23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Freanklin collection service trying to collect from me saying its debt owned to XXXX. ( I currently have XXXX services ). I called XXXX they said Im in good standing and dont owe them anything. Called Franklin collection and asked for more details on collection, they gave me XXXX account number. Called XXXX provided info and couldnt find any debt on my personal info nor with information given. XXXX advises me not to pay anything as I dont own any debt to them. Now Franklin has reported debt on my XXXX report 2 times in XXXX and 1 in XXXX ( which affect my score ) now I feel they I are just harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Heres the revised version incorporating the new information : I am writing to formally request assistance in resolving an issue regarding a collections account erroneously placed on my credit report by Wakefield & Associates. The account in question pertains to a debt allegedly owed to The XXXX XXXX XXXX, initiated by Choice Recovery and subsequently placed by Wakefield & Associates on XX/XX/XXXX, in the amount of {$950.00}. 

To provide context, The XXXX XXXX XXXX initially engaged Choice Recovery for collection efforts on XX/XX/XXXX, regarding an instrument return. Following disputes with XXXX, XXXX, and XXXX, the debt was resolved, and I was issued a zero balance receipt in XXXX. As a result, the collection account was removed from my credit report on XX/XX/XXXX. 

Despite this resolution, Wakefield & Associates reported a similar debt in XXXX, requesting documentation I had already provided during the initial disputes in XXXX. Moreover, The XXXX XXXX XXXX generated and provided an invoice to Wakefield & Associates in XXXX XXXX after the collection account was placed on my credit report in XXXX. This invoice was never shared with me prior, and I was not notified of any additional fees or balances owed after receiving the zero balance receipt in XXXX. 

Per the attached evidence, the sudden re-reporting of this alleged debt and the creation of a new invoice years later raise serious concerns about the accuracy and legitimacy of this claim. It is unreasonable for Wakefield & Associates to request re-submission of information I provided years ago to resolve this matter.
Product: Student loan

I took out XXXX sets of Stafford loans XX/XX/XXXX and XX/XX/XXXX to attend graduate school. The original lender was XXXX XXXX. Currently Navient holds the loans. 
The loans are as follows : XX/XX/XXXX {$8500.00} 2.65 % subsidized XX/XX/XXXX {$10000.00} 6.8 % unsubsidized XX/XX/XXXX {$8500.00} 2.65 % subsidized XX/XX/XXXX {$10000.00} 6.8 % unsubsidized Over the years, I requested that the oldest loan with highest interest rate be paid off first. This never happened. I requested over and over on phone and enclosed with check. Again, it never happened. Now, the XXXX newest loans are paid in full and I still owe thousands of dollars. This is interest which they created by manipulating the allocation of my payments in a manner in which I directly asked not to happen. 

I graduated the actual week the market crashed in XX/XX/XXXX and I rarely make the same income I did since XX/XX/XXXX when the loans were issued. This was not my plan. So I definitely do not want to pay any additional interest on these loans. 
Please help!
Product: Credit card

1. Missing Online Statements ( XXXX, XXXX, and XX/XX/year> ) : Prosper has not provided proof that statements for XXXX, XXXX, and XX/XX/year> were sent. 
I submitted evidence that these statements were unavailable online, and Prosper has not addressed why they were missing or how I was expected to monitor my account activity without access to statements. 
2. Refund and Annual Fee Mismanagement : On XX/XX/year>, Prosper refunded my {$39.00} credit balance via check and charged a {$39.00} annual fee at the same time. This refund was issued without notification and before six months had elapsed, based on my billing cycle.

I never received the refund check, and Prosper has not adequately addressed why notification of these transactions was not provided. 
3. Improper Minimum Payment and Delinquency : The {$30.00} minimum payment referenced as late is directly resulted from the {$39.00} annual fee they charged without notice. 
As I did not use the card and had a credit balance prior to these actions, no minimum payment should have been due. 
This {$30.00} unpaid balance caused a delinquency to be reported on my credit report, which is inaccurate and should be corrected. 
4. Failure to Provide Substantiation : Prosper has failed to provide concrete evidence of compliance with TILA, including proof of statement delivery, notification of the refund, or explanation for why I was not made aware in monthly statement of the {$39.00} annual fee being charged. 


Summary : This situation could have been avoided if Prosper had followed TILA requirements by providing accurate and timely monthly statements and notifying me of the refund and annual fee. The missing statements and lack of communication left me unaware of the activity on my account, leading to improper fees and inaccurate credit reporting.
Product: Credit card or prepaid card

A scam XXXX account took {$120.00} from my Direct Express debit card. This card is used by the government to deposit monthly social security benefits to recipients. The money was taken out on XX/XX/2021. I immediately contacted Direct Express, and all I have gotten is a run-around. They did not even bother taking a complaint or closing the card as is standard protocol. Today, XX/XX/2021, I called for the 9th or 10th time, and they finally took a report after I spent several hours on hold and talking to multiple people. They then told me that they will send out a questionnaire, which I need to complete and return before they can open an investigation, which they claim will take 45 days. 

This company is a habitual offender. They do everything to not refund money that is stolen from customers ' accounts. And some of the scammers might be working for the company. It is a shady company that must be investigated and audited for its handling of government funds and abuse of benefits recipients. 

DIRECT EXPRESS PHONE NUMBER : XXXX CLAIM N0. XXXX I want this money back, and this company investigated for their fraudulent practices.
Product: Credit card or prepaid card

Back on XXXX XXXX i received a text message from Suntrust Bank that i have deposited multiple checks using the mobile app on my checking account and that they were going to hold the checks until the following banking day which was monday. I received the text on sunday night. The following day i went to the local branch directly which is XXXX minutes from my home to report fraudulent activities on my account and that the checks deposited and all of the debit card transactions were not mine. The debit card used was for my daughter. i spoke to her and she informed me that she had lost the card and long time ago and was unaware of these charges The checks totaled at least XXXX dollars plus. The debit card was used multiple times by the same person. The bank used my Suntrust Credit Card as a line of credit and charged my XXXX over {$5000.00} plus now and expect me to pay the money back. I provided the bank with police report and they still charging me for fraud and accused me of benefiting from this fraud. This ABSURD. I requested for the bank to do their investigation by providing me with the IP address from the phone that was used to deposit these checks on my daughter 's name. The bank has refused. My lawyer sent letters requesting proof. They have refused. I have the local police department XXXX XXXX who is currently working on this case. He has video footage of a man using the card and the bank still want to charge me for fraud and now my personal credit card is charged, My name has been sent to all XXXX credit reports as delinquent. This situation has caused me XXXX XXXX  and DISTRESS. I can not afford to hire a lawyer and this is the reason why I am asking for help with your agency. I have no where to. My credit is ruined and I can not apply for any loan where I am innocent. The bank also took the little bit of cash i had in my checking account as well to cover fraud charges. I am saddened by this accusation and specially i have nothing to do with the fraud charges. The bank is refusing to provide documents to where I am responsible. PLEASE HELP ME to solve this issue.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to file a formal complaint against Midland Credit regarding their handling of accounts that were opened fraudulently and their failure to validate these accounts despite my repeated attempts to resolve the matter. 


I have previously disputed these accounts with Midland Credit and the original creditor and provided them with documentation proving the fraudulent nature of these accounts. However, they have not taken the necessary steps to validate these debts as required by law, and they continue their collection efforts. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Midland Credit. I also request assistance in ensuring the removal of any negative reporting associated with these fraudulent accounts from my credit reports. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/27 I opened an online account with MoneyGram US and attempted to send money to my fiance in XXXX. It was a small amount of approximate 700 USD They immediately debited my credit card for the amount. 
They then proceeded to cancel my " transaction '' within their system and block my profile. 
I called their customer service and was told that their " online system '' flagged me as fraud. 
When asked why, no additional reason was given. 
I was additionally informed that I could no longer use MoneyGram services anywhere in the world because of this. 
They have not refunded the amount to my credit card. 
When asked why the transaction was not cancelled, they attempted to explain a process that was obviously false. 
They state they are holding my money for 3-10 days.
Product: Debt collection

This company called me stating they were going to have my wages garnished and my taxes withheld if I did n't pay this amount. Informed them this was a result of identity theft and they continued to call me. They placed this on my credit report AFTER being informed that it was a result of identity theft and all the original documents have been sent to the original creditor.
Product: Debt collection

On XX/XX/2018 I noticed my credit score drop due to a mysterious collection account. The account was from CCS Financial Services, and said that I owed {$89.00}. 
I have never had an account of any sort with CCS Financial Services. This debt is not my debt, and I don't owe your company anything. No contract was never established with your company. This debt is erroneous.
Product: Checking or savings account

XXXX dollars for overdraft fees on times my account was not overdrawn
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My XXXX XXXX XXXX was used on XXXX without my authorization and because of my unawareness from unauthorized use of my credit card therefore I got big debt on my credit card but however Im trying to fix this issue and remove the late payments from my credit report but no one wants to help me not the credit agency bureaus nor the credit card company. During that specific time I was XXXX and I haven't used my credit card. I do have my XXXX documents but since in this email says do not provide anything that include your personal information I did not add it. I can provide my hospital documents if you request later. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has a bankrupcty that belongs to my dad on my credit report. i disputed it directly with the bureaus but they claim it was verified to be mine. Me and my father have the same name and same address. Please remove this from my credit report.
Product: Debt collection

XX/XX/XXXX, I wrote a check on a XXXX XXXX Account with more than {$10000.00} in it to pay for a {$960.00} appliance repair. 

XXXX XXXX, I received a collection notice for that amount from Revenue Group. I requested more info from Revenue Group. 

XXXX XXXX, I filed a complaint with XXXX XXXX XXXX about the fact that I had paid the bill and had received a notice from Revenue Group. I can provide the case # to CFPB upon request. 

XXXX XXXX, a XXXX XXXX agent said she had contacted accounting to see what happened. She would let me know. 

XXXX XXXX, I had heard nothing and followed up. At the same time, I checked my XXXX XXXX account and found that the check had not been cashed. 

XXXX XXXX, I received this message from XXXX at XXXX XXXX XXXX : " The check did not go through. Once the consumer received a letter or call from the Revenue Group, they will have to make payment with them to clear. The check might have not cleared for several reasons. Possible security measures from their bank. Or a number keyed in incorrectly. And the list can go on. 

Please note, we are not saying you are to blame in any way. I am sorry for the lack of communication from the department that works with payments. I will make sure to have your statements from your emails documented in this case. '' XXXX XXXX, I complained that they should have contacted me directly when the check did not clear, and I would have paid it immediately. They should never turn an account over to a collection agency without making at least two attempts to collect. They admit that it may have been their error that led the check not to clear.
Product: Bank account or service

Upon opening a Citigold checking account with Citibank, I signed up for & confirmed enrollment in a XXXX XXXX XXXX promotion. The promotion would take up to 60 days to complete, and then another 90 days, maximum, to distribute the miles ( 150 days for both portions ). I signed up for the account on XXXX XXXX, 2016, so it has now been 174 days since I signed up for it. Now Citibank is saying it could be up to another 60 days to distribute the promotion, or may not even issue the promotion at all to me by retroactively deciding that I was not eligible, despite having previously confirmed my enrollment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the writer of this complaint and I found some inaccurate and incomplete information on my credit report. Aren't the CRA 's required by law to conduct a thorough investigation and DELETE all inaccurate info? I have attached letters and my ID and SSC to verify my ID
Product: Credit reporting, credit repair services, or other personal consumer reports

Placed a dispute on a delinquent report by Regions Bank on all 3 credit beaureu ( XXXX, XXXX  and XXXX  ). Provided documents supporting my claim that Regions is reporting me delinquent unfairly because the lack of communication between Regions Bank and XXXX XXXX   and their failure to properly contact me in regards to their decision to stop doing automatic debit on my current account for mortgage payment. XXXX XXXX  sent letters to my home address and tried to contact me via phone to a number I no longer had. Regions Branch in XXXX had all the correct contact info as I had updated it. XXXX XXXX had their contact info incorrect and I was unaware that they worked as two separate companies ( Only was told about this when I complained about the delinquent report ). Since I was travelling abroad at the time, I was unable to read the letters sitting on my mail box. When I returned home and saw the letters I proceeded to go to the Regions Branch inmediately and pay the past due amounts with the funds that had been sitting on my regions bank account designated for auto pay. 

Credit Bureaus failed to consider all the documents and info provided and their response letters only mentioned that they acted according to Regions Bank response that they were reporting accurately my information. 

This is an abusive use of the credit bureau report. This tool is made to properly show people who are unwilling or unable to meet their obligations on a timely manner. I strongly believe that with all the documentation I provided ( including Regions account statements showing more than enough funds available to meet payments during the due dates ) clearly shows that I had more than sufficient funds to meet my payment obligations. The only reason this was not done is the fact that Regions Bank stopped doing the auto pay in a period when I was out of the country and they also failed to properly inform me of this situation in order for me to be able to try to have payments made somehow from outside the US.
Product: Debt collection

Company continues to negatively I pact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX to do with me or agree to validate supposed debt
Product: Vehicle loan or lease

I paid off my vehicle loan in full with westlake financial services. This payment was received by them on XX/XX/2022. I was told there was a 45 day reporting period for this to be reflected on my credit report, on day 49 it was not reflected. I called the company and they are now claiming 90 days to report. This is on top of a previous illegal repossession and illegal interest rate.
Product: Checking or savings account

I had a checking account with TCF. On XXXX I noticed on my account there was a {$40.00} charge that should not have been made cause i had changed my mind and did not take the merchandise i was contemplating buying but i do not know my card was charged. I received nothing so I tried notifying the merchant at the XXXX XXXX XXXX XXXX. They wouldn't help so I called the bank. They did not initiate a dispute nor credit my account. I called a couple more times as well to find out when this would be fixed. Nothing was fixed. It resulted in a snowball effect of NSF {$330.00} in fees plus the {$40.00} that the merchant took from me putting my account negative to which my account was then closed cause i refused to pay what they said i owed cause they owed me. I Contacted CFPB received a notice I would finally have this resolved and they sent my check to an old address. I contacted them to have a new check issued and they are making it really difficult to have it reissued to my new address. Then they are telling me I need verification of my ID when the Branches were closed due to covid19 I had no way to go to a branch i have no vehicle it was drive up  only. And was told after it was updated that it would still be months before i would receive money they have due to their negligence in the first place. They are a bank can they not see that a check issued from one of their accounts was not cashed. They can stop payment on my check and i could write another but they can not do the same? They agreed they owe me {$140.00} I have the letter stating this and it was the resolution complaint number XXXX i filed with CFPD. It has been a year since the transaction and why its not as easy as stopping into a branch and geting the money they owe me on an account that should have never been closed in the first place after I tried to explain a situation where i was ripped off and having them join in on it admitting they are wrong to make it very difficult to get my money back {$140.00} a lot to me but a drop in the bucket for them that they were about to also ruin my cred it over is unacceptable. TCF net assets on XX/XX/XXXX is estimated to be at XXXX XXXX dollars. And I have nothing unemployed and struggling to pay bills and they create this bureaucratic mess for me to jump through hoops over their mistake in the first place in XXXX they had a XXXX XXXX dollar class action over NSF fees. I seems nothing much is changing. I wonder how much of the XXXX XXXX dollars is from TCF ignoring the needs of their customers? Then manipulation of those customers into submission with having to jump through hoops to get what they trusted them to hold of theirs. I have heard very nasty stories about this bank that are frankly disturbing and the fact this is occurring still is even more disturbing. I am sick of being pushed around by banks like this that are definitely not out for the good of anyone other than their own gain. So are a lot of others.
Product: Credit reporting or other personal consumer reports

NAVY FEDERAL AND XXXX never had XXXX ' direct consent or contract/agreement giving direct permissible purpose to each therefore granting the sharing of XXXX consumers non XXXX. Personal information ; stating they XXXX NOT share her non public personal information according to 15 USC 6801. written instruction to share the consumer info has never been given nor presumption does not constitute acting on behalf of the consumer. It is aggravated identity theft to misuse a consumer and their endorsements. There Must be lawful obtaining of consumer information, as nothing was initiated by the consumer, as they do not have permission to communicate to or with a consumer ( 15 USC 1692j ) please provide the authorization from XXXX ' to sell or give NFCU AND XXXX HIS CONSUMERS '. In direct violation of The Privacy Act, 4th amendment, 15 USC 1681c2, a2, and the GLBA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX  XXXX ( Date Opened :, Balance : {$0.00} ), XXXX - XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.