23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit management is continuously updating balance owed on a debt where they already sued me for in the state of SC. Credit score keeps dropping because of their tactics. No need for them to continuously update my credit report. I think they are doing this out of spite. Recently as of XXXX my balance keeps being changed by XXXX $ a month and they are continuously attacking my credit report destroying my score after they have done everything they can to collect. I have a judgement already for this devt
Product: Debt collection

DEAR XXXX LVNV FUNDING LLC ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting or other personal consumer reports

Please dispute the following negative accounts. 

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 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

My medical information was shared with a 3rd party collection agency and sold which in all goes against HIPPA rules.
Product: Debt collection

On XX/XX/XXXX, I received a voicemail from someone saying their name was XXXX XXXX claiming to be a process server, no company name given and that she was going to be serving me at my home address or place of employment on XX/XX/XXXX to take me to court. I was told to call XXXX. I called that number and it does not state the name of the company. After several rings, the phone was finally picked up by someone who again did not state the name of the company. She said her name was XXXX and that they had purchased a debt from U.S. Bank. She threatened that if I didn't pay {$1400.00} over the phone that day at that moment with my debit card that I would be taken to court and made to pay around {$5000.00} in legal fees. I asked for documentation of the debt because I did not previously receive anything. She said US Bank was well known for not performing due diligence but that she wasn't required by law to provide documentation of the debt. She said she would email me an agreement to pay only if and when I was at a computer at that moment and would e-sign while on the phone with her agreeing that I would pay with my debit card. I again asked for documentation of the debt but was told I didn't have to pay if I didn't want to, I could just pay the {$5000.00} once I was served and taken to court if I'd rather do that. I told XXXX that I wanted to call the bank to confirm. She said she would give me until Monday which is today at which point she would have me served at home or at work if I hadn't paid by then. I was refused the name of the company until I agreed to sign the agreement to pay via e-sign in my email which they wouldn't send to me until I was at a computer and while on the phone with them. I called US Bank Monday XX/XX/XXXX and they informed me that they sold a debt in my name to XXXX XXXX XXXX several years ago for an account that I had over a decade ago. I was informed by US BANK that XXXX XXXX XXXX was now out of business and the bank had no idea who would be contacting me about this debt. I also then found out from my sister, my brother and my parents that they had each received a phone call from the process server threatening to serve me and take me to court. I have tried identifying the name of the company by reverse lookup of the phone number but couldn't find a legitimate company with that number. I told XXXX from this unknown debt collector company that I had no issue paying any legitimate debts I had as long as I was shown documentation of the balance owed which she refused to give me. I don't feel comfortable giving out my debit card information to someone unwilling to give me a company name and unwilling to show me documentation of the amount owed. So, I decided to file a complaint because I feel like this method of threatening or scaring me into paying something I have no documentation of to a company I don't have information on, is just wrong and possibly illegal. I have the voicemail saved on my phone from the supposed process server.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Fed Student loan that is serviced by XXXX I was a good payor and then due to employment reasons went into forbearance for 3 months - I waited too long to contact XXXX to extend the forbearance and they reported I was late with payment. Because I did not consolidate the student loans there were 8 separate loans all listed as late. Because of this my credit score plummeted and now I am unable to get an apartment car lease or anything else. Help. Why should my life be ruined because of one late payment. Thats all it was was one late payment that has even affected my employment. Please help me as I am hopeless at this point.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I believe these accounts and inquiries were opened without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this inaccurate information removed from my credit file. 
Fraudulent Accounts : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting

Trans Union refuses to remove student loan accounts that have been discharged by the Department of Education on XXXX XXXX 2016. The accounts are with XXXX and with XXXX. Trans Union is reporting incorrect account numbers on the Dept of Edu/XXXX accounts ; the XXXX account is properly reported as XXXX ... I have attached documents from XXXX, service for the Department of Education, proving that these loans have been discharged and paid in full and at XXXX balance and should be removed immediately from my Trans Union credit report.
Product: Checking or savings account

I opened a new Everyday checking account with Wells Fargo in XX/XX/year> with a {$300.00} new account bonus. I did everything that was asked ( e.g., added {$25.00}, direct deposits totaling > $ XXXX, kept the account open, etc. ) and never received my {$300.00} bonus. 

I called Wells Fargo in XX/XX/year> and they agreed I met the requirements but did not know why I did not receive the offer. They suggested I go to a branch to resolve but I have none around me.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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. 


XXXX Never Sent the periodic statement along with the disclosures from section

1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never
provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Bank account or service

I got a notice about some unusual activity on an account that I set up for my younger brother to pay his expenses while in college, basically transferring all the money electronically to a different account through a program called XXXX. After confirming that it was n't initiated by my brother ( it was not ), I called and immediately asked for a hold to be placed. For this, I was charged {$30.00} which pushed the account into overdraft, but I was not worried, because I was assured the money would be returned in short order. Fast forward to 4 days, the transaction clears, to my incredulity, for which I was charged an additional overdraft fee. Furthermore, a number of transactions for very minimal accounts were in processing PRIOR to this transaction being posted and I was charged an overdraft fee for all of them. Finally, the bank decides to decline a transaction from paypal for {$9.00} and {$5.00}, respectively. I was charged a {$35.00} NSF fee for each transaction. As if this were not insulting enough, XXXX and the bank then proceeded to recharge, and return those transactions a stunning XXXX times, charging a {$35.00} fee on each occurrence. What should have been {$200.00} that remained in the account, taken out due to unusual activity that I immediately notified the bank to not process, instead resulted in a cascade effect in which not only is the {$200.00} gone, the account currently sits at a negative balance of {$610.00}, of which {$490.00} is solely due to XXXX and the bank attempting to collect the same {$9.00} and {$5.00} multiple times a day for multiple days, and then returning the payment and charging me, despite no permissions granted to do as much. Completely egregious and none of this should have ever happened
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My consumer report lists the following issues/accounts as needing investigation and correction due to inaccurate reporting in my file. Ive sent letters including my FTC report to Transunion on XX/XX/XXXX tracking XXXX. Transunion refuse to investigate. I sent in a reinvestigation request and along with debt validation XX/XX/XXXX and XX/XX/XXXX tracking XXXX and XXXX Transunion still have not sent me any documents including my signature to verify these accounts. The account are listed below. Please send me proof of debt with my signature or remove these inaccurate accounts from my consumer report. Here are the accounts I need investigated and validated accounts XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit card or prepaid card

Complaint against Wells Fargo Credit Card services Credit card # XXXX  Primary card holder : XXXX XXXX XXXX ; Authorized user : XXXX XXXX XXXX  We were impacted by the FEMA declared Natural Disasters that struck XXXX, CA. My wife and I both work for schools and were unable to work for 7 weeks because of fires and then the debris flow closed US highway XXXX. I spoke with XXXX XXXX in the Wells Fargo Executive Office on XX/XX/XXXX and begged him for a 3-month temporary hardship deferment so that we could recover from the devastating wild fire and debris flow that crippled XXXX and XXXX XXXX, CA. XXXX XXXX promised me that he would waive the late fees and interest charges for 3 months ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( Wells Fargo claim # XXXX  ).

Wells Fargo LIED AGAIN! They DID charge us late fees and interest charges.
Product: Credit card

XXXX XXXX is using my address when applying for credit from Chase.
Product: Credit card or prepaid card

I had been collecting unemployment benefits from the state of Arizona for the majority of 2020. I would have my benefits paid weekly onto a Bank of America debit card issued by the state of Arizona. On approximately XX/XX/2020 my debit card from Bank of America was closed without warning. There was the amount of {$1400.00} in funds remaining on the card. I have made numerous calls to B of A as well as Arizona XXXX. Both of them say the other is to blame but neither of them want to take responsibility and return the money to me. 

Can you help me get my money back?
Product: Debt collection

LVNV TALKED TO MY BROTHER AND KEPT CALLING HIM (SEE CELL PHONE RECORDS 16 CALLS TOTAL IN VIOLATION OF TCPA. ALSO, NEVER VALIDATED DEBT AND INSERTED A INVALIDATE LISTINGS ON HIS CREDIT REORTS IN VIOLATION OF FCRA AND FDCPA.
Product: Checking or savings account

On XX/XX/year> I reported unauthorized transactions to sofi bank via their online dispute process. The dispute process was confirmed to be started and a new debit card was being sent. On XX/XX/year> at XXXX XXXX cst the first business day since the start of the disputes. I received emails from XXXX stating that all disputes have been investigated with the payment network and merchant and all disputes have been denied and closed. Because of the speed of the disputes being closed it is my belief that the disputes have not been investigated and XXXX  is systematically denying disputes automatically without investigation or disputing with the merchant. There for not following federal regulations in regards to disputes under XXXX e. Furthermore after some research the disputed transactions were charged with a category code of XXXX when they should have been XXXX according to the merchants actual service per their websites.
Product: Credit reporting, credit repair services, or other personal consumer reports

I show a bankruptcy on my XXXX, TransUnion and XXXX credit report. US BANKRUPTCY COURT XXXX  MISSISSIPPI/ Reference # XXXX. I have contacted the court and their response is attached. I also contacted each credit bureau to determine how they were provided with this information and their response was from the courts. I went on to contact XXXX  as well as XXXX XXXX and both responses are attached as well. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Money transfer, virtual currency, or money service

I sent {$400.00} from new York on XXXX XX/XX/2019 to my first bank account in XXXX through money gram since the company claim that the can send money to your account directly. Unfortunately for me the money was not delivered to my account till now. This money was meant to pay for a deposit in the hospital so that the doctor can attend to my uncle who was sick over there. I have called moneygram several time to resolve the mater and I keep on getting the same response. The always tell me to call back in two to four business day that the bank in XXXX has not gotten back to them. I keep on getting the answer any time i called and I decided to call the first bank head office in XXXX. Only for them to tell me that no one contacted them. The suggest to me to ask money gram which email or number the contacted but money gram refuse to disclose that to me. I am frustrated and I think money gram shouldn't operate in XXXX if so much complain continues. 
Please I want CFPB to help me recover my money because is not yet deposited in my account and mony gram still have the money in their possession.. 
Thank you for anticipated cooperation.
Product: Money transfer, virtual currency, or money service

Money made available in the account when it wasnt then charged over draft fee
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX account # XXXX & XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX all have violated my rights.

15 U.S.C 1681 Section of 602 A States I have a 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.