23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a debt collection notice from XXXX XXXX XXXX, on XX/XX/XXXX. 

I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and copy of the certified mail receipt ) I received a call from XXXX XXXX from XXXX & XXXX on XX/XX/XXXX at XXXX. I have the saved voicemail. This account was in dispute and they still were attempting to collect on this debt. 

I received an envelope from XXXX XXXX XXXX on XXXX XXXX, XXXX. The contents had nothing I requested.
Product: Debt collection

Out of the blue I received a debt collection notice saying they were collecting debt of {$710.00} for a XXXX XXXX  which I have no idea what it was and was never notified of. I replied with written notification disputing the debt and demand of supporting documentation ( as the debt collection simply stated a total due with no supporting documentation ) but received no supporting documentation or verification.
Product: Vehicle loan or lease

I financed a XXXX Nissan Altima from Nissan Motor Acceptance Corporation ( NMAC ) in XX/XX/XXXX. I also purchased GAP and other warranty products at the time of purchase. On XX/XX/XXXX I was involved in a car accident in which the vehicle was totaled. My insurance paid most of the car balance off with NMAC except for approximately {$1500.00}, which comprised of the GAP premium and warranty package. I filed a claim with the GAP company listed on my loan documents from NMAC which put me through a series of hoops in order to fax them paperwork every week only to not review it for another whole week and send me a letter via mail each time they requested new information. I would not receive a call related to my claim or any direct communication. I spent over 3 months trying to have the remaining loan balance paid off with NMAC. I even requested to just have NMAC place the remaining balance onto the new car I financed with them in XX/XX/XXXX. They declined. Instead they insisted on allowing my GAP claim to be denied for charges that were only there due to me even purchasing the GAP and extending warranty to begin with. Had I not purchased these products that in no way helped me in the way they portrayed that it would if I ever was to find myself in this situation, I would not have a remaining balance on this loan. Since I had to purchase a new car after totaling my car I could not afford to continue making payments on the XX/XX/XXXXloan, thus it has affected my credit significantly. I feel this practice of selling GAP products without fully explaining how they work is a total sham. I
Product: Debt collection

This account was opened inXX/XX/XXXX I moved to this address in XX/XX/XXXX I asked to get the accounts verified but ssn and nothing was done XXXX said that account was verify, but were not tell me how the account was verified with what information
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I received a collections letter ; Paypal sent them the account set up in my name with my information. The fraud occurred in XX/XX/XXXX. I spoke with the collection agency and with payapl reps. Paypal would not comply with my requests, but finally I was told that there would no longer - never be - another account with my name. 
I filed with the FTC - ID Theft, following all their recommendations. One such document asked for information on the transactions they -Payapal - processed ; no reponse. 
I spoke with someone in the ID Theft center and followed his instructions. I have seen no charges to me but I would still like some information as to how this happened. This is the SECOND time my ID has been stolen/used with paypal. The first being in XXXX, when I spent much time and effort clearing the issue.
Product: Student loan

Nelnet is saying my account is past due. XXXX they are servicing two of my loans ( groups of loans ). On one of them, they haven't sent me a statement since XXXX. When I call them they tell me that the sent a statement over the weekend ( XX/XX/14 ) but the payment was due on the XXXX. They offer forbearance, but I want to make my payments. This is the second time they just stopped sending statements and I had to call. I believe that they intentionally induce late payments by not mailing statements ; they try to force you into online accounts and e-payments. They are not helpful. Customer service is terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. No one of these  inquiries which I listed in Identity Theft does not belong to me or any transactions made by me. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 
Please remove every thing as soon as possible because all of these are destroying my credit.
Product: Credit reporting 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 XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX, violated my rights. 
I looked at my Equifax credit report on XX/XX/year> and noticed somethings are incomplete and not accurate, and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Debt collection

Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Subject : Request to Cease Communication Pursuant to 15 U.S.C. 1692c ( c ) Dear Portfolio Recovery Associates, I am writing to formally request that you cease all communication with me regarding the debt referenced in your communications. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692c ( c ).

Please note the following : Cease Communication : From the date of this letter, you are no longer permitted to contact me by phone, mail, email, or any other means regarding the aforementioned debt. 
Legal Actions : If you intend to take legal action against me, you are permitted to notify me once, as required by law. However, any further communication regarding the collection of this debt is strictly prohibited. 
Disputes and Errors : If there is an error in your records or if you wish to provide verification of the debt as required under the FDCPA, you may do so once. I reserve the right to dispute any inaccuracies.

Failure to comply with this request may result in me filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities, as well as pursuing any legal remedies available to me.
Product: Debt collection

In XXXX I was contacted by XXXX XXXX XXXX, XXXX about a charged off credit card with Synchrony Bank/ Care Credit XXXX They were trying to collect {$8100.00} I wrote back to the company asking for debt verification within the 30 days. I also asked them to not contact me by phone, email, social media but to communicate with me only in writing. 
XXXX never answered my debt verification request but continued collection efforts by mail and also by calling me 2-3 times a day. In XX/XX/XXXX they sued me, although the debt was never verified. They reported inaccurate information to the 3 Credit Bureaus and when I filed a dispute they refused to update the account as disputed.
Product: Debt collection

Submitted complaint through cfpb a couple years ago including hiring an attorney. Item was removed. Now it appears Jefferson Capital has account and it appears on my credit reports on all ( 3 ) credit bureaus.
Product: Credit card

Synchrony Bank ( XXXX XXXX XXXX XXXX XXXX XXXX ) has started to charge {$1.00} per month for paper statements. This is in violation of of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibition of Certain Fees. 

I had submitted complaint XXXX with XXXX XXXX XXXXXXXX XXXX XXXX who forwarded complaint to Synchrony and informed me that your agency is responsible. No response was received from Synchrony.

I also attached a flyer that was included with a recent paper bill.
Product: Mortgage

My mortgage loan servicer, OCWEN, send me my mortgage interest statement ( " substitute form XXXX '' ) for XX/XX/XXXX. 
On it, I noticed a mistake in their favor. 
My property insurance and property taxes are " escrowed in '' with my mortgage payments. 
The annual property insurance of {$590.00}, was mistakingly deducted from my escrow account XXXX, on XX/XX/XXXX and again on XX/XX/XXXX. 
I contacted OCWEN on XX/XX/XXXX about this issue. 
After many frustrating hours on the phone, with people in XXXX and the XXXX, finally employee XXXX, ID # XXXX, discovered what went wrong : They mailed the payment XXXX to a wrong address of XXXX, whom I have my property insurance with, then they got the check returned to them and then they mailed a new check to the right address. 
The problem is that OCWEN deducted the amount XXXX as disbursements from my escrow account, and never reimbursed me for the mistakingly XXXX deduction from my account. 
A supervisor, XXXX, ID # XXXX, XXXX, ID # XXXX and I had a conference call about this issue and it would be researched. 
On XX/XX/XXXX, I had heard nothing, so I called OCWEN again, and only after suggesting that I might take legal action, did I get connected for the XXXX time with somebody in XXXX USA. His name is XXXX, ID # XXXX and he is a manager for OCWEN. 
Finally he understood and saw the problem, which can be very easily seen on form XXXX, and he figured the issue will be fixed in a couple of days. 
A week later, on XX/XX/XXXX, he called me, but had absolutely no information other than that the issue is not resolved. 
I waited till XX/XX/XXXX to call XXXX again, who had given me his phone number and extension, XXXX ext. XXXX, only to get an answering machine. 
I left a message with my phone number, loan number and a reminder of the issue. 
On XX/XX/XXXX I tried to call several more times only to get an answering machine. 
On XX/XX/XXXX I left another message. 
Up to this moment in time I have not heard from XXXX or anybody else from OCWEN. 
I called the " note holder '' of my loan, XXXX, and they informed me that OCWEN has the servicing rights, but that OCWEN does not work for them. They said I would get results solving this issue by filing complaint with you, the CFPB. 
All in all, OCWEN has now been shorting me on my escrow account 16 days short of one whole year, and known about and admitted to, the {$590.00} mistake for 34 days. No action has been taken to reimburse my account and I am being completely ignored with all my phone calls and messages to the employee who would handle this issue, XXXX.
Product: Credit reporting or other personal consumer reports

Equifax 's credit reporting bureau has been removing my credit freeze without my permission. Information on my credit file is being reported inaccurately. It is completely unsure how my freeze was lifted and why my information was used, distributed, released, reported, or provided without proper authorization. I requested the company to remove all disputed information and to immediately place a fraud alert on my information. I was able to gather the screenshots of their system trying to prompt me to logout without me requesting to logout.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, When attempting to sign up for early access to the new XXXX XXXX this past summer, however my application kept getting denied. I had sufficient income, and XXXX and XXXX XXXX ( creditor ) couldn't figure out why my application was being declined. 

Eventually it was found that the hang-up was the identity verification process : Equifax could not reconcile the differences on my application with the information they had on file. 

I verified my address and DL number with Equifax over the phone. It became clear soon what the problem was, though : they told me that my SSN on their credit file for me wasn't correct : It was XXXX instead of XXXX. 

I was instructed that I would have to help them verify that the SSN attached to XXXX wasn't a real number, and wasn't mine. I would have to *FAX* them documents and include a letter to their dispute department with *specific verbiage* ( which I was verbally read, but can not find online ). 

These documents include : A copy of my social security card, my birth certificate, a recent bill verifying my residence at XXXX XXXX XXXX ; all sorts of information that I can easily get, but I absolutely do not want to FAX them and create a security risk to my identity. 

But that's not even the basic problem : I don't own a fax machine and I don't know anyone that does, either, so how am I reasonably supposed to correct my information? 

Furthermore, I can't sign up for an account on Equifax 's website because of, I suspect, this issue. 

I also can not request my legally-mandated free annual report from Equifax due to their error. I have already been supplied with accurate ( and blank, I should add ) reports from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Payment of {$1000.00} made on using XXXX XXXX XX/XX/2020 was not posted timely to my account although Loancare received funds via a bulk payment # XXXX on XX/XX/2020. There mistake affected my account status and they refused to help me fix it.
Product: Credit card or prepaid card

On XX/XX/2022 XXXX  at XXXX I was made a payment to my credit card for Bank of America ATM machine out side a Bank of America located at XXXX XXXX XXXX XXXX, XXXX CA XXXX, ATM ID is XXXX the card # is XXXX Amount is {$1200.00}, but when i taped the view bill tape the screen was frozen there, non of the button on the ATM was working anymore, after a few minutes the ATM just took my money, ATM didnt give me receipts and there werent payment transactions appear on my account balance, I called the credit card company right away until now they didnt have any answer for me I am kind of stressed out.
Product: Debt collection

XXXX XXXX XXXX Account XXXX I have never received a single letter from this agency ; however, I am now seeing this on my credit report through XXXX. Additionally, the amount that the agency is trying to collect is absolutely fraudulent. According to my healthcare insurer XXXX the patient responsibility on my claim is {$2000.00}. XXXX XXXX XXXX is reporting a debt that is completely inaccurate {$6400.00}. I had absolutely no knowledge that this was in collections because I had not received any correspondence. I do not feel that it is very ethical for the Law Office to try to collect more than the hospital is contracted to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home loan. My lender told me I was deceased. I then called equifax to get it resolved so I can finish purchasing my home. Its been over a month since I first called. I called over 30 times and sent them three faxes with my information. Its still yet to be resolved. Its staring I have absolutely no credit history or anything. I still use my credit cards daily
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan for XXXX in XXXXXXXX XXXX XXXX. I have made my payments usually early and for the last five months 3 to 4 times the minimum payment yet they continue to charge.me late fees.
Product: Bank account or service

I conducted a {$950.00} cash advance at a local XXXX Bank using my Chase Debit Card. 
I looked at my account and saw a fee for {$28.00}. I called Chase '' XXXX telephone banking to inquiry and I was told that is the fee for doing a cash advance. 

My response to this info was I can understand if I was in another country conducting this transaction but for me to get charged that fee in my hometown domestically is ludicrous. 

I went on to asked who can I speak to to have this fee refunded, waived or removed the telephone banking rep told me " no one '' I asked to speak with a supervisor and XXXX continued to deflect and not get a manager on the phone. Evenutally I was put on hold and upon his return he advised me that he spoke with a supervisor and he has been given the govahead to waived the fee but he was XXXX the account so that no other fees will be refunded. 

My compaint is this is extremely absorbant. The maximum someone can take from an ATM is {$500.00} per day. To be charged a 3 % regardless if it is disclosed in a brochure issued years ago when the account was open is mind blowing. 

I can understand a {$5.00} or something but 3 % that is criminal and unethical.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts on my credit report this morning, and I have no idea what couldve caused it. I always check my report regularly, but this time, strange discrepancies showed up out of nowhere. I tried refreshing my browser, thinking it was a simple glitch, but the errors remained. Now, Im asking for a thorough review of the documents Ive sent so I can stop feeling this constant stress and worry.
Product: Credit reporting or other personal consumer reports

I asked all companies to update to paid as agreed and remove negative payment history. need negative payments to be deleted or account deletion. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services for this account.