23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The collection information below appeared on my credit for equipment I already turned in to XXXX XXXX XXXX. I received one letter from a Collection company called XXXX XXXX XXXX   who apparently turned this false information over to another  place called Amsher Collections. I called XXXX three times now about this, once when I first received the letter and a second time to follow up when they gave me their word they word take care of it. If I owed anything it would show up since I still have service with them. The initial claim was for supposed equipment they said I still had ; I move from one apartment to another in the same complex back in XX/XX/2020. I would not have been able to get and continue service with them if I owed them anything. All along they show I owe nothing equipment or otherwise. This is now on my Credit as a hard, derogatory mark ... and of course no one is in a hurry to correct this mistake!! It is wrong this can continue against my clean record at all credit bureaus and I am suffering the consequences!!! 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- COLLECTIONS {$160.00} Reported balance Check if you should dispute to remove incorrect information. 
AMSHERCOLLECTIONSERVICES {$160.00} Needs attention HIGH IMPACT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reviewing my credit report over the past few months beginning in XXXX, and I have noticed that Experian continues to ignore my request for a complete and accurate investigation after sending in several disputes. I have written to them several times due to inaccurate late payments that continue to show on my report which is defaming my character and stopping me from getting my first mortgage to purchase a home. I was never late with paying my creditor therefore I should not have a late payments on my report from XXXX and XXXX. After writing to them over the past few months I have not received XXXX response.
Product: Checking or savings account

I filed a complaint against Wells Fargo Bank 2-weeks ago -- -ID # XXXX and recieved a rubber-stamped form reply asking if their could be of service. The same day I recieved an email informing me that the matter was closed and the problem solved. That was not the case! I have not recieved any satisfaction or any representation that would solve or compensate my original complaint. please look into their account posting practices and charges for too many checks written on a money market account. Thank you, XXXX XXXX SS # XXXX CELL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to do a balance transfer. 

The rep said that we can use part of my credit limit on another Chase card. 

They did not disclose that this will show my credit card as 178 % of my limit. 

Now my credit score has dropped XXXX points and other companies are lowering my credit limit and raising interest rates.
Product: Credit card or prepaid card

Macy 's has been charging a " minimum interest charge '' of {$2.00} per month. This happens when I have paid the account in full as of the due date but have made a new charge which has n't become due yet. 

I know this practice was common many years ago and then it stopped. When it stopped, I assumed it had been outlawed. Either it was never outlawed or the laws have changed. 

None of my other credit cards do this. 

Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed this debt and it was not removed from all three credit bureau and it is damaging my life. The debt us from XXXX XXXX XXXX in the amount of {$100.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX I received from Capital One Bank a letter stating that my credit line dropped from {$50000.00} to {$20000.00}. I checked my credit history with XXXX and everything looks very good, no frauds, no mistakes. I called the bank to ask what happened and they told me I didn't spent enough even I use my card almost everyday. I am worried that my credit score will drop drastically for something that I worked hard all my life to be in very good shape. I don't think is fair if you are paying your balances in time, you don't have any loans, any debts, to go through this. Is this real standard procedure? In more than 20 years i never experienced something like this. Can you help?
Product: Credit reporting

This debt is my mine I wrote the credit reporting agency indication I am not aware of this debt to provide information pertaining to this debt came back verified how? when they have no such documents
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX Professional Debt Mediation Account : XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX To whom it may concern, I am writing in response to your letter dated XX/XX/2018, copy enclosed. 
On XX/XX/2018 I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in Kentucky. 
I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond fully to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XX/XX/XXXX. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX XXXX 

XXXX XXXX
Product: Debt collection

I am filing this complaint because the debt buyer MIDLAND CREDIT MANAGEMENT INC is coercing the payment of an alleged debt by issuing warning to sue over an alleged debt that has not been validated as of XX/XX/2024. I have not received enough information regarding the alleged debt. Coerce- persuade ( an unwilling person ) to do something by using force or threats. 
" They were coerced into silence '' persuade obtain ( something ) by using force or threats. 
" Their confessions were allegedly coerced by torture ''. The company violated my rights under the FDCPA per 15 USC 1692d ( 2 ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Section 1692d ( 1 ) ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person, 15 USC 1692 ( 4 ) ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action, 1692e ( 10 ) ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. This company has me on legal track as if they are counting down in an attempt to pressure me to pay an unvalidated debt. I want to highlight per 15 USC 1692i ( b ) legal action by debt collectors ( b ) Authorization of actions " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. ''
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accondance with the fair credit reporting act the list of accounts below has been viotated my federally protected consumer right to privacy and cinfidentiaty under 15usc 168115 U.S.C. 1681 section 602 A states that individuals have the right to privacy. The Fair Credit Reporting Act ( FCRA ) governs access to consumer credit report records and promotes accuracy, fairness, and privacy of personal information. 15 U.S.C 1681 Section 604 A Section 2 : 15 U.S.C. 1681 Section 604 A Section 2 states that consumer reporting agencies ( CRAs ) can not furnish a consumer report without the consumer 's written instructions.

The Fair Credit Reporting Act ( FCRA ) requires that CRAs adopt procedures that are fair and equitable to consumers. The FCRA also requires that CRAs provide notice to users of consumer reports of their legal obligations.

The FCRA states that inaccurate credit reports can impair the efficiency of the banking system. Unfair credit reporting methods can undermine public confidence, which is essential to the banking systeI And item repreat by more then seven years XXXX XXXX XXXX XXXX account number XXXX last acitivty date is inaccuate XXXX XXXX XXXX XXXX XXXXXXXX remarks are inaccuate XXXX XXXX XXXX court is inaccuate show up on two of the credit reporting but the thrid XXXX XXXXXXXX XXXX XXXX the amount due is wrong And the rest are either showing up on one and not the other This has really put stop on me getting a houses or car I need and you can see all the inaccurates on my report
Product: Debt collection

Trident Asset Management is furnishing inaccurate, and unverifiable information to the consumer reporting agencies. Trident is reporting different account activity dates to each agency. Trident is reporting different account status dates to each agency, they report closed to one and open to another agency. Trident is reporting multiple address for their company in an attempt to deceive the consumer and make them unreachable. Trident is not reporting that this debt is in dispute by the consumer to Equifax. Trident is derelict in their duty as a data furnisher. They knowingly or should know that the information is inaccurate. They have never received written instruction from me giving them permission to furnish a consumer report as it relates to me. Trident has never replied to the Notice of Debt Validation which they received from me. Trident Asset Management is engaging in fraudulent and deceptive means in an attempt to collect a disputed debt.
Product: Checking or savings account

Waiting for my direct deposit for over 48hrs and all im getting is that theres a technical issue and there working on it
Product: Debt collection

I have received information regarding a debt that is being claimed against me. 

HELVEY AND ASSOCIATES Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify this debt I need you to provide the following : - THE ORIGINAL SIGNED CONTRACT BETWEEN ME AND THE ORIGINAL CREDITOR - FULL PAYMENT HISTORY OF THE ACCOUNT. 

- PROOF THAT YOU OWN OR HAS BEEN ASSIGNED OR HAVE AUTHORITIES TO COLLECT THIS DEBT. 

- LICENSE THAT SHOWS YOU CAN COLLECT IN NORTH CAROLINA. 

After receiving such information I will review and respond within the 30-day period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, Under 15 U.S. Code 1692c I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I appreciate your efforts in this matter and look forward to your response. 

Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}
Product: Debt collection

Ad Astra collection agency did not sent me a collection letter for a chance to dispute this. This isn't being fair to me for them to just go ahead & place this on my credit file without giving me a right to dispute it. They will just come back and say they don't have to send me a collection letter. Yes they do I know my rights that they have to first notify me & they didn't! Or they will pull this trick saying they can't find me.
Product: Checking or savings account

I filed a dispute exactly how I was instructed to and followed normal procedure for ATM funds not being dispensed. Per Reg E 10 business days after my dispute was received I was to get a provisional credit. 10 business days later they refuse to give me my provisional credit and refuse to move on with my claim until I contact the ATM owner and provide written documentation from them. They.wont return my call. So now I have to do their work too? Now my bank won't respond to me and dismisses my attempts to discuss my claim and give me my money.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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
Product: Student loan

I have ( XXXX ) Direct Loans serviced through Mohela that are all enrolled in the XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I have received XXXX communication ( email, phone, or mail ) regarding the court actions preventing the XXXX plan from operating or on the interest-free " Forbearance '' that has NOT been applied to my account. According to the Department of Education 's announcement : " Borrowers enrolled in the XXXX XXXX are being moved into forbearance. During forbearance, XXXX borrowers will not have to make payments. The time in forbearance will not count toward XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX loan forgiveness. XXXX borrowers will not accrue interest on their loans during the forbearance. XXXX borrowers will be notified about their forbearance by their loan servicers. '' I have not been notified of the forbearnce, interest is accruing, and upon contacting the XXXX XXXX XXXX XXXX, I have received XXXX direct guidance / insight on next steps or how to resolve this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. I asked again to fix the inaccuracies on XX/XX/XXXX, and you still failed to fix the inaccuracies. So, now after asking you to fix the inaccurate and fraudulent data on my credit report 3 times, it is still showing up inaccurately. You are showing that this account was charged off every single month from XX/XX/XXXX to XX/XX/XXXX. Obviously accounts can not be charged off 7 times. This is intentionally fraudulent and re-aging my account. This is highly injurious to my credit, it undermines the faith in the credit reporting system, is illegal, and against the FCRA statutes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Credit card or prepaid card

To whom it may concern ; i have sent a complaint before concerning Navy Federal Credit Card. I have been an authorized user on user of my mother 's Navy Federal credit card since XXXX to present. I was diagnosed with XXXX in XXXX and most recently over XXXX to XXXX I went to stay with a friend, who was informed was thrown out of her home, we went to stay with her sister, in which also didn't work for her. I had not known that my credit card was stolen out of my purse without my consent and I avoided my mom, bc she didn't know I had XXXX. i believe I was taken full advantage of due to my illness. I was taking medications prescribed to me by physician which left me sleepy and mentally drained. This has caused a huge problem with my mom who was not aware of the transactions. My grandmother passed in XXXX of this year, after the homegoing services, we had a family meeting with lots of cousins in which my mother inquired with many of whom the culprit was reference the gas, the food, the coupons, and some purchases from XXXX. 

Since my mother has called the police and ppr ivied them to the charges and nothing has happened. I was an authorized user and this is getting out of hand due to the theft of the card. The phone number of XXXX XXXX XXXX does not ring and XXXX is full XXXX this is the second complaint and my mother had cut up my card in pure disgust. 

I would like to know if I may get assistance with this matter. 

warm Regards
Product: Debt collection

I sent a validation letter to Merchants Adjustment Service on XX/XX/2018 and they did not verify the debt. Merchant Adjustment Service sent me the letter as verification of debt, which is not valid.
Product: Debt collection

I FOUND AN ACCOUNT ON MY CREDIT REPORT FOR {$2800.00} WITH XXXX XXXX XXXX. I CALLED THEM AND THEY DONT HAVE THE DEBT AT ALL BUT IS STILL REPORTING TO MY CBR. I TALKED TO A LADY NAMED XXXX WHO WORKS FOR XXXX XXXX WHO SUPPOSEDLY HAS THE DEBT. SHE GAVE ME THE NUMBER FOR XXXX XXXX WHO ACTUALLY NOW HAS THE DEBT. THE DEBT IS FROM XX/XX/2013 WITH 5 YRS INTEREST ON IT. THE REP I TALKED TO HAD NO IDEA WHAT THE PRINCIPLE BALANCE WAS ON THE ACCOUNT AND OFFERED ME A DISCOUNT OF 50 %. I REFUSED BECAUSE I KNOW THE ORIG BILL WAS NOWHERE NEAR THAT HIGH. SHE THEN SAID SHE COULD GET IT DOWN TO XXXX SPLIT IN 2 PAYMENTS. THIS IS DAMAGING TO MY CREDIT AND NEEDS TO BE REMOVED AS THE INFO IS INACCURATE AND THEY CANT EVEN VERIFY THE ORIGIONAL BALANCE AND ANOTHER COMPANY IS ACTUALLY REPORTING IT.