23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I entered into a repayment agreement with XXXX XXXX XXXX XXXX to repay Macy/Department Stores National Bank charges in the amount of {$25.00} a month. XXXX sent me a monthly reminder that the payment would be processed on a certain date. I received these monthly reminders from XX/XX/XXXX through XX/XX/XXXX. XXXX stopped sending the reminders on this account and will not tell me the status of the Macy 's account. I have asked XXXX for an accounting. XXXX representatives are unable to locate the account under their specific reference number, the last four digits of the Macy 's account number, or any of my personally identifiable information, including my social security number. XXXX representatives indicated that Citigroup is the holder of Macy 's accounts and advised me to contact Citigroup. Representatives at Citigroup could not find the Macy 's account number referenced on the XXXX monthly reminders for which I have paid {$25.00} monthly for over 4 years. 

I have another Macy 's account that I am paying monthly to XXXX, which began in XX/XX/XXXX. XXXX is still sending monthly reminders on this account. XXXX representatives indicated that their system changed and their reference numbers have changed. The change in the reference numbers is evidenced in the monthly reminders for this particular Macy 's account. XXXX representatives indicated that this is the only account they have serviced. Citigroup representatives verified this account is under my name. 

Monthly reminders on both Macy 's accounts are attached to this complaint as evidence that XXXX was withdrawing funds for both accounts.
Product: Credit reporting or other personal consumer reports

I would like to remind you of the Dixon-Rollins v. Experian Information Solutions , Inc ( XXXX ] and

Miller v . Equifax Information Servic
es LLC ( XXXX ]. These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors word. have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information. 

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

I have sent a dispute, police report, identity theft affidavit and ftc report to Equifax and it has been 30 days with no response from them. They will no remove fraudulent information.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX Bank for {$640.00}. I do not have a contract with XXXX XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Debt collection

On XX/XX/2023 this company TRS recovery services said I owed {$1000.00} and kept increasing it with interest which now current its {$1600.00}. On that date my whole checking account was overdraft with all the money I had to a site called fanduel. There was fraudulent activity happening on my fanduel account and I had my bank had to close down my checking account. I tried calling this company about this supposed debt but they dont pick up their phones. So, I Called my bank and they never were contacted by them or got information about this debt I owed. I asked them if that was the transaction amount was taken from my account that day from my old checking account and they said they didnt see that amount for it so they were confused why I owe that amount when they dont even see it. Its not even the correct amount of money that was taken from my account yet they dont even pick up their phones so I can dispute it. This trs company asked for information if I reported it to police for fraud but I dont have to give them that information cause they dont even have the right amount of money that was taken from my checking account. I wanted to dispute this amount with my bank but they cant dispute cause that amount was not their that day for the transaction. The reference number for trs is XXXX. They keep bothering me and charging interest on something I dont actually owe and its ridiculous to the point Im gon na have to get a lawyer to deal with this. My bank has not been contacted by you guys and they tried Calling you guys as well how are you coming up with this number? I cant dispute it cause my bank says that transaction amount wasnt even there on the old checking account. Please resolve this cause I already sent you guys a letter on what are the exact details on this supposed amount.
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. 
XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

PAYDAY LOAN TAKEN IN 2014 I STILL HAVE DEBT COLLECTORS REPORTING TO MY CREDIT FILE ITS BEEN 8-9 YEARS. IT JUST GET PASSED FROM COMPANY TO COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and Factual Data. Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. XXXX, XXXX, XXXX, Factual Data, and XXXX, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.
Product: Debt collection

On XX/XX/19 I called Amcol systems Inc to try and resolve my debt. I was unaware that this debt was being sent to them by XXXX XXXX XXXX XXXX in XXXX, Oklahoma. I offered to make a monthly payment of {$25.00} until my debt was resolved. Amcol stated they would collect my payment, but would not report to the credit companies that any payments were being made unless the amount was at least {$59.00}. That is an unreasonable amount, as I am trying to make arrangements to pay off other debt as well. I would like this to be removed from my account if Amcol is not willing to work with me on the payment arrangement I can afford.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting

there are names or alias on my credit report i never used ... also ... an address i never lived at or had
Product: Credit reporting or other personal consumer reports

A month ago, I submitted a complaint to these XXXX, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Product: Checking or savings account

unable to access my banking. As a XXXX person USAA say there are no chat representatives available. 
this is a continual problem. 
they do not make accommodations for XXXX customers. their XXXX access help does not exist. WHEN i have reached chat agents they say there is XXXX protocol for XXXX customers. 
but now every time i tery to access chat it is blocked or unavailable for me.
Product: Money transfer, virtual currency, or money service

Opened a Tradestation crypto and required brokerage account ( must have the brokerage to fund the crypto account ) and participated in a signup bonus which would be {$500.00} for depositing {$10000.00} into your brokerage/crypto account after placing one crypto transaction. 

Satisfied the requirements and Tradestation is denying the bonus stating that I'm not entitled to a crypto bonus since I received a previous bonus for a separate brokerage account for trading stocks. 

Escalated, provided a screenshot of their own terms and conditions with no success. I made sure to get a case ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy showing on all my credit reports where never given permission I have called XXXX to remove all bankruptcies information from my report I pay them monthly and constantly calling them about identiy theft on my report they have not done anything also with XXXX and XXXXalso LEXISNEXIS,
Product: Debt collection

Hi Lvnv Funding, Resurgent Capital Services ; XXXX ; I was going through my credit report over the weekend and noticed 3 fraudulent accounts with alleged balances of {$1600.00}? {$1300.00}? {$2600.00}? I am writing to address a matter concerning an alleged debt which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity. 

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations. 

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter.

Legal basis for your collection of information.

Legal basis for your collection of this alleged debt.

Evidence of your authorization to operate in this state.

Proof of the alleged debt, including any contracts or instruments bearing my signature.

Complete account history, including collection-related charges.

I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$37000.00} XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX will not remove negative account off of my credit report. Although was instructed to call and they will remove me. This is causing my credit score to suffer tremendously.
Product: Debt collection

XX/XX/24 XXXX call. Called asking if I was the wife of the person of interest and to speak to my relative. They said their company name but refused to answer if they were a debt collector agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I'm unaware this debt. I did not receive proper notification to be allow to dispute this debt. 
Please provide certified mail with a receipt bearing my signature. If not please remove asap.
Product: Bank account or service

I have a loan with Navy Federal Credit Union that was already charged-off 5 years ago. Yesterday, I have to borrow money from my brother as I am going through financial rough times, but he deposited the money to my savings account with Navy Federal Credit Union since he has an account with the same bank. The NFCU then transfer the funds to the loan that was charged-off 5 years ago and I am left with XXXX balance.
Product: Debt collection

I have received repeated ( daily ) calls from Midland Credit Management , Inc . They call late at night because the company has outsourced debt collection to XXXX and representative do not know the time in United States. In addition, the representative that call and answer company 's phone use fake name to appear as if they are calling from the United States. They are rude, overbearing, and lack a demand of the English language to effective communicate. The company has given me the runaround in my attempt to get them to stop calling my home.
Product: Checking or savings account

Employee inside of the PLS check cashing location on XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA ; decided to wrongly label my paycheck of {$4000.00} from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay to myself XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Date XX/XX/XXXX. The day before on Sunday I got to the place and was told to wait until the next business day. They took a copy of my paycheck and drivers license and stated to return the next day to cash the check that they will call me to come up there to finish the check cashing process. On XX/XX/XXXX Monday I returned to the the PLS between XXXX - XXXX and tried cashing my check. After handing my check to the female that stated she looks like me my driver license that why she in there to stole my paycheck. Unlawfully withhold hold my paycheck stating once I left with my paycheck, she will be cashing it and keeping my money. She fused to cash my paycheck and hand it back to me. Stating Im the companys payroll employee of my company. The police was called to receive my paycheck back.
Product: Payday loan, title loan, or personal loan

Yesterday, I went to the Cash Store to see XXXX XXXX who is a manager.She was not willing to change date of payment. I told her I have another loan in same day each of monthly. I will have to pay {$65.00} to the Cash Store every month but my main concern they are rip off {$65.00} is too much. I loaned {$190.00} it should be low payment installment. She was refused to move payment XX/XX/XXXX instead of XX/XX/XXXX.But I would still refuse to pay to due XX/XX/XXXX until we agreed. 
Other guy employee said first month to pay {$65.00} then second monthly will be reduce {$58.00} but I did not understand why XXXX was not aware of this. 
I will address to the U.S.Senator office and contact FTC. Loan payment too higher might be not appropriate. 
I will contact you on Monday or Tuesday. 
Ps. I will request make a copy document from Cash Store next week.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Student loan

XX/XX/XXXX - Submitted a refund request for federal student loans paid in XXXX ( after the loan payment pause ) through XXXX to FedLoan Servicing. Customer service representative told me it will take about 2 weeks for the refund to arrive in my bank account. 

XX/XX/XXXX - called to check on the loan reinstatement and refund status. Customer service representative told me the Loan will be reinstated soon and the refund could take up-to 2 months. 

XX/XX/XXXX - my loan was reinstated on FedLoan servicing website. 

XXXX - I called to check on the timeline for refund as I need the money. The customer service representative mentioned that it could take up-to 150 days. 

I am concerned that the timeline for refund keeps going up each time I call and I dont think I would get the money ( but my loan has been reinstated already )
Product: Student loan

Our family and the families of our cosigners are refugees and people with Limited English Proficient ( LEP ). 
When applying to Wells Fargo Bank and XXXX XXXX XXXX  for a student loan to pay for tuition at XXXX University, we did not receive any explanation from these Banks about the financial risks for the borrower and its cosigners. That is, no clarifications were provided either in English or in XXXX through an interpreter ( XXXX is our native language ). We were not told what amount of payments is expected and what consequences the delay in payments, the inability to make payments, and so on will entail. It seems that Banks are simply trying to involve more people in the process of obtaining a student loan for their greater safety, that is, Banks put their financial security first, and not the financial security of their customers. 
As practice shows, when requesting a credit line, any bank limits the amount of the loan and this is not considered discrimination. This is a concern for the financial security of the borrower. 
Wells Fargo Bank lent a huge amount to a refugee with a green card, our son XXXX XXXX ( Account Number XXXX ). If, after checking our status, we were denied a loan for study, it would be correct, we would not think that this is discrimination, but it would not lead to such disastrous consequences for our family and 4 other families of our cosigners. 
We paid the required amounts on time throughout the entire time. We continued to behave responsibly towards Banks and our cosigners. We made several full payments in XXXX XXXX XXXX  and Wells Fargo Bank even while our son was still studying and Wells Fargo Bank demanded payments, violating his Don't pay while you study principle. We continue to make payments to XXXX XXXX XXXX, but our financial resources have run out. 
In addition, Wells Fargo Bank sends bills by mail on the same account to different people, for example, on the XXXX line, on which XXXX XXXX is the cosigner, he and XXXX XXXX, who is not related to this line, receive bills. 
Now our son can not find a job, because in connection with the COVID-19 pandemic, employers will extend staff reductions, not hiring, Again, we were ready to pay off the student loan debt in accordance with our income. But now, given the dismissive attitude of banks towards us as their clients and their unwillingness to provide us with any assistance in a difficult economic situation, we consider it fair to cancel the existing  contracts for student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have filed an FTC report and sent it to the company and they are still reporting this negative account on my consumer report.
Product: Debt collection

This company is report damaging inaccurate collection information on my credit report. I ask this company to provide me with original contract with my signature stating that I owed this debt. This company is reporting past due amount and late payment which is also damaging my credit monthly. I have also disputed this account via XXXX which was verified accurately. I have asked XXXX to provide with original contract and signature and the method of verification which they have failed to do as well. I just want it to be fair by removing this damaging account off my credit report