23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I receive many phone calls from Midland Credit Management agents. They never stopped harnessing me to pay them a debt I don't owe. They never stopped harnessing even my wife through her phone. I sent them two debt validation letters to inform them clearly that I do not own that debt. I requested them to stop contacting me, but they ignored all of that. I did not receive any information about that purported debt. I feel it is becoming like a nightmare. Last week, I received a threatening mail signed by their division manager XXXX XXXX, to inform me that if I did not pay them, will hire an attorney in my state to sue me and put a lien against my property. Garnish my wages and bank accounts. They threatened me that they are willing to obtain information about my assets by a subpoena to appear in court. Please help me end this nightmare of threats, it is the worst violation of the Fair Debt Collection Practices Act ( FDCPA ), and I want this to stop immediately.
Product: Debt collection

Have been attempting to contact NCS for 2 years ( XXXX ) regarding the collection on my reports. It is a high amount and I do not owe money to the previous company. I requested multiple times for verification and the company only sends me a new bill with a new dollar amount owed. My recent request for verified contract and signatures, they sent me a new bill of {$2800.00} instead of {$4300.00}. This account is causing me financial distress and can not get a home loan until it is properly removed. I do not owe this company or the previous owner money. There was no contract and no evidence of ownership. Attached below is letters requesting ownership and proof of collection. NCS was sued in XXXX  due to not providing proper information or amounts to clients struggling with their company for FCRA requirements.
Product: Debt collection

I previously filed a complaint against this company due to poor customer service and they tried to collect on a debt that XXXX had no record of. The company responded and agreed to close the account delete it from my credit report. Last week i got notification that they are reporting on my credit again. I called on XX/XX/XXXX and spoke with a XXXX XXXX who acknowledged that the account was closed however stated that a manager needs to review the account and call back. I informed her that I will hold on however she started getting an attitude and was extremely rude. Terrible customer service. I called back on XX/XX/XXXX since I did not get a call back from the manager and spoke with a XXXX who stated that a manager, XXXX XXXX, will call me back. Once again i did not receive a call back. This has been reporting inaccurately on my credit and is damaging my credit score. This company has sent me a closure letter agreeing to delete the account from my credit report and they are inappropriately reporting the same account again. The representatives refuse to speak with me and management does not return my phone calls. Every telephone communication with this company, aside from XXXX, has been horrible and they all have terrible customer service. If this remains on my credit report i will be forced to press charges for violation of the FDCPA.
Product: Checking or savings account

On Friday XX/XX/XXXX I made a deposit of {$120.00} with my ATM card at XXXX 20 minutes later in Pennsylvania there was an ATM withdrawal from my account I filed a complaint they told me I had to wait until I posted I had to wait until Sunday to file the dispute they did not put the money back into my account they refused to do so and they said that I have to wait until the XXXX if they come up with an answer to the investigation I am the victim they're treating me like a criminals back into my account according to the Visa liability they do not protect their consumers they make me feel like a criminals as if I did something wrong .. money was stolen from me I don't care if it's XXXX XXXX XXXX XXXX XXXX it's my money I shouldn't have to fight to get it back when clearly they shouldn't of let it happen to me they dropped the ball somehow and they aren't doing anything to fix it or even apologize for letting this happen instead they tell me I have to wait until the XXXXXXXX XXXX XXXX to " maybe receive " temporary " refund until they investigate and it may take up until XXXX XXXX sent receipts showing that I made the depositl in New Jersey with my debit card and the withdrawal was done in Pennsylvania without my debit card so clearly somebody got my information somehow and are doing it digitally it's probably somebody's from the company they will give me no answers only headaches from there incompetent rebuttal reading so called customer service members
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similiar practices, where transactioins settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX Account number XXXX OPENED XX/XX/XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMEBER XXXX ... OPENED XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. I have also filed a complaint with the CFPB Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN # XXXX DATE OF BIRTH XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax reinserted accounts that had been deleted and did not follow 1681 ( a ) ( 5 ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be XXXXnvestigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( 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 XXXX 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 the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

My grandmother got her account remotely accessed and her money was transferred on Zelle not by her authorization she was under the impression that a bank employee was helping keep potential scammers out of said account. We contacted the bank on XXXX XXXX. On XX/XX/XXXX they denied it because they filed it as a scam instead of fraud. I just want her money returned to her as it was unauthorized and the bank wont do anything and make it seem like its her own fault that her account was accessed. They closed the checking account and were waiting to hear from them. XXXX XXXX XXXX is the people Makin it seem like its her own problem
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently check my credit from XXXX and I notice a few fraudulent accounts on my credit report. I don't normal check my credit but I was at shocked when I saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, I believe I was affected by the Equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and I was told to get an FTC report.
Product: Mortgage

Purchased modular home in 2000. I was in my twenties at the time and agreed to an extremely high interest rate in hopes of refinancing later. Couldn't find anyone to refinance a modular home. Original loan amount was {$53000.00}. 20 years later my balance is {$42000.00}. Last months payment of {$670.00} ( which included an extra {$50.00} ) was divided {$150.00} towards principal and {$360.00} towards interest. My land which is not financed is also collateral. The company constantly harasses me even when my payments are on time or agreements have been made and kept, calling multiple times a day. I have tried speaking to them about options to reduce interest and they talk over my head trying to confuse me until I give up. At this point in the loan, I should be seeing more towards principal. Even if I continue to make regular payments of {$620.00} for the remainder of the 10 years of loan ( 120 months ) this would amount to {$75000.00} when I owe a balance of {$42000.00}. A difference of {$33000.00}. It isn't adding up and I am unable to get the answers I need.
Product: Debt collection

Be advised this is not a refusal to pay, but a noticed that pursuant to the fair debt collection offices act, XXXX XXXX XXXXXXXX stating your claim is disputed and validation is requested. 

This is not a request for verification or proof of mailing address but a request for Validation made pursuant to the above name title and section I respectfully request your office provides me with a competent evidence that I am legally obligated to pay. 
At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus XXXX XXXX XXXX or XXXX this action may constitute fraud under both federal and state laws. 


If any negative remark is found on my credit reports by your company or the company that you represent. I will not hesitate in bringing legal action against you and your client for the following : Violation of Fair credit reporting act : Violation of Fair debt collection practices and defamation character. 

If your offices are able to provide proper documentation as this request and the following declaration, I will require at least XXXX days to investigate this information during the time all collection activity must cease and desist. Also, during this validation, If any action is taken which is considered detrimental to any of my credit reports I will consult with my legal counsel for suit. This includes any listings of any information to the credit report repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within XXXX  days from the date of your receipt all references to this account must be deleted and completely removed from my credit file and a copy of such solution request shall be sent to me immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX took from my account XXXX fraud. I deactivated my account and was still receiving their emails. Accidentally I clicked on it and automatically deactivated it. I tried being as understanding with them and I find it very incorrect on how they work. Today XX/XX/2021 I still get their leads although my account is deactivated meaning if I do the same accidently they will charge me again. I never worked or will ever work with this company. They are very illegal going into my account and taking money for no reason. I have attached proof.
Product: Money transfer, virtual currency, or money service

RE : Case XXXX I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. 
I have previously requested a review/appeal of my case which was denied, my business is in USA, but I'm currently living in XXXX. 
Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for more than 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on Wednesday morning, XX/XX/2021 if I am not satisfied with PayPals response to this request to release my funds : ( agencies in the states that I reside or have a business presence in ) The California Office of the Attorney General http : //ag.ca.gov/contact/complaint_form.php? cmplt=CL The Washington State Office of the Attorney General https : //fortress.wa.gov/atg/formhandler/ago/ComplaintForm.aspx The Florida Office of the Attorney General XXXX XXXX XXXX The Arizona Office of the Attorney General http : XXXX Additionally : The United States Federal Reserve http : //www.federalreserveconsumerhelp.gov/complaintinfo.cfm? info=1 ( I understand that PayPal does not operate as a bank which is precisely why they may be interested in such complaints ) XXXX XXXX XXXX XXXX : XXXX : XXXX All complaints will be filed online Wednesday morning XX/XX/2021 and written copies will also be sent via certified postal mail. 
I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a very low chargeback rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for more than 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. The two emails I got from PayPal, on the attached files, talked about a **Select Funds release** option after the 180 days, but after all the messages I sent to the customer support asking were is this feature and how can I release my funds? No answer, just automated responses. 
Please be aware that replying with the standard this is part of the terms of service that you agreed to will not satisfy my request, or deter me from filing my complaints with the agencies listed above on the morning of Wednesday XX/XX/XXXX. It will be up to those agencies to determine if PayPal is operating within the law, abusing power, etc. I am simply seeking a resolution that is fair and in the best interest of both parties. 
Thank you for your time again in looking into this matter. 
My email linked to my PayPal is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccuracies related to the account listed below : Account Name : XXXX  Account Number : XXXX I strongly believe this information is incorrect and unfairly impacting my credit score. 

I respectfully request that this account be reinvestigated for accuracy. The inconsistencies are affecting my financial opportunities and costing me thousands of dollars in interest. Additionally, not all credit bureaus are reporting the same status for this account, which further indicates potential inaccuracies. 

As a fair resolution, I request that this account be corrected to accurately reflect my payment history. If the account can not be verified within the required timeline under the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report. 

I am attaching supporting documentation for your review, including the credit report entry and other relevant evidence. Please investigate this matter thoroughly to ensure compliance with 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ).

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

You get flooded with emails every day I can imagine. I used to work for XXXX XXXX and I always respected Amex as a head of the curve. I remember when XXXX XXXX was dipping its XXXX  in XXXX XXXX ( 10 years ago ) and you all were with XXXX XXXX things. 

I am writing to you today because I had major fraud charges against my account and provided ample evidence showing such and they seem to just not care. It's rare I look up an executive at a major firm to write an email like this. 

I don't want to make a long story short but basically, I got in a major accident in XXXX and had to have XXXXXXXX XXXX XXXX XXXX. The hospital in XXXX took my credit card and charged it to beyond $ XXXX. I would be okay with that except for the fact they promised to only charge {$5000.00} on it. Now here is where things get interesting : After they charged me the amount of money they did : In the emergency room they told me that it was going to be {$5000.00} to operate and keep me XXXX. I agreed and gave them my credit card and went into that XXXX that XXXX. I stayed in the hospital XXXX  and when I awoke out of XXXX the next day I had to get to an airplane to get back to the united states. 
Now they gave my credit card and items back out of XXXX. 
When I checked the American Express Bill I had 3 charges : - {$1900.00} - {$6500.00} - {$1300.00} Totaling : {$9700.00} Now I have proof I sent in they also billed the Insurance Company for XXXX 

They are double dipping. Getting my credit card charges of {$9700.00} + XXXX So when I disputed it they keep siding with the Hospital in XXXX, XXXX. When I keep providing proof to the disputes team they keep saying the charges are justified. They are literally running away with both more money then they should but also over charging me in the first place. 

I placed a response with CPBF and working at XXXX XXXX I know that can help. But the team was smart enough to say we are still investigating, even though they closed out some of the disputes. 

What I am trying to get at is they fraudulently charged my card, billed my insurance a different amount, and Amex Disputes team is ignoring the fact they are double dipping both my insurance and the Amex card. This is just purely not right. I don't look for C-level emails but once and a while you hear about a C-level actually going there is something wrong here. A hospital took his card, charged him without his consent, billed his insurance to get additional money, and the disputes team wants to take the easy way out and not deal with it. 

It's been a nightmare of a scenario especially because I had to have the entire XXXX redone from XXXX because of how bad they messed things up. But for some reason the Disputes team just refuses to take the facts in and keeps accepting that the XXXX XXXX, even with documentation from the insurance company, everything is normal. 

I hope this reaches the right group so they can really understand that this is not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCA for XXXX XXXX keeps reporting a debt for me in the amount of {$2600.00} from XXXX XXXXXXXX XXXX. After speaking with someone some time ago, and them validating that the fraud account did not belong to me, the account was removed from my credit report. It has now reappeared. I have contacted the company again to dispute and inform them of account being removed and reported again and have not been able to get any results from them. I would like for them to remove from my report, as the account does not belong to me as they agreed too years ago.