23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an emergency at work and went to hospital which all bills were paid by XXXX XXXX XXXX XXXX. This bill I didnt receive at all because it was sent to an old address that I did not reside. It was two separate doctors bills that is separate from the hospital which I had no clue. I was able to work with one and had it paid but this one is not sending it to XXXX XXXX which they should have in the first place. They sent it to collections and I didnt know if the bill but when I called the company they got nasty and the credit service is unable to clear it up
Product: Debt collection

Subject : Formal Dispute of Debt and Request for Validation Information under Federal Law Dear MIDLAND CREDIT MANAGEMENT INC, I am writing in response to your attempts to collect a debt allegedly owed by me. I formally dispute the debt in its entirety as you have failed to provide the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Specifically, I am requesting : XXXX. A copy of the purchase agreement or assignment agreement between your agency and the original creditor demonstrating your authority to collect this debt. 

XXXX. Full validation of the debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ). 



In addition, I revoke my consent for any communication via phone, email, or any other method. Per the FDCPA, any further communication not explicitly authorized by law will constitute a violation of my rights. 



Violations of Federal Law You have failed to provide me with the opportunity to dispute the account within the mandated time frame, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Your actions constitute violations of the following : 1. 12 CFR 1006.34 ( d ) for failure to disclose all legally required information. 

XXXX. 15 USC 1681s-2 ( 7 ) ( A ) by furnishing information to consumer reporting agencies without fulfilling your disclosure obligations. 

XXXX. 15 USC 1692e by employing false, misleading, and deceptive practices in your collection efforts. 



As per 15 USC 1692k, you are liable for damages of {$1000.00} for each violation of my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I had a unknown charge on my chase bank account from " XXXX  Laws '' a online grocery store in XXXX I filed a dispute and was told by Chase my account was compromised by someone with XXXX XXXX  used in transaction. So they had me change user name and password and put the money back in account then on XX/XX/XXXX XXXX they reversed the claim and took money back I then called to find out why and was told because upon investigation there there wasn't proof that that it wasn't me and asked me if I could prove that it wasn't me which if they did a competent investigation they would see that it wasn't me because I don't have XXXX XXXX  they can see what device I log in with on the app that it's a XXXX not an XXXX they can see that I don't live in XXXX and I then asked if they could supply me the information of the XXXX XXXX  that was used and they said that they can not give me that information so basically my money was stolen from them from my account with them and they're doing nothing to help me figure this out and my only fault is using Chase Bank as my bank I don't even feel safe now banking with them now that I've realized I am not protected by them and XXXX  I've escalated this to their supervisor and the claims and I somehow randomly get cut off every time both times
Product: Debt collection

They contacted me couple times a week for over a month now. They have been reaching out looking for a family member. I told them I dont know where she is. I have lost contact with her after she never showed up to my grandmothers funeral. Ive refused to speak to her or acknowledge her ever since. I told the company that multiple times and asked them to stop calling me. They are bringing up a trauma every time they call.
Product: Credit reporting, credit repair services, 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 is falsely reporting my account history. THEY have not reported correct payment history with the original creditor. The credit bureaus are not verifying the accounts on my credit file correctly. I have never received the original binding agreement from these creditors nor are they reporting accurate payment history in over 90 days of disputes. Please send me proof of late payments and proof these credit bureaus are verifying the accounts with my signature. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.
Product: Credit card or prepaid card

My complaint stems from not being notified about a promo interest rate period ending. I had a 0 % promo interest rate period on a Savor Credit Card from Capital One. The promo interest period ended, and my expectation was to receive a notification, either via phone, email, or letter, that the period was ending. A notification was not received and I was charged interest for a month and a half until a balance transfer was completed.

The proposed change is that credit card companies should have to provide notification of an ending promotional interest period, to bring to the attention of customers the coming rate change.
Product: Money transfer, virtual currency, or money service

Is there a way to get money back if your scam by the company 's that you were supplying a card machine for your business to be able to accept payments. and they did some thing where i only got some of the payments deposited it to my bank and most of the payments they would process normal on my end but never be deposited fully into my account. some customers have admitted to me that they would make there payment using there card and it would show processing for a few days than it would go away and they would never being charged for the transactions. The company use and changed name on me a few times, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  but on the irs form XXXX XXXX XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX XXXX XXXX The only name person I can recall is a XXXX XXXX and the guy who signed me up in the beginning XXXX XXXX. and not to leave out they filed a claim on my credit for a billing of improper charging of fees that they continue to take out of my account that i had to close because when the bank would block them from charging me they would use other thermal and charge a different amount so it would go threw. my contact info is : XXXX XXXX XXXX BUSINESS NAME : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax,XX/XX/XXXX and XX/XX/XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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 I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Product: Debt collection

I had payment agreement with a medical provider to pay bill at {$25.00} every other week which I started immediately. Provider then sent account to collection in spite of agreement and then stated they are no longer collecting the item. I have attached several docs showing that I made a {$25.00} payment and then a bill after that from the medical provider showing they transferred the account to collection company as a bad debt write off in the amount of {$750.00} despite the fact that I was making payments as agreed. The collection company, Consumer Collections Management Inc. then sent me a letter stating they are collecting the debt and the amount went up {$150.00} for a collection fee, of which they can not validate that I EVER agreed to this with the original provider. This is a clear FDCPA violation. Also, they sent me the letter saying I had 30 days to dispute the collection in XX/XX/XXXX ( also document attached ) to which I responded in writing by certified mail right away and far before the alloted 30 days. ( I have attached the proof ), however they reported it on credit immediately and despite my letter, ignoring the law. Also they did NOT respond in 30 days or less after I asked to prove or validate the debt. Consumer Collections did NOT validate the debt or that I owe them as requested. When I called today and spoke with XXXX XXXX and told her that they need to send the validation that they can charge a collection fee or I they were in violation of FDCPA, I was transfered to the supervisor who refused to give her name and then she said she would send something in writing but the collection charges still stand and then hung up on me claiming I was being rude, which I was not and have a recorded call to prove it. This company is clearly operating by collecting debts using illegal tactics and ploys all while charging illegal fees for collecting debts without the legal ability or agreement by consumer to pay the fees with orginal creditor/provider. Luckily, I know my rights. I have sent payment to the medical provider for the {$750.00} dollars to satisfy the debt in full. I do NOT owe the collection company and insist that they remove the collection immediately from my credit and NEVER contact me again. Please help enforce this and advocate my rights and protect and honest consumer or I will hire and pursue legal relief and remedy to the fullest extent of the law.
Product: Payday loan, title loan, or personal loan

XX/XX/2021 last 3 payment Avant refused to take payment by debt card {$170.00}. XX/XX/2021 TOOK PAYMENT FOR XXXX STILL REFUSED {$170.00} PAYMENT XXXX took payment XXXX refused great payment but said I could pay last payment at any amount to pay the loan off on time XXXX pay off amount was give {$230.00} Avant refuse to take payment on last payment force me to possible go past end of the loan without full payment own past term and report negative on unpaid amount they refuse to take
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a repossession on my credit reports that is inaccurate. The information regarding this reported account is verifying inconsistent information between each bureau and is reporting inaccurate information. The reporting balance they say I owe is invalid, as well as the last reported date of payment and activity on this account. If all of the credit bureaus receive their information from the same place, how are they all reporting inaccurate and inconsistent information? It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called and written to Transunion credit reporrting agency on numerous occasions for address, late payment and other claims on my report. They have defiled my character and stopped me from getting credit with numerous financial institutions. Ive tried for months to get these false reports removed. According to law 15 USC 1681 section 604 it allows consumers privacy. I never gave my consent to post anything concerning my private information. Addresses other the my current address is irrelevant. All hard inquiries outside of XXXX XXXX XXXX  arent mine. Late payment and other derogatory statements arent mine.
Product: Credit reporting or other personal consumer reports

Account Information : Account Name : XXXX  Account Number : XXXX Account Type : Unsecured Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. {$16000.00} written off. 
Status Updated : XX/XX/XXXX Balance : {$0.00} ( Balance Updated on XX/XX/XXXX ) Original Balance : {$15000.00} Terms : 60 Months Dispute Reason : I am disputing the accuracy of the reporting on this account for the following reasons : Dispute Code : 112 : " Account status incorrect '' 202 : " Payment history incorrect '' 104 : " Balance inconsistent '' Payment History Inconsistencies : The reported payment history contains discrepancies, including duplicate or inconsistent entries for charge-offs ( " CO '' ) in XXXX and XXXX. For example : The account is reported as " CO '' in several months when the status update date shows no significant change in the account 's condition or balance. 
There is no clarity on the progression of delinquencies and the timeline leading to the charge-off. 

Status and Balance Discrepancies : The original balance is reported as {$15000.00}, but the written-off amount is {$16000.00}. This inconsistency needs clarification. 
Current Status and Payment Terms : The account status indicates " Closed '' with a {$0.00} balance, yet the delinquency history does not align with the terms of the account. There is a need to confirm whether this was reported accurately following the closure of the account. 
Missing Documentation : I have not been provided with sufficient documentation to verify the accuracy of the reporting. Specifically, I request evidence supporting the charge-off status, including payment records and any relevant account activity. 
Requested Action : I kindly request that XXXX and the credit reporting agency : Conduct a thorough investigation of the reported information. 
Verify the accuracy of all payment history entries and adjust any incorrect information. 
Provide all relevant supporting documentation justifying the current account status, including charge-off validation, balance details, and past-due payment reporting. 
Correct any inaccuracies identified in this dispute process and update my credit report accordingly. 

Payment records. 
Correspondence with XXXX regarding the account status. 
All documents that support the dispute. 
Closing Statement : I value the accuracy of my credit report and trust that XXXX and the credit reporting agency will address this matter promptly. If no verifiable documentation is available, I respectfully request the removal of this account from my credit file.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent out my formal complaints to XXXX, Equifax, and XXXX regarding the incorrect information that has been reported on my credit reports after sending out my round two disputes on around XX/XX/XXXX, Everything was sent out with a copy of my drivers license, social security number, utility bills, my name printed and my signature all sent certified mail. I received some letters back stating it was missing this information then received letters stating that my disputes have been received. I feel as though the credit bureaus are stalling to provide me with the requests that I have made or refusing to delete the inaccurate information based off the information. 

It has been well past the 30 days allowed for the credit companies to supply me with the information requested.
Product: Payday loan, title loan, personal loan, or advance loan

When we applied for the loan we were desperate our monthly payment is XXXX, XXXX goes toward interest and XXXX goes toward the principle, that's heart breaking we didn't really understand that most of my payment would be going to the interest and not the principle. We are on a fixed income and the payment is causing us to be almost destitute I mean we can not keep up with our other bills. We are behind in our proper taxes and everything because of this big debt. We need help. We would like our payments to be cut in half. Help us if you can.
Product: Checking or savings account

I have contacted Current [ Current.com - Banking services provided by XXXX XXXX XXXX, Member FDIC ] about an issue with a transaction that I had originally authorized but due to the business committing fraud, false advertising, breach of contract, and not providing the service as presented I wanted to revoke/de-authorize and reverse it. Current is not being helpful with their canned replies to my report and their somewhat human responses seem like copy/paste replies with no value. They have also stopped responding to my messages. Here is my message that I had sent to Current ( Banking services provided by XXXX XXXX XXXX, Member FDIC ) : " Hello, XXXXXXXX  is a Money Services Business ( XXXX # XXXX ) whom I had previously authorized an ACH Transaction in $ USD in the total of {$2900.00} ( Shown as XXXX XXXX # XXXX ) from my Current account to my XXXX account deposited there on XXXX and was held as $ USD and gained a % on it as interest. I would like to revoke/de-authorize and reverse it ( Code : XXXX ) for false advertising, breach of contract, and services not provided as presented. They stated, " Access to Funds Easily : There are no lock-up periods. Withdraw your funds any time and keep the interest you earned. '' and also stated in the advertisement I found them through on social media that also stated, " Withdraw Funds anytime. '' On XXXX ( a few hours after initiating the deposit ) they locked the option to withdraw via ACH $ USD for ALL their users. This is both false advertising and breach of contract on their part as I can not withdraw any of my money and do not have access to my funds which goes against what they stated in the ad and on their website. I also did not receive the service as presented. I have attached the proof. Also, XXXX announced on XX/XX/XXXX that they will be shutting down and discontinuing their service at the end of this month ( XXXX, XXXX ). So my funds are stuck in my account there and I can not get it out by withdrawing via ACH. They are not responding to support emails from me and other users that are trying to get in contact with them. Please help me get this resolved. 

Thanks, XXXX XXXX ''
Product: Debt collection

My wife and I have had XXXX XXXX for over 2 years. Prior to us receiving services all equipment and balances ( not in collections ) had to be paid in order to get service. We have never missed or been late on a payment since we started our service. A collection agency contacted me and my credit report shows that I have {$100.00} from XXXX XXXX in collections. I have spoken to multiple representatives at XXXX XXXX since XXXX 2015 when it was first reported. Each time that I speak with someone, they tell us that they have no records of sending any information to the collection agency, and that we do not have any outstanding balances or monies owed. They have told us multiple times since XXXX that the collection agency will take it off our report and they are unsure how this happened. We still currently have services with XXXX XXXX, paying our bill on time every month and this has still not been resolved or taken off my credit. We have not been provided with any information that needs to be sent to the collection agency, they simply tell us that we have to pay the {$100.00}. XXXX XXXX has not offered any solutions, other than to say that " they have sent the message to the collection agency to take it off '' and nothing has changed.
Product: Money transfer, virtual currency, or money service

I don't have an account with them. I sent a wire transfer to my friend who banks with Fifth Third bank in XXXX. On XX/XX/year> I did an online wire transfer from XXXX XXXXXXXX XXXX in Georgia. The money wire arrived at Fifth Third bank on XX/XX/year>. My friend went to pick it up and it was not in his account. I called Fifth Third and a lady customer service agent told me that she had my wire transfer in front of her and she said to tell XXXX XXXX to call her and she would send it back to them. I asked XXXX XXXX to call her and they refused. They said they had to do a recall on the transfer. It took them two days to do the recall and Fifth Third did not respond to the recall. XXXX XXXX sent a total of six different recalls for two months and no response. I called both banks for months trying to get my money back. A supervisor and the wire department told me they were waiting on a handful of authorizations and they'll send back my money. They said they have to get them. He said they just can't send my wire money back to my bank. Fifth Third representatives stopped answering me. They said since I don't have an account with them they can't give me any information. My friend has gone into the bank many times and they aren't giving him any information either. I opened up an account with Fifth Third but they still won't return my money. So I closed the account with Fifth Third. Fifth Third told me to file a claim in court
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FCU Per FCRA, reporting must be 100 % accurate or the information must be deleted.