at my credit report you will see that in XX/XX/XXXX, they are falsely claiming that I owed {$91.00}, when in actuality as the statement that I have sent in with my complaint shows, I only owed them {$62.00}, and as stated Ive paid them all of what I owed to them. 

I would like the Consumer Financial Protection Bureau fully involved in my complaint, both XXXX XXXX, and Midland Credit Management can contact the Consumer Financial Protection Bureau, the Bureau can contact me. 

I want XXXX XXXX XXXX, and Midland Credit Management, to cease and desist from contacting me again, about their fraudulent debt. 

Midland Credit Management just took it upon themselves to slander my credit without verifying this debt first, they just went and took the word of XXXX XXXX XXXX  without contacting me.
Product: Credit reporting

I continue contacting Experian about a address on XXXX XXXX on my credit file, asking to be remove. The address is not mine its assoicate with my relative with the same first and last name. Experian would'nt remove the address. I upload a copy of my Id, social security card, and copy of a bill, as told by Experian. Now Experian refusing to remove the address at XXXX XXXX. I 've called multiplies time. Still no result. Im trying to aviod my Identity from being used. I apply a fraud alert.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an inaccurate entry related to a bankruptcy that I have not filed. According to the Fair Credit Reporting Act ( FCRA ) 611, it is my right to request a verification or removal of this incorrect information.

The erroneous bankruptcy details are as follows : [ bankruptcy_info ] In accordance with the FCRA 611 ( a ) ( 7 ), I kindly request that you initiate an investigation into this matter and provide me with the " Method of Verification '' used to confirm the bankruptcy. Specifically, I require the following information : 1. 2. 3. 4. 5. The name of the courthouse where the information was verified. 
The name of the person at the courthouse who handled your request. 
The address of the courthouse. 
The telephone number for the Clerk of Court 's office.

The specific document you obtained to verify the bankruptcy.

Should you fail to comply with my request within the 30-day period as stipulated by FCRA, I will consider taking further legal action. Please respond to me in writing at the above address. 
I trust that you will handle this matter with the urgency and seriousness it requires. Your prompt attention will prevent any potential negative impact on my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX again ran my credit for a company called XXXX  XXXX  XXXX. After they knew the company was fradulant but this time they used a different ss number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion because I have several inquiries on my account that I did not approve. XX/XX/2021 I unfroze my credit to apply for a auto loan thru my bank which is XXXX XXXX XXXXXXXX XXXX XXXX. I got approved thru my bank and proceeded to a dealer with my approval from my bank i purchased my vehicle thru my bank XXXX XXXX XXXX XXXX XXXX XX/XX/2021. I have a open auto loan on my credit report with my bank. I have several inquiries as if I applied for loans thru all of these other places that I did not. When i contacted Transunion XXXX made it seems as if he could not help me. He stated that it seems as if I applied for credit with them. Under the fcra it is there duty to report accurate information.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX XXXXXXXX XXXX , started reporting negatively to my account when I noticed they were already reporting for a few months missed payments. I was a victim of identity theft and did not grant permission to 1 report to my consumer report or grant permission to use my ssn and first and last name. I have contacted them on a calculus of occasions and have sent in a litany of correspondence to no avail. I have a consumers report an ftc report as well as affidavit to affirm my truths. Even as well as reached out to cars as they have verified the account even tho my address is incorrect and I have provided affidavit sent to company with tracking numbers in which they had 30 days to respond or removed the negative reports but still have not. I have also pulled a report from the Secretary of State in regards to any debt owed to anyone by myself registered with the state or liens. Which further confirms I have no obligations to pay anyone
Product: Student loan

When I first learned I was eligible for PSLF in XX/XX/XXXX, I immediately contacted FedLoan Servicing to transfer ALL my federal student loans to FedLoan so I could participate in PSLF. A FedLoan rep talked to me on the phone while I logged onto StudentLoan.gov and made the request. I also signed papers Fed Loan sent me. I clearly stated I no longer wanted any in-school deferment and signed a waiver.
However, FedLoan only transferred and re-consolidated {$94000.00} of my federal student loans. In XX/XX/XXXX I discovered XXXX/XXXX XXXX XXXX still held approximately {$32000.00} in federal student loans. I immediately contact XXXX and FedLoan Servicing to request the loan be transferred to FedLoan and re-consolidated to participate in PSLF. I resumed making payments on those loans in XXXX or XX/XX/XXXX, and have continued making payments to this day.
It took FedLoan seven months ( and over six phone calls and three complaints ) to finally transfer my loans. The loans were transferred XX/XX/XXXX.
Despite filing frequent ECFs, FedLoan has refused to designate any qualifying PSLF payments towards those loans. The first time I called about this, a manager told me she had no idea why those loan payments were not counted towards PSLF. She told me she would start a six month review.
When I called today, a representative told me those loans had been put into an administrative forbearance from XX/XX/XXXX to XX/XX/XXXX, and again in XX/XX/XXXXto XX/XX/XXXX. The loans had not even been transferred to FedLoan at that time, they were still with XXXX. BetweenXX/XX/XXXX and XX/XX/XXXX I made repeated requests to XXXX and FedLoan to transfer the loans and reconsolidate for PSLF. I made payments during the time, worked full time at a qualifying job, and was not in school.
My FedLoan account number is XXXX.
Product: Debt collection

I received a notification that there was a collection sent for the amount of {$160.00} by XXXX. 

I contacted XXXX and notified them my identity was stolen and have a police report regarding it. 

XXXX says I have to contact TrueAccord and have them reverse the collection they sent so they can help resolve the issue as it pertains to identity theft XXXX said for me to please ask TrueAccord to return back the collection debt to XXXX so they can help resolve this issue as they said they were not supposed to forward to the collection agency
Product: Mortgage

We have tried for over a year to get the last XXXX years of phone recordings between ourselves and Select Portfolio servicing as these will be non disputable proof that it was XXXX. Their phone system that failed to used the entered account number when we made the trial modification payment of {$4300.00} and that we were advised when it was sent through an old account that they have on file ( THEIR phone system mistake ) that they apologized and that we should wire the funds to ensure no mess up. We did this. We also made subsequent payments that at first were accepted and then all of a sudden would not take them claiming it was because that first payment was returned- the records will show in conversations that they apologized and the wire arrangement was acceptable. 
XXXX. They have XXXX payments from over a year ago XXXX each for {$3500.00} that we have sent proof of ( they were bill pays ) the back and front of repeatedly through email, fax, XXXX certified return receipt/ XXXX XXXX regular and overnight. Over {$500.00} in doing this. These payments we have been recently advise are in investigation- escalated currently. 
This has been going on for over a year! 
These payments need to be posted and any fees associated credited and the trial XXXX reopened for the payments of {$4300.00} The phone records are paramount as they have such " high turnover of employees '' we have been told that it has been passed along and along soooo many times. XXXX has a XXXX XXXXXXXX XXXX XXXX XXXX all over her head and has put off XXXX to deal with all this and it is VERY stressful and emotionally strain inducing to have these ridiculous games going on in a home we have lived in for XXXX years. The builders alone caused many many issues from the moment we moved in with essential things not done and bills they had not paid to many vendors of materials and other installs- thankfully title insurance covered most of this. In XXXX when SPS took over the servicing of the loan they said we were XXXX payments behind - at this time they were well over XXXX XXXX a month. 
It took us a year of calling and doing the same thing as is occurring now to finally get the XXXX XXXX  " found misposted '' - it is very disappointing that we are here again. SPS has a very bad reputation in many ways with numerous customers that we have seen in our research. XXXXXXXX XXXX as well. 
We appreciate your assistance in getting these phone records and rectifying the trial modification being put back into place and those XXXX missing payments being posted. 
It would be very nice to have refunded to us the monies that we spent in sending them physical proof as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Checking or savings account

I deposited a check into my checking account at my bank 's ( Bank of America ) ATM on XX/XX/XXXX. The bank put a hold on the check. They would not release ANY of the funds to me. I checked with the issuing bank for the deposited check and they deducted the funds from his bank on XX/XX/XXXX. I went into the branch where I deposited the funds and they said I have to call customer service, they have nothing to do with the ATM. It is BOA and they have nothing to do with the ATM at their branch! I have been calling the customer service number at BOA every day to ask them to release the funds and they keep giving me the run around that they have to verify the check, they don't have the funds from the issuing bank, the issuing bank has not informed them that the funds are available, the funds have to go through the Federal Reserve before it gets to them, they need to validate the funds from the paying bank, the check is still being verified, the funds have to be validated, etc. etc. etc. I have even spoken with several supervisors and they tell me the same thing. 

This is not the first time they have done this to me. I deposited a check from my mother to my account at a BOA ATM on or about XX/XX/XXXX ( I can get you exact dates if you need them ) and they deducted the funds from her account the next business day and they still did not release the funds to me until 10 days later.
Product: Mortgage

XX/XX/2018 a hail storm damaged the properties roof, homeowner filed a claim with his insurance provider, check was written from insurance company out to homeowner and mortgage carrier. Mortgage carrier asked for the check signed by the homeowner and the homeowner complied with that request. 

Reverse Mortgage Solutions has taken money from an insurance claim back in XX/XX/XXXX and still hasn't released the funds to start the project. The contractor has submitted everything necessary to have the funds released and has jumped through all the hoops back in the beginning of XX/XX/XXXX. RMS, has said multiple times that they will have the check out in the mail within 5 business days. 

XX/XX/2018, while on the phone with a representative of RMS the contractor submitted via email the 3rd party authorization & agreement to release, XXXX, a signed contract, itemized estimate, insurance scope, contractors license, contractors insurance. 

XX/XX/2018, contractor called RMS and needed to resubmit the same info from the XXXX of the month because the info given to the contractor was incorrect ( internal claim # and email address ). 

XX/XX/2018, the contractor called RMS again to confirm that RMS received the email sent on the XXXX. The info was received by RMS and the representative said the funds were to be released in 5-7 business  days. 

XX/XX/2018, contractor called RMS to see if funds were released yet and they said a delayed occurred and it would take another 5-7 business days before the funds would get released. 

XX/XX/2018, contractor called RMS again and funds still haven't been released. Contractor asked to speak to manager, manager called back a few hours later and requested documents that were already sent in. The contractor told the manager of RMS to check the email sent in on the XXXX of the month and he would find it, manager of RMS found the documents and said the check would be in the mail in 5-7 business days. 

In the later weeks in XX/XX/XXXX the home owner and daughter called and RMS said the check would be in the mail in a few days and that they would have it in about 14 business days. 

XX/XX/2018, contractor called RMS asking for a status on the funds for the project, the funds have still not been released and that it will take another 5-7 business days before they can cut the check. The contractor then informed RMS that a new problem has developed because the company has delayed releasing the funds, a leak in a bathroom has started. 
A manager with RMS told the contractor that the home owner should file a claim with the insurance company. 
The contractor told the manager with RMS that the leak has developed because of the RMS 's negligence and that it isn't right that the homeowner should have to file another claim or pay another deductible because he did everything possible to mitigate the damage and move the project forward. In fact, the responsibility is on RMS because of the obstacles that they put in place in this process and their purposeful withholding of the projects funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested to CREDIT BUREAUS to update the inaccurate accounts which another credit reporting agency found to be inaccurate and had corrected. Due to lack of response which I classify as frivolous, CREDIT BUREAUS have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them XXXX more chance to correct their errors and FIX my records. Please update the following accounts, DEPTEDXXXX XXXX Balance {$2000.00} and DEPTEDXXXX XXXX Balance {$4500.00} which XXXX, Equifax and XXXX have failed to provide proper verification and another bureau has found to be inaccurate. CREDIT BUREAUS have 30 days to FIX the accounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I decided to buy a home. I went to a place called affordable housing. In affordable housing they started off by asking what my credit score was and I had no idea at the time. They recommend I got my credit report pulled and we go from there. As we reviewed my report I notice a numerous of things that were not mine. Can you please remove these items from my report. XX/XX/XXXX/XX/XX/XXXX XXXX {$2500.00} XXXX XXXX {$2200.00} XXXX XXXX {$2000.00} XXXX XXXX {$5500.00} XX/XX/XXXX/XX/XX/XXXX XXXX {$3500.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$77.00} XX/XX/XXXX/XX/XX/XXXX XXXX {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) a  correspondence to XXXX ( XXXX ) in regards to a falsely reported item/account being reported to the credit bureau ( s ). This correspondence was received on XX/XX/XXXX per the above referenced tracking number and signed for by XXXX XXXX. As of XX/XX/XXXX I have not received any response from XXXX, which is a grave dishonor on their part. This corporation is in violation of 15 U.S. Code 1692g, by falsely reporting items/accounts to the credit bureaus without first lawfully verifying, validating and confirming that what they're reporting is in fact correct and not false. The credit bureau ( s ) have also falsely continued report the false item/account on my credit report. I am also filing a police report as one the final steps before pursuing litigation and suing all of the pertinent parties involved i.e XXXX and credit bureau ( s ).
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$460.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$1300.00} XX/XX/XXXX XXXX  XXXX Balance : {$380.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$180.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXXXXXX : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I previously submitted a complaint in XXXX and Wells Fargo said they could not refund me my annual fee because my credit card doesn't have a fee. This isn't true. My credit card has a {$95.00} annual fee that I want reimbursed to my credit card. They charged me a fee for this XXXXXXXX XXXX XXXX and did not provide the benefits, such as XXXX XXXX XXXX  status, despite having called them many, many times. They only provided the status recently after filing a complaint with CFPB. The entire time I had this credit card I did not have XXXX XXXX which I should have and even though they charged me via an annual fee for this benefit. I want my annual fee refunded back to my credit card otherwise I will move this to the next level and file an investigation with the Office of the Comptroller. Other people have had the same thing happen as well and they seem to not want to rectify it and they still haven't provided status. I can see why they receive an F from the XXXX XXXX XXXX. Seems like unscrupulous banking practices to me.