23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I ordered a PayPal prepaid Mastercard, I opened the account in XXXX. I started receiving my unemployment benefits to the account in XX/XX/XXXX the benefits were direct deposits. The last date I had access to these direct deposits were XX/XX/XXXX. I had more payments direct deposited to the account in XX/XX/XXXX. These deposits in total were {$7000.00}. Theses deposits are the ones I'm trying to find and gain access to. The dates of these deposits are XX/XX/XXXX and XX/XX/XXXX. I have been trying to gain access to this account for two years. I've been working with Paypal prepaid Mastercard as well as Paypal and NetSpend who I've sent all my government documents to prove my identification. I can't remember the email address I used when I opened the account or the phone number or card number. I believe they should be able to locate my money with these documents. I haven't had any luck with these companies in hopes of getting any closer to obtaining my money. I've done everything they have asked me to do and still no account with my direct deposits have been found. I have went to my local unemployment office to try and obtain the account number the funds were deposited into to give to Paypal prepaid Mastercard and was told they don't give out account information even to the account member. I am trying to obtain these funds before they get sent into a unclaimed money account in my state. I'm having to pay taxes on this money and I never received it. I need help with this please help me. Thank you
Product: Debt collection

Very siimple ; Law firm/Collection agency : Andreu, Palma, Lavin & Solis , XXXX XXXX , Florida is a assembly line collection agency who I made an agreement with to pay {$75.00} a month until the balance was paid. Now they garnished my wages because apparently each month isnt coming fast enough for them. The debt represents interest supposedly 'owed " The principle was paid several years ago. They have asked the court for payment on a number which doesn't even take into account the {$450.00} already paid towards the debt. The court has been notified of my position and supplied with documentation to see the trickery engaged by this Florida firm.
Product: Debt collection

I receive numerous calls from a couple of different numbers claiming to be collecting for American Express. The " representative '' ( XXXX XXXX ), with a heavy XXXX accent, left a voicemail message. The message claims that they are trying to collect on an old account with a balance of {$5100.00} and that they can settle the account for {$2800.00}. Once I did not answer or return the initial calls then the " representative '' proceeded to call me back to back from one number 5 times ( within a two minute period ). Then the " representative '' proceeded to call me from yet another number ( It sounded like a cell number while riding in a car or on a train ... I could hear the wind in the background ). On this message she, the same woman, left a totally different name XXXX XXXX XXXX, but she had the same heavy XXXX accent. She then proceeded to call me back to back from this cell phone 9 different times ( within a 6 minute time frame ). This is really becoming disruptive and a true headache. Please HELP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified TransUnion on numerous occasions about the inquiries that are being reported by them. I have contacted the companies like I was instructed to by a transunion customer service rep and they explained to me that they do not have anything on file under my social security number. 

I sent transunion a letter letting them know that and they still refuse to remove the inquires. I sent transunion a letter asking them to send my the documents that they have that show these inquires are valid, but each time I have contacted them they have failed to send me the information I have requested.
Product: Credit card or prepaid card

Currently due to pandemic my income became short and going through financial challenges, and becoming XXXX XXXX positive. I have add credit cards with Jpmorgan Chase bank for years and never been 30 days past due. However this time I was reported negative for {$32.00} and I have called to make a dispute as courtesy which they are unwilling to help.
Product: Credit reporting or other personal consumer reports

My account with those accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have noticed that there is information on my consumer report that is a result of identity theft. I did not authorize nor provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on a basis of a material misrepresentation of fact by me relevant to the request to block then identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. 

You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date oof the receipt of this notice. I look forward to your response. 

Thank you! 
Sincerely, XXXX XXXX
Product: Debt collection

I filed a previous complaint against AR Resources , Inc. number XXXX, regarding their unfair, deceptive and misleading business practices. They blatantly disregarded my request for compensation in the documentation I provided due to their civil liability for violating my federally protected consumer rights under the Fair Debt Collection Practices Act. I also contacted AR Resources , Inc. by mail on XX/XX/2022 which they received XX/XX/2022 and they still have not responded. I'd also like to note that in my previous complaint number XXXX, AR Resources , Inc. stated they closed account XXXX in their office due to fraud, which they have both evidently and willfully committed against me. The documentation I provided is proof of that, so I'm giving them the chance to act in good faith and rectify their affairs for their unlawful business practices before I proceed with litigation.
Product: Debt collection

I asked for validation of the debt via their online contact us chat in the beginning of XXXX and the lady threatened to sue me and that wage garnishment can occur. She scared me and coerced me to pay even though I repeatedly asked for accuracy and validation be provided. She said I can dispute it after I pay and to just pay to prevent lawsuit and judgement against me. I paid because I was frightened not because I owe the debt or know of the debt. I then sent and tracked a letter dated XX/XX/XXXX asking for all allowed validation of debt documents per the FDCPA including the signed contract or agreement and I did not receive all required to validate the debt. I received XXXX credit card statement and a letter for them. I also advised in that letter I sent that I was disputing the debt and that they can not contact me. They sent multiple statements and still tried to contact me via mail. Today I reached out again and the representative said it was still in process I asked what that meant and he refused to help I advised my social security card was stolen in XXXX and that I no longer had the original police report. He refused to assist on the status of these accounts and ended the chat on me ( hung up ) I have not received debt validation. They refused to help with questions and threatened me. I took screen recordings of every conversation and have the tracking number and copy of letter that I sent requesting the information I am legally entitled to.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Debt collection

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never conducted business with the company nor have they provided me with goods or services.
Product: Checking or savings account

On or around XX/XX/XXXX I used an air pump machine that did not work. I reported this to cash app and they did not assist me in retrieving the XXXX from machine they adversely deactivated my card usage and would not tell me over the phone why this happened. I requested a supervisor call back they stated someone would email me. The supervisor reached out to me on XX/XX/XXXX advising me that they could see I was able to order a new card and I should be good. I received the new card in mail and I am unable to activate the new card and was given the same reason given when I initially called customer service regarding my card wasnt working. Today when I called them I was given same reason that my card status was deactivated I requested a supervisor and representative disconnected on me.
Product: Credit reporting or other personal consumer reports

DEAR SIR I HAVE BEEN ASKED BY DEPT OF JUSTICE, US ATTORNEYS OFFICE TO WRITE TO YOUR OFFICE. 
EXPERIAN HAS BEEN CONTINUOUSLY REPORTING INACCURATE LATE PAYMENTS, AND DEDUCTING EACH MONTH XXXX POINTS FROM MY CREDIT SCORE FROM LAST YEAR XX/XX/XXXX. 
JUST TODAY XX/XX/XXXX, I WAS ALERTED THAT EXPERIAN DEDUCTED ANOTHER XXXX POINTS FOR UNEXPLAINED REASONS. 
XXXX XXXX XXXX  HAS BEEN PAID, FOR THE ANY PAST DUE. THERE IS NO PAYMENTS DUE AS OF DATE, BUT EXPERIAN HAS REPORTED LATE AGAIN JUST TODAY. 
THIS IS TOTALLY WRONG AND FRAUD, SCAM FROM EXPERIAN I WOULD LIKE YOUR OFFICE TO PLS ASSIST ME IN THIS MATTER
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX US BKPT CT XXXX XXXXXXXX, 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
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract NATIONAL CREDIT ADJUSTERS. They did not provide me with the original contract as I requested.
Product: Student loan

I was recently shocked to learn that my credit card had been terminated due to either " recent delinquency, '' or a " public record reported '' by a credit bureau. This prompted me to access my credit report through Experian, at which time I discovered that my federal Perkins loan was in default after having been sent to collections. I had never, in any way, been contacted by my lending company, ( Campus Partners, now Hartland ECSI ) - meaning, I never received a Notice of Intent to Offset ( a written notice of the type and amount of the debt when a loan is delinquent ). This notice is guaranteed to me through my rights as a debtor and is described in the Federal Register, under 31 U.S.C. 3716 ( Document Citation - 78 FR 41677 ). Additionally, I never received monthly billing notices regarding this debt. Neither the collector ( XXXX XXXX , XXXX ), lending company, nor educational institution ( XXXX XXXX ) has been capable of telling me the amount that I owe. As I understand it, according to the Policy Direction Memo on Federal Student Loan Servicing from the XXXX Department of Education, this information, along with my Notice of Intent and monthly billing notices, are assets I can reasonably expect within this situation, and yet they have not been afforded to me. 

However, this is not merely or primarily an issue of default, as I am fortunate enough to be in a position to pay off the loan in full ( and have been since the loan fell under repayment ). The real problem has been the damage done to my credit report. I am reluctant to simply pay the debt in total because that might mean forfeiting the possibility of expunging my record of the loan 's default and collection status. Had I received any communication at all - written, electronic, or even a phone call - this loan would never have been sent to a collector or placed into default status. I fear what might have happened had I not been prompted to look into the situation further after my line of credit had been terminated. My hope is that I may pay the loan off in full as quickly as possible and have my credit report restored to its previous condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand to DELETE immediately those accounts or I will file a litigation that cause me stress.
Product: Credit card or prepaid card

This complaint follows complaint # XXXX I made a complaint against Capital One, and they did answer. 
While reading Capital One answer, I realized many mistakes or incorrect information. 
I decided to prepare a response letter, but I was surprised that it was impossible to download an answer. I found that it is not fair that someone complains, the company answers, and that's the end. It is clear that companies know that they have the last word on all complaints. 

I called CFPB, and a rep told me to start another complaint and to join all past documents to have the entire file. 

That's what I am doing now.
Product: Debt collection

I found some old medical debt that I was unaware of on my credit report, I reached out to the company to set up a payment plan. When I called I had them give me the contact information they had on file ; I informed the lady on the phone that I was completely unfamiliar with the address they had on file and it certainly was not the address the medical office had on file at the time of service. I updated their contact information to include my legal last name, my current address and current employment ; then I proceeded to try to set up a payment plan that I could afford as I really do want this situation rectified. My payment plan offer was refused and the call was ended. I called back a couple days later the next woman I spoke to mailed me a copy of the debt and hung up. I made several calls to them over the next few weeks, I left many messages as I could not get through to an actual person and none of my calls were not returned.
Product: Credit reporting or other personal consumer reports

Today, I'm complaining to notify you that I've been subjected to identity theft. After researching how to address the fraudulent entries on my report, I discovered the necessity of visiting the FEDERAL TRADE COMMISSION to file a report. According to FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed in an identity theft report. Attached are the documents to aid in blocking the inaccurate information that has been appearing in my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX  Balance Owed : {$110.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT ASSETCARELLC/CAPIOPART XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ASSETCARELLC/CAPIOPART XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time.
Product: Checking or savings account

XXXX XXXX XXXX debited my checking account on XX/XX/2018 for {$160.00}. It stated that this was done via telephone. I did not authorized this payment. I notified my bank and they are looking into this matter as well. I tried calling XXXX and they gave me the run around.
Product: Money transfer, virtual currency, or money service

I downloaded the Albert app about a year to try with a free trial. However when the free trial was over I did not want to continue using this service and cancelled the account. After I cancelled they charged my checking account {$14.00} for the subscription without permission. I have sent email after email stating I do not have an account with them nor do I want one and I have demanded over and over again that they stop charging my account. I have not received a response from them and even after all of this time they attempted to charge my account again today. While looking online trying to find a way to make them stop I have seen many people having the same problem with this company. I do not understand why nothing is being done to stop this business from stealing peoples money.
Product: Credit card

USAA offered a promotional balance transfer for 0 % for 12 months with XXXX transfer fee. The problems come with the way they are applying my payments. They are applying my payments only to previous statement charges. I made payments for new charges, but they applied them to my 0 % balance transfer balance from my previous statement instead of applying it to new purchases that were accruing interest, lowering my 0 % balance. Is this legal?