23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I deposited {$4000.00} dls cash at a Bank of America ATM inside the branch located in the city of XXXX CA. The ATM machine returned XXXX dls and kept the rest. While processing the deposit, the ATM machine crashed/ broke and kept my deposit. The money kept by this atm did not appeared as a deposit and the machine id not give me a receipt. I contacted the bank manager but she said that those atms are serviced by a third party and to call the number on the machine. I called and filed a claim right after but up to now, the bank refuses to credit my deposit. This problem is making all my payments be late and the companies will be assessing late fees. BofA refuses to pay for those late assessed fees. Please help me get my money back. The money has been in their possession since XX/XX/XXXX and still there is no progress in their investigation. I really need help desperately. 
Dispute / complain number is XXXX claims phone number XXXX
Product: Student loan

Since Navient took over my student loans, Ive had nothing but problems. I dont think the company is applying my payments to my loan. Ive been requesting my student loan tax document multiple times since early this year. However, Navient refuses to provide me with this document. I had to file my taxes without my student loan information from Navient. It is XXXX and I still havent received my student loan tax document from Navient!!!!!!!!!!!!! 

The company stated that I had several payment options including applying for an Income Based Repayment Plan to avoid default. I applied and was approved for an income based repayment plan of {$100.00} in XX/XX/2019. Even though I dont know where my payments are going, I sent payments of {$100.00} in XXXX and XX/XX/2019. However, Navient is still threatening to default my loan. This company is a scam. They are back to their silly games of refusing to send me my bill statements again now also. They dont want me to know my account information.
Product: Credit card or prepaid card

I was charged a cash advance fee for a transaction that I didn't approve. I immediately contacted the company ( Capital One ) and spent over an hour on the phone with them. I was told that I was unable to either receive the transaction itself credited back, or the cash advance fee.
Product: Credit card or prepaid card

I made a payment of XXXX on the credit card and the funds were deducted from my checking account and received by the credit card bank but not made available to me as credit. This took place on XX/XX/21. This not the first time that this has happened. They advised me that the funds would be available in 7-10 days. That means they are using my money for 7-10 days for investment or other uses. In addition they arbitrarily lowered my credit limit without advising me and as a result I had a purchase declined.
Product: Credit reporting or other personal consumer reports

I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 60288. I have the right to privacy 15 U.S.C 1681 section 604 a section to it also states a consumer reporting agency kid furnish an account without my written consent 15 US code 1681 a Report containing information solely as to transaction or experiences between the consumer and the person making the report. Please investigate the completeness of every piece of information in accordance with the fair at credit reporting act these accounts have violated my rights and need to be deleted
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without mv written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any pupose
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I am in the transportation business and I purchase vehicles from various dealerships in and near the southeast region. Multiple times I advised and strongly suggested the financial managers of these dealerships not to run my credit with all these financial institutions. These hard inquiries regarding credit and the auto loans associated with my credit report were not authorized by me. According to Fair Credit Act laws enacted by Congress, these financial institutions are in direct violation of my privacy rights. I gave no written consent for or authorization for any of these hard inquiries to be on my credit report. As I strive to grow my business that has been a hindrance to scale my business as they are a detriment to future lenders. 

Please Remove All of these Hard inquiries from my credit report as they are harmful to me and my family 's forward progress. 


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 EXPERIAN XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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

Portfolio Recovery Associates is falsely reporting to the Credit Reporting Agencies as a Factoring Company, which is a violation to FCRA because they are actually debt collectors. A " factor '' is one who buys corporate receivables at a discount - not a debt buyer dealing in uncollected bad debt. 

In addition to PRA reporting to the Credit Reporting Agencies as a Factoring Company, PRA is also reporting other inaccurate information to the credit bureaus as described below. ( See attachments as proof ) I have filed disputes with all 3 credit reporting agencies, and I have attempted to contact PRA for removal to no avail. I have also filed a complaint with the XXXX XXXX XXXX without success. 

1. My XXXX  credit report is still listing Portfolio Recovery Associates as a Factoring Data Account Type as of XX/XX/18. This is deception, as I never opened a data factoring account with PRA. Collection accounts are not data factoring accounts. 

2. Portfolio Recovery Associates is reporting as a One Month Term on my XXXX credit report from XX/XX/18. I never signed an agreement with PRA as to terms or as to when the debt collector purchased the debt. 

3. The date opened is inaccurate and doesnt even match on the 3 credit reports. PRA is reporting inaccurate data on my credit reports as of XX/XX/18. 

4. The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Product: Payday loan, title loan, personal loan, or advance loan

I have requested Westlake financial to send me a final pay off letter and they told me it would be here two Fridays ago. And still havent received it.
Product: Debt collection

Oh XX/XX/2024 I received a debt collection notice and invoice from the Debt collection agency Midland Credit Management in the amount of {$710.00} from original Creditor XXXX XXXX. 
The MCM account number for this is : XXXX. 
I am a current victim of identity theft which I have filed an official notice and claim with the Federal Trade Commission which will in turn report this to the local police and government agencies that handle these matters. 
I have numerous fraudulent accounts that have been verified as a result of identity theft once the investigation has been completed. 
This collection attempt is not my debt as I have never owned a XXXX XXXX  credit card in recent years. 
This agency needs to remove this from collection and close this account immediately as I have all the proper documentation to prove my claim and will include along with this complaint and statement. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was never notified that my account was going to collections. I could have paid the account in full before going to collections. This is unfair practices and unprofessional. I paid the debt owed in full and should not have been charged collection fee if I was not notified.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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: Debt collection

I was called by an agent of Jefferson Capital Systems , LLC, who stated that they were attempting to collect a debt to XXXX in the amount of {$98.00} and change.. 

I checked my XXXX records going back 3 years. There are no transactions listed in the {$80.00} to {$100.00} dollar range.
Product: Debt collection

Date of medical service : XX/XX/2020 Location : XXXX XXXX XXXX XXXX XXXX, XXXX, GA Amount : {$640.00} Action taken by me : Patient balance of {$90.00} has been paid ; my insurance XXXX XXXX XXXX XXXX has paid {$1100.00} The unrecognised company The XXXX XXXX XXXX located in XXXX XXXX, Main, sent me an Invoice demanding me to pay extra {$640.00}. I wrote to them asking their relation with XXXX XXXX XXXX ; but no response! Finally, they sent my debt to collection agent I. C. System , Inc dropping my credit score by more than 34 points.
Product: Credit card or prepaid card

Hello I have one credit card left on my account that I have been trying to dispute for almost two years. I had total of 3 credit cards, now I just have one because I paid off the other two. again I was trying to dispute it but the capitol one company have been giving me hard time.the account is close and send to debt collection. Again I paid the other two and I told them between the two cards I gave you guys XXXX is it something that can be done with the last card. I paid the other two XX/XX/XXXX  and XX/XX/. This last card is XXXX balance on it the last payment I made on it wasXX/XX/XXXX. The account status is closed, and Its charged off as bad debt canceled by credit grantor. They have no information of me. They been hounding me for the money ever since and its affecting my credit score drastically.
Product: Credit reporting or other personal consumer reports

I have been an authorized user on my XXXX XXXX Account for over one year. This credit line has always been included in my total credit line and has a positive effect on my total credit usage and credit score. 

In XXXX of 2023, I received alerts from Experian Credit Member Services stating that my credit score had decreased by XXXX points and that my credit line had been reduced by XXXX points which caused my credit rating to go from good to fair. 

The XXXX account currently reflects that I am still an authorized user with a credit line of {$19000.00} and a {$0.00} balance. 

I have requested multiple times for Experian to correct the credit line, total credit usage, and score. They are refusing to do so even after having correctly reflected the account and credit line in the past. 

I am currently seeking to acquire a home. This action has caused distress and reflects negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX XXXX  XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXXXXXX XXXX XM, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer XXXXay exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, 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. XXXX XXXX  and 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 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: Consumer Loan

I 've had a loan with Opp Loans ( Opportunity Financial ) for over two years, and had always made my payments on time, they raised my credit line from {$1600.00} to {$2200.00} because of my record. 

In XXXX 2016 I became unemployed, at first they worked with me for what I could afford, then they pressured me to try to make payments I could n't afford ( in XXXX of 2016 ). I tried to keep up, but ultimately I could n't any longer. 

Finally in XXXX of 2016, the collections manager ( XXXX ) said to me to log into the website and to make weekly payments of what I could afford, so there 's activity. He said as long as I made these weekly payments, no interest would accrue, I 've done this for 3 months now. 

I had a payment due XXXX XXXX, I forgot to make it, so I made it one day later on XXXX XXXX, I 've made another one today, XXXX XXXX. 

It seems their system does n't recognize my payments, as they added {$230.00} of 'interest ' to my balance, and send me threatening emails and texts every other day.
Product: Checking or savings account

I opened my account then a deposited a few checks. 

The bank claims they weren't able to verify the checks. So they closed the account after a few months I finally managed to contact them. And they told me I have to go in to a branch with the person that gave me the checks. I went in and they confirmed everything. But then I only got 1 checks from the bank with half the amount I was supposed to get .... after a few weeks Waiting I called the bank again then they told me I have to go in again and verify again .... which doesn't make sense.. but unfortunately now due to the circumstances I can't go in to the bank. So the bank has to either send me my money or send it back to the original person that gave me the check. They have no right on holding my money for so long.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX 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: Payday loan, title loan, or personal loan

I wrote a check on XX/XX/XXXX to secure an unsecured cash loan from Check Into Cash. I was enduring financial hardship at the time and was unable to repay the loan. Multiple times the check I had written for {$580.00} was deposited into my account. Every time, it was returned due to insufficient funds. Every time that occurred, I was forced to bear a {$37.00} returned check fee. On XX/XX/XXXX I made arrangements over the phone with Check Into Cash to pay 4 payments to pay off the balance of {$580.00}. On or around XX/XX/XXXX the check was again force deposited for {$580.00}. This amount was returned again due to insufficient funds causing me to bear a {$37.00} returned check fee. This was unfair due to the fact that we had set up arrangements to pay this amount. After contacting Check Into Cash, I was given assurance that this {$37.00} would be removed off of the balance that I owed Check Into Cash. I made all payments that I was able to up until I lost my job due to the Covid-19 Pandemic. I then was unable to make the payments that we had agreed upon. I had my balance down below {$450.00}. Check Into Cash then on XX/XX/XXXX decided to deposit the check YET AGAIN for {$580.00}. Over {$100.00} more than what I owed them. I was never contacted by Check Into Cash or anyone related to the company regarding this debt during the time period between my last payment and the time this check was again deposited-unfairly. I was blindsided by them. Unfortunately, I had finally gotten my Unemployment Check after several weeks of waiting, and that happened to be the same day Check Into Cash decided to deposit that check unfairly. The money was unfairly removed from my account, which directly broke a rule in the Fair Debt Collection Practices Act. This company is unfair in their practices, they dont care about your personal situation, they give you verbal agreements and guarantees and dont uphold their end. They have unfairly collected more than what I owed on a debt. They have acknowledged that it was a mistake. However, if I didnt call, and absolutely lambast them over these practices, they wouldnt have acknowledged that. As of the filing of this complaint, they have not resolved this issue.
Product: Debt collection

1. Please EXPLAIN interest accrual amount and late charge accrual amount as of XX/XX/XXXX. These amounts will be from XX/XX/XXXX until XX/XX/XXXX. You have provided interest accrual amount of {$34000.00} as of XX/XX/XXXX but DID NOT EXPLAIN. You did not provide late charge accrual amount as of XX/XX/XXXX so please provide that and also explain how you derived at that amount? 

2. Please SEND a copy/copies of any INTENT TO ACCELERATE correspondence in your possesssion from XXXX  or any acceleration that RTR initiated when servicing rights to this loan were transferred to RTR on XX/XX/XXXX or after RTR  became servicer? 

3. Please provide the copies of the certification of the original XXXX XXXX XXXX  which contains original signatures of the certifying entity, the original seal and the notary signature. RTR should have these in their possession when servicing rights to this loan were trasferred from XXXX  to RTR. RTR has obligation to provide the requested copies and its prerequisite before foreclosure can be commenced.
Product: Credit reporting

It has been two months that I have been asking for verification, still have an unverified account from XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that EXPERIAN Provide verification of the following company XXXX : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EXPERIAN. Cease and Desist all further communications and collection actives and provide the verification of the purported debt from XXXX.