23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MIDLAND DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF FLORIDA . MIDLAND IS KNOWN FOR DOING BAD PRACTICES!! SEE BELOW Recently published cases show that courts are willing to assess damages to fully compensate victims of false credit reporting. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court upheld a jury award of {$400000.00} for compensatory damages in a case that involved attempts to resolve reporting inaccuracies and repeated denials of credit. In XXXX  v. Midland Credit Management, XXXX XXXX XXXX ( XXXX XXXX XXXX ) the court upheld awards of {$100000.00} in compensatory damages and {$620000.00} in punitive damages for a case involving wrongful credit reporting by a collection agency. Similarly, in the case of XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) the XXXX XXXX approved an award of emotional distress damages of {$150000.00} for credit reporting violations. 

Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and XXXX have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent, attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of XXXX my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company. IN ADDITIONA MIDLAND DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF FLORIDA XXXX Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because, I formally tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. They were initially provided with documentation of an affidavit to report the identity theft. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!
Product: Checking or savings account

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 an 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 air 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 for these violations.
Product: Checking or savings account

My identity was stolen and they made multiple fraudulent charges on my cards. I informed the bank and gave them my identity theft report and all the information I had. They denied my claim multiple times. They are stating that the charges are not Fraud without any proof after I already gave them all information showing my identity was stolen. I requested copies of the documents they used to make this decision and they never sent me anything. Its been about XXXX months since the Fraud happened and they still have not refunded my money.
Product: Student loan

I had just over {$33000.00} in loans from Navient for my XXXX XXXX staring back in XXXX. I was on target to have them forgiven under the public service loan forgiveness program but Navient lied to me about the type of loan I had. They kept telling me I was on track for the forgiveness until I actually applied for that forgiveness. When I did apply they told me I had the wrong type of load and did I want to consolidate and restart the 10 year clock. With only {$6000.00} left there was no way I was going to do that. They lied to me as they lied to numerous others. I finally paid off the loan in XXXX, XXXX. 

I want to know if I am eligible for any of the settlement money from the current lawsuit. Navient owes me {$6000.00} at least. 

I am happy to see that Navient will be out of the student loan business going forward.
Product: Money transfer, virtual currency, or money service

I got SIM hacked on Monday XX/XX/XXXX, ie Hackers took over my phone temporarily via sim transfer and my gmail permanently. After I got my phone number back from XXXX I instantly tried locking my account on Coinbase when I couldn't get in, I finally found a phone number where you can do that, even though it's just a bot. I also wrote an email to coinbase support and they only responded with a generic email about security and mentioned reinstalling the account via email ( which just had been hacked and is still compromised!?! ). 
I have not received any updates if the hackers were successful in transferring any crypto out ( I ; m afraid so ) or if they are locked out or what the actual damage is, etc. And I read in many forums like XXXX that CB often takes their sweet time to respond, up to weeks and months! How is that possible for such a big company with a huge IPO to ignore their customer safety this badly? This contributes to the bad image crypto has as enabling criminals. 

XXXX also is rather sketchy in allowing the sim swap and said they won't reveal the findings of their internal research to me, ie where was the sim swapped, in store, online, etc. There have been many reports of insider jobs at carriers like XXXX  and XXXX, and a long history of sim swap hacks that they should guard themselves and their customers better. It's way too easy.
Product: Credit reporting

I have disputed information with XXXX I have mailed information like they told me to do so that I can have this fraudulent information off of my credit. At the end of their investigation they said it was verified! I tried going directly through the collection agencies and they told me that if its fraud or the wrong person and to call the original company, but then when I contact the main company I 'm told to dispute it and then talk to the collection agencies.
Product: Credit card or prepaid card

I was charged {$4500.00} fraudulently by a former employer who was not authorized to make those changes. I called Bank of America over 40 times and was given every excuse the former employer gave. I proved every charge was false and I submitted the records and payments along with Government documentation proving the charges were false. The very last document sent was the Credit Card Authorization Form with my signature that authorized the company to charge my account a monthly affiliation fee of {$130.00} ONLY. This was written boldly across the authorization form that I had to provide. This has been going one for the last 4 months and I have faxed 4 sets of documentation to BOA with NO RESPONSE. Every call made by me to BOA gave me a different reason why they didn't remove the charge and every excuse was answered with documentation. I have only two letters from BOA. One removed the charge the other added the charge back to my bill with a statement the '' Regrettably, we were unable to obtain credit ( S ) to your account from the merchant ''. This dispute is an UNAUTHORIZED USE OF MY CREDIT CARD not a billing dispute. under the Truth in lending act limits my personal liability to {$50.00}. BOA has never responded to my FAXED Documentation or calls.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I was transferred to the automated system to authorize my monthly payment and the payment was drawn from the wrong account. An account that was closed that I had called XXXX XXXX XXXX in XXXX and requested to remove from file a few months previously. My payment requested for XX/XX/year> was drafted from the wrong account and after noticing the auto draft was not taken out after XX/XX/XXXX I called & was told my old account was charged in error by the automated system. I have never been late & this is not fair to me because I am not supposed to be late on anything after a bankruptcy. I have never been late on this or any other accounts to date,
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is with a company called XXXX XXXX XXXX. This seems to be a new credit reporting agency. This company have incorrectly reported my credit score. I was in able to get a new Car Loan because of XXXX XXXX. 
I have read the reviews about the company and it seems every consumer has the same complaints. 
-credit score 200 points lower than the major agencies.

-no one is ever in the office -getting the actual report from XXXX is impossible.

I want to know WHY these people are even involved in my credit report.

The website says they are an XXXX Company. So then XXXX needs to be the only company reporting my credit history. I want XXXX XXXX to STOP reporting my credit and score immediately!!!
Product: Credit reporting or other personal consumer reports

companies continues to report inaccurate information on all accounts, notarized certified mail has been sent along with US government identification proving identity theft, along with a notarized sworn statement as required by law. multiple disputes dating back to XX/XX/. XXXX, transunion, and XXXX continue to violate title 15 usc 1681b, title 15 usc 1681c-2, title 15 usc 1681s-2 , title 15 usc 1681n and title 15 usc 1681o. consumer financial protection bureau is also being negligent in holding these companies responsible for their actions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX, XXXX, XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against Innovis 's Noncompliance with Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) Dear Sir/Madam, I am writing to file a formal complaint against Innovis for their willful noncompliance with the Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) regarding the blocking of adverse items in my credit report that are the result of XXXX XXXX. I am a XXXX XXXX survivor and have submitted all required documentation to Innovis, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on two separate occasions, Innovis has refused to block the items in my credit report that are directly linked to XXXX XXXX. Innovis has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of XXXX XXXX. I urge the Consumer Financial Protection Bureau to investigate Innovis 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Innovis to block the adverse items in my credit report that are the result of XXXX XXXX in accordance with the Final Rule. I kindly request that this case not be closed until Innovis has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXX, or XXXX
Product: Money transfer, virtual currency, or money service

I have a Bank of America credit card. On XXXX I made a payment for {$3200.00} on their online banking from my chase checking account. I checked back 24 hours later and it did not show on the BoA online account and it was now late so I thought it hadnt worked. I received no email or anything stating it went through. 

On XXXX I made another payment for {$3000.00} dollars under the misconception that the first payment didnt go through. 

On XXXX both payments posted putting my BofA balance at - {$2700.00}, so they now owed me money. 

On XXXX I called to notify BofA. The gentlemen I spoke with, XXXX assured me this would be corrected and said he had put in a expedite request and I should have the money back by XXXX. 

I called BofA Monday XXXX and spoke with another person who said XXXX was wrong and it could take up to 5 business days meaning it would come back XXXX. 

There was nothing I could do and without that money my checking account was overdrawn by over {$1000.00}. 

On XXXX I was told by BofA that the money was released. I called chase to find out when I could expect the money. 

XXXX told me to expect the money by XXXX the latest. 

It is now XXXX and I called chase and they told me it could take up to 14 business days ( 3 weeks!!! ) from when BofA released the money. 

This is absurd. I am now stuck waiting over a month and who knows if I will ever get this money. I feel ripped off and disgusted. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. 
Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, at XXXX XXXX., I contacted Experian regarding information that wasn't and was reported on my credit report. After I requested, I received my credit report from Experian during the week of XXXX. I noticed XXXX a creditor that I have an account with was not reported on this credit report. I request my credit report from all three credit bureaus every 6 months. This is the first time and only time XXXX was not reported on my credit file. I contacted Experian more than three times and was told from multiple agencies the creditor was not reporting the information and to call the creditor and ask them to furnish the information over to the Experian. I had already called XXXX and talked to the Manager name XXXX and reported to him my credit file was not being reported to Experian. I also inquired to Experian about disputing information that was in my credit file as well as adding past home addresses to my credit file. My previous home addresses was removed from my credit file. I have past credit reports with the addresses listed. Experian transferred me over to an agent name XXXX in the fraud department. They stated they couldn't add addresses to my credit file nor were they able to do anything about XXXX missing from my file. They didn't even mark my file as fraud. The last XXXX male I talked to didn't seem to want to talk to me. He had a very unpleasant attitude. Nothing was resolved with Experian. They are trying to sell Identity Theft monitoring more than protecting a consumers credit file.
Product: Debt collection

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid.
Product: Credit card

Synchrony provides a branded consumer finance program for XXXX, presumably on an interest free basis for a short term. I made a purchase in XXXX and was asked if I wanted the interest free option, to which I agreed. Every month I received a bill, which I paid as scheduled, and usually more. However, I have been getting collection demands from Synchrony almost every month. Now, I received notice that my credit was impacted by late payments to Synchrony, but I ALWAYS paid the bills on time for AT LEAST the amount due, and usually more. After getting fed up with collection notices with no decline in the amount, I sent enough in to pay off the bill, and closed ALL of my accounts with Synchrony. Today, I got another late notice, with the same unreduced bill amount they keep sending me every month, saying that I'm delinquent. I yelled at them previously about this nonsense before I closed all of my accounts. So, I was furious. I called again, and apparently the child on the phone was scared enough to FINALLY tell me that the additional amount is a separate charge, not included in my Synchrony billing statement, for the interest free purchase. I asked why it doesn't appear on my bill, and she said I had to pull it up on the Internet. But, that I have to have XXXX XXXX to do so!!! I told her that I don't have, and have never used Chrome, and that I'm going to report this to the CFPB. Only then did she provide me with another website to go to, to FIND MY OWN XXXX ACCOUNT!!! 

Prior to this, we closed ALL of our Synchrony accounts because I got fed up with being charged late fees and penalties even when paying the full bill!!! 

Synchrony is engaging in tactics reminiscent of the 1950 's, before there were any consumer protection laws! 

SYNCHRONY SHOULD BE SHUT DOWN, or AT A MINIMUM, SUBJECTED TO SANCTIONS. The idea that I have to have a particular browser to pay my bill, and that I get nothing but late payment notices via email, is FREAKING CRIMINAL!!!!!!

SHUT THOSE FRAUDSTERS DOWN!!!!! PLEASE!!!!!!

I'm going to drive to XXXX now to tell them what a bunch of thieves Synchrony is!!!! 

By the way, I'm an attorney, practicing for over 25 years. I've never seen anything this blatantly fraudulent and corrupt from a so-called legitimate company in all of my career! 

In my case, in the span of 5 months, they racked up late charges or almost 50 % of the original charge, and I never actually received any late notice telling me which account this applied to, why it was delinquent, or how to avoid future such charges. But, that's because I don't have XXXX XXXX AS MY BROWSER!!!!!! (??? ) Please! Shut these crooks down!!!!!
Product: Credit card or prepaid card

I have excellent credit and every time I apply for the Apple Card by XXXX XXXX they require my identity. I upload my identity clearly with information matching. Within 1-5 days depending upon the 30 days that I wait they decide to decline because they cant get verification of information as per their decision. I ask if I can fax or mail they advised me that they can not do anything.
Product: Student loan

Navient and XXXX XXXX have robbed my family and I blind of any future we have from my time at the XXXX XXXX. Not only did the school and the service provider lie about the loans we took out, and options we were offered and told to repay, we have substantial evidence the school has : - Double charged us and pocketed the money - Received kick backs of money in large checks that were never used for my education, but were charged for. 
- Tampering of student loan paper work - Withholding of information that proves their guilt after 5 years or non stop requests for info. 
- Consistent deflection of answers that question the proof of the amounts owed when proven wrong. 
- Computer errors that mix up my families co-signing, trying to continuously charge us double for loans we already paid in this mix up - Deliberately not sending correspondence to the right addresses, after being told multiple times of the changes. 
- Refusing to speak with my mother about her or my loans even though we share the loans, just to deflect questions, and to give us different answers to the each of us to cause confusion - Refusal to deal with the issue over double charges and new excuses every time they are asked about it. 
- No consolidation of loans when promised during school - Numbers that do n't match what Navient/XXXX XXXX says is owed from our paperwork - Consistent misdirection by giving us false addresses to send our paperwork too, and giving us false numbers to push us away from solving issues - Harassment of payments long paid and genuine rudeness when questioned - People refusing to help any further after errors were found to avoid being singled out from doing their job in error. 
- Blatent withholding of important paperwork for years of time passed that would incriminate them - Emails of them contradicting themselves and proof of misdirection in correspondence. 
- Years of conversations cataloged in their system trying to resolve the issues.