23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding a collection account for {$17.00} with XXXX and XXXX a few months ago. Theres been no follow up.
Product: Checking or savings account

On XX/XX/XXXX one of my checking accounts with USAA Bank ( XXXX XXXX, TX ) was closed without my knowledge or permission due to me filing for XXXX  XXXX Bankruptcy. I had an amount of {$2300.00} in the checking account that was closed. Instead of the money being transferred into one of the 2 other active checking accounts that they didnt close they told me a check would be issued that would be mailed through XXXX without signature confirmation. I asked for information regarding the tracking number the two times it was allegedly sent out and was told I could not be provided this information. When the check was first shipped out, it was declared undeliverable and the check was destroyed. I was not notified of this, I had to call after waiting for XXXX weeks and not receiving the check to get this information. The second time it was issued, it was issued for the wrong amount and never shipped out. Now I am going on the 3rd time for it to be processed and apparently a document now has to be signed for me to receive a new check. I was not made aware of this. I call at least a dozen times to get a tracking number and ensure that the check is being sent out over the course of XXXX weeks to just be told call back on this day with no resolution to my problem and no mention of said document until today. There is no set turn around time for when this document will be processed so that a check can be processed and then sent out to me. I have no savings and this has greatly affected my quality of life as I am now a month behind on my mortgage payments while active in a XXXX  XXXX bankruptcy, which prohibits me from being late on my mortgage. So not only are they affecting my quality of life and withholding money from me. They are now interfering with my active bankruptcy case by withholding my funds from me which prevents me from paying my mortgage on time, which is illegal and I can seek legal action beyond this because of that. I need this money recovered asap so I can get back on track with my mortgage payments and simply because it belongs to me and XXXX XXXX is making it extremely difficult for me to recover my funds they took from me. This is unprofessional and violation to me as a consumer and an unfair business practice.
Product: Debt collection

AMSHERCOLLECTIONSERVICES is violating my rights. The company is trying to collect the debt that is not owed. Also publish ed inaccurate information on my credit report. There are three different totals owed. The account was open by identity theft when I was visiting a friend who lived at that apartment complex. I sent the company a copy of the police report and a copy of electricity bill from my address in XXXX, Florida. The company does not have an original signed copy of a lease. The apartment lease started on XX/XX/XXXX. the contract states that it was signed on XX/XX/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 : States a consumer reporting agency can not furnish a account without my 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 crime which antedate 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 responsible costs to believe that the information is inaccurate.
Product: Credit card or prepaid card

We purchased three small bathroom vanities on XX/XX/XXXX, but we only received one full vanity and two vanities were received with partial parts and some of parts were broken. So we communicated with the vendor to send us the missing parts and replace the broken parts, but they kept asking us to wait until XX/XX/XXXX even though they were selling the same items online. 

We continue trying to resolve the issue with the merchant, but they were not responsive, so we disputed the partial credit card charge for those two vanities. Then, merchant responded to our credit card dispute with the proof of shipping, but they also acknowledged that they did not send the full packages as there were missing packages. However, Chase concluded that the charge was valid and closed the case in Merchant favor. 

So we decided to return the two incomplete vanities, and returned the vanities and re-opened the dispute with additional information indicating that the merchant DID NOT fully shipped the items, and we returned the partial vanities we received. We provided the return tracking numbers, XXXX XXXX & XXXX, and they were returned to the merchant 's warehouse on XX/XX/XXXX and XX/XX/XXXX. 

We asked Chase customer service look into the case with this additional information. However, the Chase customer service again closed the case indicating that we are responsible for the charge even though we originally received the full packages, then eventually returned the items back to the merchant.
Product: Credit reporting, credit repair services, 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 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. 

Also While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Product: Credit card or prepaid card

On XXXX, XXXX XXXX  ( formerly XXXX XXXX  ) executed an action of withdrawal pertaining to an inactive account in the amount of {$130.00}. Per XXXX 's consumer specifications and guidelines, the bank can exercise its " ability to collect and procure any applicable fees from any other source of active NetSpend account, so long as the account itself is an active account and is under the sole ownership and usage of the person/persons whom 's XXXX XXXXNetSpend All access ' collection of fees for services rendered, pertain to. The card/account that XXXX XXXXNetSpend contend that the fees pertained to was, in effect, an inactive account ( 180 days ). The account, itself, had been, by confirmation of Netspend 's own operatives, officially charged off and supposedly in suspended status. There was no positive balance upon the card.The card had not been and was not being used to any extent. XXXX 's recovery department, then took it upon themselves to access a whole another account ( XXXX XXXX ), separate from any manner of connection to XXXX XXXX  in any way, by using the card as a portal in order to gain access to the other account. This was done by way of the card being listed with XXXX XXXX  as a funding source only for Savings. The card was listed as an external reference source only. The card had not even been utilized since its " initial listing. Again, the card, itself, was unusable as it had no positive balance upon it. XXXX 's recovery department essentially used the presence of the card 's connection to XXXX XXXX  as a " back door '' in order to gain access to the other account ; bypassing XXXX XXXX XXXX  proprietary security protocols. XXXX 's execution of the withdrawal itself was not authorized by XXXX XXXX, or myself in any way, or to any degree. The account at XXXX XXXX  is a separate account apart from the one connected with XXXX. And again, the account that XXXXXXXX XXXX  recovery team asserts that the withdrawal itself had pertained to was, in essence, a non functioning entity as it was a charged off account. As such, it is is overwhelmingly apparent that XXXX/NetSpend has perpetrated a highly unethical and predatory action.
Product: Bank account or service

I was charged XXXX apparently for a XXXX. Cent overdraft fee. Then the " service charge '' that ive Never been charged before kicked in, resulting in the bank pulling my rent back into my account so they could charge me this " fee '' I canceled my account and will be banking elsewhere after 20 years of loyalty ... XXXX compass!
Product: Debt collection

Third party collector from PayPal has been harassing me, my family members and friends. Discussing my personal finances and disclosing my personal sensitive information. Not considering the time of day, they contact me via mobile non stop, from different phone numbers. This is abuse and harassment. While picking up my kids from school, they harassed me, threatened me with legal actions while the kids were listening to this, after advising them of them listening and telling that I would call them back. Now my kids are scared and even asked me if Im in danger. The lady was rude, disrespectful, and very belligerent. Also, on XX/XX/year> they called my mother after hours and disclosed my personal information. Even after telling them that Im in a financial hardship and working towards remediation the situation.
Product: Debt collection

Midland Credit Management INC Cease to provide me all the information i'm seeking. They keep sending me the same paperwork that I have no recollection of. Nothing baring my original signature, a contract showing that I entered into a contract with you, Payoff disclosure, Interest rate disclosure, and credit Insurance. You keep sending me 129 pages of nothing what I'm asking for... 

By me going through this alleged debt dated back XXXX. 

You have already broke the law when you re-aged this alleged debt on my consumer report, stating XXXX and XXXX. Totally against the FCRA / FDCPA. 

Also I'm full aware what a charge-off means. Which means a charge-off is a cancel debt. Which I should have received a 1099c. That I never received, and If you owned this alleged debt. send me my 1099c. 

Also The company that sold you this alleged debt. Has gotten paid from this debt 3 times This company knows that there is an insurance built in finance charge that protects the lender against the obligors default or other credit loss. So In reality they have gotten paid from an Insurance claim, a tax deduction, and from you guys. So if you purchase this alleged debt. Send me my 1099c because you put this charge-off on my consumer report. 

And Like I stated the last time. An Attorney is not a debt collector, and a debt collector is not an Attorney. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
CC : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : AttorneY, General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints!!! ENOUGH IS ENOUGH!!!
Product: Student loan

The most recent problem is an ongoing one. I am the co-borrower on a joint consolidated loan. As per the Joint Consolidation Loan Separation Act signed into law on On XX/XX/XXXX, my ex-spouse and I are supposed to be granted an administrative forbearance until the loans have been separated. Over the past XXXX years, we have had the loan arbitrarily moved into and out of forbearance. I recently called Sloan Servicing after receiving a notice that we were behind on payments - payments that I wasn't aware we were required to make since we were in forbearance. This was on XX/XX/XXXX. I was told on that call that we would once again be put on forbearance until the loans were separated. Today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX, stating that we were behind in payments once again. I feel as though we are being played with like this is a game and I do not appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts currently listed and showing on my Equifax credit report has an incorrect balance XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX The correct balance on my XXXX, XXXX XXXX  and XXXX XXXX  credit card account is {$0.00}. The following credit card listed and showing on my Equifax credit report is lost/stolen : XXXX XXXX XXXX XXXX XXXX {$410.00}. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX  is lost/stolen and the current balance of {$410.00} is all fraudulent transactions. The following hard inquiries currently listed and showing on my Equifax credit report are all fraudulent and not my hard inquiries : XXXX XXXX XXXX XX/XX/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 or other personal consumer reports

In mid XX/XX/year> I received a letter from XXXX informing me that my credit limit had been lowered due to an adverse report from Equifax Credit Information Services. My efforts to obtain a copy of my credit report began at that time and several attempts both online and over the phone have not been successful. An attempt online at XXXX yielded a " Summary '' of my credit score which indicated a single " account with negative information '' but it did not elaborate as to what that information was. I filed a dispute with Equifax on XX/XX/XXXX and was issued a dispute case number and was told I would be notified of results in XXXX hrs and would be emailed a copy of my credit report. I was neither notified or given a copy of my credit report so I phoned XXXX on XX/XX/XXXX. The person I spoke to informed me that " it had been determined that you owned the debt ''. I disagreed and he replied that " we just report what the bank tells us. '' When asked, he told my that the debt was incurred with XXXX XXXX and XXXX XXXX. There was no information given as to the amount in dispute or when it was incurred. I have never in my life had any business dealings with XXXX XXXX  or XXXX XXXX! I once again asked for a copy of my credit report, this time in the form of a hard copy to be mailed to my po box . I have not heard from Equifax as of XX/XX/XXXX. The original letter that notified me that my credit had lowered stated that there was a 60 day window for correction if I felt the information was inaccurate. Clearly Equifax is making that difficult to accomplish. 
In summary I would challenge Equifax to provide evidence that I have ever had an account with XXXX XXXX  or XXXX XXXX and would also complain that they have been reluctant if not outright obstructive in providing me with a copy of my credit report. I would seek to have the adverse information removed from my credit report and my credit limit restored to its former amount.
Product: Credit card

On or around XX/XX/year>, Discover Credit Card Company closed my account without my consent. The company claimed that I consented to this closure, but I categorically deny providing such consent. I was an account holder in good standing for over 10 years prior to this incident.

I believe this closure was a retaliatory act by Discover following a prior complaint I filed with the Consumer Financial Protection Bureau on XX/XX/year>. That complaint was related to a billing dispute with Discover. Despite my longstanding history as a customer, the abrupt account closure occurred shortly after my prior CFPB complaint, raising concerns about Discovers practices. 

I have attached supporting documentation, including Discovers XX/XX/year> account closure notice and their response letter to my earlier CFPB complaint dated XX/XX/year>. I request an investigation into Discovers actions for potential retaliation and wrongful account closure.
Product: Debt collection

I resided at an Apartment unit for 2 years with no late payments nor issues. I was not present for the move out inspections and now the apartment sent the calm stating that there were stains on the carpet. I was then notified by National Credit Systems , Inc. by phone calls and letters stating that if I do not pay {$800.00} for the carpet stains that they will Garnish my wages or Seize and Auction my personal property. 
I requested proof and I was sent Black and White pictures that I ca n't see any stains.
Product: Credit card

I have a Paypal account and Paypal Credit. I have logged into Paypal several times to have it default payments to XXXX of my credit cards but when I use PayPal to purchase something it always defaults to Paypal credit and I have to go to the extra step of changing it to my credit card. Several times it did n't give me the option of changing it. Today I received a phone call saying my Paypal Credit was past due. I never received a statement either by mail or email from them saying I owed money. I do get an email from Paypal, but it always says I have a {$0.00} balance. I called Paypal today to find out what was going on and got no satisfaction. When I told them I wanted to close my Paypal Credit account I was told I would have to pay a {$35.00} late fee in addition to a {$64.00} account balance. I think that this company is dishonest and deceptive in their dealings with me. I believe that they do this to all of their customers.
Product: Prepaid card

i have been calling ruschcard since wednesday about my direct deposit and all they have been telling me is that, they are working to fix the problem. {$470.00} direct deposit hasnt been recieved and now i have bills piled up and a car about to get repoed because i dont have my money.. i have a XXXX baby to take care of and she needs alot of things that i can not get. XXXX transactions were made at atm but i recieved no money out of and my account was charged for. Rushcard said theres nothing that they can do about it.
Product: Debt collection

the original collector never summited claim to my medical insurance.today i contacted my medical insurance they asked for creditors number to call to get the original collectors number the debt collection agent didnt have that information. my insurance was going to have them re-summit the claim. she was surprised they didnt have any contact with the original creditor.i disputed and disputed still nothing XXXX XXXX insurance takes that debt.this company just dont respect people
Product: Mortgage

I switched insurance policies on XXXX XXXX and promptly faxed the declarations page ( with loan number ) to Mr. Cooper. I have called several times a week since, and their information still reflects the old policy which is more than {$1000.00} more than my new policy. The old policy is coming up for renewal on XXXX XXXX and Mr. Cooper still shows my old insurance company on their website. I have yet to receive confirmation that my old policy will not be paid. Coincidentally, I just had an escrow analysis at the end of XXXX and they are adding on a hefty overage which is resulting in a very costly monthly payment. I tried to explain to them that they're over charging me based on the new policy, but nobody in the escrow department seems to understand. They will transfer me to the insurance department, who tells me that their systems don't communicate with the escrow department systems. After talking to both parties, they tell me that I need to speak to the other department. I called today and got the loss prevention/mitigation department where the operator told me that he's covering the phones because the escrow department is closed. I explained to everyone that the escrow deposits are my money held in good faith and they they have an obligation to respond to requests for me switching my providers as well as return the money that they're taking from me based on a policy that doesn't exist anymore. Despite weeks of calls and being transferred to other departments, this issue is not resolved.
Product: Debt collection

LVNV FUNDING is harassing me about a debt that I dont not owe and Ive never did business with LVNV FUNDING so why are they contacting me that is a violation under 15 usc 1692d and 15 usc 1692c and they sent me letters with their company logo on it and that is a violation under 15 usc 1692f ( a ) and they are also charging me different amounts that violates 15 usc 1692c 15 usc 1605 ( A ) 15 usc 1692 f ( 1 ) Ive sent them a debt validation letter requesting the 5 components to validate I owe this debt and to show me proff of a contract that I have with them along with proof of who the true creditor is, I expect to receive that. I also sent out a cease and desist letter as well.
Product: Debt collection

Creditors Bureau USA acct # XXXX, should have been paid by my XXXX XXXX XXXX XXXX I have had XXXX XXXX for over 10 years, same account just now a different County. They never submitted charges to XXXX, and now it is in Collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, XXXX XXXX has reported wrong zero balance on my credit card to all credit reporting agencies. BUT IT IS NOT XXXX ( See Attached Document ). Thus, XXXX XXXX reporting XXXX balance - caused my FICO score to DROP BY XXXX POINTS ( See Attached Document ). 

I plan to sue all credit bureaus for FCRA violations on or about XX/XX/2023 - seeking damages and attorney 's fees for this XXXX points FICO score drop and also for any " eventual subsequent '' FICO score drop.
Product: Debt collection

Get these perjurous panhandling frauds out of my inboxes. 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  Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.