23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt collection agency, Jefferson Capital, has reported a collection on my credit of {$390.00} that I was not aware of and did not send any information on this debt. I have send a debt validation letter to the agency to provide me this information. I have yet to receive anything. I mailed out this letter on XX/XX/year>.
Product: Money transfer, virtual currency, or money service

Paypal limit my account on XXXX XXXX without any warning on me, they hold my money for 180 days.How can i continue my business with my customers needs.i have XXXX $ on hold to them
Product: Debt collection

I am writing to formally file a complaint against Midland Credit Management Inc. regarding a collections account that has recently appeared on my credit report. I have serious concerns about the validity of this account, the handling of my consumer rights, and the impact on my creditworthiness. 

The specifics of the collections account and the associated violations are as follows : Creditor : Midland Credit Management Inc. Account Opening Date : XX/XX/2023 Account Update Date : XX/XX/2023 Account Appearance on Credit Report : XX/XX/2023 Lack of Contact ( FDCPA 809 ( a ) ) : Despite the account being opened on XX/XX/2023, I received no communication from Midland Credit Management Inc. within five days of this initial action, as required by FDCPA Section 809 ( a ). This constitutes a violation of my rights and has negatively affected my ability to validate or dispute the debt. 

Status : No contact received within the required timeframe. Potential Statutory Damages : Up to {$1000.00}. 

Lack of Knowledge ( FDCPA 809 ( b ) ) : The absence of any prior communication and the account 's sudden appearance on my credit report on XX/XX/2023 have left me with no knowledge of this debt. I was not provided with the opportunity to validate or dispute the debt, as mandated by FDCPA Section 809 ( b ). This violates my rights as a consumer and hinders my ability to assess the accuracy and legitimacy of the debt. 

Status : Debt is unrecognized and unverified. Potential Statutory Damages : Up to {$1000.00}. 

Request for Validation ( FDCPA 809 ( b ) ) : I formally request Midland Credit Management Inc. to promptly validate the debt, given the discrepancies in reporting dates and the absence of prior communication. As per FDCPA Section 809 ( b ), I am entitled to validation, including documentation that substantiates the debt 's existence, the " original contract signed by XXXX ; XXXX XXXX XXXX, doing business as XXXX XXXX XXXX XXXX original creditor 's identity, and other relevant information. 

Status : Formal request for validation submitted to Midland Credit Management Inc. Potential Statutory Damages : Up to {$1000.00}. 

Violation of Credit Reporting Timelines : The account 's appearance on my credit report on XX/XX/2023, without prior notice or validation, has negatively impacted my creditworthiness and violated the Fair Credit Reporting Act 's ( FCRA ) requirement for accuracy in credit reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). 

Status : Collections account appeared on credit report without prior notice or validation. Potential Statutory Damages : Potentially subject to FCRA remedies.
Product: Credit card or prepaid card

I applied for and was approved for a American express delta sky miles card. The deal was spend XXXX XXXX dollars in three months and get XXXX delta sky miles. I have me my end of the promotion and now I am being told my card was approved but the promotional part was declined. I am furious. If they were not going to honor the promotion I never would have applied for this card.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I have wired {$37000.00} to XXXX XXXX to Capital One Bank, Members Account number : XXXX from my bank XXXX XXXX XXXX XXXX. Capital One bank did not deposit the money into XXXX  account. On XXXX XX/XX/2020, the XXXX told us the bank is refusing to deposit the check into his account. On XXXX XX/XX/2020 at XXXX, I have called my bank XXXX to see if Capital One bank has returned my wire and they did not. On XXXX XX/XX/2020, XXXX went to his branch in Texas and spoke to the compliance team thru the bank manager and put some documentation to return the wire to the sender ( me ). On XXXX XX/XX/2020 Capital One told XXXX they are ready to return the wire and but they need an official request from my bank ( XXXX ). On XXXX XX/XX/2020 XXXX reached out to Capital one again and Capital one told my bank that they have reached out to the third party. On XXXX XX/XX/2020, XXXX ( XXXX XXXX XXXX ) sent a notarized letter to Capital One Bank and I have sent that letter to XXXX as well. On XXXX XX/XX/2020, I called Capital One bank and talked to a Manager named XXXX and she told me she wants XXXX to call them with me at XXXX. XXXX made many calls to his bank and visited them as well without any luck. Somewhere from XXXX XXXX, The XXXX and I, we talked in length with Capital One security in XXXX VA. The Security Officer told XXXX they will close his account and do not want to do business with him. My bank ( XXXX ) has sent many request to Capital One bank to return the funds but no answer from Capital One. On XXXX XX/XX/2020, I wrote a letter to the President of Capital One bank with a return receipt. They received the letter ( return receipt ) and to date I have not received any answer from them. I have attempt to call Capital One Bank many time with no luck. Same  with XXXX. I also visited local Capital One bank on XXXX XX/XX/2020 and came out with a XXXX XXXX  with a Market Manager XXXX XXXX at XXXX VA. 

The Capital One Bank send a response to my complaint filedCapital One CID : XXXX and CFPB Complaint ID : XXXX. They gave me POCs name and number for my bacnk and me to call Her. To date they have not respondend to ur phone calls. Capital One also made untrue statement of my letter to XXXX XXXX stateing " As previous advised in response to an email you sent to XXXX XXXX ( CID XXXX ) were unable to discuss a Customers account or details regarding an account. However, we can confirm were unable to return the funds to you until we receive a Hold Harmless Letter ( HHL ) from the originating bank that sent the wire. I confirmed that as of XX/XX/2020, this letter has not been received. We advise reaching out to your bank to have this completed. '' Capital One did not give me an email address where to mail or fax the letter. I am very confused as they have caused me so much of the damages.
Product: Credit card

I have spoken with Kohls department store on several occasions, each time I talk to them they try to get me to set up a large amount that I can not pay due to my illness right now. I did explain to them about my illness, but they still offer me very large payments, Yes I do owe them but I am doing my best to pay what I can pay, my work is very slow right now due to my illness, I am doing my best to try to pay them what I owe them, Slow payments I'm making. I know they want their money and I want to pay them but I can't when I can't work. 
My main concern is they call me on Sundays while I'm at church, I don't care if they call doing week days but not on Sundays while I'm at church, It is very annoying the phone ringing while at church. I want them to stop calling me on Sundays. They call all doing the week days, Creditors should not have to have to call you on Sundays. I am doing my best to pay them, Some weeks I make no money for the pass weeks, I have not made any money so I can't pay them. I pay them when I can make some money. Due to my illness I can't work every day some weeks no work at all, When I do see a way to pay them I do try to pay. I am not working full time and most weeks no work but I try my best to pay something. I know I owe them but it is annoying on Sundays, we had two funerals and they call while at the funeral. Just need to stop calling on Sundays.
Product: Credit card or prepaid card

File first dispute back last year, dispute somehow became overlooked and unfounded, filed secon comments this year boa didn't investigate waited untill last day claim was due and denied claim without cause. Call and ask for documentation that Substantiated. The denial of said claim never received any documents my mail or email. Asked for reconsideration of claim and told it would be completed in 45 days we are weeks past that time frame still no anwser no provision cresit. No documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX 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 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
Product: Mortgage

a XXXX XXXX was assigned to the account well over amonth ago, he finailly reached out to borrwoer rep the other day, we hav elost so much time and now carrington states foraclosure to be put in paper XX/XX/2019/thsi was caculated ,2 weeks went by and i asked XXXX XXXX why has not gotten back to me and stated he was sick, then no calls twoweeks now forclosure, this is very disengenious.demand is madeborrwoer have formal discussion on loss mitgation options!! this is and unfair business practice.
Product: Debt collection

After reviewing my credit report I see an account that I have no knowledge of listed on my credit profile stating that I owe a balance of {$1500.00} and that this account was opened in XXXXXXXX XXXX XXXX with the payment collection summary showing it was open XXXXXXXX XXXX XXXX. First question is, which one is it? Secondly, i will like to know where XXXX XXXX is getting this false information from and why it is being reported with XXXX different collection months on my credit report. It is showing that they bought a debt from XXXX XXXX but I will like to see proof with my wet signature that this account was opened in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX perhaps I am kindly requesting that this negative tradeline be removed from my credit profile immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to update this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be repaired as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Over the past 9 months Western Union has refused to allow me to access and transfer funds from my debit account to myself. They have banned me for life with extreme prejudice and without telling me why. 

When I asked them why, they tell me to figure it out for myself and read the Western Union operating procedures and terms. 

They then request pedigree and personal identification documentation which I have provided many times over plus additional. 

Despite my giving Western Union the requested documentation they continue to say we will never let you use our services for life with no explanation. 

In fact, to further punish me, they tell me to figure out the reason myself. I believe to deny me services but request documentation without explanation is a violation of banking law.
Product: Debt collection

To whom it may concern, Pursuant to 15 USC 1692h. Multiple debts.If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. As a Federal protected Consumer I am demanding all past payments made on this account referencing the account number below, be sent back to me in a check by mail to the address provided below, as it is a violation of my rights as a federal Protected Consumer under Title 15 Chapter 41 and pursuant to 15 USC 1692h. 

Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Account number : XXXX
Product: Credit card or prepaid card

I, XXXX XXXX, am a Victim of identity theft. I was unaware of and did not give consent or authorization for the following credit transactions. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX and XXXX of XXXX, XXXX XXXX  took money out of my Bank of America account after telling me that XXXX XXXX  was not going to take any more funds out of my checking account. I called the Bank of America and informed Bank of America about this situation and I was told by the bank that the bank will shut down my account and that no one will be able to take out any funds until an investigation on the account. the bank then knew that I was seeking an attorney which is still my attorney for the company of XXXX XXXX. I then opened another account because one of the accounts my social security uses to deposit my monthly funds. I had always brought the fraud up to date with the situation that this company had no right taking money out of my account. in fact, the company sent me a note about the checks that they are not going to take any more money out of the account ending in XXXX which is the account that XXXX XXXX took the money out to the account. I opened up another account to replace the account ending in XXXX and the new account had nothing to do with the account that bank America took the money out of the account new account number is the account that I spoke to someone in the bank about the situation of keeping my money safe and was informed that the bank will give me time to reach out to the lawyer when I can speak about the stolen money. I was informed by the bank that my money was safe in both of the accounts and that the investigation was still being worked on. I'm on social security and just recently buried XXXX people with XXXX. My husband died in the year of XXXX. Which is the reason why I continue using the bank. I'm on social security XXXX and my husband was my payee for my funds. Just recently I am able to get my funds in my name after having to rely on someone being my payee. so I stayed with the bank that my husband chose. On XX/XX/XXXX, the bank went into my new account and withdrew over XXXX dollars for the funds that XXXX XXXX stole out of my account without telling me what they were going to do which was taking over XXXX dollars out of my account which is the new account that I open to make my money safe because of my XXXX and the money is from social security that I need for the workers that are medical workers for my medical needs. Bank of America should have gone after the company that stole my funds which I provided the bank with who they are. I was never told and the bank knows that I have a claim on the new company of XXXX XXXX. I'm very upset because I need my medical workers and my medicine and help around my home. I told the bank to give me my money back and that I told them who took the money out to the bank and I have a letter from the company that they will not take any more money out of my account. The bank didn't care what I was telling them. The bank was very nasty to me and told me that they were not going to give me my money back. Now I'm afraid that my money is not safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted items out of my credit report without my consent. The loan XXXX  should be furnished on my report and today XX/XX/2022 it was removed with my consent as a consumer. I spoke with Equifax and they stated that they have the right to do whatever they want to do, which is incorrect because I am the consumer I have the right to tell Reporting Agencies what should be on my report.
Product: Debt collection

We were living at XXXX XXXX XXXX, an XXXX XXXX in XXXX XXXX, CA XXXX. In about mid-XX/XX/2017, after moving to another apartment here, we were surprised with an unfair situation. 
Maintainence manager had done a walkthrough of Our previous apartment before moving out. There was washable paint on it the carpet, which he specifically told us to not worry about at all because they clean the rugs so well once we leave. He did not even bother to mark it down on the sheet he gave us a copy of, and the marks were clearly visible in the middle of the room. Once we were long moved out, XXXXXXXX XXXX told us we needed to pay over {$700.00} in rug replacement fee, due to the aforementioned paint marks. We obviously were not alerted even to this possibility before, quite the opposite ; had the mainatinece manager not mentioned to us so specifically not to worry about it, we would have had the washable paint and carpets cleaned ourselves. It was completely unfair to have been advised otherwise, and charged after for something that apparently did not even merit being mentioned or noted on the walkthrough sheet. We were trying to dispute this with XXXX, who dug their heels in and ended up forwarding us to a debt collector. We have paid the account regardless but the derogatory mark remains on the credit report and will for 7 years. We did not feel at all that this was handled in a fair manner, or even completely resolved by XXXX before they forwarded our account to debt collectors and at the very least believe this should be removed from the credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for its repeated failure to properly investigate and correct an inaccurate public record on my credit report. The record in question, XXXX XXXX XXXXXXXX XXXX XXXX  has been disputed over seven times, yet Experian continues to send stall letters and ultimately claims : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute.

This response is unacceptable and demonstrates Experians failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

I have formally requested the following from Experian : The method of verification used to confirm this record. 
The source of information, including the name and contact details of the entity that verified the record. 
A copy of the investigation results and documents reviewed. 

Experian has failed to provide this information. Furthermore, I have submitted official documentation from XXXX XXXX XXXXXXXX XXXX XXXX  stating that they DO NOT report to any credit bureaus. Despite this, Experian continues to verify the inaccurate information without providing legitimate proof of their verification process. 

This repeated failure to investigate and correct the issue is a violation of my rights under the FCRA. I request that the Consumer Financial Protection Bureau intervene and hold Experian accountable. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered a generator from Amazon using Amazon Synchrony Bank. The merchant was unable to deliver the item. I filed a dispute for non receipt of merchandise. Amazon advised me that Synchrony Bank is a separate entity from the store. I filed a dispute with the Synchrony bank on XX/XX/XXXX. They still have not given me a temporary credit while investigating the dispute. I called them and they advised that the balance will remain there while they investigate and that I am not responsible for the dollar amount. The only problem is that it is accumulating interest charges and my dispute is approaching the 60 day mark. I just want credit for non receipt of merchandise in the amount of XXXX Please see below : ORDER PLACED XX/XX/XXXX TOTAL {$1100.00} SHIP TO XXXX XXXX ORDER # XXXX View order details View invoice Undeliverable Track your package for details XXXX XXXX Dual Fuel ( Gas and Propane ) Portable Generator with Electric Start - 12000 Peak Watts & 9500 Rated Watts - CARB Compliant - Transfer Switch Ready
Product: Debt collection

This account was sold to a company called meridian Financial and I have no knowledge of this company.
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 XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX NEVADA : # XXXX, XXXX : # XXXX, XXXX XXXX XXXXXXXX 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 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: Mortgage

I have provided my condo unit owner policy to Loancare and have provided the name of the agent for our HOA regarding the master condo policy for XXXX. However, Loancare insists that I provide 1 ) detailed policy information concerning the HOA 's policy, and 2 ) that they be named on the condo 's master policy as mortgage. However, I do not have details about the policy and can not request that someone be placed " on the policy '' because I am not the named insured. Loancare refuses to contact the HOA 's agent and instead is threatening to take to out a master condo policy on my behalf -- truly bizarre as I am an individual unit owner -- and then charge me. If I do not pay for this duplicative insurance then I will be in default and may lose my home.