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

The student loans are showing on my credit report twice 3 open and same 3 closed
Product: Debt collection

Complaint is against Midland Credit Management Inc. Original Creditor XXXX XXXX This debt is 10  years old. I had disagreed with amt reported when I was originally contacted by mail by Midland Credit. They had reported this on my credit for years and I was under the impression this dropped off have n't heard from them in years- Home phone number was the only number provided and They stopped calling and mailing anything some time ago. <P/>XX/XX/XXXX XXXX XXXX I get a strange call on my cell, the person was male and very hard to understand he refused to identify the company her was calling from and transferred me. The Next person who gets on the line also very difficult to understand and initially also would tell me who he was calling from- when he did he immediately started yelling at me- most of which I could n't understand- when I figured out it was midland, I point blank told him the debt was over 6 years old I was n't paying it and did n't agree with it. I told them not to call me again they were violating my state law. On XX/XX/XXXX I received an offer from them dated XX/XX/XXXX trying to get me to pay XXXX. I filed it away. I was laid off in XX/XX/XXXX and in XX/XX/XXXX I was made and offer of employment and It required a back ground check- and low and behold is a listing under civil Claim stating a JUDGEMENT supposedly from XX/XX/XXXX. I was never served papers for this, AND I have refinanced my home twice and have changed jobs ( which all require a background and credit check ) where this was not listed. The Credit report also staes an amount double of what Midland is offering me to pay- which I ca n't imagine happening IF they had a Judgement. Yesterday I received a notice from XXXX letting me know I had something reported to my credit that is a negative- it is MIDLAND. I think this is illegal and at this date now bogus and I do n't appreciate being threatened and then false info deliberately being reported on me. Particularly since this can effect my ability to get a job. This would have shown up and I would have been required to pay it had it not gotten too old- I do n't think it is legal to even put this back on based on age, original amount AND the fact there is no JUDGEMENT!
Product: Debt collection

transunion., has a chapter XXXX which is pay retrieve by XXXX  .the us court does not reply to transunion
Product: Vehicle loan or lease

Was aggresively told I should get gap insurance or chances of loans might change, and that it could be removed after a couple of years to reduce my car payments. Yet, when attempts to call the loan services that was not possible. Should have never gotten this gap insurance.
Product: Credit card or prepaid card

A XXXX prepaid gift card was purchased at XXXX on XX/XX/XXXX for {$50.00} which does not expire until XX/XX/XXXX. Upon checking the balance and putting in the card number and the pin I found out the card has no balance. I called the number on the card several times in the past years and when I gave the security code of XXXX is incorrect. I called them again on XX/XX/XXXX and spoke with XXXX at XXXX am, XXXX at XXXX am who was rude, raised is voice and spoke to me in a tone I didn't appreciate. He told me it was purchased at XXXX on XX/XX/XXXX for {$50.00} but that there were no purchases on this card and that the problem could be with the information entered upon purchase of this card at XXXX I was then referred to XXXX and after talking to XXXX that same day, XX/XX/XXXX who told me she could not pull up the transaction and I was then referred to XXXX XXXX XXXX and spoke with XXXX in the XXXX who did not help me.I left a message for XXXX management to call me back but haven't heard from them. 
I called US Bank National Association today XX/XX/XXXX and received no assistance.
Product: Debt collection

Dear XXXX, Subject : Formal Complaint Against Synchrony Bank and XXXX XXXX XXXX and Request for Investigation and Compensation I am writing to formally request an investigation into the practices of Synchrony Bank and XXXX XXXX XXXX XXXX XXXX ) regarding the improper handling and sale of my private medical information. 

Background In XX/XX/year>, Synchrony Bank charged off a debt related to a CareCredit account. I was informed that I could settle this debt for {$900.00}, and I paid {$880.00} over the years. However, XXXX is now requesting a balance of {$4300.00}, which I believe is incorrect. Despite my attempts to have this debt validated, XXXX  has failed to provide proper documentation. Instead, I was simply told over the phone that the debt was valid and authorized by Synchrony Bank CareCredit. Following this, I made an agreement to settle the debt and paid {$880.00}. Since 2018, I have been harassed with letters and phone calls from XXXX, causing significant financial and emotional distress, especially during the pandemic. 

Violations by Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX and Accountability Act ( XXXX ) Synchrony Bank disclosed my private medical information to MCM without my consent, which is a violation of XXXX. 

Violations of the Gramm-Leach-Bliley Act ( GLBA ) Synchrony Bank did not provide clear and conspicuous privacy notices or an opt-out opportunity before sharing my personal information with MCM, violating the GLBA. 

Violations by XXXX XXXX XXXX XXXX of the Fair Debt Collection Practices Act ( FDCPA ) Section 805 ( Communication in Connection with Debt Collection ) [ 15 U.S.C. 1692c ] : MCM has repeatedly mailed letters and made phone calls to me at inappropriate times, causing harassment.

Section 806 ( Harassment or Abuse ) [ 15 U.S.C. 1692d ] : The persistent and aggressive attempts to collect this debt have caused me significant distress.

Section 807 ( False or Misleading Representations ) [ 15 U.S.C. 1692e ] : MCM has not provided clear or truthful information about the validity of the debt.

Section 809 ( Validation of Debts ) [ 15 U.S.C. 1692g ] : MCM failed to provide proper validation despite my requests. 
Supporting Legal Precedents and Cases XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case highlighted the necessity for MCM to provide clear documentation of the debts validity. Failure to do so can result in legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Demonstrated the importance of proper debt validation and adherence to FDCPA requirements. XXXX  failure in this regard has been successfully challenged in court. 
CFPB Settlement with XXXX : In a significant action, the CFPB settled with XXXX, requiring them to pay consumer redress and a substantial penalty due to their deceptive practices, lack of proper documentation, and attempts to collect time-barred debts.
Product: Credit card

I asked them for help balancing my account but instead of sending me the things I need to do do successfully carry out my God given rights, they closed my account further depleting quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset to the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determined my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirmed that your information posted in my file are correct? I never received any notice from these companies that my dispute is truly mine or correct? As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind. 
XXXX XXXX XXXXXXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$1600.00}.
Product: Student loan

I wanted to get my XXXX  license, so I applied and was accepted into the Program. I needed financial help so I applied for a SallieMae student loan in XXXX and borrowed $ XXXX@ 2.5 % interest. I graduated from the program in XXXX and six months after I graduated I started repaying my loan in XX/XX/XXXX at {$130.00} as requested, in XXXX of XXXX SallieMae wanted {$260.00} a month which we paid until XX/XX/XXXX. We believe that the loan should have paid off in XXXX. We had been struggling to meet bills and could no longer meet the bills and we lost our home in XX/XX/XXXX. I received a job as a XXXX  in XXXX, in XX/XX/XXXX SallieMae filed a garnishment on my wages at 15 % of my earnings which they received {$1000.00} according to the facilities records and the garnishment continued till XXXX totaling {$43000.00} garnished from my pay, I also paid in {$830.00} in XXXX & XXXX. We moved back to XXXX   and I returned to work at my former job in XXXX and paid in {$1500.00} in XXXX, in XXXX SallieMae garnished my wages for {$1200.00} They refuse to provide a copy of the original loan agreement or to account for my payments and the garnishments they have taken. In XXXX Navient, SalliMae 's collection agency recieved {$1500.00} from our tax return, we believe that we have over paid on this loan by {$53000.00}, we ask for your help. We have contacted SallieMae and The US Department of Education and XXXX at XXXX XXXX XXXX, none will produce the original loan agreement or account for the Payments and Garnishments made on this loan, they also say that I signed a loan agreement with them in XXXX which I did not, and we have sent numerous letters demanding an accounting of this loan and the original loan, which is my right.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX   XXXX XXXX, XXXX, DEPTEDXXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash app is fraudulent they have no legitimate customer service they dont even get bak to ur emails. My brother in law and sister cash apped me funds accidentally thru ther account then requested them bak and now cash app is trying to charge me for the the funds I returned to the requested individual. Whether its cash app the bank or possibly my family members trying to rip me off whoever it is I returned the funds I have the proof theres a trail so cash app has to get the person who has the funds whos committing the fraud I gave bak the funds I didnt exhaust none of it so y am I getting a negative {$700.00} balance I will not allow this to mess up my credit I returned the funds
Product: Credit card or prepaid card

In short, I went to a auto tint shop to have my XXXX  XXXX XXXX XXXX tinted. I wanted the car tinted specifically with one piece of film in the rear glass. The shop did it in two pieces without my consent. Also the two rear door glass was not aligned with the glass. 

Citi bank ruled in the merchants favor. Im confused how they got to that ruling with the given circumstance. The service was not done correctly. When I reached out to the merchant, the merchant threatened to rip it out of my car therefore I am scared to return with my car. Please help. 

Please refer to attachment for the full story and also included pictures for proof.
Product: Credit card or prepaid card

XXXX - repeated issues and internet communication with the XXXX XXXX  AND MALWARE PROGRAM Representatives. 

XX/XX/XXXX - I CANCELLED AND UNINSTALLED THE PROGRAM ON MY XXXX XXXX XXXX. MY LAPTOP WORKED PROPERLY AFTER UNINSTALLING THE XXXX PROGRAM. 



XX/XX/XXXX - I RECEIVED A DISCOVER CARD LETTER DATED XXXX XXXX THAT DISPUTED MY DISPUTE OR MY PROOF OF CANCELLATION AND NO USE OF XXXX. 

XX/XX/XXXX - I SPENT 32 MINUTES TALKING WITH A REPRESENTATIVE NAMED XXXX WHO ANSWERED SOME QUESTIONS ON THE MICROSCOPIC CHARGEBACK OF THE {$130.00} XXXX. SHE SAID " 3RD PARTY ACQUIRORDER AND RECURRING CHARGE. SHE SAID DISCOVER NEEDS CANCELLATION CONFIRMATION FROM XXXX. '' XX/XX/XXXX - I PAID DISCOVER CARD {$64.00}. 

XX/XX/XXXX - MY LETTER TO DISCOVER CARD REGARDING THE XXXX LAB {$130.00} PROOF OF CANCELLATION. 

XX/XX/XXXX - DISCOVER DID NOT APPEAR TO UNDERSTAND I HAD CANCELLED THE XXXX XXXX XXXX PROGRAM. 

XX/XX/XXXX - IT DOESN'T TAKE A XXXX LAWYER TO SEE THIS ITEM WAS CANCELLED!
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to XXXX XXXX. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my XXXX XXXX XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased " XXXX XXXX XXXX XXXX XXXX XXXX for 5 Users, XXXX, Download ( XXXX ) '' from XXXX. I installed the software on a couple of computers and realized that I needed to purchase an additional license so I would have 6 users. 

I contacted XXXX  and they told me that I could not add an additional user to the license that I had already purchased. They said that I must purchase a new license ( for 6 users ) from them and that XXXX would give me a refund for the 5 users. I purchased the new 6 user license from XXXX and they told me that they cancelled the license purchased from XXXX. I finished installing on all 6 PCs and everything works just fine. 

I contacted XXXX to get the refund for the license that I can no longer use and they tell me that absolutely, under no circumstance can they offer a refund on " downloadable content ''. The truth is, XXXX is not selling XXXX  as downloadable content. The software is free to download from XXXX. It just can not be used for more than 30 days without a license. So I am stuck. XXXX will not give me a refund. What to do?
Product: Student loan

I submitted a complaint to you ( CFPB ) on XX/XX/XXXX asking for a school misconduct form for my almost 20-year loans with Navient for an art institute school. On XX/XX/XXXX, I received a rejection of my school discharge application form Navient. When I requested more information and criteria as to why it was rejected, I received an even vaguer response about " holistic viewing '' of the entire app as the reason ( received XXXX ) My 34 page application provided evidence of the school intentionally distorting job placement stats, pressure from the recruiter due to my older age, and career placement assistance that was touted as top-notch. I only received job " leads '' for minimum wage restaurant positions, not in graphic design. I provided screenshots from the website in XXXX, when I attended, that showed great career placement stats and also provided the sworn XXXX testimony confirming the intentional fraud. 

The US Government has even identified these loans as predatory. 
I have never been in default and I believe this is why they refuse to release my loans. Navient increased my interest to 10 %, guaranteeing I will never be able to catch up and pay them off even though my previous interest was 3.5 % and I also have near-perfect credit. 

Responding that they look at the loans " holistically '' is not an answer to why I was denied.
Product: Credit reporting or other personal consumer reports

recently reviewed my consumer report and I noticed that there were XXXX late payments on my account with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX for the month of XX/XX/202XXXX XXXX XXXX XXXX, XXXX for the month of XX/XX/2023 be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Debt collection

Receive letter from Zwicker & Associates, P.C. who are supposed the law firm retained by XXXX XXXX XXXX XXXX. I submitted complaint with CFPB in form of a validation of debt letter/cease and desist, Affidavit of Truth, Invoice for federal violations accompanied with Exhibits. Copies were mailed physically to Zwicker & Associates P.C. as well. Since this prior submission of these documents. Nothing positive with respect to U.S. Codes was resolved. In fact XXXX XXXX somehow had XXXX  send me correspondence telling me the consumer, natural person and original creditor pursuant to 15 USC 1602 ( g ) that the alleged debt ( this alleged debt is a charge off which there is no definition in law to define what this is, and I never consented to this being in any of my consumer credit reports ) was verified and also that it was mine. I never validated any alleged debt so it'll infuriated me tremendously to read that a credit reporting agency basically told me an alleged debt was mine without giving any law to justify so. This is truly depressing me. I feel extremely threatened due to the stature of XXXX XXXX believing they are above law which was enacted by Congress. So I'm submitting another Affidavit of truth including Zwicker & Associates XXXX, XXXX by XXXX XXXX also known as XXXX XXXX XXXX, XXXX, XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was unable to pull my credit report due to a glitch in my unlocked security freeze on my XXXX  account so they used LexisNexus/parent company. LexisNexus reported a XXXX XXXX XXXX. I have not had a XXXX XXXX XXXX in over 5 years. My XXXX score is over XXXX and my XXXX  score at the time was XXXX. I dont know what information LexisNexus is using, but clearly their information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account opened on XX/XX/2015. There is not date that I or the company even closed it credit limit was XXXX XXXX Balance I owe in XXXX XXXX Status is a charge off. Called company and asked them to remove this from my credit report since I owe nothing. Actions were not taken because the company sold my account information.
Product: Credit reporting or other personal consumer reports

Both of my XXXX XXXX credit card account status is incorrect with XXXX, XXXX and Experian. 

My XXXX XXXX XXXX XXXX status is being reported incorrectly. 

Both of my XXXX XXXX XXXX XXXX accounts are showing closed however they are open and active. 

I received credit report alerts stating that my XXXX XXXX XXXX XXXX have been closed however, that is incorrect they are open and accounts. 

Reinsert both of my XXXX XXXX XXXX XXXX to an open and active status. 

My XXXX XXXX XXXX XXXX status is open and active not closed. Please correct. 

I have attached documents from XXXX XXXX  showing both the CREDIT CARDS accounts are ACTIVE and OPEN.