23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, The reason for my dispute is FRANKLIN COLL SVC # 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, FRANKLIN COLL SVC 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,  which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809.  Validations of date and Mini-Mirandi under Section 807 ( 1 ) FRANKLIN COLL SVC # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA XXXX with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 O.R.C.Taking assignment of debts Section C paragraph 3. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
FDCPA I fail to see where FRANKLIN COLL SVC # XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Product: Debt collection

XXXX placed an account for collection, with XXXX ( Perfect Collection ). I have never done business with XXXX and have never signed or co signed any documents with XXXX. I received a letter from XXXX dated XX/XX/XXXX. The letter listed my name first and the name of my son below mine. My son passed away last XXXX, so I cant ask him about this debt. I spoke with my daughter in law and she told me XXXX asked for the name and address of the closest relative. My son gave them my information, along with his father in laws information. His in laws have not received any letter from XXXX. I called XXXX and told them this was not my debt. I asked to ask XXXX to produce any document with my signature, or any recording by me authorizing this debt. I disputed this debt with XXXX and XXXX without a positive resolution. They have not produced any documents as requested. XXXX solution to this is to sue my son for fraud. He is not here to defend himself, and I question XXXX business practices. Why would they hold me responsible for a debt I never initiated or authorized. Everyone gives me a standard answer without using common sense or without investigation. Please help. I dont know where else to turn to. My credit is being effected. Thank you.
Product: Money transfer, virtual currency, or money service

I used Affirm to purchase items from XXXX and XXXX. Theys ere both returned and credited to the -original form of payment, Affirm. I had to send the credit recipes to Affirm six times because the kept losing the emails, so they say. I also included both the XXXX and XXXX return policies where it states that credit is issued to the original form of payment. Affirm refuses to credit me back, Affirm told me I did not need to pay the balances, which were minimal, {$40.00} for XXXX and {$29.00} for XXXX because they ere under dispute, everything else was paid by me to Affirm. Affirm never corrected this I paid the balances even though I did not need to, I have a XXXX balance with Affirm and they still refuse to correct this. I have everything documented and will be happy to send it to your email address upon request. I can not attach the email string as a document ; however I can forward the many, many emails to you if there is an email to do that. Please advise. Thanks
Product: Credit reporting or other personal consumer reports

USCB is a debt collector for XXXX XXXX XXXX. They have a negative impact on my credit report. I disputed it with XXXX but it was denied. I paid the balance a long time ago directly to the hospital and I attached proof of my electronic check payment.
Product: Credit card or prepaid card

BMO Harris notified me on XX/XX/XXXX that they were freezing my Diners Club card because fraudulent activity was attempted. It is a PIN card and the other party apparently made multiple unsuccessful attempts ( my card is in my possession and I do not have the PIN written anywhere. ) Problem is, this is the fourth time in about a year my card has been frozen ( they have not been successful in making a fraudulent charge. ) As this card is linked to most of my online buying and recurring monthly fees, it takes me more than a day to change all of my accounts and passwords so this is a big hassle. I feel BMO Harris isn't trying to protect my interests -- they're trying to make their job easier. Do I have any recourse to keep them from continually shutting down and forcing me to get a reissued card other than moving to a new credit card issuer?
Product: Money transfer, virtual currency, or money service

I bought a vehicle online. I wired the full price for the vehicle to a recipient at Chase Bank. The vehicle was never delivered. After some investigation I discovered the automobile website was still advertising the vehicle I thought I had purchased. After the failed delivery date the seller refused to respond to me. The trucking company also refused responding to me. I later discovered that both the seller - and the trucking company were fictitious. However, since Chase Bank conducted the wire transfer they know the recipient of my funds. Both my credit union and I have contacted Chase Bank about the fraud, but Chase Bank has not replied to either of us. I also learned that the car I thought I was buying was actually owned by yet another car dealership at the time and was subsequently sold. However the fraudulent website is still perpetuating the fraudulent sale of 'my ' car. So Chase Bank is an active partner in this consumer fraud. Only Chase Bank knows who the perpetrator is, but they refuse to provide my credit union with that information so the LLC can be prosecuted. I have attached all the facts, forms, dates, and other information chronologically documented in a singular file for your review.
Product: Debt collection

I hired a local company to fix my hot tub. He completed part of the repair but then never came back to finish the repairs. I prepaid for all repairs on my credit card. Since he never came back to finish the repairs and would not return my phone calls I disputed the unfinished portion of the repair ( about half of the total credit card bill ). He then sent me to collections for the whole amount, plus another unidentified {$760.00}. The collection company has identified that I still owe the payments even after verifying payment. The said they sent me a verification of debt, which I never received. I asked them to help me understand their collection process and said I would pay what is owed, just not for uncompleted repairs and false promises. They said I owe the debt immediately and that I will be reported to the credit bureaus. I have fully contested the collections with letters dated X/XX/2017 and X/X/2017
Product: Credit card or prepaid card

I had a dispute with capital one XXXX XXXX XXXX billed on XX/XX/2022 for XXXX. They keep asking me to solve with XXXX XXXX instead help me and protect my rights. 

I do confirm the package was delivered to me by XXXX Tracking XXXX. 
However there was no merchandise inside the box, I only received an empty box. There were signs of the package was forcefully opened and nothing was inside the box upon my reception. 
Per the advice of XXXX XXXX, I contacted the police and Kiled a police report # XXXX. XXXX XXXX told me they will get back to me after 15 working days, however, no response was received. 
EMPTY BOX RECEIVED, NO MERCHANDISE WAS INSIDE!
Product: Checking or savings account

I called Citi bank today and wanted to ask for whether if {$500.00} checking + savings account promotion bonus will be disbursed. I have met all of the required steps to be qualified for the {$500.00} bonus but the call representative said I needed a " promo code '' for the offer from 3 months back. Mind you, there was no " promo code '' specified anywhere in their terms and condition page and the only way to apply for the bonus was by clicking " apply now '' button back then. This is completely unprofessional on citi 's part as they refused to recognize the existence of the promotion even though I have fully satisfy the conditions. This call happened today on XX/XX/19 at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I obtained my EQUIFAX credit report ( Report # XXXX ) and after reviewing it I noticed that I have 3 negative accounts and 4 inquiries that I do not recognize which is definitely fraudulent. The 3 negative account is indicated on the attached letter as well as the unauthorized inquiries. and I have no clue why it is reporting on my credit report and there is an obvious error. I have never done any business with the companies listed on my report. I have filed a police report and I have disputed this before with Equifax but to no avail it is still on my report. This is affecting my credit and I am asking for help with this matter immediately. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 StaXXXXes I have the right to privacy. 

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX XXXX, this company has been informed to not contact me multiple times, continues to call and harass me about a debt involving a family member.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit card or prepaid card

I booked my familys first travel ever to XXXX ( XXXX ) through chase rewards on XX/XX/2023. Travel details XX/XX/XXXX XXXX  to XXXX to XXXX ; returning XX/XX/XXXX XXXX to XXXX to XXXX. On XX/XX/2023 we checked in and got our boarding pass for both flights and flew out of XXXX. At XXXX they did not let us board plane to XXXX due to husbands passport expires XX/XX/2023. I had to spend {$3000.00} to come back home next day, plus food and {$400.00} stay at yotel to get some rest. The stress and XXXX  toll that this took on my kids has no price. I trusted airport airline personnel and feel we were purposely admitted to board so they can make more money out of us. 

I feel I trusted my credit card with this important decision and they did not tell me either. No one wants to take responsibility for the extra money I had to spend due to this ordeal. Chase representative keeps telling me they understand but do they really? This is a one in a lifetime trip for a working family like mine n dont have the extra money to spend it unnecessarily.
Product: Credit reporting or other personal consumer reports

My Experian email account and password were stolen somehow ( which is strange since my password was a 24 character string of random characters ). The person who stole my password then went on to change the log in information so I can't log in ( different email and different phone number ). I tried calling and looking at aways to process this change on XXXX but there are virtually no ways to change this. Their phone only leads to an unhelpful answering machine that won't get you to a specialist or solve your issue. Your email complaints go unheard, all the meanwhile all your information is available for a bad actor to use at their leisure. Their system is not secure and when a breach inevitably happens, there is nothing the consumer can really do, and no human on the other side who can help with such a grave situation.
Product: Student loan

My student loans are in forbearance, I am currently enrolled in the PLSF program. I have tried changing my loans to a different IBR program so my payments continue my credit in the PSLF program. I also received a letter from the US Department of Education, that I qualified for discharge for federal student loans taken out for enrollment at one of my schools under the XXXX XXXX XXXX Mohela continues to report monthly to credit bureaus incorrect balance information and I am unable to contact them during business hours because no one answers or calls back and because I can not get in touch I have lost several months that could have counted towards my PSLF on my existing loans.
Product: Credit reporting or other personal consumer reports

ALLY FINANCIAL- XX/XX/2023 XXXX- XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX- XX/XX/2023 ALLY FINANCIAL- XX/XX/2023 I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it may have been fraudulently applied for they have all refused to remove these inquiries off my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX did a pull on my credit profile XX/XX/2023 XXXX XXXX also did pull on my credit prolife I did not request nor did I give permission for this company to obtain any of my personal, and do not give permission for the reporting of my personal information.
Product: Credit card

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX XXXX 3 different times after spending 30 to 45 min on phone and asking to explain to me why they are reporting 30 60 30 day late payments. After going over the accounts I was put hold on while they looked into it and was hang up on each time. In XXXX I tried to dispute the accounts and they came back verified. I paid and closed Both accounts the same day XXXX XXXX Account XXXX also Account XXXX. Experian also XXXX are reporting inaccurate information. 
As of XX/XX/XXXX is being reported Account XXXX *Updated : XX/XX/XXXX ( Inaccurate ) *Last Payment of {$0.00} ( how can they report {$0.00} payment ) ( Wrong info ) * *Date ClosedXXXX ( waited two months to report the account closed ) *Last Payment Made:XXXX ( The date of last payment made ) Account XXXX Updated XX/XX/XXXX Payment received : {$120.00} ( I haven't made a payment to this account since I closed Accouts. ) Last payment made : XX/XX/XXXX Date ClosedXXXX also reporting history XX/XX/XXXX This is completely against FCRA and has caused hardship to me and my family by these credit Bruals doing frivolous acts to consumers knowingly and I want this to be off my report. Next I will be contacting a consumer law attorney if this is not taken care of in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent letters to each bureau. I have not any received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me as well as violating the FCRA laws. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Vehicle loan or lease

During the week of XX/XX/XXXX I called Exeter Finance to have my title mailed to me. They told me that they mailed it to the address on file in XXXX, but I no longer lived there. They told me a lie that I only updated my mailing address a week after they sent the title. However, I have email evidence between myself and an agent of their company, XXXX XXXX, where we discuss that I'm asking for an out-of-state title transfer and I provide my current ( at the time ) address. This email was more than a year before they claim I updated my address. The company has sent me a lien release, but they refuse to cover the cost of replacing the title, which they have an obligation to provide me. After speaking with other agents of their company, they stated they would refuse to cover the cost of replacing the title.
Product: Money transfer, virtual currency, or money service

I opened a Paypal account on XX/XX/XXXX related to my first attempt to sell a personally owned item on XXXX. A buyer purchased the item and paid via Paypal. Paypal almost immediately limited use of my account until I provided a shipping tracking number and indicated that a hold on the funds now in my Paypal account would be lifted once the item was delivered. I provided other information to Paypal including a copy of my drivers license, a screen capture from XXXX showing the buyer and seller information. They requested a receipt from the supplier of the item. The item I sold consisted of archery supplies that I have owned for several years, and none of which I have receipts for. I contacted Paypal through their messaging service requesting more explanation for why my account was now limited. I received a response several hours later saying that they would review my request. I shipped the item on XX/XX/XXXX and uploaded the tracking information to Paypal. I received an email from Paypal on XX/XX/XXXX informing me that I can no longer do business with Paypal and that the balance of {$200.00} was frozen for 180 days. I contacted Paypal again on XX/XX/XXXX through their messaging center and requested an explanation and a review of my account. I received a reply from XXXX XXXX saying : I apologize for any inconvenience this may have caused you. I have reviewed your case and can see that our decision to leave your account in a permanent limitation status is final. PayPal reserves the right to limit access to any account reported to be involved in possible fraudulent or high risk behavior. Due to the potential risk of chargebacks and other risks of funds reversals, your balance will be held 180 days from the date of the limitation. At that time, any remaining funds will be available for withdrawal. I scheduled you a callback. One of our account specialist will call you at the phone number on file. Just keep your lines open.

I am in apposition now where I sold and shipped my personally owned item. The buyer paid for it and will receive it this week. I can not  access the funds paid to me for almost 6 months because Paypal permanently limited my account. Paypal has not provided any explanation to me why the took this action. I also can not remove my debit card and checking account information from my Paypal account due to the status that it has been placed in by Paypal. I would rather not have my account information held by Paypal, particularly since they have limited my ability to use their service without explanation. Paypal has only provided general responses that my use of my Paypal account amounted to possible fraudulent or high risk behavior. No details have been provided.
Product: Debt collection

I sent a certified letter to the company requesting information so I could validate the debt. They ignored my request. I have proof that they received my letter. They continue to report this information and have not indicated that I am disputing the debt.
Product: Credit reporting or other personal consumer reports

Pursuant to Consumer Protection for Medical Debt Collections Act, XXXX account XXXX was placed by XXXX XXXX XXXX a medical provider disclosing medical information to third party in violation of HIPAA laws as well must be removed from my credit file no notification was given. And is considered identity theft because it was released without my consent. Demand is given to remove from credit file and attorney general report will be filed
Product: Credit reporting or other personal consumer reports

I applied for credit with opploan and was denied credit but as I XXXX  looking due to the Fair Credit Reporting ACT, equal credit opportunity act, and the consumer credit protection act and truth in lending act that no matter what my score is that I can not be denied my own credit, or show me the where you got your information from because I can show you where my information comes from the Ucc codes, Usc codes, Title 15 1604, CFR codes, and 50 Usc 4350 b2. And if they are not going to be fair then I'm not either, and that is what more people would do, if they knew, but they don't know that their signature turns into gold and that they can keep using it over and over again our SIGNATURE IS THE CREDIT, WE ARE THE BAG, THEY COULD DO NOTHING UNTIL MY SIGNATURE WAS ON IT.