23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Check and Go debt from XXXX. Filed Chp XXXX Bankruptcy in XXXX XXXX, was discharged in XXXX XXXX. Check and Go was listed on the XXXX. I received a telephone call / voicemail in XXXX XXXX from " XXXX '' XXXX ( XXXX, XXXX XXXX XXXX ) stating that they were going to be delivering a summons to my residence and then my job and that I must have a supervisor present. I returned the phone call and indicated that I had filed for Chp XXXX Bankruptcy in XXXX XXXX. They stated that this was a fraud charge and my bankruptcy did not protect me from that. I forwarded this information and the voicemail to my Bankruptcy attorney. Today on XXXX XXXX XXXX, I received a voicemail on my personal cell phone and work telephone from " XXXX XXXX XXXX '' XXXX stating that I needed to contact this number and that the voicemail would serve as " legal notice ''. I returned the phone call and the " Senior legal representative '' stated that fraud charges were being made against me because of the Check and Go debt from XXXX that was included in Bankruptcy. I explained that my bankrutpcy was discharged in XXXX XXXX, asked them not to contact me again at home or at work, and to call my attorney with questions. They stated that my bankruptcy has nothing to do with the fraud charges being placed against me. I explained that I knew this was scare tactic and that I was not falling for it. She insisted that she was forwarding my account to a " locater '' and that I would have to appear in court with my attorney to answer to these charges. I again asked this company to not contact me again regarding this matter. She stated that the phone calls would continue. I disconnected the call. Immediately after disconnecting the call, I received XXXX " Unknown '' calls. I answered, nobody on the other end. This is also harassment in nature.
Product: Debt collection

I am writing to formally register a complaint against Midland Credit Management ( MCM ) for their unethical and potentially illegal debt collection practices. 

On XX/XX/2023, I dispatched a letter to MCM, wherein I highlighted their inappropriate tactics, notably their threats of legal action, and issued a cease and desist order. My contention is that MCM 's conduct violates sections 807 ( 4 ) and 807 ( 5 ) of the Fair Debt Collection Practices Act ( FDCPA ). Specifically : - 807 ( 4 ) : MCM implied that nonpayment would lead to legal consequences, which either aren't lawful or they don't genuinely intend to pursue. 
- 807 ( 5 ) : MCM threatened actions that may not be legally executable or were never intended to be undertaken. 

Despite my communication, MCM failed to acknowledge or adhere to my request. On XX/XX/2023, I received two bills from MCM related to account numbers XXXX ( {$1200.00} ) and XXXX ( {$1100.00} ). Although these bills were dated XX/XX/2023, a representative from MCM, XXXX XXXX XXXX ( contact : XXXX ), confirmed they were dispatched on XX/XX/2023. XXXX XXXX, upon initiating our phone conversation, informed me that our call " may '' be recorded but failed to confirm its recording status. I, however, informed him that I was recording the conversation. It's worth noting that these bills explicitly mentioned they were from the 'pre-legal department ', which I perceive as another attempt to intimidate and coerce payment. 

Furthermore, while these debts appear on my credit report, they are marked as " in collections '' under comments, even though MCM isn't listed as the collecting agency.
Product: Credit card or prepaid card

I received my gift card on Friday XX/XX/XXXX as a birthday gift. It was purchased by my coworkers for the amount of {$150.00}. I went to the XXXX XXXX store in XXXX XXXX to make a purchase using the card. After spending an hour on the phone i was told the there was a freeze on the card and that it would start to work after an hour of getting off the phone with customer service phone line. I attempted to use the card to pay for dinner that night and it was once again declined. On Monday XX/XX/XXXX I attempted to use the card at XXXX XXXX and it was again declined. I called customer service and was told that I would need to be issued a new card and have it mailed to me. I received the new card in the mail on Friday XX/XX/XXXX. The card was in a sealed envelope in my mailbox with no evidence of tampering. When I opened the envelope and attempted to register the card under my name online it showed that card only had {$1.00} on it. I looked up the transaction history on the card and it showed a purchase for {$140.00} at a XXXX XXXX XXXX in XXXX California on XX/XX/XXXX at XXXX. I immediately filed a called customer service and told them what happened and they informed me that they would have to file a dispute on the charge. I still have had no resolution to this issue and keep being told that they are unable to contact the dispute department because it is not within their scope.
Product: Credit reporting or other personal consumer reports

I have a student loan that is not listed correctly XXXX/DEPT OF ED XXXX is showing XXXX XXXX PAID OFF when in fact it has been forgiven by The Biden-Harris Administration . I have attached the letter from the FEDERAL STUDENT AID Office of the US Dept of Education.
Product: Credit reporting or other personal consumer reports

XXXX is unresponsive to my requests and seems to be discriminated towards me because Im a XXXX veteran. They are not responding to any of my requests.
Product: Checking or savings account

I bank with chime Bank. 
On XX/XX/2022 I had a withdrawal on my checking account for the amount of XXXX at XXXX. I have reported and filed a dispute XX/XX/2022 and chime has reviewed and investigated, as result of the investigation they have concluded that there wasnt any fraud or errors. I did not make the withdrawal as I was asleep and my debit card was in my wallet, Ive tried reaching back to them and they continue to not investigate deeper and cant refund my funds back into my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX- {$4100.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX - {$900.00} XXXX XXXX XXXX - {$2800.00} XXXX XXXX XXXX - {$990.00} XXXX I am a victim of fraud, and I did not authorize these accounts to be opened. I am requesting this that the credit bureau investigate these accounts and remove them from my credit report. 
Please Delete all inaccurate information & respond to this letter within the next 30 days with the status of the investigation
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CONVERGENT OUTSOURCING. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit card

I tried to make an electronic payment from my bank account and the credit card company declined the payment saying it was an incorrect bank account number. I tried making the payment again electronically and again the credit card company would not accept the payment for the same reason. The bank account number is correct and there is more than adequate funds in my bank account to make the payment. Then the company charged me twice for a returned check fee. I tried to get that credited back to me, but they are not doing that. I should n't be punished because of their mistakes. I made a payment by money order and they refuse to process the payment. The only answer I have gotten from the company is that the payment is on hold. No one knows why. I have tried numerous times to rectify these problems via live online chat. The customer service representatives say they ca n't help me. I have spent the last 3 days trying to get help on the phone and numerous customer service representatives and supervisors say they ca n't help me. At the least, this company has a customer service problem. I have wasted 3 days and countless hours talking to people who refuse to help me. I have explained many times that i need to be able to have my credit card available for XXXX XXXX when my school is going to make a scheduled charge to my credit card. They still ca n't help me. Can you?
Product: Credit reporting or other personal consumer reports

Re : Debt Dispute - Violation of 15 U.S.C. 1692c XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Accounts XX/XX/LVNVFUNDING / Account number XXXX XX/XX/XXXX/ Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX I am writing to formally dispute the debt listed under the account numbers listed above, that you are attempting to collect on. Under 15 U.S.C. 1692c, the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease and desist from communicating with me about this alleged debt via any means, including but not limited to phone calls, mail, or electronic communication.

I believe this debt may be inaccurate or otherwise not mine, and I request verification of the debt, including documentation proving that I owe the debt and the correct amount, as outlined in 15 U.S.C. 1692g ( a ).

Additionally, under 15 U.S.C. 1692c ( c ), once a consumer has notified a debt collector in writing to cease communication, they are prohibited from continuing to contact the consumer, except under specific circumstances. Therefore, I expect no further communications from you unless you are providing me with the required verification documents as requested. 



Please note that if you do not comply with these regulations or continue to attempt to collect on this debt without providing verification, I will consider pursuing further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General office. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I had XXXX Fraud on my checking account with Citi Bank by some one who claimed to be with the fraud department on XX/XX/XXXX. When I realized it was fraud it was too late. The person on the phone who already had my log in information, just needed me to confirm made 9 separate transaction back to back for a total of {$1400.00}. I filed a claim with Citi Bank the minute I realized it was fraud. Citi Bank said to wait 10 days, while this was being investigated to be denied. I re-opened the claim again on XX/XX/XXXX to be denied again. No phone calls have been made to me, no letters with any explanation as to why. It has been me who has called several times to follow up and obtain status. I have re-opened the claim again for the third time after I called for status and was told it was denied, again. Today is XX/XX/XXXX and for the third time have re-opened the claim. 
Citi Bank is a sink hole, you can call and call and get nowhere, but a run around. No one has answers. You just have to follow their procedures that gets you no results.
Product: Vehicle loan or lease

Review feedback submitted to complaint XXXX and forward appropriate information to relevant parties- if this complaint is nor addressable by XXXX XXXX  XXXX XXXX the complaint needs to be resolved with Ford Motor Company XXXX Per CFPB authorization and delegated authority, it is within the scope of operation that this matter continue to be addressed and the complaint re-opened. 

Ford Motor Company provided incomplete information, as the recall has not yet been serviced due to limited service availability, and is not scheduled to be performed until XX/XX/year>. Statements made by Ford and XXXX are incomplete and require further review and discovery. Based on provided marketing information and vehicle information at the time of purchase, Ford Motor Company has failed to meet the terms of the purchase agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD SERVICES - FINAL PAYMENT {$2000.00} ON  XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX - XXXX - {$1200.00} XXXX XXXX - XXXX - {$810.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report please remove / delete the the following : ( 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

these are not my account please remove these fraudulent accounts.
Product: Debt collection

Notice to all and everybody, I Am that I am, the consumer I fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the XXXX, XXXX. IT's ME XXXX XXXX THE REAL ONE AND ONLy. I included my social security card, which I'm the only one who would have access to that form of credit card so that you know it is the real me and so that you don't falsely accuse me of having an unauthorized party send this in on my behalf.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. Failure to respond satisfactorily with deletion of the above referenced account will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Violations of 15 U.S.C 1692g 3. ) Negligent Enablement of Identity Fraud 4. ) FDCPA 807 False misleading information 5. ) FDCPA 809 validation of debt 6. ) FDCPA 8012 furnishing deceptive forms 7. ) 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy 8. ) 15 USC 1692g Validation of debt 9. ) 15 USC 1681n defines Civil liability for willful noncompliance 10. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports I demand that the following accounts be verified and updated to payed as agreed or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. Equifax must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

i am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair. I have included the oldest electronic statement obtainable from my current account which has been my primary account since 2015.
Product: Credit card or prepaid card

I was sent an offer on XX/XX/2020 for a capital one savor credit card. This card showed to have an offer of {$300.00} in rewards if {$3000.00} was spent in the first three months. I applied for the card fir this reason and was approved. After spending well over {$3000.00} in less than 3 months, I called capital one and was told that I do not have the sign up offer on my account. The representative told me that there is nothing they can do to help even though this offer was shown when I applied for the credit card.
Product: Mortgage

Company closed on loan XX/XX/2019 stated that had two months to resolve issue with company on a fraudulent acct and held in escrow l. I was told {$1100.00} for XXXX told not to pay because Accts was incorrect from start insisted precondition to close that this be held in escrow until settled with XXXX. This has been removed from reports yet after 4-5 months no interest on escrowed funds or return of funds to me to date and as of today XXXX has not been paid and should not be paid on this acct which is wrong for many reAsons! I have never been given an Esxrow Acct number! XXXX has sent bill showing no payments in the last 2days and Citizens Bank given letter on XX/XX/2019 Explainibg that this was an incorrect acct and more yet insisted that I pay someone elses acct! Escrow funds were collected for closing on loan of {$5000.00} yet can not get any info on these funds to date REFusal to provide this or return info on escrowed funds of $ XXXXCollected at closing! MOST IMPORTANTLY CAN NOT GET INFO ON WHAT HAS BEEN PAID TO DSTE TAXES ON HOME etc ... NO INFO ON ESCROW FUNDS OF {$1100.00} and {$5000.00} collected at closing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a request for credit line blocking along with a copy of my D L, SSC, I dentity Theft Affidavit, and proof of address. It was sent by certified mail on  XXXX   XXXX . To my understanding it has yet to be processed and the time fra me is 4 busine ss days. I have called numerous times to check the status and I believe the people overseas who answers the calls have absolutely no idea what I 'm talking about. I 'm completely getting the run around and being told to check back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with the major credit bureaus XXXX and Transunion about the unverified info being reported from AUTOMATED COLLECTION Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion on XXXX XX/XX/XXXX after review of their response to my 2nd CFPB complaint. I spoke with a female representative with an accent who transferred me to the fraud department. Once connected to the fraud department, I spoke with a male representative who could not explain why my credit score on my account maintained by TransUnion dropped significantly, 65 points ( as reported by XXXX XXXX ), in XX/XX/XXXX. He viewed the account and could not find any recent adverse changes on my account, last action was the removal of a collection account. Absolutely, no credit inquiries were noted as the last inquiries were in XXXX. I asked that he transfer me to a supervisor. I was then connected to XXXX, she was also unable to explain the drop in my score as there were no adverse changes to my credit profile. She attempted to connect me to a representative above her, but was unable to so instead she offered to have a representative call me back. I have not obtained a callback as of today ( XXXX XX/XX/XXXX ). I am going to move forward with contacting the Federal Trade Commission and if no resolve is reached after this complaint. If I am unable to obtain correction of my score after filing a complaint with the FTC against the CFPB and TransUnion, my next step will be to file a lawsuit to address this matter since the CFPB and FTC would have failed to assist with sufficiently resolving this matter. I spoke with TransUnion representatives and they were unable to ascertain what specific adverse activity caused the 65 point drop in My score on or about XX/XX/XXXX. In addition the CFPB nor TransUnion are willing to properly investigate this matter to correct it or provide " specifics '' regarding what caused the 65 point drop in my credit score maintained by TransUnion. However, this unfair and inaccurate score is negatively impacting My financial profile in commerce, which violates the Fair Credit Reporting Act ( FCRA ) and thus My consumer rights. My desire is that my lawsuit becomes a class action as I am sure I am not the only consumer impacted by TransUnion credit score calculation glitches and therefore other consumers are also being adversely impact by TransUnion 's violation of the FCRA via its inaccurate credit scoring. I have opened 2 complaints prior to this complaint and both were closed WITHOUT resolution. If this complaint is closed WITHOUT proper resolution, my aforementioned steps will be carried out post haste and I will see TransUnion and the CFPB in a court of law.
Product: Prepaid card

I purchased an American Express gift card at the store. And I have been trying to use it, but every time I do. It is declined except for on XXXX XXXX. It charged me XXXX cents, but it also declined my purchase. And I can not use this card anywhere. It is not working at all. But it says it's active and there's money on it