23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

The bank said they could not find any record of where I authorized them to refuse any NSF after this consumer law passed. They had to get each depositor to sign yes or No. I said No. At least once since this law passed this bank refunded my fee on a NSF they paid without authorization. I looked in the email for it and apparently they have another policy of deleting emails after 6 months. Prior to this illegal fees theivery, all my emails were available from the day I opened the account. Several Years. Apparently so they could prove that had n't refunded with their own messages. Make them give me my money back. It 's XXXX. # XXXX Chase Bank XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Paypal refuses ton pay me the money that was paid to me for sellig on XXXX In XXXX of XXXX I sold an item on XXXX as I have done many times before and was properly paid for it trough Paypal. I shipped and the item was received by the customer and all good there. Now Paypal is refusing to release the money to me because my account is not in good standing with them due to identity verification issue. Paypal insists that I upload photo copies of my social security card via the internet which I refuse to do. I have offered to send any documentation they need via US Mail like all legitimate businesses in USA do but they refuse they even refused to provide me with an address that I can send correspondence to. In the past few years I have opened a few bank/credit card/loan accounts over the internet and nobody has asked that I upload photo copies of documents over the internet. All that said if my account was not in good standing why did they accept the payment on my behalf in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 ALSO, I am a victim of ID Theft which I can provide a police report to show this account is not mine
Product: Credit reporting or other personal consumer reports

It started in XX/XX/2024 when I called the company to change my banking info an I couldn't reach anyone! My attorney also tried to reach out to them when they took XXXX points off my credit score after I found out they had added {$2200.00} to my show of debt after I made a complaint. 
Now every month they take XXXX points an doesn't call or answer my attorney by email either. 
We can't find the company or corporate office information to confirm that they are legitimate.
Product: Debt collection

The matter is in reference to a XXXX XXXX XXXX ( XXXX ) utility account I held from XX/XX/XXXX XX/XX/XXXX. The account 's final bill was reported to XXXX XXXX XXXX as not being paid. I have attempted ( three times ) to resolve this issue directly with XXXX, yet have received no response from them. While the XXXX electric utility account was in my name, payments were handled by a third party ( a roommate ) who failed/overlooked closing out the final XX/XX/XXXX bill. In XXXX, when the final bill was past due, I did not receive any email, mail or phone notification from XXXX that there was a past due balance. ( XXXX had all of my contact info. ) Therefore, I did not have a reasonable opportunity to fulfill the obligation and make final payment before the account was reported to XXXX XXXX XXXX. In XX/XX/XXXX, I learned of the collection and immediately paid the account in full to clear the balance of {$240.00}. The collection account now shows as " closed '' with a zero balance on my Experian report. Considering the facts of this matter, I am asking Experian to remove the closed/paid XXXX XXXX XXXX account from my credit bureau report.
Product: Debt collection

I have loans with Castle Credit and XXXX XXXX XXXX XXXX in XXXX. I tell them I can't pay on time. Collector gets on the phone with me and says I shouldn't have to because both companies have been making loans in states with out beeing licensed to do so so I shouldn't have to pay. 

I said I want to talk to a manager and they put XXXX XXXX on the phone. He talks to me and starts calling me the XXXX word and threatens me saying he's going to have me arrested and put my hole family in jail. 

If they give me loans and have been doing this in states for years per their collector in states where they don't have licenses to do business I was willing to pay but then when he starts calling me the XXXX word and threatening to put me and my family in jail because we're minorities that's not right.
Product: Debt collection

I sent a letter by certified mail regarding acct # XXXX {$75.00} the company is alleging I owe this debt. This may seem petty to some but I take this serious this account doesnt belong to me. Ive attached the letter I sent requesting validation which I never receive. For this company to continue reporting this is a violation please remove account
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a bankruptcy inaccurately on my Equifax consumer report after I have disputed with them for completeness and accuracy in XXXX of 2022. They continue to report this erroneous bankruptcy report without obeying 15 USC 1681 ( n ). They verified inaccurate bankruptcy records willingly and knowingly disseminating inaccurate information to various 3rd parties without my consent. 
XXXX XXXX has also blocked all personal information from my XXXX XXXX report ( please see attachment ). Equifax should have permanently blocked and deleted the erroneous information on my consumer report
Product: Debt collection

Jefferson Capital System has a collection account on my credit report. I have disputed them three times and they are reporting as accurate. The original company is XXXX XXXX XXXX which I have never did business with this company. I am a victim of identity theft.
Product: Student loan

In XX/XX/XXXX I filled out the Fedlaon application for loan forgiveness since I had been paying loans for over 10 years and worked for a non profit hospital. I received a letter saying that they were waiting to receive information from all my lenders. On XX/XX/XXXX I logged into their online account. On XX/XX/XXXX I inquired about the why I was now paying them and not my previous lender. On XX/XX/XXXX I again inquired about the missing second loan. The beginning of XX/XX/XXXX I called Fedloan because the monthly payments were different than what I had been paying. 
I told them that I was concerned my balloon payment the last two years was going to be over {$500.00}. They did not care. I asked them if I could set up an automatic withdrawal with another amount and they said they could not do this. At the same time I also realized while on the phone that I was truly not eligible for loan forgiveness. 

Had I know I would not qualify I would have left my loan with the other lender. Nowhere did it say that the loan would be turned over even if I did not qualify. I was under the impression that they would keep track of my loan status and let me know if I became eligible. 

My loan is now going to take a couple of months longer to get paid.
Product: Debt collection

On today 's date XX/XX/23 XXXX XXXX out of XXXX, NY contacted my cell phone to talk about my debt. Having not answering the phone call being at work this company proceeded to contact my mother, my sister, and my EX HUSBAND regarding this debt. This is illegal and embarrassing!
Product: Checking or savings account

When I was invited to open this account, it says if I deposit XXXX it will give {$500.00} bonus. " {$500.00} bonus you maintained a daily balance of {$50000.00} or more for the first 90 days following the Initial Funding Period. '' But I never received those bonuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an account inaccurately on my consumer report. There was never cash given or a loan given therefore the account type listed as auto loan is incorrect. If transunion can not provide me with documentary accounting proving I received a cash loan this account needs to be removed immediately. I have attached a copy of documentation proving I never had a loan with XXXX XXXX XXXX and was paid in full for the total loss of my vehicle directly from XXXX XXXX XXXX. If there was an alleged loan given the check for the total loss of my vehicle would have been given to XXXX XXXX XXXX and not me, the sole owner of the vehicle. XXXX states that when a consumer reporting agency has reason to believe information is inaccurate in a consumer report that information must be deleted immediately upon the consumers request.
Product: Mortgage

I secured a mortgage in XX/XX/XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XX/XX/XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title deed and mortgage lien.In XX/XX/XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was Americas Servicing Company that claimed to be an injured party on all XXXX credit bureaus starting in XX/XX/XXXX. I have never signed any contract or owe any money to Americas Servicing Company. In XXXX XXXX, XXXX removed Americas Servicing Company from my credit report. XXXX and XXXX refused to remove Americas Servicing Company from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by Americas Servicing Company under fraudulent circumstances. I want them removed from all my Credit Reports immediately. Americas Servicing Company is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even Americas Servicing Company. Please help me resolve this matter as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report STILL shows I have lived in Oklahoma. I HAVE NEVER IN MY LIFE LIVED IN OKLAHOMA!! The closest I have ever lived in Oklahoma is XXXX XXXX which is exactly 354.1 miles from there. I have not nor will ever live Oklahoma.
Product: Checking or savings account

On XX/XX/XXXX a debit was made to my account in the amount of {$440.00} that I did not authorize I contacted the bank and they said it was made at XXXX in XXXX Wv. I contacted XXXX they said they had no record of that transaction I called the bank back and they temporarily refunded the money they did not tell me it was temporary and did not advise me they were sending a letter of dispute the letter came but looked like junk mail and I didnt realize who or where it was from on XX/XX/XXXX they took the money back out without any attempt to contact me causing over draft fees I spoke with them and they said to find the letter and fax it that was on the XXXX of XXXX that it was faxed I call every other day and get a run around nobody will talk to me if Im lucky enough to get a person they say its not there department and will have someone contact me but never do and I have left messages and dont receive email or call back all I want is the {$440.00} refund and the over draft fees I have received very poor customer service on this matter.
Product: Student loan

Great Lakes Student Lending XX/XX/2020 I sent email to complaint department about Billings and telling them they are emailing me past due notice and telling me Im past due for future payments. I again called today and spoke to XXXX in customer service and she filed more information. I have faithfully paid this over many years and the billing is stressful because its very threatening and its against the FDCPA to tell me Im past due when Im not due. I have paid from over $ 50k down to $ XXXX and this is a clear violation.
Product: Money transfer, virtual currency, or money service

On 2016 I was sent {$10000.00} to my checking account for proof that a person had sent what was promise in terms of me getting some gift cards for him. It was considered a personal assistant job and my duty was to provide him gift cards purchase and in terms he had given me money to buy them with his money. Money was deposit and I saw the balance reflected through XXXX and Bank of America app. First it was one deposit of {$500.00} then {$1000.00} the second day towards the end of the week I had another {$8500.00} for a total of {$10000.00} total deposit of my checking account. After I saw the proof, the money and XXXX reflected of money in my account. I purchase apple gift cards with what I thought was his money. About 20 cards of {$500.00} a total of {$10000.00} from the money he had deposited and reflected on my account. Hence, my trusting nature. It was a scam, all a fraud that somehow showed on XXXX and my actual bank the total of XXXX to the next day being back at my original balance and even negative as the money somehow vanished. I contact Bank of America and somehow the deposit was able to be cancelled or it was a fraudulent nature. Nothing got resolved and I felt scammed and cheated. All because XXXX proved to be wrong.
Product: Debt collection

The check for the full amount due ( {$1400.00} ) to the original creditor was mailed on XX/XX/2021 & cleared my banking institution on XX/XX/2021. This issue was deleted from my credit report with XXXX & XXXX on XX/XX/2021 based on my supporting documents. United Collection Bureau is still reporting this as a valid account with XXXX, which is obviously Fraud.
Product: Credit reporting

I 've repeatedly reported to Experian that people are applying for credit in my name. I continue getting alerts that my credit file is being accessed. I recently received notification of inquiries I did n't authorize from XXXX XXXX XXXX, 2017 & XXXX XXXX XXXX, 2017. These are fraudulent inquiries that must be removed by law.
Product: Debt collection

On XX/XX/XXXX at approximately XXXX, Credit Management LC called me, identified themselves as a debt collector, and informed me a debt must be paid to avoid going on my credit report. Upon further questioning, it was admitted to me that they did not own the debt. I requested an address to provide written challenge of the debt and request proof, via certified mail and was informed that they operate out of a XXXX XXXX and could not receive certified mail. They admitted to placing a phone call to me via computer in which the representative could not control, and that I could not be removed from being contacted via computer nor could a call be scheduled by them on a payment date because they could not place outgoing calls. 

This company has made repeated phone calls to me that rang once and hung up or hung up when I answered, on the following dates/times in the last month. XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

The collection was deleted on XXXX XXXX and XXXX XXXX credit reports but not on XXXX XXXX. All credit reports need to be equal and accurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

Numerous calls, from different numbers, before and after XXXX XXXX, and on Sundays. They don't leave messages and refuse to give any information without me giving them my name. They are fishing. I don't want my name in somebody's system without knowing who and why! They're calling me. They claim to not have a do not call list. The company is Portfolio Recovery.
Product: Student loan

My school was shut down ( XXXX ) and credits are not transferable. I do not feel that I should have to pay loans for schooling that I can not use. I did not finish the program and would have to start all over losing all of my credits. I contacted the loan comany and was told that they could not help me with discharging my loans.
Product: Credit card

As documented in my complaint XXXX, filed XX/XX/year>, JP Morgan is continuing to spam me with 6 different emails ( rather than 1 ) per notice, per account. This has been going on over a year and I have spent several XXXX hours now trying to resolve this. Some mornings when I wake up, I have 40 or 50 emails from JP Morgan due to the duplicate sending error. I have attached a recent example from this morning ( XX/XX/year> ) showing how they emailed me 6 different times ( 4 times on one email account, 2 times on another email account ) to let me know my billing statement is ready. They do this for each account, meaning 20 emails today, as just today 's example. This spam must stop. I should receive only ONE email per notice I am enrolled for. I have been fighting with Chase continuously and no one fixes this.
Product: Credit reporting

XXXX XXXX XXXX, was last reported on my credit file XXXX XXXX, 2015, On XXXX XXXX, 2015, it was deleted and reinserted on XXXX XXXX, 2015.
Product: Debt collection

This company ( Portfolio recovery Assoc ) ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Debt collection

XXXX certified letters within a 60 day period to Franklin Collection Service , Inc. has failed to provide the following requested information to validate an alleged debt:XXXX Signed credit application between myself and the original creditorXXXX. Copies of all signed vouchers from the date account opened until defaultXXXX. Copies of all statements from the date account opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreement that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contract Franklin Collection Service, Inc.purchased the alleged debtXXXX. If the alleged debt was purchased, provide a copy of an agreement between Franklin Collection Service , Inc. and myself, signed by me, stating that I have a contractual responsibility to Franklin Collection Service , Inc. for the alleged debtXXXX.Provide proof that Franklin Collection Service XXXX Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claim is now considered invalid and all collection efforts must be stopped and the account must be deleted from Franklin Collection Service , Inc. Franklin Collection Service , Inc. can not validate their claim, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Franklin Collection Service, Inc.of their infractions and that the alleged debt must be removed from their account immediately, and it also must be removed from all credit reporting agencies. Thank you.