23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not have a contract with MEDERIAN FINANCIAL SERVICES nor do I owe them any debt. I mailed in a proof of debt validation/proof as to how I owe them the alleged debt, Including the original contract and more, which they could not prove nor provide instead they avoided my request and updated it with the credit reporting agencies as verified without proof. I will not accept any billing statements or account summaries because those are not the correct requirements for proof of debt validation. No Proper documents including the original contract and how this debt exists were provided. 

MERIDIAN FINANCIAL does not have any legal license to collect in the state of Georgia which they are illegally trying to do, as well as trying to extort me for an extension of credit, which they brought elsewhere. They are also using my non-public information without my consent and authorization fraudulently reporting false I nformation. This collection agency has violated my rights as a consumer and needs to be held accountable. I do not know how much they bought the debt for nor is it my responsibility. Meridian Financial Services made their own decision and I will not allow them to profit from me through their illegal activities. I want to account to be deleted from my consumer file because its causing a lot of financial trouble including denial of credit.
Product: Student loan

My student loan with XXXX XXXX was sold to XXXX XXXX XXXX in XXXX of XXXX. At that time, my student loan payment was {$370.00}. I have made almost all my payments on time ( with an exception after my house caught fire and another where I had an unexpected medical expense ) and frequently larger amounts than have been requested, but my variable interest rate continues to rise and so does my payment amount. I spoke with someone today on XXXX at XXXX XXXX  and asked how I could lower my payments. She told me one way to lower it XXXX XXXX, but said that every three months, my rate would continue to increase. 

This didn't seem correct to me ; I've had a variable interest rate on my student loans since XXXX of XXXX and XXXX XXXX had lowered it before when the market was good. I know the market is bad now, but she distinctly said that it would raise every three months. I sought advice from my parents, who told me to request a Terms of Service from them. I called back at XXXX XXXX  and spoke to another person who said that my rate was actually adjusted monthly. She also said very clearly that variable rates do not go down and that it would continue to rise until I hit my maximum interest rate of 18 %. 

I understand that if I had signed a contract with this company saying that, I would be at fault, but I did not. My original loan that I signed a contract for was with XXXX XXXX and my loan back then was clearly variable and amounts went up and down. I'm highly concerned about this, as I don't work in a very high paying role ( I work for a non-profit ) and if my loan will keep slowly marching to an 18 % interest rate even when I'm paying over what I owe, I won't be able to survive. I'm paying {$550.00} a month right now, which is a huge strain on me. It's a variable rate and should be able to decrease, I just need them to reassure me of that and they tell me that it won't. For the record, in XXXX of XXXX, I was paying {$370.00} ( or about 8.36 % of my annual pay ) and I'm now paying {$510.00} ( or around 11.21 % of my annual pay ).
Product: Debt collection

I was asked to pay for a debt by Chase Cardmember Services. They never gave me money for the debt they are trying to collect on. There is no first hand knowledge of anyone within the company witnessing this money being given to me. They have harassed me with phone calls, destroyed my credit, by reported false negative claims to the credit reporting agencies. On XX/XX/XXXX, they sent me a letter that they must receive payment of {$610.00} or else the account will be charged off as a bad debt. I received a notice dated XX/XX/XXXX that they sent this to XXXX XXXX , XXXX to try and collect this debt saying I owe {$2400.00}. I then received a letter from XXXX, that they are now trying to collect on this and that letter was dated XX/XX/XXXX. I then sent a response letter, certified mail with a response to stop and with questions to be answered. I never received anything back regarding this and they are continuing month after month reporting negative claims to all credit reporting agencies damaging my credit more and more. I called them today XX/XX/XXXX to try and settle this dispute but they would not settle and did not offer me a resolution.
Product: Debt collection

i had already been found not liable for this phone i explained to them that someone else used my information to obtain a phone
Product: Bank account or service

I am currently using Skylight Financial as a direct deposit/checking account, through my employer XXXX XXXX ''. I need to rent a car why my car is under repairs. I found that Skylight tacks on an additional 15 % of blocked fees when the car rental agency places a hold for the rental. XXXX states very clearly how much they are holding, but skylight adds 15 % and states its a federal law they must abide. I can not find any federal law that requires banks to increase holds on car rental fees. I have made over a dozen attempts to communicate to my bank that I believe this to be a unlawful activity, but they refuse to work with me or correct the behavior. If they are doing this to me, how many other innocent people are going through the same act? This could not possibly be a legal or moral act of a bank to perform harsh '' er '' penalties to a customer just trying to get transportation to work and other crucial commuter needs-its just plain cruel!
Product: Debt collection

You are in violation of Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) as well as Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulatory protections to consumers, as you are collecting on a debt that is invalid/fraud, used abusive and harassing collection tactics during a phone interaction, and incorrectly reporting a collection account that I have no knowledge of due to it being invalid/fraud as well as never having permission to use my personal private nonpublic information to open said account. 
I noticed on my credit report that you are incorrectly reporting a delinquent account with the original creditor for XXXX XXXX. Concerned I contact you all via phone on XX/XX/2023, I was informed through abusive/harassment tactics by a representative that I was delinquent for a light bill in the amount of {$1400.00}. I requested for the service address and was given XXXX XXXX XXXX XXXX, TX XXXX. I advised this is fraud as I have lived at my current address since XX/XX/2023. I have never lived in or even visited XXXX Texas. The representative requested my current address so I could obtain a current bill and file a police report. Not feeling comfortable I advised I would not give this information. Through out this interaction he continued to intimate and coerce me into giving current information. 
I highly encourage you all to listen to the call interaction that I am most certain was recorded because the representative is your company and you all have attempted to collect a debt that is unfair, fraudulent, and false. Transworld System Inc has used abusive tactics to intimidate, coerce, and force me to give a current address to send a bill so I could file a police report for fraud. The representative made a comment of How will I file a police report if I didnt have a statement. This statement is a form of coercion, intimidation and constitutes abusive acts/practices. He wanted me to give current information and made this statement to mislead, tricked, coerced, and intimidated into giving my current address by continuously requesting current information. 
You are also violating FCRA as Transworld System Inc is furnishing/reporting incorrect and false information to my consumer reporting agencies. I demand an investigation of this dispute regarding this information that is being furnished to my tradeline and notify me of your findings. Transworld System IncXXXX XXXX did not have my permission to open this account in my name with my personal private nonpublic information to include my date of birth and social security number. 
You are also in violation of the XXXX regulatory protections as your incorrect/false/fraudulent reporting on this account has caused financial harm to my credit tradeline by impeding me in obtain favorable credit reporting and credit approval with other creditors. This negative reporting has significantly dropped my credit report and I demand it be immediately removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got hold of my information and opened up some accounts. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX and now in Delinquent and charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a membership with Experian. I also have items on my Experian credit report which are inaccurate. I have spoken with representatives on several occasions over the past 6-18 months regarding my inability to initiate disputes online, if so, then very rarely. ( I am constantly getting an error and a notice instructing me to mail in my dispute ). 

Experian has not returned my calls, the representatives have not assisted me other than to transfer me to multiple departments. Nothing has been done to fix this issue for me. 

I feel as though they are charging me services I do not have access to, OR, they are making a fundamental service available to everyone else, but unavailable to me. I feel that the company is taking advantage of me and ignoring me.
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 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 .

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

Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern : I am disputing the accuracy of an account on my credit report. Please investigate and correct or remove the information if it can not be verified.

Account Information Creditor/Collection Agency : Contract Callers Reason for Dispute The account contains the following inaccuracies : Incorrect Balance : The reported balance and terms Ownership and Authorization : No documentation has been provided to prove that Contract Callers has the legal right to collect or report this debt.

Incomplete Reporting : Payment history and account details are missing or inconsistent, making the report inaccurate. The balance went from {$97.00} to {$580.00} Requested Verificatio
n Please provide : A copy of the original signed agreement outlining the terms of the account.

A detailed accounting of charges, payments, and fees. 
Proof that Contract Callers owns the debt and is authorized to report it. 
If this information can not be verified, I request that the account be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX In lieu of speaking with my Loan XXXX, he made me aware that XXXX o accounts on my credit report was not updated. This has made my home purchasing situation more diffucult than it should be. I have made several attempts to get this revolved but I have not recevided the corrective actions necessary to my accounts as of yet. I have the credit card statement attached and requesting an immediate update to my credit card balance for XXXX XXXX. Currently it is should I owe more then XXXX XXXX of the credit limit. The documentation provided will show a better reflection of the balance than the update from XX/XX/2022. 

I have the credit statement directly from XXXX sent from a representative to update my credit card balance for XXXX. 

Account XXXX : XXXX XXXX : Account balance not updated. 
Resolve : Update to XXXX credit card statement balance ( attached ) Please investigate this matter and contact the nationwide credit bureaus to have them update the disputed item as soon as possible.
Product: Debt collection

This company is trying to collect {$160.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting or other personal consumer reports

I am now using this platform to enforce my privacy rights of my nonpublic personal information as CFPB is the enforcement authority for the Fair Credit Reporting Act. 

I have sent WELLS FARGO an OPT OUT notice to protect my private nonpublic personal information which is aligned with 16 CFR 313.1. As a federally protected consumer per the FCRA I am requesting again to enforce my rights per 15 USC 6802 TO OPT OUT of sharing my nonpublic personal information not be disclosed to nonaffiliated third parties such as XXXX, XXXX AND XXXX WELLS FARGO is in violation of the Privacy Act of 1974 as they have already received in writing notification and instruction from the consumer, me on how to exercise and share my non public personal information. 

Per 16 313.15 Other exceptions to notice and opt out requirements.

( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Per 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Per 15 U.S. Code 1681a ( 2 ) the term consumer report does not include ( i ) report containing information solely as to transactions Take this as my consent as a federally protected consumer : I ENVOKE MY RIGHT TO EXERCISE MY WRITTEN INSTRUCTION TO REMOVE SOLE TRANSACTION HISTORY AND MY NONPUBLIC PERSONAL INFORMATION FROM SAID nonaffiliated third parties such as XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account opened XX/XX/2021, Amount {$600.00}, Account improperly reported on my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX/DEPT OF ED # XXXX XXXX  # XXXX Closed Accounts : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XX/XX/2022 EQ 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), balance is {$350.00}, and account # XXXX.
Product: Checking or savings account

My capital one 360 checking account got restricted on XX/XX/2023 when I was trying to make withdrawals, I called Capital one bank and I was told my account has been frozen and therefore theyre going to conduct an internal review on the account before they could send me a check of my good funds since theyre going to close the account Ive been trying to get my check for the funds in the account for my bills but Capital one is not going to get me the check any time soon, and I think thats an irregular and irresponsible way to treat a customer because theyre keeping my money for over 6 months
Product: Credit reporting, credit repair services, or other personal consumer reports

Opportunity to cure LEGAL CONSTRUCTIVE CONSUMER FRAUD EXPOSED The FTCs Bureau of Consumer Protection stop unfair, deceptive, and fraudulent business practices by collecting reports from natural person consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating natural persons consumers and business about their rights and responsibilities. Consumers Fraud is a deliberate misrepresentation on which a banking business intends for natural person consumers to rely. Consumer fraud is a form of misrepresentation committed by beneficiary seller banks or financial institutions against a buyer or a group of buyers that are natural person investment companies to whom a banking business deliberately misrepresented any Social Security Number card thing with the intent that a natural ( fool ) person consumer will rely on the misrepresentation that a SSN is used for identity verification purposes, resulting in harm or loss to par value, at least to some natural person consumer who believes so. Consumer fraud is barred by statute and, unlike common-law fraud of agency undisclosed principal doctrine, in most jurisdictions is complete at the time of a deliberate misrepresentation of a SSN as identity or the commission of a deceitful and fraudulent practice. An action against a banking corporation or financial institution for consumer fraud does not require PROOF of reliance on the misrepresentation by or deception of a natural person consumer. Consumer fraud committed by a beneficiary seller Bank of collateral securities, such as bills or notes belonging to a natural person consumer, involved with interstate commerce is regulated by the Federal Trade Commission , Bureau of Consumer Protection that is authorized to stop fraudulent practices against SSN card holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXBalance {$1400.00} XXXX XXXXBalance {$1200.00}
Product: Credit card

XXXXXXXX XXXX XXXX  Was charged late fees and interest charges never received a statement. 
Requesed a statement of all changes and payments never got it
Product: Mortgage

I went to the Quicken Loans website to see what refinance rates looked like. In order to get the information I wanted, I had to enter contact information. As soon as I entered it, my phone rang with someone from Quicken who asked what I wanted to do. I told him that I was interested in refinancing my home mortgage. He said someone else would call me. The second person called and asked me what I wanted to do. I told her, and she said that if I hurried up and gave her my application information, she could get it to her underwriter as she had a meeting with this person in one hour. I completed the application and uploaded pay stubs and bank statements to her. She also ran a credit report. She called me an hour later and said that I had been approved for a loan, and that she thought that a XXXX arm would be the best for me. ( steering ). She did not discuss any other loan options. She offered me a XXXX arm with no closing costs. She said that I had to pay for an appraisal. I said that I did n't think that was a great deal as I already had a 4.5 % 30 year conventional. She was very aggressive, and I was at work and had other things to do, so I said OK and paid for the appraisal with my credit card. The next morning, I emailed her and stated that for a savings of XXXX basis points, it was not worth it, and I wanted to withdraw the application. She responded with an email that said, " What did I do wrong? '' I told her nothing, I just changed my mind and was going to start looking for a new house, and I did not want to refinance. I asked her to refund my appraisal fee. Later that day someone else called me to work on my loan! I told him that I had withdrawn and wanted a refund of my appraisal fee. He said that a third person would be calling me to discuss that. Keep in mind, I did not receive a good faith estimate, nor had I signed an intent to proceed. The third person called while I was at work and in a meeting. I told him that I would call him back. When I did, I got his voice mail and left him a message that I had withdrawn my loan application and wanted a refund of my appraisal fee for an appraisal that never happened. That evening the original person that I talked to emailed me and asked if I was still interested in moving forward with the application! I responded again that no, I was withdrawing. The next day a fourth person called! We have been playing phone tag, but I basically told him that I would be filing a complaint with the CFPB. No response. Today, I received notice that Quicken could not help me with my loan application because of incomplete information. Not true - I had been trying to withdraw for a week. Regulation B violation. I asked today for the name of their Chief Compliance Officer and was told that they did n't know who that was, but that this fourth person would be calling me again. I tried calling him and got his voice mail. I am banker with 30 years experience in internal audit and regulatory compliance, and have never in my life seen so many regulations violated in XXXX transaction. I am furious. Can you help me?
Product: Credit reporting or other personal consumer reports

XXXX XXXX CO HAVE A FRAUD COLLECTION ACCOUNT OPENED UNDER MY NAME THAT INACCURATE. 

THIS FRAUD COLLECTION SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

I AM NOT RESPONSIBLE FOR THIS INACCURATE FRAUD COLLECTION ACCOUNT FROM XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX WHICH HAVE A FRAUD BALANCE OF {$410.00} DELETE THIS INACCURATE FRAUD ACCOUNT FROM MY CREDIT REPORT.