23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to bring your attention to a concerning matter regarding your recent collection attempts on a closed account, which I believe are in violation of the applicable consumer protection laws. As a responsible consumer, I believe it is important to address this issue promptly and ensure that all parties involved are aware of their legal obligations. 

I would like to draw your attention to the following laws that I believe you may be violating in your collection attempts : Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA is a federal law designed to protect consumers from unfair, deceptive, and abusive debt collection practices. Under this law, debt collectors are required to provide accurate and truthful information regarding the debt, cease communication upon request, and refrain from engaging in any unfair or harassing practices. Your attempts to collect on a closed account without providing accurate and verifiable information may be considered a violation of the FDCPA. 

Fair Credit Reporting Act ( FCRA ) : The FCRA governs the collection, dissemination, and use of consumer credit information. According to this act, accurate and up-to-date information must be reported by creditors. If the closed account in question is being inaccurately reported as an outstanding debt, it may constitute a violation of the FCRA.

State Consumer Protection Laws : In addition to federal laws, various state-specific consumer protection laws may also apply. These laws provide additional safeguards for consumers and set forth guidelines for fair debt collection practices. I believe your collection attempts on a closed account may be in violation of these state laws as well.

I kindly request that you review your records and provide me with comprehensive and accurate information about the debt you are attempting to collect. This includes the original creditor, the amount owed, the date of the last payment, and any other relevant details. Furthermore, I expect you to cease all collection activities on this closed account until you have provided me with the requested information and resolved any discrepancies or inaccuracies. 

If I do not receive a satisfactory response from you within 10 days, I may be compelled to take further action to protect my rights as a consumer. This may include filing complaints with the appropriate regulatory agencies, consulting with a consumer rights attorney, or seeking legal remedies available to me under the law.

I trust that you will treat this matter with the seriousness it deserves and take immediate steps to rectify the situation
Product: Checking or savings account

On XX/XX/17 at XXXX I attempted to make a cash deposit into Bank of America ATM in XXXX XXXX, IL. ATM stated it was not accepting cash deposits at this time. I attempted to use the drive through service but they refused to help since it was XXXX and they were closed. The teller at the XXXX XXXX, IL location told me that any fees incurred on my account due to the ATM equipment issue will be refunded and to call Bank of America to report the issue. I called Bank of America the next morning and explained the issue to XXXX XXXX ID# XXXX who informed me that it is not Bank of America's problem if their equipment isn't working and that the $XXXX in overdraft fees as a direct result of Bank of America's refusal to accept a deposit through their ATM would not be refunded.
Product: Debt collection

I reached out to this debt collector named Transworld System Inc on XXXX once I discovered the item on my credit report. I searched for the company online and there are conflicting phone numbers. I XXXX  their address which is a XXXX XXXX XXXX XXXX, DE to see if I could find a phone number for them.which appears to be XXXX. I called the number and I spoke to a representative whom asked for my date of birth and the last four of my social and could not find any debt on file. He said Transworld has different divisions but could not instruct me on how to get in contact with any of the other divisions of Transworld. The debt showing on my credit report is {$500.00} and it has been reporting since XX/XX/2022. I have never entered into an agreement from this company. It also states that the original creditor is XXXX XXXX which is an utility company. I live in XXXX and XXXX XXXX doesn't service this city or the State of Texas and I have never entered into an agreement with this company.f
Product: Debt collection

CRDT BUREAU is reporting a coolection on my credit report that is in violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Account # XXXX Date opened : XX/XX/201XXXX XXXX
Product: Checking or savings account

Friday XX/XX/XXXX I received the following text message ; Did you try a fuel charge at XXXX on card XXXX XXXX yes or no. To optout text stop. 
I mistakenly texted yes thinking my husband was getting gas. 
He did not get gas or use the card. 
My frustration was the next day when I went to make a purchase with my debit card it was declined, Later we checked my account on line and my account was emptied. 
I had a deposit put in for a XXXX the day before. 
Someone had broken into/stolen the account ( I never lost my card ) and charged in {$75.00} increments until it was emptied. At XXXX in XXXX Florida. 
I was living in the time in XXXX XXXX, recovering from a bad fall with XXXX XXXX XXXX XXXX. 
My biggest complaint against the fraud protection and Peoples bank was that if they would have given me more information I would never had typed yes. Like the amount or the location. I feel I was treated very unfairly with no return of over {$900.00}. 
Also they texted only 1 message not one for each withdrawal, which had they. I would have been aware of the problem before all my money was taken. 
.
Product: Credit reporting or other personal consumer reports

I have disputed a collection account on my credit report multiple times with XXXX XXXX. They have not provided sufficient documentation to validate this debt. Despite my requests, they continue to report it as a charge-off without proper verification. The only response Ive received is a generic account statement, which does not prove ownership of the debt. This account was settled, and I request that it be removed from my credit report immediately due to their failure to provide adequate proof.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$0.00} 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: Credit reporting, credit repair services, or other personal consumer reports

I have FAILED TO PAY a debt from SYNCB/TJX COS. 
1 ) I made a purchase and the credit card bill was sent to wrong address.

2 ) due to wrong address, bill wasnt paid 3 ) showed up on my report : I called to pay the debt off after learning it was sent to the wrong address **** 4 ) I paid IN FULL the amount owed and was told it would reflect in 10-45 day back in XX/XX/XXXX ***** 5 ) I CAL EVERY SINGLE  MONTH for over a year and talk to the SAME representative who tells me okay we left a note and it will be updates sorry for the inconvenience **** 6 ) today I called and refused to settle for a verbal and talked with a supervisor which HE told me there is NO DEBT OWED - and it had been reported and sent to be updated. 

***** 7 ) TO THIS DAY XX/XX/XXXX IT HAS STILL NOT BEEN FIXED and has on my report showing balance due : {$110.00} and failure to pay and has not been changed and is affecting me to this day! 

The supervisor stated theres {$0.00} balance, stated its been updated, stated that to call again in 10 days. 


This has been a issue over a year, killed my credit score, and is affecting my ability for loans and other things that require good credit.
Product: Money transfer, virtual currency, or money service

I was emailed from Chase that " ________ sent you money, but your email address is unregistered. To get your money, please set up this email address in Chase XXXX if you have a Chase checking account or a Chase XXXX card. Otherwise, go to www.chase.com/XXXX to choose your bank. '' Upon clicking the XXXX link I was asked to select a bank that was listed or choose other. My bank was listed ( XXXX XXXX ) which I selected and it redirected me to login into my XXXX XXXX online account. Once logged I was asked to register a phone or email for transfer and pay. I choose to register the same email as where the money was sent. Once verified it was noted as registered. But nothing showed up as pending, processing or in progress on my bank account. There was n't an option to accept the transaction or even a notification that one had taken place. I was perplexed so I called chase to ask them about the issue and to see what other steps I needed to take to receive the money. They informed me that my email address was registered and that I would need speak with XXXX XXXX to see when they would post the money as pending. I then called XXXX XXXX   only for them to tell me that I needed to speak with a different division which was online banking. They transferred me but the call was disconnected. That is frustration # 1. I have n't made a move from my desk so there should be no reason the call was disconnected. I got the number to the online banking with XXXX XXXX and called them and explain for the third time the scenario and the other steps I have taken they verified the email address was registered and that I should call the original sender to make sure the transaction was complete. I did this and they confirmed the transaction had gone through on their side. So now what do I do if I ca n't see anything that is confirming or denying this information what am I left to believe? The sender decided to cancel the previous and send again saying that possibly the unregistered email has caused a hangup. Frustration # 2 a civilian that does not work for the bank is left trying to figure out why the banking service is not working as expected. She cancels and resends the money and I get an email from Chase that stated the exact same statement as above. She says to me that normally there is a link to accept the money I look through the email thoroughly and concluded that a link for acceptance is nonexistent. Now I am wondering why the partnering banks do n't have this issue worked out before releasing a service that will handle serious matters with one another. This is my complaint. A bank which is a financial institution that does transactions with customers and other banks should have clear and simple processes for its users. if the process is unclear and the hidden issues are not made obvious to the end user then it should not be allowed as a service. In this case, there should be checks and balances that the user can understand as well as confirmations that things are working or the bank needs more information, time, or response to complete the transaction.
Product: Student loan

I contacted my federal student loan servicing company, Nelnet, to inquire about whether I would be able to make an extra payment every month ( or whenever I chose to do so ), after my required monthly payment has been successfully processed, with such funds only being applied towards the principal of my outstanding loans. In sum, I wanted to be able to make my monthly payment, and to make an additional, optional payment to principal-only. I was told that this option ( i.e., a principal-only payment ) is not allowed. I do not believe there is a justification for such restriction. The repayment of student loans is governed by federal law, and I do not believe there is any federal law that precludes a borrower from making a principal-only payment, after such borrower 's required monthly payment obligations have been met.
Product: Credit card

Someone applied to a JP Chase credit card using my information. On or around XX/XX/23. I also found out because I received a declination letter from chase
Product: Credit card or prepaid card

I am XXXX and can not call. I was overcharged ( double charged ) {$11.00} by XXXX on X/X/17 at XXXX when I purchased minutes online for my cell phone. XXXX charged me twice for a single purchase. I contacted XXXX via their chat option on their website. I was told that they can not reverse the charge online and that I would have to call to get the charge reversed. The nice lady at the XXXX XXXX  tried to make the call for me but XXXX just kept adding 30 minutes wait time to speak to anyone and she did not have time to keep holding. Because I am XXXX and do not have XXXX XXXX nor a land line I could not call Direct Express to get them to reverse the charge so I wrote a letter as their web home page says you can do. I enclosed a copy of my printout of the chat conversation with the XXXX people as well as a printout of my Direct Express account that shows the double charge. I included all of the information the website says they will need to resolve the matter. I sent the letter and proof of the double charge to Direct Express on XX/XX/XXXX and again at the end of XXXX. The charge has not been reversed and I have not heard anything from Direct Express about the matter. Please help me get my money back. It is not much but when you live on XXXX and have to choose between food and medicine each month, {$11.00} makes a big difference. I am attaching proof to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what this is or where its from
Product: Checking or savings account

I have been with Navy Federal since XXXX since that time they have charged me for overdraft fees even before I add OOPs, charged would go through for XXXX, random subscriptions. Since then they have closed my account and I started a new one and have been charged multiple overdraft fees.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX Balance : {$23000.00}
Product: Mortgage

On XX/XX/XXXX, an automatic payment went out to Midland Mortgage  from XXXX XXXX, this was an error since my mortgage was fully paid off, this led me to make a formal request for a refund of an overpayment on my mortgage account, in the amount of {$1200.00}. Since then, I have been experiencing a series of setbacks and have been given the runaround by your customer service representatives and some supervisors. Despite numerous attempts to resolve this matter amicably, I find myself at a dead end with no resolution in sight. 

Over the past month, I have called Midland customer service department multiple times, approximately a dozen, inquiring about the status of my refund. Each time I reached out, I received no substantial information or assistance. Instead, I was repeatedly directed to contact my bank, XXXX, for a resolution. This situation has been both frustrating and time-consuming, as I have spent a total of approximately 4 hours on the phone with my bank, who, in turn, informed me that they have no knowledge of any transaction involving a company named XXXX. 

My most recent interactions with Midland provided me with the information that a refund check was allegedly sent to XXXX on XX/XX/XXXX. However, I have no familiarity with XXXX, and their involvement in my refund is perplexing. I implored Midland customer service representatives to reach out to XXXX and investigate the situation on my behalf, as I believe it is your responsibility to ensure the resolution of this matter. Unfortunately, I was met with the same response, instructing me to contact my bank. 

This frustrating cycle of being bounced between Midland and XXXX has persisted for over a month now, and it is imperative that this issue be addressed promptly. I have been patient and understanding throughout this process, but I can no longer tolerate this lack of communication and unresolved matters. 

I want to emphasize that I have been a loyal customer of Midland Mortgage, and I have always upheld my financial responsibilities faithfully. I had expected a more efficient and respectful handling of this situation. 

I am sending this complaint not out of choice but out of necessity to ensure that my concerns are heard and that this issue is resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : American Express Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Problem : Account Status closed in credit account with XXXX. 
Detail : 2 of the account with American Express is listed as " CLOSED ''. These were business account strictly. I am proving my SSN for American Express to pull my record to make necessary correction with my credit account. 
Our XXXX has gone through a fraudulent experience in Hawaii in 2017. All our investment, our records, documents were fraudulently possessed by group of people. 
This is when we were advised to close all credit accounts immediately. 

We have taken necessary legal actions against these activities. The legal actions are in the process. This had brought us financial hardship. 

We are trying to be clean up the mess and inaccurate information that is hurting the credit and unable for me to obtained necessary loan. 

Please remove the CLOSED status from credit account immediately.
Product: Credit reporting or other personal consumer reports

Information was inaccurate on my credit report for years after several disputes still remain as accurate on my credit report XXXX XXXX and XXXX, XXXX and equifax destroyed my credit with failure to properly Investigate my credit report and consider to make the right changes to my report, its been a total disaster with them.They continued even to report after account was payed and closed, which I consider to be fraud and major a violation of my rights.This was totally disrespecful to me it just shows me that people fell to do their jobs don't need to be there.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear Barclays, Although you have sent me another persons personal information saying its mines, this is another response to a listing on my Credit Report. Its a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. See account below XXXX This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

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

I was on the phone with equifax for over an hour and they would not put a fraud block on my account because I do not have a cell phone and they would not complete the transaction unless I took a picture of my drivers licence and social security card I gave them my social security number, date of birth, address and any other information they requested, I do not want to have someone else cell phone because that would enable any person who had access to that cell phone to have my drivers licence, social security number and thus enable them to steal my identity, I received a notice from the Irs that my social security was possibly being used by someone else for employment purposes This is frustrating because I don't know what to do My name is XXXX XXXX XXXX and you may email me at XXXX Thank you for your attention in this matter