23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've put several complaints in pertaining to Midland. About an alleged debt they say I owe. They brought the debt which that's illegal because the company who sold the alleged debt ( XXXX XXXX XXXX XXXX  I never received the 1099c form so I contacted the IRS against XXXX XXXX XXXX for tax fraud. I've asked Midland to stop contacting me and they are still sending me letters. Tomorrow I will be going to the post office because this is Mail Fraud. Midland said they would Cease and Desist contact. Today XX/XX/year> I received a letter from Midland. I thought It was from XXXX XXXX XXXX because that's what the letter says, but when the person answered the phone it was Midland. Midland is in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting 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 USC 1681. 

I told Transunion, and XXXX to reinvestigate & remove these accounts : Transunion Collections : XXXX XXXX XXXX XXXX : The Open Date : XXXX XXXX, XXXX, no account # provided Transunion Hard Inquiries : XXXX XXXX XXXX  : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX  XXXX XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX : The Inquiry Date : XX/XX/XXXX, no account # provided XXXX XXXX XXXX : The Inquiry Date : XX/XX/XXXX, no account # provided XXXX : The Inquiry Date : XX/XX/XXXX, no account # provided XXXX Hard Inquiries : XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided Secondly, they stated everything will be removed in 4-5 business days and the fraudulent items are still on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

In addition to, I would like to apply the FCRA Consumer Laws : 605B 15 U.S.C 1681 1c-2, 15 U.S.C 1602p, 15 U.S.C 1692c, 15 U.S.C 1681s-2, 15 U.S.C 1681i ( 5 ), 15 U.S.C 1681s-2 ( A ) ,15 U.S.C 1681.

In Conclusion, I would like to apply FCRA Consumer Law15 U.S.C 1681n ; IF applicable to my current situation because it has been longer than 30 days that they advised me on.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX of XXXXXXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX {$4300.00} XXXX  XXXX XXXX {$5500.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX {$4300.00} XXXX XXXXXXXX {$5500.00} 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 reporting, credit repair services, or other personal consumer reports

i have tried many times times to correct these issues with XXXX  and Equifax many times, i have sent them letters on XX/XX/2021 to dispute this inaccurate information that they are reporting on my credit report and i have not heard from them concerning this matter.I will send this information to my attorney if not responded.i have attached copies of the letter below
Product: Checking or savings account

My accounts are always been charged fee 's. It taking all of my social security check each month.
Product: Credit reporting

I 've disputed this FRAUDULENT information several times, only for this company to continuously apply " paid '' debts to my credit reports.. Although, I have n't paid them anything because I do n't have any idea who they are?!! XXXX XXXX has applied tons of paid debts to all of my reports resulting in bad hits on my scores. This company needs to be shut down & I will be suing. You should first validate a debt, identify if you have the right consumer & then apply debts, but definitely not apply bogus debt reporting to anyone 's credit.
Product: Debt collection

Jefferson Capitol System has reported inaccurate information on an XXXX XXXX account that is not mine. This account was on my credit report and has been removed from every bureau once already. I have reached out to have this removed and I am still receiving calls about this account. 

XXXX XXXX Account # XXXX This account was was put on my account at random and is only on my XXXX report. it was removed once and must be removed again. Thank you.
Product: Debt collection

Had an account with care credit, it was paid off. Then in 2023 the account popped up on my report as a charge off by XXXX XXXX for the amount I originally financed was approx XXXX that was paid off, then they state XXXX is owed. My credit was excellent and then this hit my score hard. You can see my record is impeccable and this is false reporting that is damaging my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) dur 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 in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair snd 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: Debt collection

This debt was paid through XXXX XXXX. I have spoken with wakefield and associates on numerous occasions. I have also provided supporting documentation.
Product: Mortgage

please reference previous complaint # XXXX I am attaching the receipt from Truist bank and my statement where it was taken out of my account. I called the bank myself and they told me I did not pay this. This alone shows me that something fishy is going on. What did they do with this money and why are your books off? I did pay and here is the proof. I would kindly request a refund of this amount. 

Also, I am attaching the letter that I received from the past complaint. There are a few discrepancies. 
1 ) the XXXX was contacted on XX/XX/XXXX ( see disclosure showing rate lock ends XX/XX/XXXX - 6 months from lock in. 
2 ) " the cost of the rate varies '' Ok... I don't believe that people have to pay 1.5 points without anyone telling them that is how they are getting the rate. It still needs to be disclosed BEFORE I pay an enormous lock in fee of {$1700.00} and it was not. Although you are stating it does, the XXXX even apologized to me stating that she " normally tells people this '' and she was sorry that she did not in this case. During my conversation with my XXXX I WAS NOT advised of the rate lock fee or the points ... of course she is going to say this. I even called the manager to listen to the phone recording because I KNOW she DID NOT. He said they don't record those conversations. This XXXX is wrong and she just needs to admit that she made a mistake instead of lying about it. 

- the one truth is that I did receive my updated disclosure on XX/XX/XXXX through the portal HOWEVER it was never mailed to me. This was 3 days after I locked. 

The rate lock form that I signed is attached and FLOAT OPTION is marked and at the top it says... to please review the float or rate option marked below and I did just that. The float option has nothing about rate lock fees or them being non-refundable. I did not read the rest because it specifically says review the option MARKED. 

I am attaching the receipts and would like this to be revisited with MY proof that I paid even though Truist is showing no record. Please allow this to be refunded. Anyone can see that all this was just wrong and the XXXX  did not act in a professional manner and she did not do her duty to the consumer by disclosing everything ahead of time.
Product: Credit reporting or other personal consumer reports

My credit report began to show hard inquiries on XX/XX/XXXX. Each of the three credit agencies showed these hard inquiries. I have not applied for anything that would cause a hard inquiry on my credit report. 

My TransUnion report shows a hard inquiry on XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I also did not initiate. 

It appears that someone is trying to steal my identity. 

I have frozen all three of my credit reports with all three bureaus.
Product: Debt collection

In lieu of valid Assignments, Trusts continue to rely on Assignments specially made by their own law firms and mortgage default service companies. Eventually, these fraudulent Assignments are being discovered by Courts, and the foreclosing trusts required to prove that they own the Mortgage and Note in the foreclosure action without reliance on Assignments that misrepresent the date of the actual transfer to the Trust the authority of the signers of the bankrupt original lenders. For XXXX homeowners, this realization has come too late. 
Aside from the law firm and mortgage default servicing companies that fraudulently produced Assignments, such as Ocwen loan servicing, and third party manufacturing company indecomme global services, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX law firm FOR EXAMPLE they are producing fraud assignemnts. 

The entities at greatest risk that the fraudulent assignments scheme will be exposed are the title companies which all theses ( Ocwen loan servicing, and Third party manufacturing company e.g XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX law firm all owes it little title company, e-title for XXXX XXXX XXXX and XXXX associates etc ... ) are the tittle companies that guaranteed the clear and correct transfer of ownership to the trusts. ALSO at risk are the trust creditors themselves and the trustees. Both groups of entities have been on notice for several years THAT the faulty assignments were likely to jeopardize the trusts claims to ownership and ability to foreclose in the event of default, yet have failed to disclose the critical information to trust shareholder and to the sec. 

THIS COMPLAINT FOCUS ON DEFAULT buyer DEBT COLLECTOR OCWEN LOAN SERVICING LLC USE DOCUMENTS MANUFACTURING COMPANY TO PRODUCE FRAUD ASSIGNMENTS OF DEED OF TRUST AROUND THE COUNTRY UNDER THE CONTROL OF default DEBT COLLECTOR LAW FIRM LAW FIRM XXXX using ASSIGNMENTS OF DEED OF TRUST PREPARED BY XXXX, FOR DEBT COLLECTORS OCWEN LOAN SERVICING, DEBT COLLECTOR XXXX LAW FIRM see several attached documents files
Product: Credit reporting

it started with Transunion i 'm aware my score is well over a XXXX i 'm currently trying to refinance my home and dispute some items but creditor can not obtain a credit score from my Transunion file and previous disputed items have not been removed from other credit reporting agencies all my history is there but the score that was mailed off cant be honored, I went to court and the courts ordered XXXX home mortgage to reinstate my mortgage and then XXXX home mortgage offered to remove XXXX in debt from my home purchase which leaves it at XXXX with a monthly amount of XXXX please update and provide a Transunion score for my file please in reference to account no # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I paid off my student loans with XXXX. On XX/XX/XXXX I received confirmation that my loans were paid off. On XX/XX/XXXX I went to check my credit report with Experian and I noticed that XXXX months of payments were missing from my report, it showed that my last payment was in XXXX and that I owed over {$XXXX} still. I filed a dispute that day. Today ( the XXXX ) Experian got back to me and said the dispute was resolved. The total owed was the same, and they are still missing XXXX  months of payments, the only change they made was to say that they received information this month.
Product: Credit card

I have been trying to dispute several charges on my Discover credit card and after the last time I contacted your agency Discover opened the disputes and told me that they had issued provisional credits and allowed the merchants 45 days to respond or the credits would remain permanent. Two merchants provided responses that I am refuting, however, I have not heard anything on the remaining charges since. I would like someone to communicate the status of my disputes with XXXX on XXXX/XXXX/16 in the amount of {$500.00}. 
XXXX on XXXX/XXXX/16 in the amount of {$5500.00} XXXX XXXX on XXXX/XXXX/16 in the amount of {$270.00}
Product: Money transfer, virtual currency, or money service

Comerica BankXXXX XXXX XXXX  account incorrectly transferred {$3500.00} on XX/XX/XXXX, XXXX the wrong account ( XXXX ) and have refused to return the {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report with Experian information services Report # XXXX. 
My information was included in a data breach with XXXX. I found an account on my report that shows me in a negative light. This account is not mine and was opened by fraud. 
Here is the account information. 
Account name : XXXX XXXX XXXX  IN Account numberXXXX I filed a report with the FTC # XXXX I also disputed with the credit bureau with no avail. 
I'm taking these formalities to get the item investigated and removed. I have attached a copy of the credit report and my identity theft report as proof.
Product: Debt collection

OWR NOTICE OF ERROR 524 Injunction : XXXX  XXXX XXXX per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. XXXX kept sending me statements with the original loan amount and payment. I was making the required reaffirmed payment after the agreement was signed only to have XXXX escrow the payment and not apply them. In XXXX XXXX XXXX XXXX transferred the loan to Ocwen. Ocwen began the servicing rights with the incorrect balance incorrect monthly payment and a forced placed insurance policy added to the loan by XXXX XXXX XXXX which was purchased during the federal stay was still on the property and the plicy debt being asked for by XXXX XXXX XXXX and now Ocwn was not petitioned to be in the bankruptcy plan making that debt discharged.. Ocwen was notified by Mr XXXX in XXXX when Ocwen sent out the transfer notices with the original note information that the loan data was incorrect. Ocwen did not comply with the agreement until XXXX when finally Ocwen corrected the loan in XX/XX/XXXX. Ocwen at that time was still listing a insurance debt owed from XXXX XXXX XXXX and now because of XXXX XXXX XXXX actions to create an escrow account for the insurance and taxes Ocwen began placing coverage on the property in the amount of {$150000.00} even though the loan balance was only {$35000.00}. Ocwen refused to adjust any monthly statements to reflect the correct reaffirmed debt. This was a a 524 Injunction violation of the plan. Ocwen filed a foreclosure motion in XXXX the foreclosure where the case was not heard only stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now Ocwen has acknowledged that I had made payments and that XXXX   had not been compliant with my Bankruptcy plan. Ocwen has now acknowledged the reaffirmation agreement for the loan cost on payoff statements but is still demanding payment for the forced place insurance bill that was created while the property was under a federal stay. This is attempt to collect discharged debt and a 524 Injunction violation of the Bankruptcy plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a federal student loan and in XXXX and XXXX I got very I'll and became XXXX. I asked for a deferment and it was granted extending the loan until XXXX. At the beginning of XXXX I finished paying back the loan to Nelnet. Nelnet closed the loan and put six late payments on my credit reports for the period I was in deferment. This was done 6 years after the fact. I have disputed with all 3 credit bureaus and filed two cases with the department of education. Still Nelnet refuses to remove the 6 derogatory entries saying that they have no mechanism for doing so. My credit worthiness has suffered. Even XXXX XXXX removed late payment for this period.
Product: Debt collection

The debt is originally from XXXX XXXX. 
It randomly has now appeared on my credit report. I have previously spoken to XXXX about me having no knowledge of this account as I have never personally had a relationship with XXXX ever. There should be no reason why this account is in collections in my name. I last contacted XXXX XXXX XXXX about this was in XXXX of XXXX  so i thought this was a non issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX OF 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
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : Chapter XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The company is First Point Collection Resources , Inc located in XXXX NC. Had debt from an XXXX XXXX visit to XXXX XXXX XXXX in XXXX NC. Made payments to the hospital but was sent to collections. 

Received notice from the above referenced company and filed a Dispute. In the dispute we requested several items to include : 1. A detailed Invoice 2. Paperwork indicating who would be responsible for debt 3. Confirmation that XXXX XXXX XXXX is in compliance with Transparency Laws ( ie. Cost of services was not disclosed prior to services being rendered. 

Received nothing but a vague copy of an invoice that referred to several items that were not detailed as well a letter that said XXXX XXXX XXXX verified the debt was appropriate. 

The letter was from XXXX XXXX, Manager of XXXXXXXX XXXX XXXX XXXXXXXX. 

While on a phone conversation with the company they threatened to damage my credit by reporting to credit bureaus. 

I feel as though I am responsible for a portion of the debt but that the Hospital failed to be transparent and the collections agency has done little to confirm the debt and work out payment options, nothing but threats.
Product: Debt collection

I have attempted to dispute alleged debt with NCC for over a month now via postal mail. They have not responded to any attempt is getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Recent balance {$3400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. <P/>XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Vehicle loan or lease

Please see my original complaint here # XXXX. I received information from you that the claim was closed because they were correcting the problem. I received a letter from Ford Motor Credit dated XX/XX/20 stating that they acknowledged their error and were sending me a check for {$7.00} in a separate letter. I have yet to receive this as of today XX/XX/20. I have contacted them through email with no response. Therefore I am making a claim once again regarding their failure to handle it appropriately.