23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received a call from a XXXX area number that said he was from Huntington National Bank and that I needed to go into my nearest branch. So I phoned the customer service number because I am in XXXX  due to the XXXX  XXXX. The phone banker said my account was locked out but did not say why. 
After telling her my story that I have been advised to stay XXXX  due to the XXXX  XXXX XXXX she came back on the phone and said she was " Wrong '' that my account was not locked out, the phone call was just to tell me the XXXX XXXX XXXX branch would be closing. 
I come to find out later while I am doing my taxes that indeed, my account is frozen. 
I have tried calling several times, and just keep getting the same story that I need to go to the bank, even though I would be putting my life in jeopardy.
Product: Debt collection

contacted debt collection agency letting them know debt was a result of identity theft by former spouse who has since deceased. debt is not mine, was not made by me, nor did i have knowledge of said account.
Product: Mortgage

MORTGAGE SERVICING PROBLEM : My extra principal payments were applied incorrectly toward future monthly payments resulting to more interest earned by the Wells Fargo Home Mortgage. This issue started in XX/XX/XXXX of which I already contacted the servicer XX/XX/XXXX and some corrections were made. However, in XX/XX/XXXX - I noticed that the issue reappear and I again contacted them and they did reversal of misposted principal payments resulting to about XXXX reduction of principal balance. A XXXX was sent to me for XX/XX/XXXX tax filing. However, the account activity was not received until XX/XX/XXXX and upon review of the XXXX pages mainframe screens, there were still few transactions in error. On XX/XX/XXXX I contacted them again and they open a new case for the same unresolved postings. After further review, they corrected the payments again which resulted in a new XXXX. The amount of the interest received in the new XXXX dated XX/XX/XXXX is different from the XXXX issued prior on XX/XX/XXXX that was filed already with tax return. Hence, I am obliged to amend my tax and will be charged by my accountant. The servicer is refusing the assume the fee of my accountant. I feel that due to their errors, they should be responsible for reimbursing accountant fees. Not to mention the many hours I spent auditing the payments - reviewing my payments, statements and all the reversals/posting of transactions. To date there were the previous requests of misposting date of payment XX/XX/XXXX and XXXX/XXXX/XXXX @ {$310.00} and XX/XX/XXXX - {$320.00}. There is also a principal payment on XX/XX/XXXX for $ XXXX and XXXX and XX/XX/XXXX for XXXX that were reversed but appears to have only been applied as {$11000.00}. On XX/XX/XXXX the Principal unpaid balance was XXXX ; on XX/XX/XXXX - it was XXXX. After one more extra principal of {$500.00} and interest payment - the balance in XX/XX/XXXX is {$28000.00} amounting to only {$280.00} being applied. The website customer service application is not able to provide how my money is posted online in amortization table. NOTE : Their system was posting payments correctly prior to XX/XX/XXXX. Anyone who are making extra principal payments to this servicer should review their account activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated under complaint # XXXX that you verified that these items are being reported correctly. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

Blacks Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 

Please also provide and updated credit report.
Product: Debt collection

Southwest Credit Systems keeps calling me with numerous XXXX-area code phone numbers ( my phone number also starts with XXXX-area code ), every day, multiple times a day, for weeks on end now. ( Today is XXXX/XXXX/2017. ) Each time, it 's a new number, so blocking the phone number of the day provides little-to-no reprieve.
When I 've asked why they are calling, they say " personal business, '' and refuse to give me more details until I have verified all my personal information for them.
Every time I refuse to verify my information, because I have no written notice of debt from any business entity as of present. Upon review of my bills, as well as my XXXX credit report, I have no outstanding debts. As such, Southwest Credit Systems has no reason to be calling me. I called one of the XXXX numbers back today and asked them to stop calling me, and they refused. An exceptionally rude customer service member said, " you 'll have business with us at some point. '' Since the conversation crossed the threshold of reason, I hung up.
Submitting a complaint here seems like the next logical step. Please let me know if I can help with additional information.
Product: Credit card or prepaid card

Someone opened a Capital One credit card in my name sometime last year, the limit was {$500.00} and they have exceeded the limit and now is {$670.00}. I froze my credit and filled out a fraud affidavit for the federal trade commission.
Product: Debt collection

XX/XX/2022 Talked to 3 different associates of this company they had my name wrong address wrong as well as email and phone number wrong they asked if i ever had XXXX XXXX XXXX XXXX I explained I didnt I asked for a validation letter and proof that they own or they have been assigned this debt waiting on email as well as follow up letter the amount owed was in the amount of {$3500.00}
Product: Vehicle loan or lease

In XXXXXXXX XXXX XXXX, the car was purchased by my XXXX XXXX XXXX and I was the cosigner. The payoff on the car she traded in was not made for an excessive amount of time- I found the dealer sold the business and never completed her transaction- I could get no response so I contacted Nissan XXXX XXXX  and they could not help- finally I located the new Dealership VP and he had us sign new papers but the terms were not the same. 
NOW Nissan XXXX didnt provide my Granddaughter with her her bill so she assumed the payment was in XXXX I was checking the account and immediately made her XXXX payment. In XXXX I paid XXXX and XXXX in time to avoid the late fee- however the payment was misposted as 1 payment with a additional principal reduction instead of 2 payments. I called Nissan and was told they would reverse it and post it as two payments but again they only posted it as 1 payment with extra to the principal so I again called, same response. ( I also used the online Chat portal many times ) I called again and asked for a manager/supervisor and was hung up on. Ive called repeatedly to have a Supervisor/Manager to reach out to me but no action has been taken on their part. Now I have made new payments to try to avoid negative credit report posts but they have posted us delinquent. I am dismayed that no upper management can handle and review this loan. Please help! 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

Equifax has been reporting information on my consumer report which is a violation of the FCRA regulations. My information has been reported in the data breach and Equifax has provided a letter confirming this information. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

The FCRA ensures accuracy, fairness, and privacy in the practices of consumer reporting agencies. Key provisions include : Permissible Purposes : Consumer reporting agencies can only furnish consumer reports under specific circumstances, such as with the consumer 's consent or for legitimate business needs. 

Identity Theft : Consumers can place fraud alerts and security freezes on their credit reports to prevent unauthorized access or new credit accounts after a data breach. REMOVE ALL ACCOUNTS FROM XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, REMOVE ALL LATE PAYMENTS, REMOVE ALL INQUIRIES, REMOVE ALL OF THE FOLLOWING ACCOUNTS WITHIN THE NEXT XXXX DAYS!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Subject : Formal Dispute Illegal and Inaccurate ChexSystems Reporting by XXXX XXXX  Dear XXXX XXXX  and Chexsystems, I am submitting this formal dispute against XXXX XXXX  XXXX regarding the unlawful reporting of a business account on my personal ChexSystems report. Under 15 U.S.C. 1681a ( d ) ( 1 ), this information should not appear on my personal file. 

Disputed Account Details : Bank Name : XXXX XXXX  XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Reported For : Account Abuse Date of Closure : XX/XX/year> XXXX/Account Number : XXXX / XXXX Original Charge-Off Amount : {$110.00} Closure Status : Unpaid ( As of XX/XX/year> ) Violations of Federal Law : Illegal Business Account Reporting Per 15 U.S.C. 1681a ( d ) ( 1 ), business accounts should never appear on a personal consumer report.

Failure to Validate the Debt Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), furnishers must provide verifiable proof of the debt upon dispute, which XXXXXXXX XXXXXXXX  has failed to do.

Furnishing Inaccurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of inaccurate or unverifiable information.

Failure to Conduct a Proper Investigation 15 U.S.C. 1681s-2 ( b ) requires furnishers to investigate disputes before verifying data as accurate.

Requested Resolution : Immediate removal of this illegally reported business account from my personal ChexSystems report. 
Written confirmation of its deletion. 
An investigation into XXXX XXXX  unlawful reporting practices. 

Noncompliance XXXX result in legal action. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent multiple letters, to the credit reporting agency and have not received. Proof of their investigation and proof that the lender was authorized to make the inquiry, or delete the inquires disputed. The inquiries disputed are. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my tax return from the State of South Carolina. I owed the Hospital money and my Refund was used to pay off my bills with the XXXX University Of XXXX XXXX. The total amount of {$2200.00} went to XXXX. so my accounts are paid. I tried calling AArgon Collection Agency and XXXX to try to fix this. AArgon needs to remove my debt. 


Thank You XXXX XXXX
Product: Credit card

Ive consistently ensured timely payments for this account, never letting them become overdue. I'm unsure why there are reports of late payments on my accounts. Based on 15 USC 1666b, billing errors should be corrected.
Product: Vehicle loan or lease

On XX/XX/XXXX I took out a {$1000.00} loan with Loan Mart. The referral was given by the check cashing place around the corner from my home. I have tried to no avail to work with these people I have paid them over {$2500.00}. They keep trying to get me to take out another loan to cover payments and have charged me {$500.00} in loan fees. The term is supposed to be completed XXXX of this year XXXX, but with the late fees being charged and calculated daily for interest Ill never get my title back. Is this legal? come XXXX I will have paid more than {$3000.00} for a {$1000.00} loan. 
Plus approximately {$800.00} in late fees
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau 1700 G Street NW XXXX XXXX XXXX XXXX  RE : Formal Complaint Against Midland Credit Management , Inc . 

To Whom It May Concern, I am filing this formal complaint against Midland Credit Management , Inc. ( MCM ) for their repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The following items have been erroneously reported on my credit report by MCM, despite their failure to comply with federal laws governing debt collection and credit reporting : {$1300.00} {$1100.00} {$580.00} {$500.00} Violations of the FDCPA and FCRA Failure to Validate the Debt Under the FDCPA, 15 U.S.C. 1692g, debt collectors are required to provide proper validation of debts upon request. Midland Credit Management has failed to provide sufficient documentation verifying these accounts, yet they continue to report them to credit bureaus, violating my consumer rights.

Reporting Inaccurate Information The FCRA, 15 U.S.C. 1681e ( b ), mandates that all information furnished to credit bureaus must be accurate and complete. Given the lack of validated documentation, MCM has violated this provision by reporting unverified accounts, which undermines the integrity of my credit report.

Failure to Provide Notice of Dispute Under FCRA, 15 U.S.C. 1681s-2 ( a ) ( 3 ), furnishers are required to notify credit bureaus when a debt is disputed. MCM has failed to do so, further damaging my creditworthiness and violating federal law.

Supporting Case Law Several legal precedents demonstrate MCMs history of noncompliance with consumer protection laws, including : Midland Funding, LLC
v. Johnson, 137 S. Ct. 1407 ( 2017 ) : Highlighted the importance of proper documentation in debt collection practices.

Brown v. Midland Credit Management , Inc. : Reinforced that inaccurate or unverifiable information can not be reported on a consumers credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Established that misleading or incomplete information on debt collection is actionable under the FDCPA. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : Clarified the responsibilities of debt collectors and emphasized accurate reporting requirements. 

Parker v. Midland Credit Management , Inc., XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) : Found that Midland engaged in unlawful collection practices, leading to a judgment against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Highlighted violations of consumer protection laws through the filing of time-barred debts in court. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Affirmed that debt collectors are subject to FDCPA requirements when attempting to collect a debt. 




Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got a loan from speedy cash for a {$150.00} dollars, but wasn't able to pay it back. So they took money from XXXX XXXX XXXX card without my approval. So I call speedy cash and told them I didn't give permission to take my money. I only get {$770.00} per month. And I wasn't able to pay my rent. I call XXXX XXXX about 20 time and never talk to no one.
Product: Mortgage

In a letter datedXX/XX/2020 and received by me on XX/XX/2020 : PHH Mortgage informed me they had received notice from " our tax service '', that property taxes were past due on my property  at XXXX XXXX XXXX, XXXX, TX XXXX. The letter had no postmark or any way to verify when they mailed it.

Since I pay my taxes myself, I know they have been paid. So I immediately requested a copy of whatever communication they had that indicated the taxes were overdue.

I immediately got a thorough run-a-round. First they had the letter, they when I wanted a copy, they thought maybe they saw it on a web site. When I asked what web site, no one could tell me. When I asked how they verified the taxes were past due, no one had an answer. PHH Morgage has been trying for years to get me to set up an
escrow account, which I have refused. Since I pay the taxes myself on a timely basis, PHH Mortgage has no need for an escrow account! Unless PHH Mortgage makes money using the escrow money before it is needed, why are they so adamant about having an escrow account? 
I am XXXX and consider this constant harassment a threat to my health. Maybe you can do something about it? Thanks for all your help.
Product: Mortgage

I got behind 90 days because the website ( specialized loan servicing ) won't allow you to pay just 1 month if you are behind. They force you to pay the full amount so you stay behind. My other Mortgage company ( XXXX XXXX XXXX ) lets you pay any amount you want and pay  extra to the principal if you want. I called XX/XX/2019 to pay the 90 days and they would only allow me to pay 2 months worth so I'm now 60 days behind because a new bill came out. I tried to pay 1 month on their website on XXXX XXXX 2019 but it won't allow me to do so. I would just pay the 2 months to catch up but I only have 1 months worth I can pay this month ( which would bring me current ) but I'm not allowed to on the website since 1 owe 2 months. They make it hard to pay if you get behind and I don't think that's fair. It just keeps you behind. I don't know what kind of rules there are for this case but hopefully there is something. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing an updated copy of my Credit Report, I immediately noticed that the Credit Bureaus hever took action and ignored my letters requesting the removal of the disputed items. I believed that this issue had been resolved because of the written letters I had sent to the credit bureaus. My last letter to the credit bureaus, which I sent in the hopes that they would act and take notice of my Disputes, was sent on XX/XX/2022. I am disappointed and frustrated to see that no changes were made to correct the erroneous reporting of the Disputed items on my Credit File. The Fair Credit Reporting Act section 605b requires the credit bureaus to remove items that the consumer believes were acquired as a result of identity theft, and by disregarding my appeals, the credit bureaus have violated this provision. I've informed the FTC about the identity theft, and I've been included the Identity Theft Report I obtained in my correspondence with the credit bureaus. I'm submitting this complaint to ask the Credit Bureaus to look into it again and properly confirm the accuracy of the information being reported on my credit file this time. The credit reporting companies have let me down in the past, and if they continue to refuse to remedy their blatant disregard for the FCRA regulation, I will be left with no alternative but to file a lawsuit. I need the following things removed right away. I need the following items deleted immediately : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX C XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$130.00} XXXX XXXX Balance Owed : {$980.00} XXXX  XXXX XXXX XXXX Balance Owed : {$51.00} XXXX XXXX XXXX  XXXX Balance Owed : {$70.00} XXXX XXXX Balance Owed : {$170.00}
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX