23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, The reason for my dispute is CREDIT COLLECTION SERVIC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT COLLECTION SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDIT COLLECTION SERVICE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDIT COLLECTION SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where CREDIT COLLECTION SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CREDIT COLLECTION SERVICE has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested and received a credit report from Transunion in   XX/XX/XXXX   and discovered that it did not list a long standing (  XX/XX/XXXX  )   XXXX   XXXX   XXXX   Credit card, which had previously been listed. I called Transunion and was told that it was up to   XXXX   XXXX   XXXX   to report the account. I then contacted   XXXX   XXXX   XXXX   regarding the problem and they created a case and said they would investigate. I received monthly letters from them saying they were still working on the issue until   XX/XX/XXXX   when I received the attached letter (   XXXX   XXXX   XXXX   Case Response ) in which they stated that Transunion informed them they were unable to reinstate the account. I then contacted Transunion and, after multiple attempts, was told that I should have   XXXX   XXXX   XXXX   contact their Marketing Department. I then contacted   XXXX   XXXX   XXXX   and was told that they had contacted Transunion multiple times and were unable to get them to add the account. They said Transunion told them it was because of their " purge regulations ''. They also said that they are reporting the account to Transunion monthly, but that they refuse to accept it. I then contacted the WA  AG office an d filed a Complaint, a copy of the context is attached ( Information Provided to Wa  State AG ). I r eceived a response from Transunion, a copy of which is attached ( TransUnion response to WA AG complaint ). They state that they only report information verified by the creditor and that information has not been verified. That is obviously in direct contradiction to the information I received from   XXXX   XXXX   XXXX    I did receive the credit report referenced in their response and it still does not show the   XXXX   XXXX   XXXX   credit card although it does include a   XXXX   XXXX   XXXX   HELOC.
Product: Debt collection

Midland Credit Management has repeatedly contacted others, i.e. children, ex significant other, childrens ex-partners, family members, asking for my whereabouts and disclosing the reasons for the call. I have previously asked for the company to communicate only by mail and they have ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX 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 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

The supervisor XXXX at Bay Area Credit Services at XXXX told my wife that she owed a debt to XXXX. We have asked them many times to verify the debt with us because we have not received a bill from XXXX at all. They would not give us any information on this debt. They have called past XXXX and refused to give us any validation of the debt. We asked them for more information on the debt and they either tell us to pay it or let us know that they will send something in the mail. We have asked for mail to be sent to out address or an email and they say they cant do it. We dont want to give out any money because it could be a scam. I told them we were going to report them to the CFPB and they just hung up. They had XXXX accents so it was hard to understand anything that was going on. Its been around 6 months or more of these calls and nothing has been resolved because they can not verify any information of this debt.
Product: Checking or savings account

Seller Beware. This is in regard to an XXXX auction that went horribly wrong- transaction dateXX/XX/XXXX.

On XX/XX/XXXX the XXXX buyer filed a complaint with XXXX stating they did not receive the auction item ; eventhough the package was sent through XXXX with signature required, and XXXX is showing the item as delivered on XX/XX/XXXX.

On XX/XX/XXXX, XXXX  sided on behalf of the buyer and initiated the refund process. In trying to navigate through the XXXX  refund process I inadvertently hit the " accept refund '' button. Hitting this button caused XXXX  to initiate an E-Check against my bank account through their partner PayPal in the amount of {$4000.00}.

On XX/XX/XXXXwe called XXXX   to try to get them to stop the refund, as there was clearly a mistake, and we needed to provide them with more information, as we strongly believed this to be a case of fraud. XXXX claimed they were not capable of stopping the refund, as all the controls relative to canceling or redirecting an electronic payment were on the side of PayPal. According to XXXX they are only the selling platform, and PayPal is the financial institution. We then called PayPal, and PayPal claimed there was nothing they could do, as XXXX had initiated the E-Check payment. We called XXXX back and they told us it was up to PayPal to pull back the funds. We called PayPal back, and they said there was nothing they could do. After getting bounced back and forth between PayPal and XXXX we called our bank and filed a dispute to stop the payment. Our bank launched an investigation and settled the dispute in our favor.

On 4/11/18 PayPal responded to the stop payment from our bank and returned the funds. Later that same day they issued a refund to the buyer in full ( {$4000.00} ).

We continued to work with XXXX  and PayPal to rectify this injustice, and on XX/XX/XXXX we provided the results of an internal XXXX  investigation showing the buyer received all items associated with the auction, to include copies of signatures and tracking details. We continued to be bounced back and forth between XXXX  and PayPal, as each continued to point the finger at the other as the party capable of providing some relief for the potential fraud. At this point there is absolutely no resolution, and PayPal is coming after us for the full amount of the refund they sent to the buyer.
Product: Debt collection

LVNV Funding is on my credit report twice for XXXX separate accounts which Iare not mine and Ive replied to their email that I needed validation/verification. I received a letter in the mail 4 days later that I need to contact them with my name, number, address and social security number. I emailed them again that Im still waiting for validation/verification of said debts and that time I got a response that I can not be located in their system. I had them removed on my XXXX  Report but XXXX wont delete as they said the accounts were verified. Thats completely false. Ive reached out numerous times to lvnv and have yet to receive a return phone call or anything in the mail.
Product: Checking or savings account

Overdraft fees are a standard {$36.00}, flat expensive fee. 
XX/XX/23 Balance was + {$170.00}. 
XX/XX/23 XXXX XXXX XXXX - {$220.00} ( price increase ) cleared Balance - {$49.00} XX/XX/23 XXXX XXXX XXXX - {$3.00} - {$58.00} XX/XX/23 XXXX XXXX XXXX - {$6.00} XXXX XX/XX/23 XXXX XXXX XXXX - {$8.00} XXXX XX/XX/23 Cash Deposit to Account of + {$500.00} XXXX XX/XX/23 Overdraft {$36.00} for XX/XX/23 XX/XX/23 Overdraft {$36.00} for XX/XX/23 XX/XX/23 Overdraft {$36.00} for XX/XX/23 XX/XX/23 Overdraft {$36.00} for XX/XX/23 Overdraft of approximately {$70.00} Fee of Overdraft was {$140.00} ( DOUBLE THE OVERDRAFT ) ***How is that fair, how is that NOT a JUNK FEE. How does consumer protection work?? Check Balances go up & down, many financial transactions are not processed the moment the transaction occur. Deposits, Transfers TAKE upwards to 24 hours or more to process. The electronic balance that is viewed online IS NOT the real balance, it's easy to overdraft, and if there are multiple transactions then feels are multiplied.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach, fraud, or unauthorized activity. I request that you provide verifiable proof, including my signature or electronic signature, for any such actions. Please note that this letter is being sent by me, not a third party, and I ask that you review it accordingly. I did not authorize these actions, and they violate my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( Block of information due to Data Breach or Fraud ) [ 15 U.S.C. 1681c-2 ] and Section 604 ( Permissible purposes of consumer reports ) [ 15 U.S.C. 1681b ]. After contacting the involved companies, I have found that these actions were taken without proper validation or original proof from any of the reporting entities. As I did not authorize these accounts or inquiries, they are inaccurate and stem from either a data breach or the unlawful reporting of my information by creditors or a third-party data provider.
Product: Student loan

My student loan provider is Ed financial. I requested a payment reversal of {$2000.00} to be done back in XXXX, 2023. They did reverse the payment but they just never sent it back to me. I have called multiple times and filed complaints and have had no luck. They have said they reissued the check multiple times and I still have not received anything. Also I have been making payment to them and the last payment reflecting is from XX/XX/XXXX. I have made 4 more payment since then and they are not reflecting. Please assist.
Product: Credit card

To Whom it May Concern, On, or around, XX/XX/XXXX my Apple Card and connected Savings account were closed. Over the course of the following weeks, I attempted to prove that my account was closed accidentally but ended up having to submit a complaint to the CFPB ( case # XXXX ). On XX/XX/year>, Goldman Sachs concluded that my account was closed accidentally due to an inadvertent processing error. I was told that I could : reapply for a new Apple Card account and that the Bank will move the Customers balance to the new account and will also provide the same or better credit line and Annual Percentage Rate on the new account. It is now XXXX and this has yet to happen. 
Initially, when I tried to reapply, I was given an error notice. When reaching out, I was told that I had a card already, and could apply again once my current card was paid off. Knowing that this was incorrect, I continued to reach out until I reached someone who knew exactly what the problem was. They were able to remove the error from my account and reopen the application, however, when applying I was hit with a you already have an account. So the customer service agent somehow put my balance into some sort of limbo, so that it would not build interest or require payment until we figured it out. They also claimed that they had never seen anything quite like this. 
Finally, I was able to reapply again, but was hit essentially with a youve applied too much notice. The agent told me to wait 30 days, attempt to reapply and then they would reach back out. 
I waited the 30 days and attempted to apply again, and got the same notice I had been getting. A few days later I tried again and got an adverse action saying I did not qualify. So, I reached back out via XXXX ( as that is where I was initially finally directed to the right team ) unfortunately, although the person on the phone was incredibly nice ( and I dont blame her whatsoever ), she did not know about the situation and insisted that I just didnt qualify and would have to try again in the future. I asked about my current balance ( as it does not currently appear on my account or allow me to pay ) and she said that it said {$0.00} and she saw nothing in regard to the other money owed. 
It has been close to four months now, with seemingly no end to this in sight and I am completely at a loss on what to do next. At this point, I am asking for either this situation to be solved and my card to be reinstated without my involvement ( Im tired of explaining the situation on phone call after phone call ) or for the entire balance to just be forgiven so that you ( the company ) and I can just move on. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX and TransUnion are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX XXXX  and TransUnion since ( date of first round ) asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit card

On XX/XX/XXXXXXXX XXXX  I received a CashApp Card in the mail that I had not requested and I do not even use the app and never had. I had to contact them and email them pictures of the card and they said they have closed the account. I have no way to verify this since I never had the account in the first place. In XX/XX/XXXX I received a XXXX saying that ~ {$900.00} was transferred to the account opened fraudulently under my SSN with about 40 transactions. I only know this because of the XXXX I was never told if the account was used at all originally. I contacted them to correct the XXXX and they would not and said they should just file a form on the XXXX. It is very difficult to deal with this company especially since I have never been their customer. I am surprised they would send out tax papers to people that have filed a fraud complaint to them in the first place.
Product: Debt collection

After researching and trying to figure out why do navy federal keep trying to collect debt from me or send a debt collector called XXXX to collect from me with improper use of my information. I called Navy Fed multiple times letting them know that a account was open in my name fraudulent. I tried disputing with the credit Brea, but they sent a letter back with all the wrong information that was given to me. The email address and the mailing address along with the phone number is not mines. I asked that this account be disputed because I now learned that it was open with identity theft. I don't know what's going on I spoke to someone at Navy Fed and was told i have Mutiple accounts opened with them. I been a victim of theft which is on my credit report. Someone got hold of my information in the data breach with XXXX and order credit cards cell phones and etc. I think this account was a part of that. I ask that Navy Federal deleted this fraudulent account off my report as I clean my report of 10 accounts of identity theft. This put me in a very stressful spot and I'm trying not to pay more money for a lawyer because this is affecting my life. Please get this account off my credit report I did not authorize this or sign anything stating I wanted to open an account with Nay Federal credit Union. Please be aware none of these debts are mines and I ask to get a deletion off my credit report before I bring my lawyer arbored showing proof that wasn't me and that's not my personal information. Thank you and expedite this request I been dealing with this account for too long you will pay for my time if i sue and take you to court. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested the credit bureau do a verification of accuracy on a few accounts. they completed the investigation and stated the information was accurate. I decided to do a thorough research and found improper inaccuracies after their investigation. In accordance with the FCRA these creditors have violated my rights. 
XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 SEC 602 A. States I have the right to privacy 15 U.S.C 1681 SEC 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction.
Product: Checking or savings account

I have funds in my joint Lake Michigan Credit Union ( LMCU ) checking account with my wife. She had an unpaid LMCU credit card that was a very small fraction of the total funds in the account. LMCU would not allow me to withdraw a small amount of funds because of the fractional charge on an account I am not on. 

LMCU denied disbursement because of a fractional charge that my wife had been trying to pay for the last month online. She didn't get to LMCU before they shut down all funds. We were unable to make it to LMCU during hours during a difficult period as my father passed away XX/XX/XXXX and had been actively transitioning since XX/XX/XXXX according to the hospice nurse. 

We tried to pay using the online tools but LMCU had technical issues sending the money from our joint checking account to her separate XXXX account. Note the amount that LMCU cancelled us over was < 1 % of the total funds they froze due to my wife 's unsuccessful attempts at paying. LMCU then removed all rewards she had on the credit card which totaled {$200.00}, well over the amount LMCU froze all funds for. 

Since they took these terrible consumer threatening actions we closed our credit accounts and are actively working to move our funds out of this place because of their terrible company policy that keeps funds away from the consumer for very fractional amount of funds. 

As a consumer I am appalled that my funds ( ie paycheck used to operate my family expenses ) was froze and restricted from me for a fractional amount that was late and that I was not associated with. 

This practice was highly impactful for our family and law should be made if not already to ensure these institutions don't continue to threaten hard working American consumers.
Product: Student loan

In XXXX, my husband and I called a servicer provided on our exit counseling information to discuss payment options. We were advised the Spousal Consolidation Loan would be our best option, as it would allow us to have one interest rate and one payment. We were not provided the option to consolidate into a Direct Loan and were given an FFEL Spousal Loan through XXXX. In XXXX, Congress banned these types of loans. In XXXX, PSLF came into existence. In XXXX, I joined a public service organization and tried to consolidate my loans into Direct Loans ; however, because it is a spousal loan, the Dept. of Education would not accept the loan type. During this period, my loans were transferred to MOHELA. I was told my best payment option would be IBR, which I signed up for, because it would give me access to student loan programs. However, this move means I now owe just {$3000.00} less on my loans than when we started. Because it is an FFEL Spousal Consolidation Loan, we do not qualify for any student loan programs provided to Direct Loan borrowers. I qualify for PSLF, but I can not access that program. Additionally, I did not get any reprieve during COVID. I have now moved to a standard repayment option because I could not afford my payments, can not qualify for any program relief, and will pay these loans beyond retirement. I feel the push into spousal consolidation loans was a predatory practice on young, married couples.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint will be my follow-up to ensure that these items are thoroughly removed from my file : 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: Student loan

Attended XXXX. Was basically told on my last year of school that i had exhausted my Federal Loans, and the only way to continue school would be to pay out of pocket ( which I could not do ) or receive one of their Peaks Private student Loans. At the time i believed that this was for the remaining {$12000.00} of my tuition. 

This loan was filled out in my name for now over {$25000.00} with an absolutely outrageous interest rate. I feel like I am now stuck between a rock and a hard place. They want over {$400.00} a month from a fresh graduate. On top of having to keep current with my Federal Loans. 

I will basically have this loan until the day I die due to the fact that paying into it i still owe more than I did when i even started paying! 

I feel I am the victim of predatory lending and there is no way financially for me to even remotely pay this loan back at the interest rate they provided. % 16 interest. There is NO way i can pay this. 

Ive tried working with them to lower my rate and get a refinance. They will not budge due to my credit score, which is only getting worse due to THEM. 

This is going to affect my young daughters and my life forever and i dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX/XXXX  XXXX XXXX 's reporting on all 3 of the major bureaus ' reports, on multiple occasions. XXXX  XXXX XXXX XXXX is reporting different open dates, close dates, high credit amounts, dates last active, and dates of last payment on the 3 bureaus ( Experian, XXXX, XXXX ) .