23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

So back in XXXX I did a debt consolidation. I never did anything like this before so I thought this was a legit company. The person I spoke with his name is XXXX XXXX he set up my account I have his email address which is. XXXX his cell number is ( XXXX ) XXXX. His work number is ( XXXX ) XXXX. Hes with debt advisors. He had set me up with the litigation practice group XXXX, The phone number I have for them is ( XXXX ) XXXX. So from my understanding, I was set up to consolidate my three credit cards that I had which are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and my XXXXXXXX XXXX XXXX So from my understanding everything seemed like it was going good. They were directly taking the amount that we set up out of my bank account. This was from XXXX all the way to XXXX, which I have my bank statements with the amounts that were taken out. I would get phone calls from the litigation practice group saying that theyre working on my credit. Theyre talking with the vendors and everything. Seems like its going good. I have numerous phone messages, text messages stating everything seems like its in process. Come to find out the litigation practice group filed bankruptcy so then I got messages from XXXX XXXX saying that they were handed my file so I would assume they already know everything thats been going on when I tried to explain it to them they didnt want to hear it. They were reaching out to me saying that theyre trying to collect a debt I owe. They did not know nothing about my XXXX accounts they were only contacting me and trying to get money out of me for the synchrony car care tire pros. So this is where I got totally confused thinking ok so things are paid off with XXXX. Im not sure whats going on with the tire pro. So this is where I looked into my XXXX account and I called the two chase accounts. It said theyre charged off, so I thought ok they were paid come to find out theyre not paid. I still owe the debt as well the tire pro account. So now Im really wondering where did my money go that I paid and this money was getting taken directly out of my account from XXXX to XXXX. When I talked to the person, I reached out on my XXXX account for the two chase accounts and the tire pro account. They mentioned to me that nobody ever reached out to them on my behalf, to try to fix my debt with them so now this is where I think I was scammed. I got fraud upon for my money Because I still owe this debt now, so Im so confused on what to do. I got letters. I got papers saying that Im being sued for XXXX law group. I guess theyre affiliated with XXXX XXXX that they were trying to come after me sue me for money I/O, which Ive already paid the debt consolidation agency I thought. This is really affecting my credit score, and I keep receiving major derogatory remarks on my credit report when I thought I was actually fixing it consolidating it but somehow I was scammed or took in for my money because I dont know where that money went and my credit is just messed up now. This is stressing me out. Im losing sleep over this I dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accord with the Fair Credit Reporting Act, the list of accounts below are violating my federally protected consumer rights to privacy and confidentiality under Title 15 USC sect. 1681, et al. 

XXXX XXXXXXXX XXXX, acct. # XXXX XXXX XXXXXXXX XXXX acct. # XXXX XXXX XXXX, acct. # XXXX XXXX XXXX, acct. # XXXX XXXX XXXX XXXX acct. # XXXX XXXX XXXX, acct. # XXXX 15 U.S.C. 1681, section 602 ( A ) gives me the RIGHT TO PRIVACY.

15 U.S.C. 1681, section 604 ( A ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information- any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company began contacting me in XX/XX/2018. Around XX/XX/XXXX, I spoke with XXXX XXXX and was informed that they were attempting to collect $ 2500+ on behalf of the Registry at XXXX XXXX in XXXX TN. I immediately informed her that the balance was nearly {$1500.00} over what is owed to them and explained why. She cut me off repeatedly and asked for my email address saying she would have to send my information to her dispute department. In informed her that I had email communication between myself and the apartment complex and asked her where could I send my dispute but she refused to provide contact information. Approximately a week later I called back and informed her that I had not received an email. She then asked for my email address and mailing address but still did not provide dispute instructions. Over a month later I had not received anything. I called her on XX/XX/XXXX and she told me that they sent an email on XX/XX/XXXX that had likely gone to my junk mail, and that is where I found it. The balance was adjusted to {$1600.00}. Once again I asked how to disputed the balance but she refused that information. I asked for a supervisor and was transferred to a voicemail box. I left a message but was never called back. I called today and spoke with someone named XXXX (?? ) and expressed my concerns. She took some information down and said that she would go back to the apartment complex but once again failed to outline a dispute process. They are threatening to report the debt on my credit report and rental history on XX/XX/XXXX if I dont give them money. They have not sent any debt validation and continue to refuse to outline a dispute process. I feel as though my rights are being violated.They are asking me to pay them but saying that they are still going to report the unpaid disputed portion on my credit report. I will pay what I owe but they need to give me a fair and honest way to dispute the portion that I do not owe.
Product: Debt collection

XXXX threatened to charge mt father with identity theft and stealing my identity because he sent back a bill that had my name on it, as well as my father since I am the XXXX. I told them that I was the XXXX after they hit my credit without contact me and I had to contact them for there to be any answers or contact. Beyond that, the lady was extremely, threatening to have my father brought up on charges, calling me a liar and so on. This place is non- descript and they give you as little info as possible about who they are or what you " owe ''. XXXX said that they do not purchase debt, which I 'm almost certain is a lie and initially no one would even say where it was that I was calling, all the while asking me for personal information. In addition, I called several times and they could n't find me in the system because I am XXXX and they had XXXX ( my father ) and XXXX ( not me ) in the system. They 've now hit my credit due to their poor operation and I had no idea until I checked my credit reports and found out. From there on out XXXX has been rude and not at all trying to help me make that payment but instead chiding me, lying to me, providing a little info as possible, and asking for all my personal info.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act which is a Federal Law that governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Accuracy and fairness of credit reporting. ( 15 USC 1681 ( a ) 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Permissible purposes of consumer reports. 15 U.S.C 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

This Credit Reporting Agency is under Federal Violation for using my Copyrighted information, therefore this credit reporting agency should remove all unwarranted information off my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ALL HARD INQUIRES The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mercedes is overcharging and saying Im late when IM NOT. Ive overpaid and multiple payments throughout the years. I have 100 % payment hstory with ALL creditors. Mercedes is illegally charging random fees now its toward the end of the lease and I want this removed ASAP. This is incorrect. Illegal. and violates Section 15 U.S. Code 1666b - Timing of payments and violations of ( b ) Billing error 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. 
Requesting for Mercedes Late Payment and Account Removal. Requesting Mercedes to waive all extra fees that incurred for being late as Im not sure what these are and never disclosed to me.
Product: Debt or credit management

Unauthorized Withdrawals for Charged-Off Debt Dear Navy Federal Credit Union , I am writing to formally file a **complaint regarding unauthorized withdrawals from my account** to pay a **charged-off debt** that was already in the process of being settled. These transactions were conducted **without my consent** and may have violated my consumer rights under federal and state laws.

# # # **Details of the Unauthorized Transactions : ** - **Date of Unauthorized Withdrawals : ** XX/XX/year> - **Amounts Withdrawn Without Permission : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The debt in question had **already been charged off**, and I was actively making settlement payment arrangements. Despite this, Navy Federal **unilaterally withdrew funds from my account without my authorization**, causing severe financial hardship.

# # # **Violation of Consumer Rights & Potential Legal Action : ** By withdrawing these funds without my explicit consent, **Navy Federal may have violated my rights under the following consumer protection laws : ** - **Electronic Fund Transfer Act ( EFTA ) ** Prohibits unauthorized withdrawals from consumer accounts.

- **Fair Debt Collection Practices Act ( FDCPA ) ** Prohibits unfair, deceptive, or abusive debt collection practices.

- **State and Federal Banking Regulations** Unauthorized deductions for previously charged-off debts may constitute an unlawful practice.

Given these violations, I am **considering legal action** against Navy Federal for unauthorized transactions and potential consumer rights violations.

If I do not receive a **timely and satisfactory response**, I will escalate my complaint to the **Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the XXXX XXXX XXXX ( XXXX  ), and pursue potential legal action
against Navy Federal for violating my rights. ** I expect a written response within **10 business days** addressing this matter. Please contact me at XXXX or XXXX to resolve this issue immediately. 

Sincerely, XXXX XXXX XXXX **Navy Federal Member Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent several letters to Midland requesting validation of the debt. I have come to the point where I feel they are ignoring my request. I requested proof of the debt from the credit bureaus, they sent me a bill. Midland sends me a lette that they are unsure of what I am disputing. The credit agencies claimed it was verified so here i am taking it a step further by placing this complaint. After doing my research on the company, I see that they have a consumer first policy but obviously they have put me last. I have recently lost my job and to receive a bill from Midland stating I owe a debt thats not mine is ridiculous.
Product: Student loan

I recently reviewed the last XXXX years of my statements and I have been charged late fees each month when payments were setup and being made monthly.
Product: Credit card

On Monday, XX/XX/year>, I received XXXX letters from Synchrony Bank, each notifying me that they had closed one of my credit card accounts. Some of these accounts I've held for several years. The letters were identical and stated : " After a review of your account, Synchrony Bank has decided to close your account due to activity indicative of a high risk of failure to pay. '' The reasoning on the closure of my accounts just doesnt make any sense. I currently have active usage across them, including two accounts with promotional balances : one for furniture on a 5-year no-interest plan and another for a refrigerator. 

Im not sure how they deem me at High Risk Of Failure To Pay. My credit score is in the high XXXX, I make my payments, and these accounts have been open for quite some time. 

I called yesterday seeking a clearer explanation for the closure of my accounts, but unfortunately, the representative was unable to assist. I was told that my feedback would be noted, but as it stands, the accounts remain closed. 

I'm deeply concerned about the impact this will have on my credit score, which I've worked diligently to build. Given my strong credit history and loyalty, I don't believe there is a valid reason for this decision.
Product: Payday loan, title loan, or personal loan

I have been trying to log in to make payments on the account with Acima Credit in which I have been unable to do so or the last 45 days. I knew today was the final day paying off the loan with no interest added. However I was unable to log in so I paid over the phone in which I was provided no receipt of transaction for my payments. Nor have I been receiving receipts of online transactions since I have been locked out of my account. I call waiting for a Supervisor twice in which both times I was hung up on. All I need is documentation of my transaction even if they do not want to give me access to the account online. 

Acima Credit https : //www.acima.com/XXXX XXXX
Product: Credit reporting

I 've tried to dispute this information with the credit bureau as well as the company and was provided the same resolution which was nothing. There are XXXX medical bills on my account from SYNDICATED OFFICE SYSTEMS. XXXX of the accounts is not even mine its under my daughters name which had XXXX and it was covered. The second account is also a medical bill that was paid in full by the insurance company and they still sent it to collections. After numerous attempts to the company they refuse to delete the collection as it clearly shows paid in full with no balance. This is beyond frustrating as it is affecting my credit score and report which is hindering me from receiving future credit.
Product: Credit card or prepaid card

REGIONS BANK!!! On XX/XX/XXXX I got fraud alerts that someone in XXXX Florida was using my card. I am located in XXXX Missouri. The bank called and we took care of my account and started to dispute the XXXX transactions on my account. There were XXXX for XXXX, XXXX for XXXX and XXXX for XXXX all in a row at a XXXX XXXX in Florida. I told them those were not me but the money already came out of my account. {$370.00} is all the money they took from my account. I disputed and they denied becaise my card was present and pin was used and then stated it could have been contactless pay. They have refused to give me my money back when clearly I didnt make those transactions when I was in XXXX Mo XXXX I have the card in my possession, Ive never given my information out to anyone ever, and I can prove I was in XXXX Mo at the time they tried. I want my money back. I have gotten my claim denied twice and told to make a police report which Im doing tonight, its one thing after another. I didnt authorize those transactions and they are refusing to give my money back. No one should of had my information at all! 
Attached is all the transactions at the XXXX XXXX in Florida and the store.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX FIN AM Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

It happened a second time in a row ... just filed another complaint yesterday. Today 's case makes a total of FOUR instances in as many months. The sum of {$1100.00} was deducted from my US account on XXXX XXXX. On XXXX XXXX I received the below notice that transfer was in progress. Today I noticed the entire transaction completely disappeared from my MoneyGram account. I initiated chat to complain and was told my receiving bank, XXXX XXXX, rejected both this transaction and the one I complained about yesterday. I then called XXXX XXXX and was told no such transaction was rejected, and each MoneyGram transfer I have made since XX/XX/XXXX occurred without incident until now. One of the most concerning things is that these transactions completely disappeared from view until I complained. After complaining, a screen refresh returned both to my view. Just how long were these funds going to stay in cyber balance until I was contacted? In both cases, the transactions were not marked " cancelled '' and confirmation emails sent until I insisted on having cancellation reference numbers. /// XXXX XXXX confirmation message follows : Transaction Receipt : Your money transfer has been sent successfully and will be deposited to your receiver 's account or wallet as designated. 
MONEYGRAM PAYMENT SYSTEMS, INC.

XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXX XXXX CDT Sender Information Name : XXXX XXXX Phone : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, US-VA XXXX , United States Receiver Information Name : XXXX XXXX Expected Destination : XXXX XXXX Receive Option : Account Deposit Receiver Account # : XXXX Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May be available sooner ) Transfer Amount : XXXX USD Transfer Fees : XXXX USD   Transfer Taxes : XXXX USD  Total Cost : XXXX USD  Debit From Bank : XXXX XXXX Exchange Rate : XXXX USD  = XXXX XXXX   Receive Amount : XXXX GBP  Other Fees : XXXX GBP Other Taxes : XXXX GBP Total Receive Amount : XXXX GBP
Product: Mortgage

XXXX and XXXX XXXX We have a home loan with RP Funding account XXXX we moved in in XX/XX/2017 there was the hurricane in XX/XX/2017 we had roof damage an other damage as well we hired a claim adjuster for the repairs because we had problem with the insurance company. We won the case and the insurance company sent us the check of with the the mortgage company name as well so XXXX took the check down to RP funding because we needed the roof fix as soon as possible because of the leaks we had, so they told him that he had to mail it to there home office. In which there procedure is they will keep 10 percent of the check until we finish the work an we are to mail the paperwork to them showing what was done an afterwards they will mail us the ten percent back. So XXXX been talking with a lady name XXXX at RP Funding XXXX ext XXXX an all she been doing is giving us the run around my husband has emailed her all the document and she keep telling him that she never received them he has sent them to her over an over he even ask her to send him something an she did he got an he sent the paperwork back to her she still say she didnt get it. Even the insurance adjuster tried to talk with her an she said they dont talk with them so XXXX ask her would she speak with out insurance company because they even came out and inspected the work after the county came out an XXXX said that they can hold the check until we finish paying the mortgage off, so my husband ask to speak to a supervisor an she came back on the phone an said that they need all the paperwork she wouldnt allow him to speak to anyone. What right do they have to keep the check we pay our mortgage on time we are not behind this is our place of resident we have repairs to finished an there holding XXXX XXXX dollar of money that rightfully our yes we understand they are the mortgage company an we are in good standing this is our second home an we never had this kind of problem with a mortgage company an we have had other repairs done an not one problem with the mortgage company RP Funding mortgage company is not living up to how they advertised themselves, we cant get pass XXXX she want let us talk with anyone else there can they hold that money for 30 years thats when the mortgage would be paid off we are both senior citizen so we probably want be around that time so can you please tell us what steps to take to resolved this matter thank you in advance XXXX an XXXX XXXX We can be reached at XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Florida XXXX