23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Dispute of Debt and Request for Investigation into Collection Agency Practices Dear CFPB, I am writing to formally dispute a debt collection attempt by [ BONNEVILLE COLLECTIONS ] regarding an alleged debt. I am requesting your assistance in investigating their practices, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

Dispute of Debt : I am disputing any and all debts claimed by [ BONNEVILLE COLLECTIONS ]. I have not received any documentation or validation information from them to substantiate this alleged debt. This is in violation of 12 CFR 1006.34 ( b ) ( 5 ), which requires debt collectors to provide validation information within five days upon initial communication.

Revocation of Communication : Furthermore, I am revoking all rights of [ BONNEVILLE COLLECTIONS ] to communicate with me through any means, including email, text messages, or phone calls. All future communication must be sent through certified mail addressed solely to my attorney. This is in accordance with my rights under the FDCPA.

Additional Requests : I request debt validation from [ BONNEVILLE COLLECTIONS ], as mandated by 12 CFR 1006.34 ( b ) ( 5 ).

I request a copy of the purchase agreement between [ BONNEVILLE COLLECTIONS ] and the original creditor.

I request proof that [ BONNEVILLE COLLECTIONS ] is licensed and bonded to operate in my state.

Alleged Violations of Consumer Rights : [ BONNEVILLE COLLECTIONS ] has not provided me with an opportunity to dispute the alleged debt, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

[ BONNEVILLE COLLECTIONS ] is using false, misleading, misrepresentative, and deceptive means to collect a debt, in violation of the FDCPA.

[ BONNEVILLE COLLECTIONS ] has furnished the alleged debt to credit reporting agencies without providing any disclosures required by law, in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I urge the CFPB to investigate these practices by [ BONNEVILLE COLLECTIONS ] and take appropriate action to ensure they comply with the FDCPA and other consumer protection laws. I request to be kept informed of the investigation 's progress and outcome. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX XXXXXXXX {$4200.00}
Product: Checking or savings account

Today on XX/XX/XXXX I called USAA ( United Services Automobile Association ) XXXX from my cellular phone XXXX XXXX, with the intentions of opening a new checking account. I was briefly transferred at the 1st call to another department. The 2nd call updated general contact info ; address, email, telephone number. After updating info and the 2nd agent then informed me I was incorrectly transferred and she would then need to transfer me again to correct department. The 3rd call was my final conversation with a customer service agent of XXXX. The agent informed me before I can open a new checking account. I would be required to pay old credit card balances from XXXX & XXXX, which to my surprise are not only well past the stature of limitations but have been cleared via guarantor insurance. The agent did not verbally recite a Mini-Miranda ( or when I was transferred to the 3rd rep no recording advised of a Mini-Miranda ) that both accounts had to be paid in full since it was a collectable debt. I advised that would be illegal to as it would be double dipping when I stated that XXXX has already been paid via insurance guarantor this seem to make the agent ballistic. She began overtaking and yelling to the point I had to be firm and take control of call. I then advise to transfer me to a banker the agent refused, she was aggressive and combative to she volunteered her supervisor ( which I didnt ask for ) I then said Our conversation is over Please connect me to a banker for assistance, she then placed me on hold then I go the voicemail of a XXXX who on her voicemail greeting title was Sr. Rep or a Team Lead. So in fact I was not even transferred to the person the agent demanded I be connect with or the correct transfer that I requested to a banker
Product: Student loan

navient should have discussed other repayments plans like IBR with me when i was applying for forbearance. i had to learn about it from the internet. i could have been paying toward the 25 year plan while i was making way less money.
Product: Debt collection

When I checked my credit report, I had a negative mark that stated I owed {$1000.00}. to XXXXXXXX XXXX. The dates shown for services was in XXXX of XXXX or XXXX. I have always had medical insurance through XXXX XXXX and only go to XXXX XXXX when I go to a doctor or hospital. I tried talking to an associate from RashCurtis and didn't get anywhere with them, as they refused to communicate if I didn't provide all my personal information over the phone. The amount keeps going up and bringing my credit down. I tried to dispute this through the credit bureau only to have them say it was proven to be mine. When I try to communicate with them to find out how they came to this decision I get nothing in return.
Product: Credit reporting or other personal consumer reports

My sister, XXXX XXXX, and I have contacted experience multiple times during the last two months. They are constantly mixing up our information causing my Credit score to dedrease..We are twins and our Social Security numbers are just one digit off. They are putting my information on her report and vice versa. This information is student loans, credit cards, Home addresses Names, etc. my sister knows pretty much all my personal information regarding my debts. This is an identity breach and a breach of security. There are security laws that protect citizens against this, XXXX, are close, but not that close. I am extremely upset that she is aware of how much debt that I have incurred in my life. She had no prior knowledge and did not even know my credit score beforehand. She now knows everything! This is very personal information. What makes matters even worse, is that this is not the first time we have contacted credit bureaus each and everyone of multiple times over the years. 
XXXX has accused me multiple times over the past few years of using her Social Security number. This is causing me so much stress and is driving a wedge between the relationship I have with my sister. 

I typically keep my credit report locked. In XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX denied me Credit because of a fraud alert. They contacted my sister ( instead of me ) to verify that I was applying for Credit. Of course, since she in fact, was not applying for Credit and that I was applying for Credit, she told the customer service reps no and they marked my application as fraud, denying me Credit. 
She did not know that I was applying for a new credit card. One day during casual conversation. She mentioned to me that someone was trying to steal her identity and apply for credit cards in her name. I then mention that I applied for Credit and that it was denied because of fraud. I didnt realize that they contacted her instead of me. 
I contacted the credit card company and explain the situation. After multiple calls and holding on the phone, I was told that I would have to contact the credit bureau, ( Experian ) because that is the number that they had on file for me and that there is nothing that they could do about it.

When we contacted Experian two weeks ago, she service rep was very rude, condescending and disrespectful. He yelled at and over talked me when we were just calling for an understanding of our accounts. I eventually asked for a supervisor and was told that I will get a call back in 24 hours. No one has called me yet. 
They are beyond unprofessional and only thing that we are asking for is that our accounts be corrected.
Product: Debt collection

I received a letter in the mail on XX/XX/2021 i didnt recognize the account they were referencing. I called to find out the first woman stated that my account couldnt be serviced and that she couldnt access any information on it, but they sent me letter which was confusing she transfers me to a male who not only was rude but after having asked for my name then provided me with my own date of birth and last 4 of ssn vs asking me to verify it for him and when i asked why he did that vs having me verify he replied with let me transfer you to a supervisor for help because i dont have time and before i could say anything i was transferred to a woman named XXXX who again wanted to tell me what my information instead of confirming who i am before sharing information all i wanted was an explanation to the account and instead i got passed off to osmeone else every time and when i tried to tell the supervisor about the prev reps she was so set on compliance and getting me to say something verbatim she didnt carea bout how i was treated by her agents
Product: Checking or savings account

I deposited a check from the XXXX XXXX XXXX XXXX around 10 days ago for approx. {$2300.00}. I received a call from an XXXX XXXX who said he was from this organization. He later talked about a lottery prize of {$9.00} XXXX. 

I ended up losing money, because he was able to tell me to do various things like buy XXXX cards and photo the number.
Product: Credit card

I got a credit check notification from XXXX and XXXX saying that Capital One did a credit check on XX/XX/XXXX. I received the credit card in the mail box on XX/XX/XXXX, with no " congratulations for approval '' mail or emails. I also called and reported fraud on the same day ( XX/XX/XXXX ). The person that I was speaking to provided me with their name, agent number, and case number. The name that they has printed on the card was the name prior to legal name change ( XXXX ) Another thing ( I don't know if this is helpful or not ) XXXX notified me that my information was found in the dark web back on XX/XX/XXXX and XX/XX/XXXX, both of which were unknown websites, as XXXX stated.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach as a result I have illegal accounts on my credit report, I have cellphone in my name that I didn't apply for, I was a victim of XXXX fraud we're someone used my info. Equifax has admitted to me that I was affected by the data breach but has done nothing to take this illegal accounts of my credit report
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/24, XX/XX/24 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I have some unauthorized inquiries appearing on my credit report.
Product: Credit reporting or other personal consumer reports

I am asking for help with my investigation this company is re-insert previously deleted accounts and have re-inserted the accounts on my credit report I have attacted three accounts the were deleted and now re-inserted on my credit file causing me to lose my employment and now going though financial hardship please help with accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, its been 30 days or more for this fraudulent account reporting and the only response I received was debt verified. I want to know who verified the debt? By law in 30 days or more the debt is suppose to be remove if not verified by the lender. I want to see signatures stating that I got the auto loan.
Product: Credit card

I am writing to file a complaint for unresolved pending charges on my account which is preventing me from closing my account and potential non-compliance with regulatory standards. I submitted a XXXX complaint on XX/XX/2023 which they have just been ignoring so hopefully you get a better response from them. They just keep deleting my messages out of my portal with them anyway attempting to hide my contacts, despite me having email verification they responded, poorly. You can see in the attachments how my message center only shows one message while the email screenshot shows they responded about the same account on XX/XX/XXXX. They are now actively trying to cover their tracks and hide any wrongdoing. 

1. Unresolved Pending Charges : For over five months, my account with Synchrony Bank has been burdened with two pending charges that remain unresolved. Despite my repeated attempts to resolve this issue with the bank, I have been met with unproductive advice and a lack of substantive action. The bank 's insistence that these charges will " drop off '' and their directive to contact the vendors involved have not led to any resolution. This not only reflects poorly on Synchrony Bank 's customer service but also restricts my ability to close my account, a right I believe is protected under consumer protection laws.

2. Non-Compliance with Data Protection Laws : The persistent issues with my account at Synchrony Bank have raised significant concerns about their adherence to various data protection and financial regulations. These potential violations include, but are not limited to : California Consumer Privacy Act ( CCPA ) and California Privacy Rights Act ( CPRA ), Gramm-Leach-Bliley Act ( GLBA ), The Fair Credit Reporting Act ( FCRA ), Sarbanes-Oxley Act ( SOX ), Payment Card Industry Data Security Standard ( PCI DSS ) The consequences of such violations are severe. They can lead to extensive external audits, hefty fines, legal actions, and a substantial loss of customer trust. 


In severe cases, repeated or gross non-compliance can result in more drastic regulatory actions, including the revocation of licenses to operate in certain jurisdictions. Given the seriousness of these issues, I request the CFPB 's immediate intervention. Specifically, I seek : - Prompt resolution of the pending charges on my account so I can close it. 
- A thorough investigation into Synchrony Bank 's compliance with data accuracy and protection laws, especially in light of California 's CCPA and CPRA.

- Assurance of measures to prevent similar issues in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a my Complaints # XXXX, XXXX, XXXX on XX/XX/XXXX but I discovered that you have closed my complaint on the same day. I am resubmitting my complaint to you to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item not later than 4 business days. Here is the list of erroneous items found on my credit report : XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

I have multiple companies showing up that I did not do business with
Product: Debt or credit management

Child support is not supposed to be on my credit it's not accurate
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX VIN Number : XXXX XXXX NOTICE for requested documents Company is illegally attempting to repo the vehicle, they were ordered to Cease and Desist Harassment Pursuant to 15 U.S.C. 1692d
Product: Checking or savings account

On XX/XX/XXXX and XXXX several unauthorized transactions occurred on my account, and I didnt authorize. I received a notification for a purchase at XXXX groceries that I did not do. Immediately I notified American Express Serve stating that I was not that person making that transaction. So I check my account and notice that my balance have declined a lot subtracting {$6800.00} dollars from my account and those transactions that was made on my account was not of my doing. So I filed a declaration of fraud form and was denied my refund credits. Please look into this matter I am distributing all charges that was made without my consent. Thank You!
Product: Credit card

After getting a new credit card in the month of XXXX, the card was not visible under my online banking account. When enquired over phone with Bank Of America, i was told that there are two different profiles under my name and and i need to furnish my identity proof.When i went to the bank i was told that there are two more credit cards under my name which i never had. Upon further enquiry it was revealed that my social security number was updated under somebody else 's account and the other person was able to see my address, date of birth, social and credit card transaction. And that person was able to trace me to my address. This is clearly a blunder from Bank 's side and my social and other private information was compromised by the bank. I had applied for the new credit card with my social, how can that be updated under other person 's account. Also my credit card was blocked by the other person as he thought this is a fraud. How can somebody else block my card. After this incident i checked my credit report and i was able to see two addresses, one of which was not mine. Even somebody else 's credit card under my account jeopardizing my credit history. Because of this, i am living in fear of identity theft as my SSN was compromised.
Product: Student loan

I emailed Nelnet with a question about principal and interest allocation on a payment and have not received a response. I also received two different statement amounts in XXXX and XXXX, XXXX at {$59.00} monthly payment to {$220.00} in XXXX.
Product: Vehicle loan or lease

Auto loan was paid off by insurance company for a total loss (   XXXX    ) with a posted date of  XXXX  XXXX /17. Gap insurance covered remainder of loan (   XXXX   ) with a posted date of  XXXX / XXXX /17. A payment was made during insurance settlement on  XXXX / XXXX /17 of   XXXX   resulting in a loan overpayment of that amount. Statements show a reverse payment was issued on  XXXX / XXXX /17. Spoke to lender and was informed a " explanation of payment '' form from GAP carrier was needed. Form was email on  XXXX / XXXX /17 to myself and lender to email address that was furnished to me. Funds from reverse payment have not been issued after several attempts to obtain explanation.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is CREDIT MANAGEMENT LP # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT MANAGEMENT LP failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item is on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CREDIT MANAGEMENT LP failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. CREDIT MANAGEMENT LP is held liable as well for defamation and in the state of OHIO a creditor is who collects they are on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where CREDIT MANAGEMENT LP is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. CREDIT MANAGEMENT LP. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Student loan

I applied for the XXXX in XX/XX/2021. I have been given the run around and excuses for the past two years. I qualify for the loan forgiveness. I have called MOHELA many, many times. This has been a two year nightmare. I recently received a letter finally saying I have qualifying payments but now my dates are not eligible. This has been a two year nightmare. Not trying to get some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed 2 disputes with equifax credit bureau. One was dated XXXX and the other was XXXX. Both had an estimated date of completion as XXXX. I hired a credit repair service to help me but no help. I would like both of the disputed items to be removed from the credit reporting agencies, specifically equifax and XXXX because the time limits by law have been violated. Thank you so much for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX {$920.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$710.00} XXXX. XXXX, XXXX Original creditor : XXXX XXXXXXXX XXXX {$3700.00} XXXX. XXXX XXXX  {$3000.00} XXXX XXXX XXXX  {$300.00} XXXX. XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX. XXXX XXXX XXXX {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.