23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland funding LLC contacted my roommate and provided him with the amount I owed to them, and asked him to tell me to call them. Theyve called him multiple times and have contacted me too. I advised them that I am unable to pay the balance and asked them to stop calling me, they still call everyday. I confronted them about telling my friend about my balance, and they stated they didnt tell him, yet he knew the exact balance when telling me they called him. Please help me resolve this.
Product: Debt collection

Requested debt validation to be sent for this account IQ DATA INTERNATIONAL Original creditor : XXXX XXXX Account number : XXXX Date opened : XX/XX/year> They refuse to provide it
Product: Debt collection

I have received several phone calls from XXXX XXXX XXXX. They say they are collecting debt from PayPal credit card. I told them I never applied for this card. It isn't my debt. They insist it is, told me my SSN over the phone without verifying my ID. They threatened to call my employer to tell them about this debt and to garnish my wages. I requested written verification of debt both by email and us mail. I have not received any verification of debt, no communication other than these calls. It isn't on my credit report. Last I spoke to XXXX XXXX at XXXX XXXX XXXX at XXXX ext. XXXX. I believe this might be fraud or identity theft. I have never received account info to report to police. It's abusive collection practices and I can't even report to police due to no account information.
Product: Credit reporting

I have consistently disputed my account status with XXXX AND XXXX AND TRANSUNION, but my issue still have n't been revolved. It is showing that I have MISSED XXXX payment and that is incorrect. I just talked to XXXX on XX/XX/2017 at XXXX central time, and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.
Product: Debt collection

I am disputing a debt form XXXX XXXX that was transferred to the debt collection company of Firstsource Advantage LLC. I owed XXXX an original debt of something like XXXX for annual usage fee. I do n't really use this card all that much so I wanted to pay off that balance and close the account. They said my best option was to use the points that I earned over time and convert that to $ $ $ pay off the balance and close the account. I said great, that is what I will do, please use my points to pay off the balance and close the account. I even had XXXX or something unused points left which amounted to like XXXX dollars that I simply was forfeiting to close the account. Well, months later I continue to get billed by XXXX. I said I paid this balance and my account should be closed. The monthly Bills kept coming much to my surprise. When I called them and tried to explain the account should have been paid off, they said we are going to refer your account to collections. I guess they were serious. I once again called XXXX to explain myself and even wanted to use those extra points that I had to pay off whatever was left, but they said my account is in collections and I have XXXX points. I tried explaining this to Firstsource and they refuse to listen, and said if I do not pay, that the interest will keep accumulating. I offered a partial settlement to make it " go away '' and they refuse saying I need to pay entirely which is now {$260.00}. I feel this is completely unfair by Firstsource and XXXX when all I wanted to do was close my account on a card that is not useful to me. I tried to setttle, I tried to do pay it off, and no one wants to listen. All they want is MONEY MONEY MONEY. This debt was paid .... unfortunately, I do not really have any supporting documents ... ... The only thing that would PROVE MY CASE is listening to the conversation I had with XXXX that PROVES I used my points to pay off my debt and CLOSE my account. 
Thank you for taking the time to read my story.
Product: Debt collection

There is currently an opened debt collection account on my credit report. I submitted a complaint on XX/XX/2022 in regards to this debt which was under XXXX XXXXXXXX XXXX for XXXX XXXX, amount of {$320.00}. I do not know who this company is, someone stole my identity to open this account. I see this debt was removed however, now it has appeared back onto my credit report under CREDENCE RESOURCE in the amount of {$340.00} ; original creator is XXXX XXXX, report indicates opened as of XX/XX/2022 ( the previous debt for XXXX XXXX was opened on XX/XX/2022. 
Please assist in removing this account permanently as this account does not belong to me. Also, I see someone is using all my personal information at an address XXXX XXXX XXXX XXXX XXXX, KS XXXX. I have never lived in any other state, only XXXX ; born and raised here, never moved out of XXXX, I have no association outside of XXXX. I have also received a fake STATE CONTROLLER piece of mail indicating I am owed some funds from an employer ( unclaimed property ) this is false. I have attached the letter and the envelope I received. Please see the address at the bottom of the letter which indicates the XXXX, KS address. Again, someone is using my personal information to open accounts and trying to steal money. I never responded to this STATE CONTROLLER letter. I have also attached another copy of the XXXX XXXX debt.
Product: Mortgage

We have made numerous attempts to request assistance from NationStar since XX/XX/2012 due to XXXX XXXX being laid off from his job XX/XX/2012.
Product: Checking or savings account

Our business holds an account with Bank of America in XXXX, NJ ; on XX/XX/2022, I made a deposit at the Teller 's window for a total of {$8900.00} which comprised of 1 cheque in the amount of {$440.00} and {$8500.00} in cash. The teller ( associate XXXX ) made an error and recorded my cash amount as {$83.00}, and when he realised his error, he had a supervisor make the correction to the cash deposit and instead of voiding the entire transaction, the supervisor recorded the cash difference of {$8400.00}. Although the total deposit amount of {$8900.00} is correct, i decided to check our account upon my return to my office. I now realised that the bank placed a hold on my deposit except for the {$83.00}. I called the branch, no one answered the phone, but eventually got XXXX on the phone, I told him what the issue was and he left me on hold until the phone was forwarded to a non stop telephone ring. XXXX never came back to the line. At XXXX I then called the main customer service line and was told that they are unable to do anything because the bank was closed. This branch closes at XXXX and my call to the XXXX NJ branch was at XXXX, my deposit was made at XXXX. This is unacceptable for a bank to hold a cash deposit. Bank of America has done this to our business on XXXX previous occasions. This bank needs to stop this practice of holding cash that belongs to consumers!
Product: Student loan

I set up auto-withdrawal in XX/XX/XXXX, with my two required payments that month going through successfully. While the letters confirming successful withdrawal have dates that don't align with my account 's stated due dates for both letters, I figured it was just a delay in how they send out their notices. 

In XX/XX/XXXX, I assumed my payments would again run successfully. On XX/XX/XXXX I received an email alerting me to a new message in my account, which was a PDF scanned letter confirming the amount to be automatically withdrawn. On XX/XX/XXXX, I received a second email about an important notice, which was again a PDF letter dated XX/XX/XXXX indicating my payment was overdue. I spoke to a few representatives, none of whom could explain why I was not receiving timely notifications about overdue payments that are resulting from their attempts to withdraw the funds. I then asked to have my due dates become one due date in the hopes this would solve the issue and allow me to plan better for the withdrawals, to which they replied they'd need to research if this was a viable solution. I have not since received a response. 

Because I don't trust them, I log in about once a week to check my account. I logged in on XX/XX/XXXX to find again that my payment was past due because there were insufficient funds in my bank account, but I once again never received any notifications about the attempt to withdraw the funds. At XXXX on XX/XX/XXXX, another PDF letter was added to my account indicating my payment was past due ; however, I have not received any emails even indicating that a message was added to my account.
Product: Checking or savings account

I reserved a hotel for a trip, but I was told that the website was only going to hold {$15.00} dollars until my check in. I got sick and will not be able to travel, so I have been reaching out to the hotel, but no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card opened balance {$2900.00} XXXX XXXX XXXX collection company balance {$2800.00} XXXX / XXXX charge off account balance {$2500.00} XXXX card credit card charge off account balance {$1700.00} XXXX credit card charge off account balance {$1000.00} XXXX XXXX XXXX   collection  account balance {$970.00} XXXX XXXX XXXX collection account balance {$610.00} XXXX XXXX collection account balance {$410.00} XXXX credit card collection account balance {$350.00} XXXX/XXXX charge off account XXXX charge off account
Product: Debt collection

On about XX/XX/2023, I was served a civil summons from Plaintiff MIDLAND CREDIT MANAGEMENT , INC through their Attorney XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX TN XXXX ; notifying that this debt collector was suing me. I responded to the attorney via certified mail on XX/XX/2023, I demanded validation and proof of claim in accordance with the FDCPA, 15 USCG 1692 et seq and the fair credit billing act, 15 U.S.C. 1666. I have confirmed through my returned receipt they received it on XXXX XXXX. I did not receive a response to my request from their attorney and instead received an invoice on XXXX XXXX dated XX/XX/2023 directly from Midland Credit Management XXXX XXXX XXXX notifying me a lawsuit has been filed against me signed from a XXXX XXXX XXXX Group Manager. Warning me that judgement may be seeked against me. I have no contract with this company nor have they addressed anything in my dispute of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the account which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX
Product: Checking or savings account

I work for an airline and on XX/XX/2021 I parked my car at XXXX XXXX in XXXX, CA. The airline crew rate is {$10.00} per night. I returned on XX/XX/2021 and was charged {$20.00} by the front desk representative, although I only had my car parked there for one night. When I went outside to pick up my car, I was informed by another crew member that since the parking gate was inoperative and open for the day, no hotel guests or parking guests were being charged. I tried to resolve the refund issue with the hotel and was unable to solve my problem. I then contacted my bank NFCU and filed a dispute on that charge. I was asked to submit additional documentation and I provided a copy of charge and screenshots of the open gate. Yesterday I received an email from NFCU advising me that they decided to close my dispute and pay the charge, so I contacted NFCU again and spoke with XXXX, who didnt know how to advise my on that and just told me to send a message to NFCU and write dispute. Today I spoke to a supervisor named XXXX and he looked at the screenshots and kept saying that the screenshot shows the rates, and did not understand that I was providing the screenshot of the open gate and not the rates. He then said that he was seeing a closed gate and I explained to him that the entrance gate on the screenshot was closed but the exit gate was open for that day. He insisted on the entrance gate and rate list, which is not the crew rate. He so disregarded the fact that on that date the hotel parking exit gate was not functional and guests were not being charged.
Product: Credit card or prepaid card

On XX/XX/2022 - I found an airfare on the Chase.com rewards site and called their travel rewards number so a rep could assist in booking. I picked a fare that included the ability to cancel within 24 hours and rebook, which was called Business Flex as opposed to Business Classic, on XXXX as the secondary carrieXXXX. However, despite the fact that XXXX could get me to XXXX without a problem, they wouldn't allow me to board from XXXX to my final destination, with my cat. So, I called Chase, the next morning and worked for at least 3 hours, with a rep named XXXX, at their Help Desk, to no avail. I had to cancel, so I could find another itinerary. The new rep told me that they were going to refund my points, but not the money for 2 " billing cycles '', i.e. 2 months. This is theft. They are leaving more than {$4000.00} on my credit card as if I had kept the ticket. I had to ask Chase to increase my credit limit so I could rebook, but they have stolen over {$4000.00}. I picked a fare that was {$6800.00}, applied XXXX points that I had been saving for years, and used my Chase Saffire card ( which I also pay an annual fee for ) to pay the difference. 

Any other transaction would have required a refund. What Chase is doing is theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 
2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, KY XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, WI XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, KY XXXX
Product: Debt collection

On XX/XX/year>, I received a letter from a third-party general revenue agency regarding a collection they had taken over for past-due tuition owed to XXXX XXXX XXXX XXXX . The original past-due amount was {$2500.00}. However, they have since added {$170.00} as interest, treating this as though it were an installment loan and {$840.00} as a collection fee. 

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from collecting fees, interest, or other charges that are not authorized by the original debt agreement or applicable law. I never provided written consent to the school for these additional fees or interest. While I am willing to pay the original amount owed, it seems they are accruing interest daily, making it increasingly difficult to repay the debt. 

Furthermore, I was informed that my taxes might be garnished if I do not pay the amount. I requested verification of the debt, including any contracts or agreements, but they only provided a letter notifying me of the debt and a statement of accounts, which does not satisfy the verification requirements.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding an item on my credit report that contains inaccurate account information. Despite my repeated attempts to dispute this item and request validation of the debt and the original agreement, it remains on my credit report without any evidence of validation from XXXX, XXXX, or Experian. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX I have diligently followed the proper procedures to dispute this item by submitting written requests and providing supporting documentation. Regrettably, my efforts have been met with silence, and I have not received any validation or response regarding the validation process undertaken by the credit reporting agencies involved. 

Therefore, I am formally requesting verification of how this debt has been validated and a detailed breakdown of the procedure that was taken to validate it. It is imperative that I understand how this debt was verified, as it directly affects my creditworthiness and financial standing. 

In accordance with my rights under the Fair Credit Reporting Act, if this debt can not be adequately validated within the specified timeframe, I demand that this account be immediately removed from my credit report. Continuing to report inaccurate and unverified information is a violation of my consumer rights under 15 USC 1681. 

I trust that you will take this matter seriously and promptly address the inaccuracies in my credit report. I remain hopeful that we can resolve this issue amicably and without the need for further actions. 

Please provide the following information : XXXX. Documentation validating the existence and legitimacy of the debt, including the original agreement or contract. 

XXXX. A clear explanation of the steps taken by your agency to validate this debt, including the date and method of communication with the creditor or debt collector. 

XXXX. Any correspondence or records exchanged between your agency and the creditor or debt collector during the validation process. 

Should you fail to provide satisfactory validation of this debt within the specified timeframe, I will have no choice but to exercise my rights under 15 USC 1681 and pursue appropriate legal action to protect my consumer rights and seek redress for any damages caused by the inaccurate reporting. 

I expect a prompt response and resolution to this matter. Thank you for your immediate attention and cooperation. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$390.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I applied my credit for a loan online through Navy Federal Credit UNION. I was immediately denied for whatever reason. I called XXXXXXXX XXXX,2022 and spoke with a spokesperson asking why I was denied my own credit. She said that its an overall review of my credit ( which I have good credit, 100 percent payment history etc ). But what law states that Im subjected to a score? Under the U.S. Code law, the powers and duties of banks are Borrowers and I should never be denied my own credit. Banks take my information and sell it without my consent. No consent is identity theft! I am the original creditor because I am the only one who can extend credit. Again, I am the original creditor!
Product: Money transfer, virtual currency, or money service

On a XX/XX/21 Coinbase announced that they were accepting the AXS token. On XX/XX/21 I transferred XXXX AXS tokens from my coinbase wallet to my coinbase account but the transfer did not go through. I contacted Coinbase about the issue, they said that I sent the old version of AXS and that they dont support that token. For the record both of these AXS tokens have the same ticker, which is AXS and when Coinbase announced they were accepting AXS, they did not explain that they didnt accept the old version of AXS. I will attach a screenshot of this email. Coinbase did not offer me any resolution to the problem.
Product: Checking or savings account

My BB & T debit card got two authorized transactions from XXXX on XXXX XX/XX/2021, one is XXXX $ one is XXXX XXXX Which is happened before on XXXX XXXX and XXXX XX/XX/2021, and I contacted BB & T right time that I found the transactions posted on my online app. Then BB & T refunded the two transactions XXXX XXXX. 

But it happened again XXXX XX/XX/2021, I contacted the BB & T many times, they tell me it was denied by XXXX, I need to show them the proof of the returned items purchased on XXXX. I tried to find the packages documents and emailed to BB & T XXXX XX/XX/2021, then they asked me to wait two work days to receive their response. I called them back after XXXX work days then they just tell me my claim is out of time frame and they can't do anything about my claim. I mean I did everything they told me to do and follow their instructions and I didn't waste any time. I called them last Thursday, the receptionist told me that she will talk to her professional analyst then call me back after two work days. I didn't receive the call and I called them today, the receptionist told me my claim status still remained denied. I don't know what to do because of my XXXX account was lost, so the XXXX told me that they can't do anything for me and what I can do is contact my bank. 

English is my second Language, so I can't express myself very clearly. I'm just an XXXX XXXX, it's a lot money for me. Please help me with BB & T and solve the problem. Thank you very much!
Product: Debt collection

I have disputed this debt numerous times with the credit bureaus asking for validity of the debt, and DNF associates does not respond to the agencies. This debt is not mine and should be deleted immediately from the credit bureaus. When I called XXXX today, XX/XX/year>, they stated that they could not place the debt with a separate debt collection agency because I asked for a cease & desist ( I never did this I have never contacted this agency by phone ), therefore I could not even figure out anything about this debt. So this is a debt collection agency that sells the debt to another collection agency to collect on. This debt is not mine.