23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management has been raising the amount owed from {$610.00} to {$610.00} then lowing it again back down to {$610.00} for weeks to mess with my credit. 
I set up a payment plan with them I made a {$50.00} payment and set up payment plan. Then they erased the payment plan. I started another payment and another {$50.00} down on it and now their site shows I still owe the {$610.00}. My credit report shows I owe {$530.00}. On top of this I have been disputing the date opened for weeks. I know this card wasnt opened in XXXX. It was opened XXXX if XXXX and they have statements when I log in proving this, which I have saved to my phone. 
I have tried settling with them in full with all income I have available no matter when I called they were very rude to me, and kept asking for more and more. 
Their website shows I havent ever made a single payment but I have emails showing the payments and a bank statement showing I have made a payment. I dont understand whats going on with this company but Im just trying fix my credit and pay down my debt and they are making paying them a horrible process and running me around for the money. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$0.00} ; SECURITY XXXX Balance : {$310.00}.
Product: Credit reporting or other personal consumer reports

Efforts to address these issues persist, yet a resolution remains elusive. In response to my letter submitted to the credit bureaus, your firm contends that my request for verification of inaccuracies on my report is deemed " frivolous '' or " irrelevant. '' It is crucial to emphasize that I do not perceive a matter of such personal importance as frivolous or irrelevant. Should my original request to verify the items outlined in my prior certified mail go unacknowledged, I am prepared to escalate the matter by filing a complaint with the Federal Trade Commission against your company. As a result, a thorough reevaluation of the following information is imperative. I respectfully demand validation of the alleged item, specifically the contract, note, or any other document bearing my signature. In the absence of such substantiation, I insist on the expeditious removal of these items from the report.
Product: Checking or savings account

Interest rates accrued, all wrong with high balance on checking, I had a checking accrued account, also high balance on Money Market and CD ... opened in XXXX and closed in XXXX Ignored .. defamated discriminated retaliated ilegally persecuted
Product: Debt collection

This phone # being called is not owned by the person the collection company is trying to reach. I have no information about this person, or know anything about this debt, and the issue is I have tried just blocking numbers from the company, but 'Credence ' continues to call, most of the times not completing the call or even saying who they are trying to reach. Once, though a name they were looking for was provided ( don't recall it ). Numbers attributed to Credence that are shown in the caller ID are ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

( Central time ) dates of phone calls are ; XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX etc.
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 or other personal consumer reports

I need to re-document and refile this grumbling to GM FINANCIAL. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Money transfer, virtual currency, or money service

My phone was stolen and while I was able to recover the phone after a traumatic encounter, the thief was able to venmo themselves {$850.00} from my phone. I froze my venmo account and contacted my bank and they were able to stop the payment. However, Venmo denied my fraud claim and is now asking me to pay them this amount. My Venmo account has also been frozen and without a solution, I am seeking this amount to be removed from my account and the account restored without penalty. I have filed a police report about the situation and a IC3 complaint. I have also contacted Venmo and paypal executives.
Product: Student loan

XX/XX/year> I am writing to formally express my concern regarding the misinformation I received from XXXX XXXX about the nature of the financial aid package provided to me. Specifically, I was led to believe that the financial assistance offered to me primarily consisted of grants and federal Pell Grants. However, I have recently discovered that a significant portion of my financial aid package includes private loans, which were not clearly communicated to me at the time of my enrollment. 

When I initially inquired about financial aid, I was assured that most of my educational expenses would be covered through grants and federal assistance. At no point was I adequately informed about the inclusion of private loans, nor was I made aware of the implications of accepting such loans. This lack of transparency has placed me in an unexpected and difficult financial position. 

As a student, I trusted the guidance and information provided by the school 's financial aid office. The omission of critical details regarding the private loans has had a significant impact on my financial planning and overall educational experience. Had I been fully informed about the nature of my financial aid package, I would have explored other options or made different decisions regarding my education funding. 

I kindly request the following actions be taken to rectify this situation : 1. A thorough review and clarification of my financial aid package, including a detailed breakdown of the sources of funding. 
2.Improved transparency and communication practices for future students to ensure that they receive complete and accurate information about their financial aid packages. 


I believe that addressing this issue promptly and effectively will help restore my confidence in the school 's commitment to supporting its students. I appreciate your attention to this matter and look forward to a timely resolution. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

Afni Inc has placed a fraudulent trade line on my credit report in order to extort monies from me that I do not owe. I have ask repeatedly for Afni to validate the debt per the FCRA/FDCPA and they have failed to do so. There negligence is causing me personal injury. 

Bogus account number listed on my credit reports is XXXX
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 Number : XXXX Account Name : XXXX Account Number : XXXX {$720.00} and 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: Debt collection

I am filing a formal complaint against Amsher Collection Services for violating the Fair Debt Collection Practices Act ( FDCPA ) and inaccurately reporting information to the credit bureaus. 

I sent a debt validation letter to Amsher Collection Services months ago requesting validation of the debt they claim I owe. As of today, I have not received any response or validation of this debt, despite it being well beyond the 30-day timeframe allowed by law. 

I want to make it clear that I have no idea what this debt is, as I do not owe money to anyone. Despite their failure to provide any validation or acknowledgment of the debt, Amsher Collection Services has placed a negative listing on my credit reports, which is damaging my credit score and reputation. This is a clear violation of the FDCPA, which prohibits debt collectors from continuing collection efforts, including reporting to credit bureaus, without first validating the debt when requested. 

As a member of the military XXXX XXXX XXXX XXXX, maintaining a clean credit record is of utmost importance to my professional standing. The negative listing placed by Amsher Collection Services is not only unjust but also jeopardizes my career XXXX XXXX XXXX which can be impacted by negative credit information. I find their actions particularly egregious considering their lack of response to my debt validation request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  this account below has violated my rights according to 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. 

Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report.Thanks
Product: Credit card or prepaid card

My name is XXXX XXXX, last XX/XX/2017 I placed order online from XXXX they took the payment of {$300.00} in my XXXX Credit Card. Synchrony BankXXXX XXXX. XXXX XXXX Fl XXXX Credit Card provider. Seller email me, my stuff deliver XX/XX/2017. I call the XXXX Customer Service, I havent receive my stuff? They told me gave some couple of days, it could be delayed? After a couple of days I call them again and tell them Ive havent receive nothing? And I want a full refund of my money back. The customer service giving me a hard time for my full refund? And asking me a lot of things to do? They took the payment right away in my XXXX credit card and I didnt receive my order? What a big SCAM? I disputed this issue in my XXXX Credit Card Synchrony Bank many times, same as XXXX they dont want to help me or to give me a credit back of {$300.00} or refund my money back? I spokes to Synchrony Bank Customer Service. I am not going to pay the outstanding balance of {$300.00} in my XXXX XXXX, unless if you give a Credit back or refund my money back of {$300.00}? I told them to close my Account XXXX ending in XXXX. I am afraid theyre going to destroy my excellent credit history that I taking care for so long? I always pay them on time and most of the time ahead? You can verify it to Synchrony Bank? And now they dont want to helping me to refund my money back? I spokes to this Synchrony Bank, you required the merchant a receipient document with my signature on it? Proofs indeed I receive my order? The merchant cant provide that documents? Please helping me to refund my money back from this Synchrony Bank/Amazon. And please helping me to protect my Credit History in four Credit Bureau? I look forward with your prompt action regarding this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Product: Debt collection

This alleged debt originated from a homeowners and auto policy from XXXX XXXX XXXX XXXX. During the policy period, they transferred funds paid by escrow from our home owners policy and applied it to a separate auto policy thus creating a shortage on out premium for the home owners policy without notice. This lead to the cancellation of our homeowners without our knowledge. We learned about this from our mortgage company when we received a notice of intend to foreclose for not maintaining insurance on our home. We quickly engaged another company to provide insurance. 

On XX/XX/XXXX, we filed a complaint with the XXXX XXXX Montana XXXX, XXXX XXXX XXXX XXXX XXXX, case number XXXX. XXXX XXXX XXXX handled the investigation. Upon completion on XX/XX/XXXX, XXXX XXXX XXXX XXXX was found " at fault ''. 

The ruling forced XXXX XXXX XXXX XXXX to change their method of conduction business within the XXXX of Montana. Additionally, XXXX has issued us a refund of {$100.00}. 

Through the adjudication process, it was deemed that all accounts were settled and this was confirmed by XXXX XXXX. 

On XX/XX/XXXX, I was contacted by a Collection Agent, XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX. They were attempted to collect a debt of {$1600.00} allegedly owed to XXXX. Even though I supplied this with the legal information from the XXXX of Montana, they placed this on my credit report. They had no interest in verifying the information from the XXXX of Montana. I ended up paying them {$1600.00} in order to remove the negative reporting on the credit bureaus. 

Now that I have completed my real estate closing, I am seeking to correct this wrong and recover the {$1600.00}.
Product: Credit reporting or other personal consumer reports

RE : unauthorized inquiry to my consumer report ; demand for deletion and {$1000.00} settlement. 
to. whom it may concern you are violation of the Fair Credit Reporting Act ( " FCRA '' ), ( 15 U.S.C1681b ( a ) 3 ( f ) ( i ), for unlawfully obtaining my XXXX consumer report on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX without my authorization or a premissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ) and its guidelines for premissible purpose. A person shall not use to obtain a consumer report for any purpose unless ; 1.the consumer report is obtain for purpose for which the consumer report is authorized to be furnished under this section.

2. the purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis,260 F Supp 2d 711 ( S.D lnd 2003 ) 616. Civil liability for willful noncompliance { 15 U.S.C 1681n }
Product: Debt collection

This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. Because of this I could not purchase a home or gain a credit card. I never gave this company my information or endorsed an instrument with them. Pursuant to 12 CFR 1006.6, more specifically subsection ( c ), this is a notice to cease all communications as the Fair debt collection practices act describes it which includes both direct and indirect communication on ANY medium except that you may ONLY communicate with me under the stipulations that you will send me validating information such as the entire purchase agreement ( and other validating data ) and/or to respond to ANY complaints from the Consumer Financial Protection Bureau ( cfpb ). In case this company feigns ignorance, I attached a screenshot of the XXXX website explaining how the FDCPA defines communication. I did not endorse an instrument with NCB MANAGEMENT SERVICES nor have they provided proof that I did with my wet ink signature, they only purchased a contract and are trying to collect without having it endorsed first which violates Uniform Commercial Code 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee
Product: Credit card or prepaid card

I booked one ticket on a sightseeing air trip for my mother. The price was {$82.00}. The company then said as a promotion it was a 2 for 1 and that I would be able to go as well, for a total of {$82.00}. I confirmed this twice.

When I arrived, they asked for my card. They physically swiped and charged it twice.

The owner of that company will not reply to my emails. That is when I started a contest with Capital One.

Capital One sent them out a notice and they replied with " he was only charged once. '' That isn't true, I was charged twice, for one item. It is literally the exact same amount. 

Capital One told me they are not investigating it further. They are not adhering to their own T+C when there is CLEARLY a duplicate charge. 

They need to refund me the second charge or I will be forced to escalate this issue to arbitration due to them not doing their job in investigating this complaint. They are siding with a company that did not give a valid reason vs. mine, which is not only valid but truthful. 

In essence, Capital One is refusing to remedy the situation because it will result in them crediting me. However, the charge was not consented to by me and it is clearly a duplicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello good day from pulling my credit report I notice that their are Multiple Inquires on my credit report. 
XXXX XXXX XXXX INQUIRED XXXX XXXX INQUIRED NAV XXXX INQUIRED XXXX XXXX XXXX INQUIRED XXXX XXXX INQUIRED Now I'm just finding out about the multiple Credit Inquires on my Credit Report This is the Reason my Credit Score has not changed the company involved did not get my PREMITTION TO DO THIS. 
This has to cleared up Immediately and be Compensated for my LOST due to the company 's Lack of Common Laws of the People for the People not Credit company 's this has been going on for over THREE Years NOW??? 
The Law Clearly States 1681A, 16814B, 15USC1681N My Rights have been Violated as a US Citizen.

Thank You
Product: Checking or savings account

I have been locked out of my Citibank account for over XXXX weeks without any explanation, and I have not been able to access any of my funds. Citibank informed me that in order to regain access, I would need to wait for a verification letter, which could take XXXX weeks to arrive. Despite calling numerous times for assistance, I have not received any help, and they continue to insist that I must wait for the letter. This situation is causing a significant financial burden, as I am unable to pay my bills or access my own money, and I have received no reasonable justification for why my account was locked in the first place. This delay is extremely frustrating and unacceptable.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$1000.00} to a friend 's account in XXXX XXXX. The Moneygram site said the wire would take minutes to hours but as of today ( XX/XX/2019 ), the money has still not arrived. Moneygram withdrew the money from my bank account on XX/XX/2019. Despite three calls to Moneygram over a week, no one will tell me when the money will arrive or why there is a delay. I have submitted complaints online via messages in their website and I have called them and spoken with several representatives. The first told me that " there was a glitch '' and the money would arrive in my friend 's account in 24-48 hours. It never did. The two representatives I've spoken to since have told me they can not answer my questions and that I need to call back in 24-48 hours.
Product: Mortgage

I have sent my mortgage company 3 documented inquiries about eliminating the PMI from my monthly payment, as my loan to value is under 80 % now. It has been a month since I sent the first one, and have received no response other than this : " Thank you for contacting us! Your inquiry has been forwarded to the team of specialists experienced in resolving your issue. Our hours of operation are from Monday-Friday, XXXX XXXX.- XXXX XXXX Eastern time. We will provide you a response as quickly as possible. 
Sincerely, Customer Communications Department NMLS ID XXXX '' The mortgage company is Lakeview Loan Servicing , LLC
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not authorize thoses charges or account. I ask that the item be deleted to correct my credit report. 
I reported the theft of my identity to the federal commission and i also have enclosed copies of the federal trade commission Identity Theft Affidavit. Please delete the item as soon as possible.