23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 XXXX XXXX XXXX took me to court. I didnt even know I have a court date.I wasnt notified of the lawsuit. I didnt even know there was a lawsuit. Im on a fix income. Ssi. The judge ruled in their favor. I am bedridden diagonised on the last stage of XXXX I cant walk I cant move I cant do the basics in life. How can I pay them? Before dignoises I tried to call them but no answer they wouldnt answer or talk to me about what can be done with they threatened with arrest
Product: Credit card

Well I never really use my card for really big purchases so when i look at my account it said -XXXX in checking and -XXXX in savings so i called my bank and started a claim the operator was very confusing so i didnt understand her so when she asked me stuff it confused me so after that she gave me a claim number and thats it i called back a fee days latter and they said it was denied bc of information she explained it wrong so i gave the wrong information.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Fair collections and Out Reporting Agency falsely reported an incorrect balance to my credit report. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

XXXX XXXX XXXX, XXXX, is continuously harassing me by mailing a copy of a lawsuit summons every other day although I already submitted an answer to the court. I would like for them to stop harassing me by sending the same summons to my home every other day. I would contact the law firm, but after reading poor XXXX reviews, I am concerned with giving my personal information and trying to work with them. I am hoping that the XXXX XXXX district attorney can assist me with this harassment. Thank you.
Product: Student loan

Entered into monthly payment arrangement to have all Private Sallie Mae tuition answer loans payed. Payments were not allocated across all accounts as agreed to and accounts were defaulted to do servicing error by Sallie Mae who is now Navient. Was unable to rectify over an 18 month period.
Product: Credit reporting or other personal consumer reports

I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. 


Please block and delete these closed accounts below : Closed Accounts Collections : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned that Experian may have allowed someone to setup a fraudulent online account for the purposes of unfreezing my credit report. However I am unable to contact Experian with the concern, as they appear to have no actual customer service. 

I discovered a fraudulent credit card in my name from a bank that I currently do business with. I had previously frozen my credit report with all 3 bureaus. I was able to login and obtain a free credit report ( confirming the freeze ) from 2 out of 3 agencies, using XXXX. But I was not able to retrieve my report from Experian. 

I attempted to call Experian, but there is literally no option to talk to a human at all ( though I spent at least an hour trying to do so ), and I as unable to confirm that my credit report was frozen. In fact, the computer prompted me to set a freeze or fraud alert. I attempted to create an online account to verify my freeze, but after creating the account I get stuck in a state where there is " an error '' whenever I attempt to retrieve my credit report, only there is no indication of what the error is and to way to get technical support from Experian with the use of their website. 

I had my wife create an online account and she was immediately able to retrieve her credit report ( and confirm that her credit report is frozen ). This adds to my concern that someone may have already created an account with my social security number -- yet there is no apparent way for me to report this concern to Experian.
Product: Student loan

We paid my daughters loans off by 2016. I should not keep getting calls saying that Navient isnt handling student loans anymore. They are paid. I get consistent periodic calls.
Product: Checking or savings account

They froze my account due to me depositing my husband payroll check in it when he isnt on the account. I have asked them to just reject the check and they refuse to it has been 2 weeks since all of money XXXX has been frozen I havent been able to feed my kids and I just want to close my account now and get all my money but they will not let me. BMO bank
Product: Consumer Loan

This was the email I received from PayPal as I have disputed unauthorized charges and I have filed a police report PayPal Protection account so that they would take care of the matter for me I spoke to XXXX they cancel the card they received the police report and reissued me another card with and stated they would help me PayPal has lied to me about helping me and sent this email to meDear XXXX XXXX, Your PayPal account has been limited due to an excessive number of reversed transactions. 

As a result of this limitation you ca n't send or receive funds and we will suspend any open claims and we will deny these claims. Your purchases are no longer eligible for PayPal Buyer Protection. We understand this may be disappointing, but you can continue to pursue resolution directly with the seller. 

If you require additional assistance, or have any concerns, feel free to contact us directly at XXXXXXXXXXXX. 

Thank you, XXXXPayPal Protection Services DepartmentXXXX, I just received your email, I am protected by law from fraud and identity theft I have provided a police report I have explained my situation to you as in eBay and XXXX I will be contacting the Consumer Financial Protection Bureau and filing a claim through them, unless you help me resolve this matter as I was told by XXXX that works in your department that the matter would be taken care of and that you would be working with XXXX to help me with this your email as it is noble and I except the professionalism it is still unacceptable identity theft and fraud is a very serious matter one that I will prosecute to the fullest extent of the law As I am a victim of identity theft and fraud you may contact me at area code XXXX XXXX XXXX XXXX where you make contact me through my email. But I will be filing the claim with the Consumer Financial Protection Bureau a response is requested and required thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXXXXXX XXXX XXXXXXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency
Product: Debt collection

This company called today XX/XX/XXXX  at XXXX asking for me, Mind you they have been calling for the past couple of weeks They asked for me I said yes what do you need they claim they are deby collection for UCB and they wanted me to verify my date of birth and address I would not give them that sensitive information over the phone nor will I ever. I asked them If they were legit then send me a letter they claim they don't have my address. well if they are a creditor they can get it from the creditor. I don't know who they are or what they want But I want them to stop calling me ASAP please I'm mourning the death of my father I will not be harrassed day and night over a bill. Please asked them to stop calling me thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX XXXX messaged me on XXXX asking if I wanted money. She didn't tell me what company she worked for, she just said she ran her own business. Being an unemployed, XXXX XXXX XXXX, I needed money to pay for tuition so I said yes. She emailed me a check of {$2500.00} and then asked for me to send {$1000.00} to her grandma to pay for her medical bill. I sent the money and then she asked me to send another {$1000.00} to her doctor. My mom saw the charges and told me it was a scam and I called my bank, USAA, and explained everything that happened. They told me that I would have to pay for the money I sent even though it was a scam.
Product: Credit card or prepaid card

On XX/XX/XXXX I mistakenly sent a credit card ( # XXXX ) ACH overpayment of {$130000.00} from my checking account from financial institution XXXX to Bank of America ( XXXX ). Our intent was to pay off the balance. 

The bank continues to mispresent what the process is for returning this overpayment and by when. We have had several representatives tell us misinformation about escalation and indicate that someone would call us and never have. 

Bank of America is treating this electronic ACH transaction as a paper check transaction and is unlawfully holding my funding stating that they are waiting to see if the item gets returned. 

We have spoken to the FI on XX/XX/XXXX where the payment was pulled and they said the money has been transferred to Bank of America and there are no issues holding up funds. 

These funds are critical for the small business account that this payment originated. Holding on to this is impacting the long-term viability of this business. 

We have sent faxes and spoke with many reps and some with the ids of : XXXXXXXX XXXX 

This is an urgent matter to resolve. 

XXXX XXXX
Product: Checking or savings account

On XXXX XXXXChase bank closed all my checking and savings accountsthey didn't tell me any reason!
Product: Debt collection

CFPB Complaint Letter Regarding Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX RE : Complaint Against Midland Credit Management Dear CFPB, I am writing to file a complaint against Midland Credit Management regarding a debt they are attempting to collect from me. I am disputing the validity of this debt in its entirety.

Dispute of Debt and Request for Validation I have no knowledge of this debt and believe it may be inaccurate. I request that Midland Credit Management provide written validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). This validation should include : The original creditor 's name and contact information.

The amount of the debt, including a breakdown of principal, interest, and any fees.

The date the debt was allegedly incurred.

Request for Purchase Agreement and Licensing Information Furthermore, I request a copy of the purchase agreement between Midland Credit Management and the original creditor for this alleged debt. Additionally, I request proof that Midland Credit Management is licensed and bonded to collect debts in my state.

Revocation of Communication Rights Pursuant to the FDCPA, I am revoking my consent for Midland Credit Management to communicate with me via phone calls, text messages, or emails. All future communication must be made strictly through written correspondence sent to the address listed above.

Violation of Fair Debt Collection Practices Act ( FDCPA ) I believe Midland Credit Management has violated my rights under the FDCPA in the following ways : 12 CFR 1006.3 ( b ) ( 5 ) : Failing to validate the debt upon my request.
12 CFR 1006.3 ( c ) ( 4 ) ( i ) : Continuing to contact me after I have revoked my consent to communication.

12 CFR 1006.34 ( d ) : Failing to identify themselves as a debt collector in all communications.

15 U.S.C. 1681s-2 ( 7 ) ( A ) : Using harassing or abusive collection tactics. ( Please note that you haven't mentioned experiencing harassment or abuse, but this section is included for completeness ) Request for Response I request a written response to this complaint within XXXX  days of the date it is received. Your silence will be considered an admission of guilt and a violation of my rights.

Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX ( I.D and proof of address ) : Any documentation you have related to the alleged debt.
Product: Credit reporting

I 've never been employed by the ones listed on my credit report for transunion
Product: Checking or savings account

I opened a joint Chase bank checking account in Kentucky, account # XXXX ( with daughter in New York ) It had unusual deposits and withdrawals causing overdrawn approximately {$10000.00}. It appeared to be an error or botched wire. Or duplicated transaction (? ). The bank informed me initially, it was an error and would be corrected within a couple of days. They would not tell me who made these transactions. Now they are asking me for the {$10000.00}. I did not withdraw this money, or ever withdraw any money from the account. It was only open from XX/XX/XXXX to XX/XX/XXXX. I only made 3 deposits in XXXX and XXXX totaling {$210.00}.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company will not state who they are and what kind of " account '' they hold for me. They are also contacting family members on their personal cell phones regarding getting in contact with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened XXXX XX/XX/2016 Balance : {$32000.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX : {$1500.00} XXXX  XXXX Balance : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX MOR XX/XX/XXXX
Product: Debt collection

On XXXX XXXX I received a letter from National Credit Systems out of Georgia stating that I owed debt and that I had 30 days to contact them to dispute it. I called them the day I received the letter and told them that I dont believe that the debt is valid, In addition I sent a letter stating that I require validation to include a copy of a signed contract with my signature and a disclosure of how much is the debt and how much were the fees. They have not gotten back to me with any information regarding the validation of my debt but they have already reported this unsubstantiated debt to my credit report. I have the right to dispute the debt and to have it validated. I feel that has been denied me as they have already reported this and it is already negatively impacted my credit.
Product: Student loan

I have two student loans in repayment with AES. One is subsidized, the other is unsubsidized. I have been paying on these two loans through AES for about XXXX  years. For the first XXXX years or so, they would apply my monthly payment to both loans. One loan amount is larger than the other. The larger loan had a corresponding larger amount of my payment applied to it. 

However, around the beginning of this year, XXXX, I noticed that they stopped applying my payments to both loans. AES started to only apply my payment to one loan, thus letting the interest just build and build on the other loan. This would mean that I would never finish paying of my loans, as one just continued to grow rather than getting paid down.

On their website, they do provide a page in which it states that I can choose which loan to make a payment towards, or how to apply my payment to my different loans. However, They group my two loans together, so I can only make a payment on both of them at the same time. But, again, they stopped applying my payment to both loans. They only apply it to one, and let interest build on the other. Thus making me pay much more in the long run and increasing the total amount of money they will receive from me in the long run.

I have called them once and emailed them through their website 3 times about this. They have gone back and changed how my payments were applied. However, they continue to not apply my payments towards one of the two loans. In my emails I have asked them to apply my payments to both loans. I have asked them to go back to applying my payments the way they used to. I have told them that I am not able to choose how much of each payment go to which loan because they have the two loans lumped into one payment. I have pointed out to them that they are ripping me off and that they are unethically changing the way the apply my payments in order to make more money for themselves in the long run. They have corrected the previous payments after I contact them each time. But they are seemingly refusing to go back to applying my payments they way they used to. And they are seemingly refusing to go back to applying the payments I have repeatedly requested them to.

So, if I don't pay attention each month and message them, I will just rack up interest upon interest on one of my loans and end up paying them a lot more money than if they would apply my payments to both loans as I have requested them to do and as they used to do. 

For instance, I made a payment on XX/XX/XXXX. I'm not 100 % sure on the amount, but I believe it was a {$650.00} payment. For this {$650.00} payment, they applied it all to only one of my two loans, despite both loans being selected to pay towards. This now leaves the loan that they did not apply any portion of my payment to with about {$190.00} in interest, on top of the principal. They are doing this on purpose so that this amount continues to increase and I never pay that loan down. 

Can you help me so that this unethical company can't keep trying to steal money from me?