23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I pulled a copy of my credit report and discovered that Midland funding was showing that I owed them {$840.00} after investigating my reports I found that they were a collection company and that they alleged I had a dept. with XXXX XXXX. 

I sent Midland Funding several letters asking for them to send me verification of this debt such as a contract I signed with Midland funding or any other documentation bearing my signature, Showing that I owed any debt. 

I sent them a letter dated XX/XX/XXXX, they signed for it on XX/XX/XXXX, They did send response to my letter with a letter telling me that the information was correct. they sent me a print out of a computer generated bill. ( I have attached all correspondence this complaint to the complaint. ) I sent them letter # 2 onXX/XX/XXXX They signed for it on XX/XX/XXXX, again they just sent me a response that just says that they confirmed the information is correct. and no proof of the debt or that I would owe midland funding anything. 
I sent letter # 3 dated on XX/XX/XXXX It was signed for on XX/XX/XXXX - They never sent a response back, they have ignored all my request for verification. 

Furthermore they failed to mark my Credit Reports as being Disputed within the 30 days from when they signed for the first letter I sent. They have never marked any of my credit reports as being disputed. I, in-fact contacted the credit bureaus and had them add a dispute statement to Midland Funding.
I have also been getting contacted by people in my area that Midland Funding is calling them  looking for me. One of them is my Niece who was quite confused because they told her a last name that I never had, they gave her an address she lives at that I have never lived at and told her how much the debt was and accused her of lying and told her they knew she was me on the phone, they threatened her and told her they were going to take her to court and sue her. They had her very scared, so she contacted me, she also stated that they have been calling her number several times a day. 
This account is not mine, I contacted the Original Alleged Creditor via the information that Midland funding provided and they stated that I DO NOT OWE them anything. I DO NOT have any contract with Midland Funding and Midland funding has not been able to provide any " Verification '' that I even ever owed this debt nor that I owe Midland funding anything.
I Would like this problem to be taken care of. I feel that I have done everything I can by sending Midland funding request for verification and I feel like they have had more than enough time to comply. They have violated several laws. This is not my debt and they have failed to provide any proof of the debt, I do not have any contract with them where I own them any money, They are reporting on my credit reports and they are calling and threatening people who are not involved in any of this.
Product: Credit card or prepaid card

Discover Card offers 1 year no interest witn a rewards match, then cancels your card around 11 months when the balance is full. Saddling you w a high interest debt, no rewards points and no credit line : as well as credit damage. The amount of people experiencing this issue mixed with the financial benefit of cancelling match rewards and locking people into a high interest that discover has, and the sheer number of victims on online forums, I believe discover is engaging in this practice with predatory intent. Additionally they did not disclose the cash over purchase interest rates to me. I would like for my account to be reinstated and reported as such to bureaus.
Product: Debt collection

My Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) sent to checks since XX/XX/2024 to pay off the credit cards Sephora and Breadcashback from Comenity Capital Bank. They took a month to sent the payments back alleging wrong address. They sent it again and a month to sent them back alleging they need the 16 account numbers and not the last four. In the meantime they are writing to credit bureau affecting my credit score as not payment and adding more interest and late fees to the previous balance. Phone calls and message every 15 minutes threatened me with attorney, giving me different versions of the situation to me and my banker. At this moment I don't know where my money is because is not credited.
Product: Payday loan, title loan, or personal loan

Hello and thank you for taking my request this is a serious matter I have been waiting on a refund from why not lease it through XXXX for furniture that I never received I never received a product I have been working with them back and forth since the end of XXXX all right they had to do their investigation wish they did they told me to go call XXXX or call by XXXX the XXXX will be the latest that I would have heard anything but nobody never called me I sent several emails to the company and I still got no response I literally just got off the phone with why not lease it and their phone number is XXXX XXXX. They told me it would take two to three more weeks to process my refund into my account and I find that highly disruptive to my life there's a pandemic going on I don't know why people think it's okay to just mess with people money and their livelihood at this current time it is devastating to me that I don't have my {$470.00} back in my account at this point I have bills to pay I pay rent my rent is {$100.00} my life is more dollars okay I have a car note insurance everything if I would have knew this I would have never ordered from them and I will never use them again I'm done with them because they keep giving me the runaround and I'm done with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken loans did a hard inquiry on my credit report that I did not authorize, they asked for my social security # and I refused to provide it. This all started with a simple inquiry on XXXX XXXX to see current rates to refinance. Since they did not have my full SS #, they must have used the last 4 digits that I was required to provide to XXXX XXXX to see rates. I have already contacted XXXX XXXX to let them know of my displeasure with them but they aren't the company that actually ran my report.
Product: Credit card or prepaid card

I received a promotional email by Citi bank on XX/XX/XXXX which said I will be given a XXXX dollars credits if I use my Citi credit card to purchase XXXX dollars or more through XXXX in 2 months. I did as follows. But four months passed, I have not received my bonus.
Product: Debt collection

At the time of my original complaint to the creditor, XX/XX/2019, I had been contacted nearly ten times since XX/XX/2019, a span of a little over a week. They have since contacted me several more times. I never answer these calls as my phone carrier has flagged them as spam. Each time they call, sometimes multiple times a day, they leave voicemails that are over ten minutes long. This practice is not only annoying, but illegal as per the Fair Debt Collection Practices Act ( FDCPA ) 1692-1692p.806.5, which defines harassment as " causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' At this time, I am disputing the debt collection practices this company employs as it is harassment, requesting debt validated, and taking the matter up with original creditor, should I be provided with their information in a timely manner. I will take legal action if need be. 

Since my original complaint, this creditor has illegally reported this debt on my credit report. They have never provided a written notice of the debt, which is illegal under FDCPA, and failed to respond to my initial complaint within thirty days, which is also a violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

So I recently got a used XXXXXXXX XXXX when I was obtaining a loan for the car, Carmax had told me that their special system will check with 7-8 banks at once and then after a few months those checks will combine into one on the credit report. It has been almost a year and the credit checks are still showing 20 total. It is severely impacting my score. The car did end up getting repossessed and I no longer have the car. My credit report is still counting the months after no longer having the car as late/overdue payment. I had a rough time and I am currently on unemployment and now trying to fix the damage that 6-8 months has done to my credit. Id really like if these checks got combined/removed and the late payments for XXXX and forward.
Product: Debt collection

My name is XXXX XXXX XXXX and I would like to complain about Enhanced Recovery Company. Here is my story. I usually check my credit report like other people. As just usual, I checked my credit report in XXXX 2015 and I found that there was XXXX collection amount reported on XXXX credit report, the amount of {$68.00} reported by Enhanced Recovery Corp for XXXX XXXX expense. So I DISPUTED and talked to XXXX representative and waited for the result because it does not belong to me. However, XXXX replied me back with a bad news that the collection amount belongs to me. So, I talked to XXXX directly and I found out that I have no past due at all AND they said that they did n't even know that ( after they investigated it. ) So, I disputed again in XXXX and they replied me back with same answer that it belongs to me! So, at this time, I also talked to the Enhanced Recovery Corp directly and disputed in writing ( by certified mail ) in XXXX 2015, but never received reply back. I also requested any support or backup documents for the collection amount of {$68.00} if it really belongs to me, then I can pay ... that 's not a problem at all, but they did n't even give me any backup documents for the {$68.00}. What should I do?! The collection amount of {$68.00} still shows on XXXX credit report, which I want to remove as soon as possible. It 's a simple thing ... if it 's mine, I will pay it, just provide me the invoice/documents, HOWEVER, if it 's not mine, get rid of it ASAP! 

For your information, I would like to provide you the collection agency 's information here. The collection agency 's name is Enhanced Recovery Corp and they reported {$68.00} for XXXX XXXX expense. Their phone number is XXXX and the address is XXXX XXXX XXXX XXXX, FL XXXX. Their account number XXXX my case XXXX is XXXX.
Product: Credit reporting or other personal consumer reports

I believe I am victim of ID Theft pursuant to section 605B, Please remove these inquiries from my account. Kindly note this is the second dispute for below accounts
Product: Debt or credit management

On XX/XX/XXXX I was charged by XXXX XXXX XXXX for XXXX $ they address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX They Number : ( XXXX ) XXXX On XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Charge for XXXX $ They Address : XXXXXXXX XXXX XXXXXXXX They Number : XXXX, I disputed these a while back, they DID NOTHING ABOUT IT, they didnt even investigate it or anything ..! I just now am getting serious about my credit and I been on the phone with them about it and they did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting a late for XX/XX/XXXX and the payment was made on the XXXX for the {$190.00} for the full amount due. I called them and they were unwilling to fix the error and honestly didn't even seem to care that it was inaccurate. On the credit report they are reporting that a payment was made on the XXXX but are reporting late
Product: Checking or savings account

Between XXXX and XXXX, I experienced multiple instances of unauthorized withdrawals from my Cash App account, totaling over {$3000.00}. No one else had access to my account, yet funds were stolen on several occasions. 

When I discovered the fraudulent transactions, I was locked out of my account and had to contact Cash App support to regain access. Once I was able to log in again, I was informed that there was no way to recover my stolen funds. 

To resolve the issue, I was advised to order a new XXXX XXXX, assuming my old card was compromised. However, after replacing my card, the unauthorized withdrawals continued to occur, leading me to order yet another card. Despite taking all recommended security measures, my funds were repeatedly stolen. 

Each time I contacted Cash App support, I was met with dismissive responses and no meaningful resolution. They failed to investigate the fraudulent transactions, secure my account, or reimburse my stolen money. As a result, I had no choice but to close my account because of their lack of security and consumer protection. 

XXXX XXXX which issues Cash App cards, is also responsible for ensuring their security. Their failure to provide adequate fraud protection and reimbursement policies left me with significant financial losses. 

I am requesting a full refund of my stolen funds, a formal investigation into these security breaches, and confirmation that corrective actions are being taken to prevent similar incidents for other consumers.
Product: Credit card or prepaid card

CareCredit Card from Synchrony Bank On XX/XX/XXXX I called into Synchrony bank to make payment my Care Credit card. I have multiple Deferred interest payment buckets and one standard purchase bucket. One deferred interest bucket was expiring in XXXX After speaking with the agent I had a payment of XXXX {$170.00} set to payoff my deferred interest bucket expiring in XXXX and my Standard purchase bucket that was currently accruing interest ( ~ {$41.00} deferred bucket, ~ {$130.00} standard bucket ). The agent advised she had it set to disburse in that way. 
The following day, upon reviewing my account, I found the Deferred interest bucket expiring in XXXX was paid as instructed, however the remaining {$130.00} of my payment was distributed across all remaining buckets and did not go to payoff the Standard Purchase bucket, that is actually accruing interest, as I had instructed and as the agent on XX/XX/XXXX advised. 

On XX/XX/XXXX, I online chatted with XXXX XXXX XXXX attached ) where we discussed the mistake, XXXX agreed that an error had occurred and was going to submit for a correction. 

On XX/XX/XXXX, I found no correction and called into speak with an agent. The agent again confirmed they see the error and was going to escalate. 

On XXXX I received a letter from Synchrony Bank stating they did not intend to correct their mistake. They stated that excess funds were to be applied to the balance accruing the highest interest. I was surprised at this as my request was to have the payment applied to the balance accruing interest and their mistake, which they stated they wouldn't correct, was that they applied the payment to deferred interest balances ( letter attached ).

Two regulatory errors in this complaint 1 ) Reg Z : Bank did not apply payments as instructed, and they did not apply payments to the balance
s with the highest interest.

2 ) UDAAP : Agent advised they could and would apply pymts as I instructed, while actually applying to deferred interest buckets and not accruing interest buckets resulting in interest income for the bank. In addition, the letter I received from the bank states requirements that they are using to not correct their error however not actually following through on those requirements.
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. 


Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$5900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied from a lender for too many inquiries. I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Transunion and Equifax report that I did not authorize and had no knowledge of. I contacted Transunion and Equifax immediately and was being given no help. I also request a fraud alert already to avoid any future issues. please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. I have investigated and none of these companies received any identification or authorization from me to pull my credit for any reason.       XXXX   :     1.   XXXX   XXXX   XXXX   XXXX   XXXX   2.    XXXX    XXXX   XXXX   XXXX   XXXX   3.  XXXX   XXXX    XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   XXXX   XXXX  5.  XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   7.   XXXX   XXXX   XXXX   XXXX   XXXX   Equifax 1.  XXXX   XXXX   XXXX   XXXX  2. XXXX   XXXX   XXXX   XXXX   XXXX   3.  XXXX   XXXX   XXXX   XXXX   XXXX   4.  XXXX   XXXX   XXXX   XXXX   5.  XXXX   XXXX   XXXX   XXXX   XXXX  6.  XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   8.   XXXX   XXXX   XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   10.  XXXX   XXXX   XXXX   XXXX   XXXX   11.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Student loan

On XX/XX/XXXX, I submitted an Income-Driven Repayment Plan Request to EdFinancial to change from the XXXX plan to the XXXX plan due to the fact that the XXXX plan is now in forbearance. I received a letter from XXXX on XX/XX/XXXX stating that the request was received and that I should expect to receive a response within XXXX business days. As of today, XX/XX/XXXX, I am still in forbearance and my request appears as " Pending. '' I need to begin repaying my student loans as soon as possible because I am on the XXXX XXXX XXXX XXXX XXXX and need to continue progress towards forgiveness. I also need to recertify my employment, and XXXX rejected my recertification because my loans are currently in forbearance and not on a qualifying payment plan.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to file a complaint regarding a recent issue I encountered with American Express regarding their failure to provide me with the promised welcome offer for my credit card. Additionally, I have concerns about the fraudulent promotion advertisement they used during the application process. 

I applied for an American Express credit card on XXXX XXXX with the understanding that I would be eligible to receive a welcome bonus of XXXX Membership Rewards ( MR ) points upon meeting the specified criteria. However, after six months of fulfilling all the requirements, American Express informed me that I was not eligible for the welcome bonus. According to their explanation, I should have received a pop-up message during the application process notifying me of my ineligibility, but I never received any such message. I can confidently confirm that I would have declined to proceed with the application had I been aware of this information. 

The misleading and fraudulent promotion advertisement employed by American Express is deeply disappointing. As a responsible consumer, I carefully reviewed the terms and conditions of the offer before applying, and I fulfilled all the necessary requirements within the designated timeframe. It is disheartening to be denied the promised welcome bonus of XXXX MR points after investing time and effort into meeting the obligations. 

In light of this situation, I kindly request your intervention and assistance in addressing this matter with American Express. I believe that American Express should honor their promotional promises and rectify this issue by providing me with the welcome bonus of XXXX MR points that I am entitled to. 

I urge the Consumer Financial Protection Bureau to take appropriate action to ensure that American Express addresses this deceptive marketing practice and resolves the issue to the satisfaction of affected customers. 

Thank you for your attention to this matter. I look forward to your prompt assistance and a fair resolution. Should you require any additional information or documentation from my end, please do not hesitate to contact me at [ your contact number ] or [ your email address ]. 

Sincerely, XXXX.
Product: Credit reporting or other personal consumer reports

I'm victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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 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 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