23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 I noticed a negative report on my credit report. Midland Credit Management indicated that I owed them {$620.00}. I contacted them and stated that I never heard of them. I was told the original creditor was XXXX XXXX. I indicated that XXXX XXXX closed and wrote off this. However, I have plan on paying the balance off. I was informed that Midland Credit Management bought this debit from XXXX XXXX and I owed them {$620.00}. 

I disputed this debit with XXXX and XXXX and they found the amounts to inaccurate with Midland Credit Management. 

I was then sent a letter from Midland Credit Management for me to provide them proof of what I owe. Now I am receiving Pre-Legal Notifications in the mail I have reported Midland Credit Management to XXXX and you. I have also wrote them and told them, by Law they are to provide me with written statements of the original purchase, what is was for, how much and when and how they came to this amount of now {$620.00}. 

Companies buying old debit needs to be against the law as they businesses are harassing people and charging hundreds and thousands of dollars of what is actually owed. 

I want this to stop and my credit wiped clear of Midland Credit Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC 1681b the permissible purpose of consumer reports. I am in distress and this matter has affected me from getting access to different forms of credit needed during this time of a pandemic. I have no choice but to seek legal remedies for this issue to be taken care of.
Product: Credit card or prepaid card

In XX/XX/XXXX, I applied for American Express XXXX XXXX  credit card with the promotional offer of spending US {$1000.00} within the first 3 months of membership and receiving XXXX XXXX reward points. 

And In XXXX, I spent US {$2000.00}, in XXXX, I spent {$810.00}, far exceeded the requirement for the signup bonus, yet American Express denied my bonus claiming they have the ultimate say in bonus eligibility and they " decided '' that my intention was to get the sign up bonus and not use the card. 

In XXXX, I also applied for and got approved American Express XXXX EveryDay card with the condition of spending {$1000.00} within first 3 moths of account opening and receiving US {$100.00} bonus. By XX/XX/XXXX, I have spent {$1300.00} on the card, again, American Express denied my sign up bonus. 

I have been using American Express credit card with an annual fee constantly since XXXX, and I have been had a bank account with them since around the same time and that has been my main account. For American Express to claim I have not been giving them business in the past simply does not reflect the truth. 

I don't have a problem with what American Express said they can decide whether someone is eligible for the sign up bonus or not, but I have a HUGE problem with American Express not making that fact that an application is not eligible for sign up bonus clear in the application process, basically what happened was one party ( American Express ) silently altered the contract that without informing the consumer, and this is FRAUD. From other user group discussion, this happens to a lot of users too. American Express claims during the application process, there may have been a pop up window telling the user that they may not be eligible for the sign up bonus and if they wish to continue with the application. In both of my cases, that never happened. And if that indeed happened, I demand the evidence of user ( me ) clicking Yes to continue my application on the form that informs me that I would not be eligible for sign up bonus.

Also instead of making this critical step a mandatory user input in their online application process, the choice of using a pop up window is very dubious as American Express must be aware that lots of browser block pop up by default. This is at best gross negligence and possibly intended for it to be blocked. 

It is for this reason, I urge you to look into this predatory practice : by claiming the ultimate authority on deciding the bonus eligibility, by making the part that informs user their ineligibility obscure, then combined with advertising to the consumers with promotional offers, American Express has fraudulently profited consumers taking up on their advertised offer then deny what's promised. This is totally unfair and unacceptable.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this statement in reference to a dispute concerning inaccuracies within my credit report. Below is a summary of my concerns and the request for further investigation : I hereby request confirmation that all information being reported on my credit file is accurate, complete, and in compliance with the Fair Credit Reporting Act ( FCRA ), as well as any other relevant consumer protection laws. I expect that only current, true, correct, and complete data will be retained in my file. Any information that fails to meet these standards and does not comply with applicable regulations must be immediately removed. 

I DO NOT authorize the reporting of any inaccurate or misleading information, whether past, present, or future, and I require that a thorough review of my credit file be conducted to ensure full compliance with the laws governing credit reporting. It is my legal right to demand these corrections, and I request prompt action to resolve this matter. 

I have identified specific information that I believe is inaccurate, and I demand that you investigate the following discrepancies. Please review my attached dispute letter for a detailed list of the issues in question. 

I trust that you will handle this matter with the utmost priority, as I am entitled to a credit report that accurately reflects my financial history. I kindly request written confirmation of the actions taken and any updates regarding the results of your investigation. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I settled a closed capital one credit card account with a collection agency. Capital one informed me that even though their collection agency collected and agreed to a settlement on their behalf, they would not update the closed tradeline to a XXXX  balance or settled for less than the original balance. They have updated the payment but have not cancelled the remaining debt and part of the settlement. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ) did not have permissible permission to access my credit report on XX/XX/2017. I have complained and requested copy of the permissible permission for 4 1/2 years. Attached is the latest reply I received from XXXX requesting my account number while they reflect the account number on the top of the letter. XXXX didn't have my permission which is evident and they sold to a thief using my name. I called XXXX trying to reason but again was a waste of time.
Product: Debt collection

This is what happened recently dated XX/XX/2020 and About to Travel XX/XX/XXXX to XXXX California ..I am a military who is about to do a final military travel move back home. 

Every time a military move there is a travel pay money given by the military DFAS to help the family movement allowance to another state ..

So to make the story short ..DFAS deposited my travel allowance into my old navy federal account that I never use for 4 years..I have a credit card with navy federal.. In order to pay all my credit cards and other debt I went into a program debt consolidation -National Debt Relief Program ... Navy federal credit cards are enrolled in that program ..Since I went into that program navy federal freeze me using my account but it is open account ..I tried closing but they said cant do it coz I still have a debt to pay with them ..I can only close my account when everything paid off.

Navy Federal applied that deposited money to pay some of my credit card as a charge for not paying them ..They know already I was enrolled into a debt consolidation -National Debt Relief Program .They just touch that travel money with out informing me or any acknowledgement from them like hey there is a money deposited by dfas to us bla bla bla!!!

So when I learned that dfas deposited my travel money with the amount XXXX to my old account navy federal bank and its been deposited for a couple of weeks ..I contacted navy federal..

I talked to one of customer service team and said I cant get that money back and that money was use to charge against my credit card.. 

So is there a way I can still get that money back because that money is for family travel allowance not for a credit card.. 

v/r jg
Product: Debt collection

In a recent review of my credit report, I noticed that SW CREDIT SYSTEMS L.P has placed an erroneous and derogatory entry, claiming that I owe them {$230.00} I have no account with them, nor have I ever. The account number referenced above is all the information that I have concerning this alleged debt. Since SW CREDIT SYSTEMS L.P saw fit to place this item on my credit report, they obviously have all the information they need in order to investigate and correct there error. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Please also be aware that a sworn affidavit from there compliance officer does not constitute a valid validation of this debt. 

Please also be advised that this letter is not only a formal dispute, but a request that they cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 

I also hereby reserve my right to take private civil action against you to recover damages.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and also tracking the transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and accountability transparency is unacceptable and raises serious concerns about consumer safely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report from a monitoring service so that I can start the process of getting a vehicle loan for my trucking business and I have several Federal Government Loans on my report that are n't mines at all. I am filing this initial complaint being from several hours researching I came across your website information about consumer financial protection bureau. There are 6 accounts that show several 120 late payments from these accounts that I do n't have and not aware of and I am demanding that all accounts be deleted & removed permanently from all 3 credit bureaus - XXXX, Trans Union , & XXXX based by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970.
Product: Credit reporting or other personal consumer reports

I request a credit freeze/block/PIN for XXXX, Experian, XXXX and XXXX XXXX
Product: Debt collection

I have a debt on my account that is not mine, I 've had XXXX and have not went to the hospital at all. The account is with CRA COLLECTIONS for medical and I know it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix my issue with XXXX numerous times concerning my credit report. They are reporting numerous accounts that are inaccurate and unverified. I have looked at all 3 credit bureau reports and noticed XXXX is reporting the views on the cumberland was opened on XX/XX/2016. Then on my Transunion report I have that it was opened on XX/XX/2016. None of the dates match up on my credit report. They should all say the same exact thing. Every date from the date it was opened until the day it was closed or charged off should be the same. I wanting this account removed immediately from all 3 credit bureaus for reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 knowns or has reasonable cause to believe that the information is inaccurate. 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Delete evictions XXXX XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( b ) XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. 
Charge offs : XXXX XXXX XXXX. XXXX XXXX XXXX Late XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX 
XXXX fcra XXXX XXXX XXXX Originally : XXXX XXXX XXXX ASSIG Collection Account In Collections XX/XX/XXXX XX/XX/XXXX {$2200.00} {$2200.00} {$2200.00} XXXX XXXX XXXX  Revolving Charged Off XX/XX/XXXX XX/XX/XXXX {$1000.00} {$1000.00} {$1000.00} XXXX XXXX XXXX Originally : XXXX XXXXXXXX XXXX XXXXXXXX. Collection Account In Collections XX/XX/XXXX XX/XX/XXXX {$740.00} {$740.00} {$740.00} XXXX XXXX XXXX Originally : XXXX XXXX XXXX  XXXX XXXX. Collection Account In Collections XX/XX/XXXX XX/XX/XXXX {$680.00} {$680.00} {$680.00} XXXX XXXX Revolving Charged Off XX/XX/XXXX XX/XX/XXXX {$480.00} {$480.00} {$220.00} XXXX Installment Account Payment Plan/Redeemed XX/XX/XXXX XX/XX/XXXX {$3200.00} {$0.00} XXXX  XXXX XXXX XXXX Account Charged Off XX/XX/XXXX XX/XX/XXXX {$2200.00} {$0.00} {$0.00} Rental payment history items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX LEFT , MONEY OWED XXXX Past Due XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$880.00} {$1000.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX PLACED WITH COLLECTIONS ON XX/XX/XXXX In Collections XX/XX/XXXX {$1000.00} {$1000.00} Please let me know exactly which items you want to dispute, and the reason for each item.
Product: Mortgage

I bought new house in XXXX, TX area. I and my family were excited for our first home. We were looking around for good lender with great rate. Bank of America is XXXX of them. they come up with plan mentioning that you are eligible for physicIan loan with 3.75 % apr AND You do not need to set up any escrow account for it. I asked their agent-XXXX XXXX multiple times that are you sure that I do not have to set up escrow account? She answered me that I am 1000 percentage sure you do not have to set up escrow account with 10 percentage down. There are few lenders who were providing me similar rate with XXXX loan with no set up of escrow account. XXXX was so aggressive that we will give you best service and everytime my question was similar that are you sure that I do n't have to set up escrow and she is saying that I am very sure. We decided to go with Bank of America looking at her confidence and promise. She sent me closing cost work sheet/good faith estimate without any escrow account as well. I can show to prove her promise. meanwhile, I provided lot of documents for my loans in timely manner whatever processor and underwriter was requesting. There was only 4 working business days remain for closing and she came up on XXXX/XXXX/2015 late afternoon mentioning that we have to now set up escrow account. I made mistake and please forgive me. I was really upset because not setting up escrow account was only reason to go with bank of America. There are other lender providing same rate loan with out escrow. I was really anxious because only 1 wk remained for my closing. I felt cheated as customer by end of day. I can not understand that loan went through different stages before final approval and nobody noticed or informed me about escrow thing until last moment when only 4 days remained so I can not go any where. I would never go with Bank of America if I am aware about that I had to set up escrow. I had different options for not setting up escrow for home loan. I ended up paying additional XXXX for escrow account and now monthly payment that I was not ready for it. I would totally consider it as a fraud and cheating to customer. I believe that it is customer right to get correct information about product whenever they are buying something. INFORM CUSTOMER ABOUT SURPRISE WHEN THEY CAN NOT DO ANYTHING THAT IS MOTTO OF BANK OF AMERICA. 

please help me out with this matter so no one else can get fooled/cheated by them.
Product: Mortgage

ON XXXX XXXX2017 I SENT iMORTGAGE ( LOANDEPOT ) ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX ) XXXX 'S PAYMENT WITH ADDITIONAL MONIES INCLUDED IN THE PAYMENT CHECK, IN THE AMOUNT OF {$12000.00}, TO BE APPLIED TO PRINCIPAL ONLY. THIS OPTION WAS OFFERED TO ME ON THE PAYMENT COUPON, WHICH I FILLED IN. THIS WOULD HAVE BROUGHT MY LOAN PRINCIPAL TO XXXX ( {$0.00} ) THE CHECK CLEARED MY BANK ON XXXX XXXX, 2017. 
ON XXXX XXXX, I RECEIVE A PAYMENT STATEMENT FOR XXXX, WITH A PRINCIPAL BALANCE OF {$12000.00}. THE {$12000.00} I SENT THEM HAS BEEN DESIGNATED AS PARTIAL/UNAPPLIED PAYMENT. AND THEY CONTINUE TO CHARGE ME INTEREST EVEN THOUGH THEY HAVE THE FUNDS TO BRING MY BALANCE TO XXXX. 
I CALLED XXXX XXXX XXXX XXXX AND SPOKE TO XXXX XXXX, DURING THE CONVERSATION I WAS INFORMED THAT THE COMPANY COULD NOT ACCEPT PERSONAL FUNDS FOR PAYOFF ; IT HAD TO BE CERTIFIED CHECK OR BANK WIRE, OR THOSE TYPES OF PAYMENT. HE ALSO SAID I HAVE NOT REQUESTED A PAYOFF, WHICH IS DIFFERENT THAN THE BALANCE DUE ( {$12000.00} BY XXXX/XXXX/17 ). FAIR ENOUGH. 
I TOLD XXXX THAT WITH THE {$12000.00} ADDITIONAL PRINCIPAL BRINGING MY BALANCE TO XXXX, I EXPECTED THE COMPANY WOULD CONTACT ME WITH INSTRUCTIONS ON HOW TO CLOSE THE ACCOUNT, BUT THE ONLY COMMUNICATION I RECEIVED WAS ANOTHER PAYMENT COUPON FOR XXXX. 
HE ASSURED ME THAT THEY WOULD REFUND MY {$12000.00} { HOPEFULLY BY XXXX/XXXX/17 } AND HE IS SENDING INSTRUCTIONS ON HOW TO PAYOFF MY LOAN, INCULDING A PAYOFF AMOUNT GOOD UNTIL XXXX/XXXX/17. 
SO MY QUESTIONS ARE THESE ( A ) HOW CAN THEY CASH MY CHECK AND REFUSE TO TAKE MY ADDITIONAL PRINCIPAL PAYMENT AND ( B ) SINCE THEY HAVE MY FUNDS TO BRING MY BALANCE TO XXXX CAN THEY JUST SAY NO, AND CONTINUE TO CHARGE ME INTEREST?
Product: Credit reporting, credit repair services, 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. 

NAVY FCU : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have filed a disputed regards to the incorrect on my credit report. Its been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters to Equifax in regards to inaccurate account information and the accounts Metro 2 compliance fields. The investigation was only supposed to last 30 days since no additional information was provided. It's been over 60 days and the investigation is still going on. When I called, they started I would get results, and to date, I haven't received anything and it's still active.
Product: Student loan

I attended XXXX College from XX/XX/XXXX to XX/XX/XXXX. Student loans were processed with XXXX XXXX XXXX who I arranged monthly installments. I am in good standing with this company however, in XX/XX/XXXX I received a message on my credit report of two derogatory marks. I discovered Unisa turned student loans over to a collection agency, XXXX XXXX XXXX. I was never informed in writing or verbally that my account would be placed into collections. 
I have contacted both companies several time with no prevail. As of XX/XX/XXXX Unisa has stopped sending statements. I am continuing monthy payments to date. I have also, filed disputes with XXXX, XXXX, and the XXXX XXXX XXXX. After researching XXXX XXXX XXXX, my discovery shows many complaints of unethical business practice and illegal collection practices. 
I have also attempted legal action but have not been successful in finding representation. I can provide documentation in my favor such as proof of payments, notes from conversations with all parties involved, my last statement sent from Unisa, proof of complaints on the XXXX XXXX XXXX site and XXXX investigation report which found in my favor. 
I am seeking help in resolving this issue. Please advise if your agency can be of assistance to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers and opt me out of your systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that isn't mine, and inquiries weren't authorized.