23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022 I went to XXXX and purchased 3 google play gift cards for {$50.00} each. I was only able to redeem 1. The other 2 when I put the redeem code, a message says more information needed. Which I filled out. I tried contacting Google several times to fix this and they simply just will not respond. I don't understand why they won't redeem the 2 cards that I purchased that I physically have and I have the receipt. So I don't understand why google gets to keep the money and not redeem the cards
Product: Debt collection

I am receiving telephone calls of harassment, annoyance, obscene and profane language and threats of harm, violence and death from LVNV Funding/ResurgenXXXX XXXX XXXX XXXX XXXX in regards to a fraudulent XXXX XXXX personal loan account ending in XXXX for {$5600.00} that is the result of identity theft. The XXXX XXXX Personal loan account is a fraudulent account and is the result of identity theft. Resurgent Capital Services has violated and is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Payday loan, title loan, or personal loan

I started receiving emails from this company in XXXX telling me I owed money on a payday loan. I requested that they send me proof of this loan and the paperwork that they sent me does n't have my name spelled right or a signature on it. I do n't recall applying for a loan with this company or receiving any funds and am wondering why it took about 4 years before they tried to get a hold of me. I did pay a company back in XXXX for a payday loan, but it had a copy of a signed form so I assumed it was legal -- but now I 'm wondering. They 've not given me any payment information. They say they will do that after I say that I will make a payment of {$300.00}. I ca n't keep paying these jerks for things that are n't mine and again why wait so long to get in touch with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXXXXXX XXXX XXXX, 60 days in XX/XX/XXXXXXXX XXXX XXXX  90 days in XX/XX/XXXX, XXXX XXXX, 120 days in XX/XX/XXXX, and XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I was overcharged with extreme interest fees and unknown charges
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 i received a notice from XXXX XXXX that a hard inquiry had been made on my credit history. The inquiry was listed as XXXX/XXXX date XX/XX/18.. Supposedly from XXXX XXXX using Transunion credit service. XXXX said to contact XXXX, they said to contact Transunion. Transunion gave me a phone number that didn't do anything. XXXX said not there problem, call Transunion, etc., etc.. they say i need a letter of removal but no one wants to give it to me as it is " not there fault ''. Please help.
Product: Credit reporting

Tran Union ; Have adress on my credit file as XXXX XXXX I 've never live there. Claim i have or had a home loan I do not nor a mortage.
Product: Vehicle loan or lease

I have spoken with 3 different women working for Chrysler Capital XXXX.1st one just hung up phone..2nd talked nicely and tried to help..3rd..talked nicely and made some progress. Then car was picked up from my driveway on XX/XX/2024 in evening over night hours..it was a Voluntary reposession due to the loss of Motor/engine in car busted during normal driving conditions..it was unrepairable..so I had to leave it be. All mechanics said the motor had to be completely replaced. I could Not afford it. Now in XXXX of this year it is falsly reported as late payments..and still collecting interest as of XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Alright, I am aware covid restrictions have been lifted. I sent this mail on XX/XX/2021 to all three credit bureau 's AND still no response other than we are working on it from these bureaus. I put in a CFPB complaint when they didn't respond to me after 30 days. Now this was has been far longer than 45 days and still no resolution. FCRA 15 USC 1681i in that very first paragraph states 30 days for investigation and 15 days for an extension. It's been 48 days! The law says if the items can not be verified within 30 days the investigation can not be more than 30 days. Clearly, there has been trouble finding the information required because it was never sent to me by the company! It was never sent to me which violated 15 USC 1666b ( a ). Now this is violating 15 USC 1681i ( 5 ) ( A ) and the treatment of unverified information after 30 days must be modified or promptly deleted. So can I please have these false late payments be modified to paid as agreed pursuant to law. These are written instructions I am giving to the credit bureaus according to 15 USC 1681b ( 2 ) and that law states there should be no consumer reports furnished without my written instructions. At this point, I feel like I am the only one reading this law. Please help and correct this fraudulent information. It's been 48 days. I am tired. This is extremely unfair and from my understanding, unlawful. I plan to go to the XXXX  and the Attorney General next.
Product: Student loan

I have hired XXXX XXXX XXXX to handle this debt since they are not willing to work within my budget and expect me to pay what a mortgage payment would be each month. Lately, they have called family members, including my sister-in-law, and harassed them to get me to call them back. They are not working with XXXX XXXX XXXX and I'm expecting them to sue. XXXX has lawyers ready to fight for me and reduce what I owe. I've paid them XXXX 's of thousands to them over the years and my balance is not going down. I'm tired of their deceptive practices and harassments.
Product: Money transfer, virtual currency, or money service

Hello - this morning at XXXX XXXX PST, I received an email from PayPal stating the following : After review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to use PayPal to send and receive money or shop online. Upon seeing this email, I immediately called PayPal customer service and was told by a representative that there was nothing they could do to reverse the ban and that they could not tell me what I did wrong either. I called customer service again a few hours later and received the same exact answer. 
I was never given any warning or indication that I was breaking any of PayPals rules before I received this ban on my account. Additionally, I have had this account for 2 years and have used it to buy and sell on the app XXXX all while having zero issues. I would like this matter to be investigated and for my account to be opened back up for me to use.
Product: Mortgage

XX/XX/2020 PPH Mortgage Services XXXX. XXXX XXXX XXXX. XXXX, New Jersey XXXX Re : # XXXX XXXX XXXX XXXX XXXX, Ohio XXXX To whom it may concern : I am asking for forbearance on my loan # XXXX. I don't have work because of COVID -.19. I am not making an income. I do XXXX and XXXX XXXX, and people won't let me in their homes because of covid-19, even with a mask. Also, people are out of work and are not doing XXXX XXXX, therefore, I don't have any income. I have been struggling financially since XXXX of this year. I believe I should obtain a forbearance for 180 days. Under the CARES Act, it gives me the right to forbearance. I barely make enough money to pay for my utilities each month. I never imagined that I would be in this terrible financial situation. I dont like asking for help, but I do need your help, otherwise, I would be homeless. 

This is very humbling to me. Please grant my forbearance for 180 days. 

Thank you, XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened in 2016 - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( Experian, XXXX, XXXX ) or you should expect an intent to sue in the mail, because I will have to choice but to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

l violated my rights to privacy by reporting my personal information and my private transactions and experiences on my consumer report. They weren't given consent or permission to do so. This is a civil liability violation and penalty can and will be implemented for damages sustained This my third an final time I filed complaint an no response per this complaint number. Failure to respond 5 calendar days will be constituted as your acceptance that the debt is not valid. Please understand verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response. 
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 or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - 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  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

In XX/XX/XXXX I was approved for a consolidation by Dept. Of Education XXXX XXXX XXXX. The money was sent to all creditors. On XX/XX/XXXX ECMC returned approximately 2300.00 back to XXXX  XXXX XXXX without an explanation. In XX/XX/XXXX I was contacted by XXXX XXXX XXXX 3rd Party collection agency stating the debt was outstanding. I explained all debts were consolidated and this debt is paid in full. In XX/XX/XXXX my wages were garnished. I called XXXX and was denied the dispute and told it would not stop the discharge. I escalated and was transferred to XXXX XXXX. Who took the dispute. XXXX agreed to send my original promissory note. On XX/XX/XXXX the notice was mailed to me and XXXX resolved my dispute and put me back into collection. I called XXXX XXXX directly and he put my case back in dispute but not before I suffered another garnishment. On XX/XX/XXXX I mailed all proof to XXXX XXXX to help me dispute. They agreed to call this a missed loan issue and not require me to file for another consolidation and stated the claim can take up to 30 days. On XX/XX/XXXX I contacted XXXX XXXX for a status. I was informed by XXXX that on XX/XX/XXXX XXXX XXXX sent notification to ECMC to resolve the issue and ECMC has not responded. I contacted XXXX XXXX with XXXX to explain the situation and ask for his assistance in reaching ECMC to resolve because when I call the automated system referred me to XXXX and disconnects. XXXX assured me He would help and suggested I call back Friday XX/XX/XXXX. Instead of assistance from XXXX, they resolved my dispute and on XX/XX/XXXX garnished my wages again. Since this ordeal has started my wages have been garnished approximately {$1000.00} which is 1/2 the debt owed. The unexpected garnishment has placed me in a financial hardship and forced me to borrow money and juggle my mortgage and other financial responsibilities. I would like to file a claim and obtain information to sue XXXX for unfair treatment and unethical collection practices. XXXX 's only focus is to recover their % by collecting on a debt that is truly not valid. I understand their position as a collection agency, but their practices are bordering unethical and harassment and definitely not helpful. I have been in constant contact with all 3 companies trying to resolve this issue. 6 months later it is still unresolved and I am being burdened, harrassed, and my wages garnished for my diligence. Please help. I am looking for ways to stop the garnishment, resolve the outstanding issue and recover on garnished wages and hardship. Please help. I can be reached at XXXX and my name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Checking or savings account

I am filing a new complaint after speaking to the CFPB by phone, and the Agent XXXX that I talked to said I had not done the report correctly, so this is a correction. ** I use Chime Bank and they always give me my Social Security deposit on the XXXX or XXXX, and even before. However, suddenly, for NO reason, they did not provide this deposit. 

I spoke with Social Security. They confirmed my account was fine and there was NO problem. They also told me that the bank is giving me the money early as their choice, and that is Independent XXXX Social Security. 

That may be, but Chime provided me with this deposit early all the time. It was consistent and I counted on it. 

Also Social security while better than nothing is too little to live on, so by the time I get it, I am hurting for money badly. 

Their delay of this money is causing me many serious problems, including for job interviews. 

I simply think Chime should not randomly change it's policies out of the blue it is harmful to those that depend upon it Also, if Chime does not wish to provide an early deposit all if a sudden, then I should be informed so I know what to expect. 

The weird thing is, I was not having trouble with Chime before this. I was a satisfied customer before this. 

However, I did have to report them to you last year for a shady practice as well I saw online that Chime has even been fined for their shady, less than honest practices The money they are causing the problem with is XXXX Treasury funds. I have tried asking them for an explanation, but I know what they are telling me is not true. 

I know it's not true, because Social Security told me this is Chime 's practices and not theirs. 

Essentially Chime lies to me. Also if they do finally provide the money, will they handle it honestly? ( Good question ). I will try to get another bank but with money pending, right now I can not. 

I've had a lot of age discrimination on jobs and with hiring, so this money is currently ALL I HAVE.
Product: Student loan

XXXX used XXXX XXXX to push out a forebearance on my loan where I did n't have to pay back, as a " courtesy '' for 3 months. They did this automatically without opt-in. 

On it 's own, that is just a minor annoyance. They then removed the autodraft that was in my account and responsible for automatically paying my loan every month. So, when the 3 months is up and if by chance I had n't seen their by-mail notice ( which could be worse if we were n't able to get mail in a relative amount of time XXXX, I would face a non-payment penalty. 

On top of all of this, they do not allow you to add your AutoDraft back online -- you have to call them in order to re-instate it ( for something I never asked for to begin with ). 

This is, undoubtedly, taking advantage of people with other things on their mind like getting their homes back to normal after a damaging category 5 hurricane.
Product: Debt collection

Was contacted by Midland Credit Management. I asked them to send me a validated copy of said debt. They said they had already sent one, which I never received. If I wanted to see another copy, I would have to log onto my account they set up on their website. I asked to set up a payment schedule to call in and make agreed-upon amounts on agreed-upon dates. They refused and informed me that I would be sent to collections and contacted by an attorney from my area if I did not set up automatic payments with them.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Credit Collection Services ( CCS ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

This agency reported a {$550.00} collection account to the credit bureaus without ever contacting me directly or sending me a written notice within 5 days of first reporting the debt, as required by FDCPA 809 ( a ). I was not given the chance to dispute or request validation before the account was added to my credit report. 

I disputed the account and the agency verified it without providing any proof of the debt or fulfilling their obligation under FDCPA to validate it. This is a deceptive practice under FDCPA 807. 

Additionally, the account has inconsistent reporting details across all three bureaus ( XXXX, XXXX, and XXXX ), and continues to damage my credit without validation. 

I am requesting that this account be removed from my credit reports until validation is properly provided and all reporting is accurate and compliant with federal law.
Product: Credit reporting or other personal consumer reports

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  REMOVE THESE INQUIRIES PLEASE
Product: Debt collection

This collection agency uses tactics and represents themselves as attorneys or law firm as they have themselves listed that way on my credit report. 

They NO longer have an obligation on this debt and they have sold/transferred to an actual attorney firm to which I sent a debt validation letter to almost 30 days ago and have not responded either. 

These collection agencies continue to pray on the XXXX  of people regarding their credit and skate the laws issued by the FDCRA.