23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 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 can 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.
Product: Payday loan, title loan, or personal loan

Paypal credit offers a deferred interest option if paid in full. 
I used this option and made payments over min balance. 
No money was applied to deferred interest options! There are no instructions on my statement or the web portal or the agreement on HOW to make payments towards deferred interest options. 
When making payments on the webportal, there is no option to pay towards deferred payment. 
Any money over min balance was not applied to any promotional purchases. this is unethical as the interest that is deferred is being accrued and will dump!
Product: Credit reporting, credit repair services, or other personal consumer reports

First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone: XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  My car  XXXX   XXXX     XXXX    vin  #  XXXX , was   financed   by  XXXX   XXXX   XXXX  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original  loan  of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau Equifax,  XXXX ,  XXXX . Unfortunately i 've tried to resolve the issue with   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of fraudulent accounts from my credit report. I have discovered that my personal information was used without my consent to open the following accounts : Account name : XXXX XXXX, opened on XX/XX/2021, with a balance of {$4100.00} I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and a police report with my local law enforcement agency. For over 120 days, I have been consistently submitting disputes to your agency regarding these fraudulent accounts, yet the information remains on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a reasonable reinvestigation of the disputed information to verify its accuracy and promptly delete any inaccurate, incomplete, or unverifiable information from my credit report. Furthermore, under the FCRA, 15 U.S.C. 1681c-2, I am requesting that you block the fraudulent accounts listed above from appearing on my credit report. The FCRA requires credit bureaus to block the reporting of any information related to identity theft if the consumer provides appropriate documentation, including a copy of an Identity Theft Report. Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. Additionally, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. Please note that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. In addition, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. I expect a prompt response to my request, and I will consider any unreasonable delays as a violation of the FCRA. To protect my rights, I have documented all communication related to this matter. I also request that you provide me with written confirmation of the removal of the fraudulent accounts from my credit report.
Product: Debt collection

I have received multiple calls from multiple numbers. I have not received anything in writing about the debt to date. They call 6-7 times per day and DO NOT answer the phone. One guy burped in my ear, another was talking to his colleagues and hung up. Most of the calls they hang up. I've had to resort to blocking multiple numbers as no one answers. I believe its Tek Collect? 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Collection Agency Name : XXXX XXXX XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Mortgage

I called various banks to see mortgage rates. One of the providers I called was Quicken Loans. 

XXXX XXXX NMLS # XXXX was the person I spoke with. I specifically asked if this would be a HARD credit check and she did not tell me this was a hard credit check. The call was very long and throughout the call I said if this was a soft check as I had done with every other bank that day and NOBODY did a HARD credit check. XXXX NEVER read me a disclosure that this would be a hard credit check. In addition, she kept on asking me for the other rates I got at other banks before she could even tell me their rates. She LIED to me when I asked if this was a hard credit check. She never read me a disclaimer like EVERY OTHER BANK. 

I then found out I got a hard credit check a few days after and was shocked. But thankfully the call was recorded, so I called Quicken loans after speaking with multiple reps the last person I spoke with was XXXX XXXX XXXX. She would not provide the recorded call nor did she say that the agent asked for the authorization. 

I asked for hard credit check to be removed because of the LIEs and was repeatedly brushed off be XXXX and by her colleague XXXX without any real justification. XXXX FAILED and LIED to act as a licensed agent that day, and maybe she does this everyday to all the people she engages with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed my complaint with TransUnion XXXX on line. 

I have not received any information from TransUnion since that time. I have considered filing it via mail but am concerned it will be rejected because it would be the same complaint with the same information and thus considered frivolous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Debt collection

There is an account open with Bank of America reporting as a negative item on my credit report since XXXX. It says this account was open in XXXX. My wife and I had another account with Bank of America open in XXXX, therefore we were making payments to every account we had for a few months to attempt to get out of our debt without claiming any bankruptcy. During this time, we researched all of our documentation that we had saved for 10 years and did Not Have a second account with BOA. We have been asking for verification of the signed application showing I opened this account and our requests have been ignored. It is reporting as a major negative on my credit report. I have filed complaints with the credit agencies. We have worked hard to pay XXXX of credit card debt on our own without assistance and want to refinance and starting saving money. This is not possible with this negative account being continually ignored. How can we better ourselves if we ca n't get the creditors to do their part?
Product: Checking or savings account

I am a victim of fraud and identity theft people use my information on the dark web. They use my information everywhere. My social ID has been lost and stolen multiple times my family has used my identity friends have using it stolen and my information is out there Im making this report so I can show the credit bureau Im doing my part on my end Im also in the XXXX XXXX and I cant qualify for no bank account
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to investigate and correct inaccurate payment information on XXXXXXXX XXXX XXXX XXXX, despite multiple disputes. On XX/XX/XXXX, I disputed these inaccuracies, followed by a second dispute on XX/XX/XXXX. However, the errors remain on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The accounts in question are from the Office of the Attorney General ( OAG ) and include XXXX XXXX XXXX ( XXXX ), which is inaccurately reporting payment history from XX/XX/XXXX to XX/XX/XXXX, and XXXX XXXX XXXX ( XXXX ), which is inaccurately reporting payment history from XX/XX/XXXX to XX/XX/XXXX. The date last active is also inaccurate. The date last active is also inaccurate. Despite my multiple dispute submissions, Experian has failed to conduct a reasonable investigation as required by FCRA 1681i and continues to rely solely on creditor-provided information without independently verifying its accuracy. This failure to investigate and correct the errors violates the precedent set in XXXX XXXX XXXX XXXX, which requires credit bureaus to perform reasonable investigations rather than blindly accepting creditor data. Your company 's actions constitute negligent non-compliance with the FCRA and have caused harm to my credit standing. I respectfully requested the FTC to investigate this matter and ensure Experian complies with the FCRA. Attached are copies of my dispute letters to both the FTC and Experian as well as documentation of the incorrect payment histories for reference.
Product: Checking or savings account

I wanted to get a loan and I went online to get the loan I didn't know it was on a scam and they put the money in the checks in my account now both of my account checking and savings account has been overdraft and they told me it's my fault it's not my fault at all all I was trying to do is get along so I can get pay off my bills
Product: Credit card or prepaid card

I charged {$35000.00} for a cruise in XX/XX/2020 The cruise line XXXX cancelled the cruise in XXXX I disputed the charge Citi issued a conditional credit XXXX refunded the {$35000.00} to my Citi Bank Double Cash Card on XX/XX/2020 I requested a refund of the {$35000.00} either by check or deposit to my checking account Only XX/XX/XXXX, XXXX at XXXX, XX/XX/XXXX : replied " Expect to receive your refund check in the mail within 7-10 business days. you'll get a confirmation on email within 1-12 hours. 

Be rest assured Citi is with you. '' On XX/XX/XXXX they were still sending me messages saying the " credit balance is due to the conditional credit that we issued for an item ( s ) currently in a dispute status. " Also it was not in dispute status and they had the merchant credit On XX/XX/XXXX, Citi Said " Thank you for your patience! 
The dispute is successfully withdraw. I would like to inform you that, your last statement balance was {$280.00} and it got automatically deducted from the credit you have on the account. 
So I am going ahead and credit {$34000.00} to your checking account. You will receive the credit within 3-5 business days " This was followed by " I have process the credit balance refund. You will receive the fund within 3-5 business days, to your checking account.

Rest assured! '' Today I was told t would take another 7-10 days for them to review the refund request Basically, CitiBank is refusing to refund the money they owe me The billing dispute case ID was XXXX This should identify me to Citi
Product: Mortgage

We had a 15 year commercial loan on our real estate office. We sold the building after 6 years and paid off the balance of the mortgage. We were charged {$25000.00} pre-payment penalty on the balance of {$210000.00}. The original loan was for {$300000.00}. The note on the mortgage that was signed was very ambiguous and we never expected this huge prepayment penalty. We have been customers of this bank for over 45 years, and had all of our accounts with them. 
We were referred to you by XXXX XXXX XXXX XXXX XXXX, since this is not in their jurisdiction
Product: Debt collection

XXXX was involve in a lawsuit due to fraud overdrawn charges to a massive of clients in their bank accounts. If I am not mistaken this lawsuit took place between the years XX/XX/XXXX-XX/XX/XXXX. My account was part of this lawsuit. Due to a loss XXXX XXXX sent refund checks to their clients. Unfortunately, I misplaced my check and found it a week after deadline to cash it. After this issue I find out this amount was in a consumer report collection and I was unable to open an account at a Federal Credit Union. I disputed this situation with XXXX, main office, and with Consumer Relations, XXXX XXXX , XXXX. I presented copy of the check and other documents I was able to find along with my statement but it was failure. I was unable to clear this collection. 

After 2 or 3 years I received in XXXX 2015 a settlement letter from Synergetic Communication , Inc. I feel exhausted disputing for this amount, XXXX have a horrible customer service when it comes to dispute these type of situations or they can not accept the truth. 

My huge interest is to clear all my collection accounts, which for different reasons whether was a default of my end or inevitable situation to handle. I am in a status to work my credit to a great credit.
Product: Student loan

I began calling Aidvantage on XX/XX/2022 and now as of XX/XX/2022, I have not been able to reach customer service on the phone. Each time I call the line disconnects when transferring to customer service. Aidvantage put me in a IDR program that makes my payment double the regular payment and they said the only way to fix it is to put the loan in repayment and call them back. Now that it is in repayment they will not answer their phone. XXXX XXXX keeps sending me back to Aidvantage.
Product: Student loan

XXXX  has been nothing but horrible to me since the start. They started mandatory repayments before the repayment pause was over, which they corrected but it seems incredibly scummy that they did that fully knowing there was a payment pause. Their payment system is nothing short of a headache. They first accepted payments from my savings account but then started declining those payments days after submission which caused late payments on the account. My most recent trouble with them highlights further issues where I would submit a payment, not get verification, then try again. Both got charged simultaneously causing both to get declined and two return check fees which then caused me to be unable to pay them until later. I submitted another payment which went through, but then later on when I got my paycheck deposited they charged both of those declined payments, resulting in my account to currently be in the negative racking up returned check fees. Their system is rife full of what is known as XXXX XXXX, aspects of system design and implementation that seems to simply want to charge me as much as possible likely before any further moves can be made for student loan forgiveness. If I had the opportunity to change loan servicers I would In a heartbeat. I have never had a problem with any other financial institution or commercial entity the same way I have with XXXX  and now I am financially ruined for at least a month based on their refund times to correct this issue. I need this complaint posted and I would hope that there's enough people with similar issues that action can be taken or their license to serve student loans is taken away because I do not trust them, their system has been nothing but a XXXX  trying to take more money away from me, and despite the capable customer service staff, it shouldn't be on them to fix design aspects that seem to be predatory in nature.
Product: Credit card or prepaid card

Repeated rude customer service from Fifth Third Bank and I fell complaint against the bank already has let me to close my accounts and doing cell Fifth Third has kept the savings account open after I requested for it to be closed past it's close day they actually did not close the account until I threatened to file another complaint against the bank then they close that account I finally was able to close my checking account and trying to close the XXXX XXXXXXXX prepaid account the rude Banker who I've had issues with before told me to close the account I would have to withdraw the funds when I withdrew the funds and try to close the account the bank or I spoke with said that the account can not be closed because there withdrawal I made off that card was still pending I asked her why the gentleman that was the teller didn't tell me that and will drawing those funds I would have to wait to still close the account I've waited well over a week now for the account to clear of the small {$2.00} I took out of the account I was told that I could call back into customer service with the XXXX card and have it closed when I called into customer service they refuse to close the card I was bounced around to several different departments and at this point I'm not going to continue going back and forth to the branch and calling the customer service to have this prepaid account open this is the second fraudulent account that the Fifth Third bank institution has failed to close at my request
Product: Credit reporting, credit repair services, or other personal consumer reports

We were in the process of refinancing when our title company when we learned that GMAC recorded a lien in error in XX/XX/XXXX. We had resend within our rights and a few days later we closed with GMAC and that lien was recorded as well. 

We are working with the title company XXXX XXXX  XXXX at a XXXX Connecticut and theyre stuck and not able to remove this error of a recorded lean which is not on our credit report. GMAC was Bought out by XXXX  who has since been bought out by PHH
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claims date of first delinquency is XX/XX/2011. Statute of limitations is 6 years in Nevada. This debt is too old and needs to be removed from all of my credit reports.