23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I was served a summons from Midland Credit Management regarding an alleged debt that they claim I owe. The summons included a mailing address to the companys attorney as shown in the attachment. On XX/XX/XXXX I initially mailed their attorney a cease and desist notice certified mail with green receipt # XXXX as shown in the attachment stating that they had 15 days to fulfill my demands. A consumer has the right to cease and desist pursuant 15 USC 1692c ( c ). According to this subsection, once the notice from the consumer is made by mail, notification shall be complete upon receipt. Ignoring my cease and desist is a violation of 15 USC 1692c ( c ) and this is evidence that the companys infringement has been willful. Not receiving a response from the company is a violation of my rights as a consumer to cease and desist. I followed up by sending another cease and desist notice to Midland Credit Management on XX/XX/XXXX by certified mail with green receipt # XXXX as shown in the attachment and it was received on XX/XX/XXXX. I am notifying you in writing through this CFPB complaint that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and as the original creditor I am demanding all of the following : XXXX out the balance on this account, stop all illegal negative reporting of this alleged debt to all consumer reporting agencies, and send an AUDIT TRAIL for this alleged debt that can include an ( entire file on me XXXX XXXX, all documentary evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records ) Audit Trail credit application ). 

This is my second cease and desist letter to Midland Credit Management. I am well aware of my rights and know that any further contact by this company, except a communication confirming acknowledgement of this letter, is in violation of the FDCPA. a response from your company you are violating my rights as a consumer to cease and desist. To ensure compliance with this letter and complaint, you are advised to send written reply stating, confirming and complying with the demands of this cease and desist as well as a response to this complaint complying with the demands of this cease and desist. Failure to do so will act as further evidence of your infringement up XXXX XXXX consumer and legal rights. I will immediately undertake legal actions in order to protect my rights.
Product: Credit reporting

I am in the process of trying to get a mortgage for a new home, I sent a letter out to Equifax like 45 days and I still have n't heard anything back from them! I really need to be moving, and it 's frustrating sitting around and waiting to hear from them. I addressed my main concerns in the letter I attached for you!
Product: Mortgage

You closed my case.Why? as a veteran, with proof of what Bank of America did to us. we were paid up, have proof of that, How can a Bank go into court with a fake deed, ( have proof of that ) pay of 4 Insurance companies from our account, and expected us to get the money back.have proof of that.lied to the court. Have them on tape saying that they messed up. we still lost our home. now we are being harassed by boa send us email stating that I was suppose to get our money, want to help us, even set up a fake wire transfer stating We were getting money owed to us.Why are you letting them get away with this? No man that have served his country should be treated this way. ( his Grandfather served in XXXX. ) it is a matter of justice.We will not go away. Why did you close our case?
Product: Vehicle loan or lease

I paid off my car in XX/XX/XXXX and received its title. I also requested a copy of the purchase order, which was emailed to me. After reviewing the printed contract, I sent Foursight Capital LLC a letter revoking the security interest, as well as all insurance, maintenance, service, or other contracts they finance for meincluding any proceeds from these contracts, such as refunds of premiums or charges. 

Foursight has failed to honor the amended contract by disregarding the changes I made. This failure constitutes a breach of contract and violates both the Uniform Commercial Code and the Truth in Lending Act of 1933 and 1934. Additionally, I have not received my security interest, its proceeds, or the necessary documentation to conduct business in good faith, further demonstrating a breach of trust that could be perceived as securities fraud. Moreover, sharing my personal information with any third party was not authorized on my behalf.
Product: Credit card or prepaid card

Ca pital One cl aims I owe a balance of around  XXXX  on account ending in  XXXX , now closed and charged off. The credit limit is or was  XXXX , roughly  XXXX  or more is highly questionable as it brings the balance well over limit. Most of the balance consists of late/over limit fees as well as some fraud charges. I 've attempted to make payment arrangements in the past, before account was charged off. However, the rep  ( s ) I chat ted with would not cooperate, a separate complaint was made in re which was not resolved. Most recently, I attempted to make payment arrangements/discuss a possible settlement amount, however, the dept I call likes to record calls in which case I will not be recorded. They claim the reason for recording calls is to assure quality/training purposes, which is a lie as the dept I call is recovery and they use the recording so to go after the customer in case payments are not met. I 've called the  executive offic e several times, I 've never been advised the call is recorded until I reach recovery dept, proving they only record in case the customer does not meet any agreed upon payment arrangements. Either way, I will not be recorded. A rep I spoke with on around  XXXX , before reaching recovery dept stated they do not accept settlements, which is a shame as again, there are late/over limit fees as well as fraud charges on the account. A settlement agreement would resolve any and all disputed charges such as previously mentioned. Please advis e Capital One tha t first off, I will not speak on any recorded line and second, they need to be willing to accept a settlement amount if they wish to see any payment at all. A letter was received from a  XXXX  in recovery earlier this week, legal action was mentioned such as sending account to an attorney here in Connecticut. Please also advise  Capital One that my private attorney has been notified of the matter as well as fraud charges on account, in case any legal action is taken on behalf of Capital One
Product: Checking or savings account

On X/X/17 we used XXXX which is a money transferring system offered by Wells Fargo. The amount of {$450.00} was sent to my sister in law that also has a Wells Fargo Account. The problem is that Wells Fargo sent it to a XXXX XXXX that according to them matched the email of the recipient. Because the transfer was done using the email they state that the account that was associated with that email was XXXX and not Wells Fargo. What makes things worst is that when she tried to retrieve the money she was told that she needed to open an account in order to collect her funds. At that point we called WF and were told that we had to contact XXXX. XXXX then said that WF made the mistake and that they are responsible to make the correction. After going back and forth with both banks on the phone we visited our local WF branch. After explaining the situation we were told that it is not a WF issue but a XXXX issue. After persisting with the branch manager they filed a claim to the " escalation team '' and that we should expect a call within 3 to 5 business days. On Wednesday we received a call from the rep that assisted us at the branch and relayed the information he received from the escalation team and that they are not sure if they can retrieve the money from XXXX and that the recipient should contact a XXXX branch " she already attempted that '' Once again we called Online customer care and after much explanation and over 1.5 hours being transferred we filed a complaint with the " resolutions team '' still nothing has been resolved. The funds are in limbo somewhere and WF states that it can take up to 10 business days for the investigation to be concluded. We feel this is abusive and un explainable on behalf of WF. We can not comprehend how they promote a service like XXXX but once a problem occurs they try to avoid responsibility for the mistake. After reading in the news the list of problems and complaints WF has been faced with lately, We wonder how they continue to get away with this kind of behavior. Please help ...
Product: Debt collection

I am being XXXX XXXX and forced to pay for a debt that I did not create. See attachment. Account # XXXX # 1 ) Name the lender XXXX XXXX XXXX received the transfer of the account from prior to XX/XX/XXXX? 
# 2 ) What was the amount of the transfer? Was it a credit purchase or acquisition?
# 3 ) XXXX XXXX XXXX in XX/XX/XXXX transferred the account to whom? Was the account paid for by credit or acquired as in the purchase of the debt? 
# 4 ) XXXX XXXX XXXX informs that they hired XXXX XXXX XXXX XXXX to service the loan and claims to have transferred the loan to a lender, please name the lender the  account was transferred to?
Product: Checking or savings account

I initiated a wire transfer of {$20000.00} on XX/XX/2024, from my Marcus account to my XXXX XXXX XXXX  account. The transfer was expected to be posted on the same day. 

On XX/XX/2024, I also initiated a wire transfer of {$30000.00} to my XXXX bank account. The transfer was expected to be posted on XX/XX/XXXX. 

However, after 3 business days, neither transfers are posted as of XX/XX/XXXX. I called Marcus and the representative told me the wire transfers had already been completed on their end and that I had to call the recipient bank. This is not true because the money is still in my account as shown in the current balance, and the wire transfers still show as " scheduled transactions. '' After I was transferred to the supervisor, the supervisor hung up the call after putting me on a long hold. 

Moreover, on XX/XX/XXXX, I initiated an ACH transfer from my Marcus account to my XXXX account, which was reversed on XX/XX/XXXX. 

I believe Marcus is deliberately making it difficult or impossible to transfer my money out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This happens EVERY TIME and I am sick of it! I carefully type in all my information and correctly answer their questions, but they refuse to give me my reports. 

XXXX  says they can not provide my report online, to send in a copy of my Social Security card and drivers license through the mail. 

Experian says " a condition exists '' that prevents them from being able to accept my request, and to contact them through the mail. 

XXXX NO I'm not doing that! YEAR AFTER YEAR AFTER YEAR I get these XXXX messages and I'm not tolerating it anymore! I am NOT going to risk my personal information getting lost or misdirected in the mail. This is XXXX, not XXXX! Given the EXACT SAME information, XXXX  gave me my report online just fine. If they can do it, so can the other two!
Product: Debt collection

I am receiving letters from a company that represents XXXX. They are claiming that I owe them {$180.00}. I do not. Upon cancelation of my service from XXXX I asked the representative if I was clear of my obligation to them and they assured me that I was. I am receiving messages threatening my credit rating and I don't owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans tha t   XXXX   XXXX    is reporting on  my credit report. If  XXXX   XXXX  can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to  XXXX   XXXX  in regards to this issue but have yet to receive a response.  <P/><P/>  XXXX   XXXX     XXXX   XXXX   XXXX     XXXX  , PA   XXXX   This  letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.  <P/> Under the Fair Credit Reporting A ct, 15 U.S.C. 1681g I have  the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required unde  r Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be   promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.  <P/> I demand the following account be properly verified or removed immediately.  <P/> NameofAccount : Date Reported : ProvidePhysicalProofofVerification :  XXXX   XXXX  {$46000.00}    XXXX   XXXX   XXXX   Unv erified Account
Product: Debt collection

XX/XX/2017 {$320.00} balance Tried calling the company to close the account via XXXX  calls due to my XXXX. I kept getting hung up on when requesting for account closure.
Product: Mortgage

Freedom Mortgage took {$24000.00} from Louisiana HAF as well as gave me a loan modification even though I asked them not to file the loan modification. Louisiana HAF money came first. They never returned the money to Louisiana. Also, they did not reflect my loan modification on any documents. My payment went back the same. 

When selling my house I was made aware of the loan modification had gone through. I called freedom mortgage. It has been a month, and none of the investigation have been taken care of. I have now had to pay close to {$40000.00} to get out of my home.
Product: Credit card

On XXXX I went into my branch of US Bank with XXXX checks from the title co to pay of the outstanding balance on my US Bank credit card of {$19000.00} and my US Bank auto loan of {$7800.00}. 
The teller deposited both checks into my credit card account, resulting in an overage on my credit card of - {$7700.00}. 
On XXXX/XXXX/2015 after numerous phone calls to card member services, getting placed on hold in excess of XXXX minutes whilst waiting to talk to a supervisor, this issue remained unresolved. I electronically transferred this amount ( {$7700.00} ) to my checking account. This resulted in my Credit card having a zero balance. 
I transferred {$7800.00} from my checking account to my auto loan thereby paying it off. 
Later that same day the bank reversed the deposit of {$7800.00} on XXXX/XXXX/2015 to my credit card, resulting in a debit of {$7800.00} to my credit card. 
I have called card member services at least a dozen times nobody can tell me where they reversed that money to, or where that money is Requests for supervisor call backs have not been honored. This is missapropriation of a large amount of money {$7800.00} and i respectfully request that you aggressively pursue this issue until it is resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted request to validate accounts and nothing was received in the 30 days time frame nor was I contacted that it would take longer. This includes XXXX, Experian and XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian, I hope this letter finds you well. I am writing to formally request the opt-out of any and all reporting of XXXX XXXX on my credit report, as allowed under 15 USC 6508 . Remove Immediately. My name is XXXX XXXX, and my account details are as follows : Account Holder : XXXX XXXX Account Number : XXXX I understand that, according to the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 USC 6508, consumers have the right to opt-out of the inclusion of their credit information in the reports provided to credit reporting agencies. 

Please be advised that I am choosing to exercise my rights under 15 USC 6508 and am formally requesting that XXXX XXXX cease reporting any information related to my account to Experian. 

I kindly request that you confirm in writing that my request has been processed within the time frame specified by law. Please send any confirmation or relevant documentation to my address mentioned above. 

I appreciate your prompt attention to this matter and your cooperation in ensuring the accurate and timely processing of my opt-out request. If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter. 

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

I have disputed a XXXX XXXX reporting error on my ChexSystems report several times. I have sent several certified letters over the past few years and ChexSystems continues to ignore, disregard, and violate my rights. My latest dispute was sent on XX/XX/2024. Unfortunately, ChexSystems responded yet again stating that it was verified without providing any of the documentation that I requested on several occasions in accordance to the Federal Trade Commission 15 USC 41 guidelines. Their failure to provide the requested verifying contracts is in direct violation of my rights.

I am understandably very frustrated that this has happened and can not believe that XXXX XXXX and ChexSystems would let something like this go unresolved for so long. I have spent hours diligently reviewing my report and outlining inaccuracies. I have also spent a lot of money getting my disputes notarized and certified. I have impeccable record keeping and I have been very gracious in giving ChexSystems ample time to remedy the error in question. This delay has put me at a disadvantage and has cost me valuable opportunities that require bank accounts in good standing to qualify.

I am now asking the CFPB to intervene and help me rectify this situation. It is unacceptable that ChexSystems and XXXX XXXX has not resolved this issue. It is well within my right to request that the items in question be deleted and removed from my ChexSystems profile. With your help, I hope to see the items in question deleted in a timely manner. 

Thank you for your attention to this matter and I look forward to hearing from you soon.
Product: Mortgage

Well Fargo is our mortgage company and despite our mortgage paymentpaying escrow dollars from our mortgage for insurance, {$710.00} of our escrow dollars where not used for our insurance and in fact the amount was dispersed according to Wells Fargo to taxes and that proved wrong. The Tax Office does not have any payments of {$680.00} and {$27.00} accredited anywhere. Our insurance info was phoned in by our insurance company and ignored, declaration pages for insurance were returned to our insurance agency because the documents went to the wrong XXXX and instead of forwarding to the correct XXXX based on the account number the mortgage server cancelled our insurance. All methods of processing our insurance were ignored or mishandled. I had been with our insurance company for many years and had a preferred rate. As a result of this XXXX our insurance costs have increased. We did secure our own Homeowners Insurance Policy yet due to XXXX the rate was much higher than previous policy. XXXX XXXX XXXX XXXX Forced Placed Insurance charged our mortgage two months in a row for a total of {$4100.00} {$2100.00} on XXXX/XXXX/2013 and {$1900.00} XXXX/XXXX/2013. Both charges were from XXXX XXXX XXXX XXXX. I have a letter from Wells Fargo that indicates the following : The insurance coverage that we ordered on your behalf has been cancelled. 
However, the amount of {$610.00} was returned as HAZ INS REF. The correct amount is {$4100.00} plus {$710.00} for a total of {$4800.00} that was taken from us. 
This increased our mortgage payment XXXX per month which is a hardship. We are on a fixed income with several health issues between us. We are underwater in this house. 
Property values have decreased and taxes remain stable. 
With that I ask for help because insurance should n't cost {$4800.00} PLUS {$1000.00} equalfor a total of {$5800.00} for any household.
Product: Consumer Loan

We received a final lease assessment from US Bank for " excess wear and tear '' on the vehicle. I originally called the company on XX/XX/XXXX to appeal the assessment, as it was my view that the wear and tear met the definition " normal '' under the US Bank agreement. Several times I was hung up on. I was redirected to the voicemail of a supervisor who never return my calls. When I followed up with their end of lease department and asked to review the assessment with the supervisor, he agreed that of the original approximately {$800.00} in " excess wear '' charges, all but {$150.00} were unsupported to the photographic evidence and waived them. We continues to insist that the {$150.00} charge for scratches on the front bumper constitute excess wear, his contention being that the scratches referenced are greater than 4 '' in length. Unfortunately for US Bank, that is not the " excess wear '' policy we agree to when we signed our lease, and in fact, even their own end of term brochure describes excess wear as scratches that BREAK THE PAINT which are longer than 4 '' in length. The referenced scratches are surface scratches in the clearcoat that are easily buffed out ( which the US Bank guidance identifies as " normal wear ''. ) I am less concerned about my own situation than I am about what appears to be a systemic practice by US Bank to overcharge lease termination fees inconsistent with agreed legal contracts between the parties. As an informed consumer, I fully intend to have all inappropriate fees waived. I am concerned, though, that if I were not an informed consumer the bank would have taken advantage of my lack of knowledge to overcharge me nearly {$1000.00} in unsubstantiated lease termination fees which are inconsistent with the definitions of use agreed by BOTH parties at the commencement of the lease.
Product: Credit reporting or other personal consumer reports

I have contacted you in XXXX previous letters asking for investigation and reinvestigation into the accounts listed. Both times they have been verified and updated with no supporting evidence to show why after I requested it. I have attached the letters. This account was labeled as a repossession in XXXX of XXXX. Since then the account has repeatedly been updated as " repossession '' every month. This is an update in payment history. A repossession can not occur every single month and show active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my consumer rights. I am demanding a deletion of the following account to remedy this violation of my rights : ACCOUNT : XXXX # XXXX