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

15 usc 16

81g disclosure to consumer I was not informed of any activity. And my credit profile is freezed. 15 usc 1681 ( a ) (
4 ) XXXX XXXX XXXX accounts that reporting false and misleading Information. Midland credit management  accounts that reporting false and misleading Information. 
They never properly verified account. 

XXXX XXXXXXXX XXXX. 
accounts that reporting false and misleading XXXX XXXX XXXX XXXX accounts that reporting false and misleading Information. 

XXXX XXXX XXXX accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through XXXX XXXX XXXX XXXX and they are not licensed in my state.
Product: Mortgage

We originally got a loan with a company called XXXX. They sold our loan to GreenTree who in 2014 paid the wrong company for our property insurance out of our escrow account. Not wanting that to happen again this year, I called in XXXX to speak to a representative. She eventually transferred me to a rep for XXXX XXXX who supposedly emailed them what was needed. End of XXXX I received a letter from XXXX who has now taken over GreenTree saying my insurance is n't paid and so I call customer service again who assures me it will be paid on time. XXXX rolls around, XXXX XXXX still has n't been paid, and XXXX sends me a FINAL NOTICE regarding the hazard insurance. They were going to force me to buy insurance from them. I called ditech again and requested a supervisor who finally informed me their concern was insurance for the structure which is paid by the HOA. I faxed them what they wanted. Then I received a notice yesterday. Our escrow account is " short '' and they are raising our payment to make up this shortage. Turns out they not only paid XXXX XXXX the {$540.00} we owed them, but ALSO sent a {$840.00} check to XXXX who we do n't use for insurance on this property. We want our {$840.00} back and this escrow issue resolved so we do n't have to deal with it for a third year.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX Dispute of Information Pursuant to 15 U.S. Code 1640A I am writing to formally dispute certain information reported by your organization, as allowed under the provisions of 15 U.S. Code 1640A. I have recently reviewed my credit report and identified discrepancies that I believe require immediate attention and correction.

The inaccuracies I would like to dispute are as follows : [ I need the account name, address, account number & any other documents you can receive. ] I need the account name, address, account number & any other documents you can receive/provide I request that you investigate these discrepancies and correct any errors in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1640A, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice and provide me with the results of your investigation. 

Additionally, I would like to request that you notify all credit reporting agencies that have received this erroneous information from your organization so that they can update my credit report accordingly. This step is crucial to ensure that my creditworthiness is accurately represented. 

Please acknowledge the receipt of this dispute letter within XXXX business days and provide me with a written confirmation of your investigation 's commencement. I can be reached at [ XXXX ] or [ XXXX ] to discuss any further details or provide additional information as needed.

Failure to comply with the FCRA 's dispute resolution process may result in legal action, as provided for under 15 U.S. Code 1640A.

Thank you for your prompt attention to this matter. I expect a timely and thorough investigation into these discrepancies and the correction of my credit report in accordance with the law.
Product: Debt collection

I owed a XXXX credit card debt back in XXXX for which a judgement was obtained against me. The judgement was never Renewed within the 10 years allowed which means it is no longer valid. However, the agency ( kirschenbaum, Phillips and XXXX in XXXX, Ny ) garnished XXXX from my bank account. I called them to court, XXXX, NY, and the judge ruled in my favor. She vacated the judgement on XX/XX/XXXX and demanded my money be returned. The agency has been uncooperative since that time and will not release my money to me. I do not believe this agency has 1 lawyer working with them as theyve had several complaints against them on line. Please help.
Product: Mortgage

In XXXX 2015, I was notified that due to my financial hardship, I was approved for a temporary modification per a trial period from Seterus. It was my understanding that in XXXX 2015 ; I would receive paperwork. If I agreed with the new terms of the loan modification I would sign off. I had called several times throughout the month with questions, such as, if I did not want or agree with the terms, if I could pay back what was owed to put my mortgage back up to date. Throughout that time Seterus representatives called me repeatedly, their purpose was to get me to sign the paper work. Finally on XXXX XXXX, 2015 in addition to the mortgage payment I paid over {$600.00} bringing me back up to date with the payments, I was also charged for bogus late assessment fees from XXXX and XXXX 2015 that I was unaware of, my postage indicates that the payments were sent out on time. None the less I made the payments with the understanding that I would n't be obligated to go through with a modification that only decreased my loan payment by {$130.00} and would have made me obligated to pay on a loan for an addition thirty years making an original 30 year mortgage, a 39 year mortgage payment despite that I had already contributed 9 years toward paying off debt on the mortgage. Also, it was my understanding that by paying the back payments that I would be up to date on my mortgage and all would go back to normal despite the fact that I would continue to suffer a financial hardship. On XXXX XXXX, 2015 despite the fact that the monies XXXX were withdrawn from my account, the mortgage company has stated that my credit is in jeopardy because the monies would be in suspension. This was not explained or my understanding when I begun the trial period modification. In summation I paid Seterus their money. Update my account. I am a struggling single mother with XXXX dependents. This entire ordeal is wrong, unethical, and I am being penalized for something out of my control that I was n't even aware could happen. Seterus is a predatory company that should be penalized for their unethical practices, policies, and procedures.
Product: Debt collection

I noticed an account on my credit report back in XXXX of XXXX by the name of FAIR COLLECTIONS & OUTSOURCING, I immediately didn't know what the account was. After doing a little research, I see that the original creditor was TXXXX XXXXXXXX. I didn't know what that was. So I filed a police report and a Identity theft affidavit online and sent to all three consumer reporting agencies. I never heard anything back from FAIR COLLECTIONS & OUTSOURCING so I thought the account had been removed. I only get a free credit report once a year, so I don't check it often. Well when I checked my consumer report back in XXXX of XXXX, I noticed the FAIR COLLECTIONS & OUTSOURCING was still showing on my consumer report and under the notes it stated, the investigation of the dispute has been resolved. I was wondering how could that be because I was never sent anything verifying or validating this debt, nor was I informed about the investigation. So I resent my documents to the 3 consumer reporting agencies ( XXXX, XXXX, and XXXX ). Once again on XX/XX/XXXX I received an email saying investigation complete please check your dispute results online. Low and behold the account FAIR COLLECTIONS & OUTSOURCING is still on my report and the notes are reinvestigation complete this account has been updated. I still haven't received any documentation validating this account and this is not my account. The original creditor is XXXX XXXXXXXX. I have never heard or been associated with anything called XXXX XXXXXXXX. This is a fraudulent account and FAIR COLLECTIONS & OUTSOURCING are not investigating the disputes properly and just simply saying they are validating and verifying the account without doing so. Remove this account immediately.
Product: Money transfer, virtual currency, or money service

I ran a transaction on my customers card, no problem, but due to problems getting parts due to the supply chain issue the customer got angry and did a chargeback for XXXX dollars. The bank ruled against my customer and in my favor, my customer sent me a copy of the letter he received from his bank stating they ruled against him, I sent you Square a copy of that letter three times and you are refusing to acknowledge it stating that the bank ruled in the customers favor, when we ask you for confirmation of that byway of either a letter or e-mail transcript from the bank you have refused every time. 
Your dispute team has suggested to recharge my customer card so you can fraudulently keep the fraudulent balance of XXXX dollars on my account. You also suggested that I take legal action against my customer to get the money WHAT?? What drugs are you on? To demand that I do any such thing to my client who has as well spoken to you and verified that his bank ruled against him. Therefore, after many attempts to resolve this matter you continue to refuse to clear that fraudulent balance off my account leaving me no alternative but to take legal action against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request of you to remove the fraudulent accounts and information off my Credit File at the earliest possible time. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off from my Credit File at the earliest possible time : 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 You have failed to send me the required documents to support your claims that the disputed accounts and information belongs under my name. Without these documents, please have the disputed items removed at the earliest possible time.
Product: Debt collection

I got a letter from Midland Credit Management saying i owe an alleged debt of XXXX {$850.00} XXXX. I have not done any business with this company nor did I have a contract with this company they are in clear violation of my consumer rights under the FDCPA 15 1692b ( 2 ) stating that I owe an allege debt and 15 usc 1692b ( 5 ) .Midland Credit Management violated my federally protected rights governed under 15 usc 1692c, I have not given them written consent to communicate with any third party reporting agencies ( XXXX  , XXXX  and XXXX  ). Midland Credit Management violated my federally protected rights governed under 15 USC 1692d. ( 2 ) which states A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had unsolicited changes to my report without my approval, and Experian sent me an email stating my FICO score had dropped nearly 100 points because of a XXXX XXXX XXXX XXXX Credit Card glitch in transaction clearing and transfer payments from one acct to the cc account. It was taking one full month to clear due to the use of Snail Mail instead of electronic clearing. 
Experian states they are using a different Scoring System than everyone else, WHICH IS WHY THEY WERE FINED XXXX XXXX . 
EXPERIAN SENT ME AN EMAIL NOTIFYING ME OF THE SUDDEN DROP-AND FAILED TO GIVE THE INFORMATION AS TO WHY THIS HAD HAPPENED. 
INSTEAD, THEY SENT ME AN APPLICATION FOR ANOTHER CREDIT CARD THEY PROMOTE. THIS INDICATES THEY RECEIVE POINTS OR CASH FOR DOING SO. 
THEY ARE INSISTING THAT SENIORS, IMMIGRANTS, AND XXXX PERSONS ARE SCRUTINIZED BY THE SAME REPORTING COMPLIANCE AS WEALTHY PROFESSIONALS WHO OWN REAL ESTATE, STOCKS, BONDS, AND ANNUITIES. 
I WILL BE FILING AN ADA ACT CIVIL RIGHTS ACTION COMPLAINT AGAINST EXPERIAN FOR USING COMPELLANT AND PREDATORY LENDING STRATEGIES TO COERCE A XXXX CONSUMER INTO USING THEIR EXCLUSIVE PRODUCTS. 
THIS IS THE SECOND OFFENSIVE STRATEGIC " SPAM '' EMAILS SENT TO ME, ALONG WITH A CREDIT REPAIR SPAM EMAIL ( SENT TWICE. ) THE FIRST EMAIL PROMPTED ME TO SURVEIL THE WEB FOR CLASS ACTION SUITS AGAINST EXPERIAN. 
THAT IS WHEN I UNCOVERED THE XXXX XXXX $ FINE THEY WERE FORCED TO PAY BECAUSE OF THE CREDIT SCORING SYSTEM THEY USED THAT DID NOT FALL UNDER COMPLIANCE GUIDELINES. 
I FEEL LIKE THEY ARE HARRASSING ME AND USING COERCIVE AND COMPELLANT STRATEGIES TO FORCE ME TO APPLY FOR MORE THAN ONE CREDIT CARD THEY RECOMMEND. 
EXPERIAN MUST USE THE SAME UNIFORM REPORTING SYSTEM AS OTHER AGENCIES. 
THEY HAVE DISTRACTED ME FROM RESOLVING THE CREDIT CARD GLITCH WITH XXXX  XXXX XXXX. 
I AM ASKING WHY WE AS CONSUMERS EVEN NEED CREDIT CARDS, IF IT IS MADATORY THAT THE FULL BALANCE BE PAID OFF DURING THE SAME BILLING CYCLE AS THE CHARGES WERE MADE. CREDIT CARDS ARE SUPPOSED TO FINANCE DEBT. 
WHICH BRINGS ME TO ANOTHER QUESTION. THE XXXX XXXX XXXX XXXX CARD IS A XXXX % FINANCE FEE. IS THERE SOMETHING I AM MISSING HERE? 
MY OTHER FIRST SERVICE CREDIT UNION CHARGE CARD ALLOWS THE CHARGE BALANCE TO EXCEED MY LIMIT. 
I WILL BE REPORTING THIS AS WELL IN A SEPARATE REPORT. 
IN CONCLUSION, CREDIT CARDS ARE PREDITORS IF THEY HAVE COMPELLANT AND COERCIVE STRATEGIES TO PERSUADE THE CONSUMER ( AFTER PANICKING ) TO BORROW MONEY NEEDLESSLY OR USE OTHER PRODUCTS WITH THE SAME COVERT STRATEGIES THAT HARM A CONSUMER 'S CREDIT STANDING. 
THANK YOU, XXXX XXXX
Product: Mortgage

Hi, My complaint is with Loan Care.  My account was just transferred over from XXXX in XXXX  2019.  

My problem is that they do not use their "unapplied" account to hold incomplete mortgage payments.  Which I learned the hard way.

I was behind on my mortgage about 3 months.  I am XXXX XXXX so my income is not that consistent or timely should I say as things may happen with deals...

I made an arrangement to make 2 payments because that is what they would accept.  (Luckily in my job when I do get paid it's a lump sum but what about people that have regular steady pay and cant come up with XXXX in a mth...)  I ended up sending in the wrong amount by XXXX.  Instead of someone calling me they send ALL the money back to my account.  This in turn made the amount I had available for the mortgage Payment less because I had other automatic payments coming through my account but of course the mortgage is 1st priority.   This was my 1st payment with them so I had no idea they send incomplete payments back.  Not only that but you have to make 2 pmts at a time if you are behind instead of you being able to send what you have.  This also eliminates the option to pay your loan bi weekly  as I had been accustomed to.  It's a mess that I'm trying to fix.
Product: Credit card or prepaid card

I got a temporary credit from the company of {$1100.00} around 20 days ago and I was informed that I will receive a final response on XX/XX/2020. I haven't received any kind of final response regarding the matter and also tried to call on the phone number provided on the letter ( Please see attached ) but to no avail. Please tell me the final outcome of the matter. 

Other thing is, since the item I have filed this complaint, I am not able to login into my my Synchrony Account online, so please look into it.
Product: Debt collection

I had opened a phone account with XXXX for my ex spouse on XXXX XXXX, 2021. I made the first payment for her soon with in the next month we separated and have been going through the divorce process for over a year now she was supposed to pay her phone bill every month. I moved and have just received this bill in the mail from a debt collector. I'm willing to pay the cancelation fee to settle this, but I was unaware this wasn't being paid and if the phone was not used since XXXX shut it off and I had sent my other phone through the mail to XXXX because they had a deal on trading your old phone for a new one garranteed {$1000.00} trade value. I put the sticker I received from XXXX with address stamped on it on a box with my old galaxy note phone and dropped it off at ups to be delivered to them so I don't think I'm responsible for {$1100.00} I will pay for the cancelation fee in order to get this off my credit.
Product: Debt collection

To date I have received at least 10 calls on my cell phone from HRRG Collections which XXXX says collects medical debts. I do not have any medical debt and nor do I owe anyone for anything. They mask the calls to look like local calls and all the messages say do not delete this message and please call XXXX. XXXX says this is a company that used questionable tactics and do not contact them. They will harass you and increase the money they say you owe. I reported this twice to the XXXX Fraud Hotline and temporarily the calls stopped but always seem to start again. I always enter the number and block it on my cell phone but they change the number they are calling from and call again. 

I want these calls to stop
Product: Mortgage

Hello, I was given a mortgage trail period plan in the amount of {$2200.00} and also told that this amount may not change if a modification is offered and my APR is 7.35 %. I submitted my monthly income which is less than what the mortgage company is asking and I believe they are setting me up for failure with a unobtainable mortgage payment. I will be in the same position after paying the trail payment plan as I am now. I really am trying to keep my home. I have to accept the offer by XXXX XXXX, 2017 or I will be faced with a sheriff sale date of XXXX XXXX, 2017. I believe I am a victim of predatory lending. Attached please find a copy of the trail plan and my pay stub. Thank you in advance for your consideration.
Product: Student loan

MOHELA is grossly mishandling the PSLF eligible payment processing of individuals who have applied for the limited service waiver. My fully signed, fully completed PSLF form was sent by certified mail in XXXX of XXXX. XXXX XXXX sent me a letter back in XXXX of XXXX saying they had my form and were certifying my employment to check eligible payments. In XXXX of XXXX, I received a letter saying my employment was eligible. My account was sent to MOHELA as I was found to be eligible, but MOHELA is only showing my and many other people as eligible ONLY since XXXX of XXXX. This corresponds with NOTHING on the PSLF form that I ( and I assume others submitted ). I have been at the same eligible employer for longer than that! MOHELA will not respond to emailed complaints through their own site to correct the issue, even though their site claims they will respond. When form status is checked, they claim they have not loaded the form into their system, and it could take up to 30 days, but they have on their site the letter that says the loan service has had my form for months. They are doing this to many, many people and I believe are purposely mishandling the issue to try and claim people aren't eligible by the XX/XX/XXXX limited PSLF waiver deadline. Please see the XXXX thread here, where folks are all complaining about the arbitrary XX/XX/XXXX eligible date for payments that has nothing to do with what they filed. https : XXXX This is gross negligence with a waiver deadline looming. MOHELA is going to cheat people out of loan forgiveness by intentional negligence. There's no reason forms that have been filed for months are not loaded/evaluated. We're not last minute filers. And there's no excuse for simply not responding to written complaints.
Product: Checking or savings account

As part of a scam the bank has advised that they had been working on getting my funds returned but still haven't been able to find out if this is actually happening or not
Product: Payday loan, title loan, personal loan, or advance loan

On there webpage and app I'm unable to make payments. For about two months all they say is that they are upgrading the website. I requested address to mail in check and they tell me it will take too long. 

My only option to make payment is to call there customer support line. Should be other options to make payment. Sometimes it is a long process to get a hold of customer support.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX, Transunion, XXXX is govern by XXXX XXXX XXXX. And they violated my rights numerous of times. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ( XXXX XXXX XXXX )... has violated my rights NUMEROUS of times. 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. I Demand These Accounts Be Removed From My Credit Report Listed Below. ( XXXX XXXX XXXX ). ( XXXX XXXX XXXX ).