23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 Midland Credit Management sent me a letter stating that I owed {$110.00}. 

I believe that this amount is incorrect. I believe that I owe under {$100.00}. I sent a previous complaint to CFPB about XXXX XXXX, ID # XXXX.
Product: Checking or savings account

I opened a 360-performance savings account with Capital One in XX/XX/2023. Once I was approved and qualified I put {$10000.00} into that account. on XX/XX/XXXX Capital One took that money out of my account without any explanation. I look at my Capital One savings account on my app and it tells me that my money has been withdrawn, and I no longer have access to my account. I called Capital One to get some information and they sent me to a XXXX XXXX number to leave a voicemail. I left voicemails three times and no one has called me back. I went into a bank in XXXX, TX personally and received no help but that I should try calling that number again. My money is nowhere to be found and it is not in my personal bank which is XXXX. 
Capital One refuses to talk to me about my account. When I leave a voicemail it says somebody will get back to me within 48 hours and that has yet to be done and I have called them three times in a month ( XXXX, XXXX, and XXXX ) and no one has called me back.
Product: Payday loan, title loan, or personal loan

Made a online purchase using XXXX - the merchant has XXXX as a form a payment. After completing purchase I contacted the merchant to see when item will arrive. A few days had went buy with no response from the merchant. I went to the merchants website where I made purchase. The merchant website was no longer available. Over the course of a week I been trying to contact merchant. And see if the merchant website is visible it is not. I contacted XXXX XXXX to. Let them know the merchant is unreachable. And I would like my refund. Shop pay told me theres not enough evidence. To dispute my transaction and I need to contact the merchant. Theres no one to contact because the merchant store dont exists any more. I file a complaint with the federal trade commission and also will be filing a complaint with my states attorneys office as well. XXXX XXXX  is telling me to continue making payment on a item I never received and never will receive
Product: Student loan

I am a career XXXX XXXX XXXX for the past 28 years. I have XXXX  in XXXX XXXX XXXX XXXX, undeserved low socioeconomic  areas, my entire XXXX XXXX XXXX. I XXXX  for XXXX XXXX XXXX XXXX, for XXXX in LA, CA and now in a rural community called XXXX in XXXX. I originally took out my student loans in XXXX XXXX XXXXXXXX where I am from. I had many XXXX XXXX  and was given a XXXX XXXX in XXXX  XXXX to attend XXXX XXXX. After my XXXX I pursued a XXXX XXXX. From what I now understand XXXX XXXX XXXX  are XXXX percent forgiven for XXXX. All of my student loans were taken out in the mid XXXX and XXXX. I started college as an XXXX XXXX XXXX and I am not XXXX. These student loans were taken out in my youth as a college student. We did not have cell phones or computers then for me to be knowledgeable about my student loans and what was available to me as a XXXX  and public servant. In the XXXX and XXXX we were dependent on speaking to the loan services on the phone and we all know now that much disinformation was given to students regarding their loans during these times. I have researched my loans in the past and XXXX was the holder aka XXXX XXXX for many of my XXXX and XXXX  XXXX. I could never pay the student loan bill they would send me given I was a young new XXXX  in XXXX living and starting my career. I kept filing for deferment then forbearance. My interest with XXXX XXXX was over XXXX percent. Eventually the forbearances and deferments were exhausted and the Federal government solicited me to Consolidate my loans into a XXXX XXXX. I eventually fell into default on that direct loan. Please help and this is why ... .my original college education cost no more than XXXX especially given all the grants and XXXX XXXX I was given to go to college in my home state XXXX. I am now XXXX XXXX XXXX, close to retirement, have been a XXXX  XXXX  XXXX  since I was XXXX XXXX XXXX and my student loan debt is over XXXX My Education did not cost almost XXXX XXXX XXXX dollars at state and city colleges! This is gross negligence! Please contact me for my social security number and look it all up with my loan servicer. They have a record of all the loan holders and XXXX is On this list, as well as many other loan holders who now have been found in court to be liable for mispractice. 
Now my loans are with the federal government and they won't forgive my loans as a fulltime XXXX XXXX XXXX my entire working adult life. I deserve this outrageous XXXX loan to be wiped clean due to the extreme negligence of the misinformation I was told in my youth regarding my student loans and the high interest rate imposed on a teenager during those early days of my college education. XXXXXXXX XXXX pay starts low ... .and it's only over time does it increase however XXXX  have to have a great deal of education yet we are not paid what a private sector citizen is paid with our same education level. I need help in getting my student loans forgiven! Thank you! Please contact me for more information.
Product: Debt collection

I demand the credit bureaus promptly delete the late dates associated with the disputed items as their failure to verify inaccurate reporting is a blatant violation of the FCRA. Despite multiple attempts, the furnisher of information has neglected to provide any proof or response, further violating the FCRA. The credit bureaus must comply immediately to rectify this situation, or legal action will be pursued for their non-compliance with FCRA provisions. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Credit Acceptance : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

Experian continues to claim that XXXX XXXX XXXX and 3 other errenous creditors on my credit report have verified they are reporting accurate information. As the consumer/debotor I asked for the proof they provided to experian and was told they just were allowed to verify the false information they were already reporting. I asked for physical verification over 60 days from the direct creditor that they could not provide. me with any documentary proof. Moreover, I provided physical documentary proof that XXXX XXXX had my address for the account attached to a buisinesses XXXX XXXX XXXX. They removed the address and still claimed the XXXX XXXX verfied the reporting? That cant be true when the address attached to the credit account was removed by them for being incorrect. I expressly wrote to Experian to Cease and desist contacting these errenous creditors to dispute the debt on my behalf and they keep disputing it and allowing the verify false information, instead of adhering to the law based on my valdations requests under the FCRA Fair Debt Laws and remove these false reporting accounts.
Product: Credit reporting or other personal consumer reports

Would you please check the documents? FCRA 605B mandates the removal of any incorrect accounts from my credit report. Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting or other personal consumer reports

I sent Equifax a letter from a company reporting on my credit report on XX/XX/23 and on XX/XX/23 they closed the investigation stating that it remains accurate and will stay on my credit report. These people are not investigating anything. They are using a computer and giving generic replies. They have not sent me any documentation stating their findings. Attached please find my letter of proof which they requested. I ask for this to be deleted off of my report IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$250.00} under the account number XXXX, a collections account opened at XXXX on XX/XX/XXXX with a balance of {$680.00}, and an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am writing this information today in hopes that I would not encounter any issues like this again. This is already my XXXX  issue this year with the Chime Bank MOBILE CHECK DEPOSIT feature. Today, XX/XX/10, I attempted to deposit a {$51.00} check from the US DEPT OF TREASURY. Chime returned my check and said it could not be deposited and to NOT attempt it again. Well, there lies the problem because this is a MAJOR issue for me, as Chime Bank is my primary bank where I receive my money and pay my bills. Additionally, during the Mobile Check Deposit, while signing my check on the back, I was instructed to put the words FOR CHIME BANK ONLY. Luckily this did not hinder me from depositing into another bank, but very inconvenient to go through this again! ( Even though I was prepared due to the last check deposit issue in recent months ). But those words could have easily been an issue for any Non-CHIME bank. Please do better.
Product: Debt collection

We have been getting calls every day from Midland Credit Management. When we answer no one is there. The only reason I know it 's Midland is that I called back. We have NO debt, and have had no debt for over XXXX years. This is either an erroneous call or fraud but since no one answers when I pick up we ca n't even address that issue.
Product: Payday loan, title loan, personal loan, or advance loan

Called in to Rise on XX/XX/year> to close out this loan via payment. Their interest rate was so high and had been paying them for a long time that they offered for me to pay it off without the extra interest. 
They informed me that if I paid a certain amount, they would close the loan and list it as paid in full, and my loan term for this loan would be over. I verified to make sure the call was recorded and I was guaranteed that if I paid them, it would be marked as paid in full, and not report as settled for less with the credit bureaus. I would not pay off the loan that day if they reported anything other than paid in full, complete and closed as a positive on my reports. 
Rise customer care manager XXXX XXXX had me pay this on a recorded call @ XXXX on XX/XX/year> ; that this account would report paid in full, period. If it showed up in any other way to file a report to have it corrected. 
Now it is showing reported as settled for less than full and my credit took a hit. 

Rise lied to me to obtain payment and then reported to the bureaus in a way they said they would not and it hurt my score. 

This call was recorded and Rise needs to take action to correct this on my reports. It should be listed as paid in full and account closed and not show it was settled for anything less than the full amount as they guaranteed me on the phone call.
Product: Credit card or prepaid card

The comenity website is down. I am unable to log into my account or get the easypay option to pull up my account. There is no way to speak to a live person. The phone number plays a recording and hangs up. No payment option provided by this company is working. They have no way to even be contacted. Please assist me with a payment method.
Product: Debt collection

This is a follow up complaint to case # XXXX. On XXXX XXXX, 2016 I received by US Mail an offer of settlement from Medical Revenue Service dated XXXX XXXX, 2016, ( See Attachment ). As previously communicated I contacted MRS on XXXX/XXXX/16 at approximately XXXX requesting a settlement. It was communicated to me that no settlement was available on this account. I can not help but ask how in a matter of 24 hours or less a settlement became available on XXXX XXXX but none was available on XXXX XXXX. That being said, I must question the integrity and validity of any communication I have with Medical Revenue Service.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I paid my utility bill ( XXXX  XXXX XXXX ) via XXXX XXXX, which is a partner agent Choice Money Transfer. I paid a bill of {$250.00} and the agent gave me a receipt of the transaction. She also told me that her system was down that time and she will make the transaction as soon as possible. 
I followed up with her on next day but she said her system was still down. 
I went to the store again on XX/XX/XXXX and found the store was closed. She hanged a notice saying that her system was down and she will open the store on XX/XX/XXXX. But since then the store never opened and the bill was never paid to XXXX XXXX XXXX. I got the same bill again with past due. 
I called their wire transfer agency ( Choice Money Transfer ) but they told me that they are only refunding customer who sent money to others. They are not taking any responsibility for bill payment. 

Address of XXXX XXXX : XXXX XXXX XXXX, XXXX, NJ XXXX Address of Choice Money Transfer : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Phone :
Product: Payday loan, title loan, or personal loan

I applied for a personal loan on XXXX. I was approved for a lower amount. I did the online bank account verification process. On XXXX Upstart requested a bank statement from the last 30 days. Now I had already given the company online access to my bank account with all my transactions. And it is a common bank practice for bank statements to take a while to become available. My statements at XXXX are processed on the XXXX of the month. I sent Upstart screenshots of my bank transactions for 30 days, this was not sufficient. Then Upstart requested a complete personal bank statement showing income deposits from within the last 30 days. I then sent them the income deposits as requested, this was not sufficient. Upstart started to inquire about personal loans from XXXX deposited into my account. These loans were under my husbands name. Even though they stated in their emails that I only needed to submit the promissory notes only if my husband was a signer on my bank account, which he is not. I still sent them the promissory notes. My biggest complaint is Upstart claimed I had two personal loans deposited into my account on XXXX on from XXXX and one from XXXX XXXX. This was completely inaccurate, the only personal loan deposited into the account was from XXXX. I have an email where this is stated. I inquired about where are they getting their information about the loan from XXXX XXXX and I never received a straight answer. Once I challenged this second loan, they never brought it up again. For the next 10 days I sent every piece of information requested. On XX/XX/14 my loan was denied. Upstart stated I had another personal loan account opened since submitting my application. This is a complete lie. My credit report did not change in 10 days. All of the notices I received stated my loan was approved, not pre-approved. Upstart lied about items on my credit and deposits made into my bank account. I had a previous loan for $ XXXX with Upstart, my payment were on time and I paid the loan off early.
Product: Credit reporting

XXXX XXXX, 2015XXXX : Request for Investigation/ Debt Validation Request Re : XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX : Chief Compliance Officer : XXXX XXXX XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from your agency on my credit report. Experian Report Number : XXXX Dated : XXXX XXXX 2015. First and far most, I must advise you that, this same account was disputed numerous times, and never validated by the original creditor. ( XXXX XXXX ) Also enclosed for your review is correspondence, I received from XXXX XXXX, regarding this account. Dated : XXXX XXXX 2015. 

Since you now have acquired this inaccurate disputed account. I have never been notified by XXXX XXXX XXXX of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. I request an investigation for this re-inserted inaccurate account.
Product: Debt collection

I have been contacted by this number on several occasions regarding an XXXX XXXX XXXX bill that I owe. While I know the debt is legitimate and have all intentions of paying it off as soon as I can, I do n't think the caller should have the right to talk to someone so rude and disrespectful like they have been to me. When they call they ask for me by name and want to verify my address, I will ask them for their company name and they will not disclose it. The next time they called they did but did not state who they were or anything. When I asked who I was talking to and what company they were with, the lady got extremely rude with me and very argumentative. The person I talked with was XXXX XXXX. They talk very vague and almost come across as a scam. I will NOT be paying my debt thru them but I will pay it thru XXXX XXXX XXXX which is the original party to whom I am responsible for paying. Their debt collectors [ the rude company ] need to learn to show respect to their callers versus being rude and ugly to them.
Product: Credit reporting or other personal consumer reports

This grumbling to TRANSUNION was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it.

As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect.
Product: Debt collection

Subject : Re : Complaint Regarding Discrepancy in Debt Amount Dear Absolute Resolutions Investments , LLC ( ARI ), Thank you for your response to my complaint. However, your explanation does not resolve the core issues I raised. 

Reporting Accuracy : The {$0.00} discrepancy between the reported balance and the charge-off balance indicates an error. Regardless of the adjustment made by XXXX XXXX  the reported debt amount should be accurate and match the current balance. 

Regulatory Compliance : The collection entry must comply with federal regulations : 12 CFR 1006.34 : Requires accurate and complete debt disclosures.

15 USC 1692g ( b ) : Requires proper debt validation before collection activities.

15 USC 1681s-2 ( a ) : Mandates accurate reporting to credit agencies. 
Given the reporting discrepancy and potential regulatory non-compliance, I am requesting the immediate removal of the collection entry from my credit report. 

Please confirm the removal of this entry within the next 15 days. Failure to address this matter promptly will compel me to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies for further action. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received a notice this evening that Bank of America has chosen to close my credit card account. This account has a credit balance and has not had a balance in several months and I feel like this was an arbitrary decision. The creditor previously lowered my credit limit in the same fashion while I was on a promotional APR and made no attempts to contact me to verify my demographic information. Now they have adversely impacted my credit score by upping my utilization percentage after they have closed the card. This is unfair as I have given them no cause to close this account. My credit has improved since I was initially was approved for the card and my income has more than doubled as well. How is this a justifiable closure? Im good  enough to receive weekly emails about investing my money that they know I have, but not to keep my card with a credit balance open? How does this not constitute as them causing me financial injury with their arbitrary actions? I can only assume what the adverse action reasons are because they did not provide them in this notification. However, I would challenge them to prove whatever credit information they have at the current moment is any worse than when they approved me for the card initially.