23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern, We are contacting you, with the hopes that you will assist us in resolving a very unfortunate matter that has happened between us and our lender, Midland Mortgage.
As a result of a medical hardship and defaulting on our mortgage, back in   XXXX   of 2017, we applied for mortgage assistance with Midland on  XX/XX/XXXX . We heard NOTHING from them, until  XX/XX/XXXX  when I received a denial letter.. with no explanation.
When I called Midland, I was told that our home had been sold on  XX/XX/XXXX .
On  XX/XX/XXXX I received a letter stating I still had time to save my house.
I received NO Notification of Sale, I also never received Notice of Publication and when I looked on my own, I only found 2 publications. the requirement is publication, being 4 weeks in Wyoming.
When we spoke to Midland on  XX/XX/XXXX , we told them that the sale of the house must have been done illegally - and they hung up on us. We called back on  XX/XX/XXXX  and when we brought up the improperness of the sale, Midland hung up on us a SECOND TIME.
To complicate matters even more - this sale was conducted in   XXXX   XXXX   County. We live in   XXXX   XXXX  . I 'm not an attorney, but I do believe that makes the sale null and void. They are currently being represented by  XXXX  and   XXXX   and we are getting little to no cooperation from them either - they have hung up on us, when we called on  XX/XX/XXXX  for information.
This complaint is being filed, not only with the Consumer Financial Protection Bureau, but with the Consumer Complaints division of the Wyoming Attorney General 's office.
Please contact us immediately, so that we may resolve this matter and go back to the table in good faith negotiation with Midland Mortgage.
Sincerely,   XXXX   XXXX     XXXX     XXXX
Product: Debt collection

Since XXXX XXXX XXXX XXXX ( Under Lender Live XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX ) assumed my mortgage debt from XXXX In XXXX 2015, I have experienced nothing but harassing phone calls and now false reports on my credit report. Each month through multiple harassing calls I have informed and provided documentation that my mortgage has been paid for the month and that the lender has cashed the check. Each month is a different excuse, such as : they misread the account on the check or when I sent it through their web site, I was told it was the wrong account. Now they are sending letters not to my mailing address, but to the house ( which is rental property ). Also, they have began placing late payment information on my credit report. I have documentation of all cancelled checks, verification of payments submitted, and email correspondence where I have identified the issue each month and provided the information for them to correct. I have never been late on a mortgage payment or had any issues until this company assumed the mortgage. I would like this matter corrected and my credit report adjusted immediately. Your assistance is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below items do not belong to me. Please assist me in getting these items removed. I have sent in a police report to the XXXX and XXXX with regards to this account not being mine. Navy Federal Credit Union - XXXX : {$22000.00} ( XXXX XXXX XXXX ) The following items are reporting incorrect late payments on my credit reports. Please investigate this matter and remove the following accounts : I have noticed the day of activity does not match. I have tried resolving this issue with UPGRADE ( XXXX XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX XXXX, XXXX ), XXXX NAVY FEDERAL ( XXXX & XXXX ). I havent had any luck fixing this issue. I have asked them to please provide on many occasions, documents verifying that I own these accounts at question and they have not. Please investigate this matter and remove the following accounts. 

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Vehicle loan or lease

I became XXXX in XX/XX/year> and as a result I was not able to make normal payments which put the car loan behind but I managed to catch the loan up! I had XXXX XXXX in XXXX of XXXX and I was in the hospital for XXXX  days and I explained to the car lender what I was going through how that I lost income and was waiting for the social security administration to approve me for XXXX I did my best to make the payments but in XX/XX/year> the reposed my car with some of my personal items still in the car!
Product: Credit card

1. Wire was sent for {$610.00} to American Express for my account ending in XXXX 2. American Express received payment in time and the payment notes included the account to apply payment to 3. American Express was negligent and simply returned the wire on XX/XX/XXXX stating -- no payment instructions... despite ME indicating card account to apply payment 4. American Express is negligent in their operations and handling of this -- they caused the late payment ( NOT ME ). I sent payment in full via wire, marked what account to apply payment to and then American Express waited 2 weeks and simply returned the wire stating didnt note where to apply -- FALSE. They never contacted me ( 20 year client ) if questions, This is negligent. 

I AM NOT LATE PER THE FACTS AND DATA I HAVE. The letter American Express sent in response to the original compliant is corrupt and negligent since they received the payment and marked in the notes what account to apply to. They need to reverse the late charge and ding because it's THEIR FAULT OF HOW THEY HANDLED the same way I have wired all my payments before which all have been applied just fine. Why the random change? 

CFPB DO YOUR JOB! Stand up to wrongdoing on large corporations who do not handle their customers accurately and on time payments properly and then just pin blame on us,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with XXXX for allowing information to be reported to my credit after it was reported as fraud. I got an email from them that the documentation was n't acceptable or that they needed something additional. I have attached that snippet to this complaint. I submitted a valid/approved police report from my local state agency. They are asking for all of the pages. I submitted all of the pages. It was only one page. It has the officers name that approved it, with the date, time, and the state agency that approved it. There is nothing else that goes along with it. I called the agency and they said that there is nothing else that the bureaus should need. They did advise me that I have the right to file a small claims lawsuit against them if they continue to give me any issues. I will be doing so this week if I get another email stating that what I have sent over is n't acceptable which is letting me know that the cfpb, XXXX is all working together. I am also waiting to see what the outcome will be in regards to my complaint with the ftc. All I want is for them to remove the XXXX XXXX XXXX that was just reported, which should n't have been because it was just removed and XXXX XXXX XXXX needs to be removed as well as I have been stating for the past couple of weeks. I am beginning to think that they are refusing to remove the information and if that is the case I will be taking further action. I look forward to this being resolved. 

Transunion also allowed an item to be reported to my report as Fraud and that was XXXX XXXX XXXX. It was reported on XX/XX/XXXX. That needs to be removed as well as it was fraud. I have sent them over a fax with the same information along with my police report and I have n't gotten a response.
Product: Credit card or prepaid card

I applied and was approved for HSBC Premier World Elite MasterCard credit card. One of the advertised benefits of this card is a membership to a lounge service called XXXX. Each time I try to register for XXXX membership, they tell me the card is not valid for membership and tell me to contact HSBC, the bank. The bank tells me there's nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX XXXX {$270.00} XXXX
Product: Student loan

I have 3 private loans open with Navient they have been since XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from XXXX XXXX XXXX college. 
The one loan is for XXXX, XXXX which was originally for XXXX. The other Loan for XXXX was for XXXX the last was XXXX and was XXXX the loans have never went down only went up over an 12 year period.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX keeps coming back verified within 24 hours and not sending information on what steps or information they have obtained to verify information as accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to Experian credit company regarding a bankruptcy on my credit. I have ask for they to verify and who verified it, they havent send me a letter or nothing on the information Ive requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account Number XXXX 15 U.S.C. 1681, section 602.A states I have the right to privacy.

15 U.S.C Section 604. A.Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I was a victim of identity theft and noticed a collection from PROCOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PRO COLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

National credit systems has no respect for the laws. I have already informed them about their violation of the Gramm Leech Bliley Act since they can not provide me with permission they have from me to share my non-public personal information with non-affiliated third parties. National Credit Systems must provide me with documentation that proves they work in house for XXXX XXXX and that they are not just a debt collector or debt buyer that bought the debt with no authority to my personal information or agreement with.
Product: Credit card

I believe the account is invalid. Westlake Financial ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. WESTLAKE FIN XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 list of accounts XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX 15u.s.c. 1681 section 602 a states i have the right to privacy 15 u.s.c. 1681 section 204a section 2 also state a consumer reporting agency can not furnish an account with my written instructions 15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information related to a consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I filed a complaint # XXXX which is still open on XXXX XXXX XXXX account XXXX XXXX and account # XXXX where these two accounts show as charge offs with a balance showing. A charge off eradicates the debt and l have never received a Form 1099-C on either account
Product: Credit reporting, credit repair services, or other personal consumer reports

You have recently checked my credit report and seen some inquiries I did not authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax )
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ stall tactics. They stated that they received a letter from an " unauthorized third party credit repair company '' when in fact I sent the letters that I had notarized with an official seal. Additionally, I sent the letters with a copy of my my state drivers license as well as my social security card which were also provided to the notary as proof of my identity. 

I in turn sent a second letter demanding a timely investigation and resolution to this manner. Equifax has this denied me this right a second time by sending a response failing to provide results. The rationale was : " Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute ''. 

This is precisely what I provided them with in the first place on XX/XX/2020. We are now closing XX/XX/2020 and I still have not received a timely investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was promised an " INSTANT CREDIT SCORE BOOST '' AND NEVER EVER EVER RECIEVED ONE FROM " SELF '' ..I last used the card in XXXX of 2022 and each month i am charged a " purchase interest fee '' of anywhere from {$12.00} to {$17.00} IN ADDITION TO MY MONTHLY PAYMENTS. THIS company has my score at XXXX and is STILL TELLING ME " LETS FIX IT ''! Maybe if they fixed it AS ADVERTISED AND PROMISED I would have it fixed! This company has my score lower than ALL THREE CREDIT AGENCIES and their system rejects my AUTOMATIC payment ( LINKED TO MY BANK! ) when submitted THEN charges me A LATE FEE AND THE SAME PAYMENT THE NEXT DAY!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Jefferson Capital Systems , LLC, regarding their refusal to provide proper debt validation as required by law. I formally requested a copy of the original agreement bearing my signature to verify the legitimacy of the debt they are attempting to collect. Instead of providing this essential documentation, they responded by instructing me to take the matter up with the CFPB, Attorney General, and Better Business Bureau, while continuing to assert their right to collect.

Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), I have the right to receive full validation of the debt, including proof of my obligation to pay and their authority to collect. Their failure to provide such documentation and continued collection attempts without proper verification violate my consumer rights.

I request that the CFPB investigate this matter and compel Jefferson Capital Systems , LLC, to provide the following : A copy of the original signed agreement that allegedly obligates me to pay this debt.

A full itemized breakdown of the debt, including principal, interest, fees, and payments.

Proof that they have the legal right to collect this debt.

I seek immediate resolution, including cessation of any collection efforts until proper validation is provided. Their failure to comply should result in appropriate enforcement actions.

Resolution Requested : Provide full debt validation, including all requested documents.

Cease collection attempts until proper validation is completed.

Investigate Jefferson Capital Systems , LLC for potential violations of the FDCPA and consumer protection laws.
Product: Credit reporting or other personal consumer reports

Unaurorized Credit Inquiries Inquiry XXXX XXXX XXXX. DATE XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XXXX, XXXX INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXXXXXX XX/XX/XXXX INQUIRY : XXXX XXXX  XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even afterXX/XX/XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXXXX/XX/XXXX if these items are not investigated within XX/XX/XXXX days, they should be promptly removed from my credit report. Since it has been over XX/XX/XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXXXX/XX/XXXXXXXX data breach, which raises concerns about the security of my personal data.
Product: Prepaid card

On XX/XX/year>, at XXXX, I purchased a vanilla visa gift card from XXXX with the amount of XXXX XXXX using cash. After following the instructions listed on the package I attempted to use my new XXXX XXXX card to pay my auto insurance. It declined. I called the number on the card and it confirmed my balance but it told me no information. I then returned to XXXX and spoke to the manager, which resulted in me getting the phone number for XXXX ' gift card center, who then transferred me to an actual representative of Vanilla Visa. They told me my card was somehow compromised. They told me I would receive a replacement card, after they took my name, email, and address. I called again today on the XXXX XXXX XXXXXXXX and they told me that I had a replacement coming, but gave no info about tracking and said they will not send me a receipt. I have read similar cases and most people seem to lose their money.
Product: Debt collection

This complaint involves a creditor who is using deceptive practices involving the accrual and collection of interest on credit card debt not earned this year 2019 around XXXX. Synchrony Bank ( aka XXXX 's credit ) - I paid my bill early before the due date and in full. The creditor, however, charged me an interest amount of a little more than {$1.00} through my next billing cycle due date. Basically charging me interest on a zero balance. When I called to complain and request they remove the interest one of the automatic phone prompts was regarding interest due being disputed, which I selected. Immediately upon selecting this prompt, the computer told me my interest due was being waived and my account was now paid in full. My concern and complaint are that by having an auto phone prompt set up Synchrony Bank is knowingly aware of this false and deceptive practice. I believe Synchrony 's hope is the majority of consumers will not take the time to call over a {$1.00} or {$2.00} interest due amount and simply pay it because they are uninformed about what is truly happening. These small interest overcharges will amount to tens of thousands of dollars, or more in extra unearned profit to the bank even if only half of they affected consumers were to call. Please investigate and stop this false debt collection practice. I am sure Synchrony Bank isn't the only credit card company doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for their continued failure to delete a fraudulent account from my consumer report ( credit report ). This account has been reported by Experian for over a year, despite my repeated requests to have it removed. The account in question is from XXXX XXXX XXXX, with the account number XXXX XXXXXXXX stated amount {$1000.00}. 

I have already submitted a FTC Identity Theft Report, which clearly documents that this account is fraudulent and should be deleted from my consumer report. However, Experian has refused to take any action and has continued to report this account, which has damaged my credit score and made it difficult for me to obtain credit or loans. 

Experian 's failure to delete this fraudulent account is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite having knowledge of the fraudulent nature of this account, Experian has not done any due diligence to investigate the information they have reported, which is a further violation of the FCRA. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to hold Experian accountable for their actions and ensure that they comply with the FCRA. I am also requesting that Experian take immediate steps to remove the fraudulent account from my consumer report and provide me with a corrected copy of my report. 

In addition, I request that Experian block any further attempts by the fraudulent party to create or use accounts in my name. This is necessary to protect my identity and prevent any further damage to my credit score. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

A doctor used undercoding in order to charge me for services I didnt even need. This is unethical. The debt went into collections. I got a letter from Professional Choice Recovery Inc XXXX XXXX XXXX XXXX XXXX XXXX I sent {$40.00} to the billing part of the physicians office already. There was never any need for any of this treatment since the debt was unethical anyway.