23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> 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 Agency , 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 consist of incorrect personal information, collection account with XXXX  XXXX, closed credit card accounts with XXXX XXXX XXXX XXXX and XXXX XXXX, and an auto loan account with XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VERIFICATION OF DEBT REQUEST RE : ACCT # XXXX Dear XXXXVNV FUNDING, I am reaching out to you about the debt you are trying to collect.. This letter is being sent to you pursuant to the Fair Debt collection Practice Act. 15 USC 1692G, SEC 809 A AND B WHICH STATES YOU MUST SUPPLY THE FOLLOWING INFORMATION. I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This prof must include. 
The complete and signed contract for the debt obligation which is the subject matter of this dispute. 
An itemized breakdown of what you claim the money is owed for. 
Explain and show me how you calculate the amount in dispute. 
Provide me with copies of any documents, ledgers, spreadsheets etc., that show that I agreed to pay this amount you claim I owe. 
Identify the original creditor. 
Identity the accurately describes any third-party cost for which you are charging me and that you have included in the disputed amount along with a complete itemized of all such charges. 
Provide me with any affidavit that the XXXX of Limitations has not expired on this account. 
Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine. I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : a ) Violation of the Fair Debt Collection Practices Act.

b ) Defamation of Character. 
Sincerely, XXXX XXXX
Product: Student loan

Navient, erroneously is holding me responsible for loans I never took, from a school ( XXXX College ) I never attended in 2008. XXXX College has confirmed that they have no record of me ever taking any loans this and advised me to deal with Navient directly. Navient, continues to tell me to talk to the school, and will not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI AM UPSET THAT ON XX/XX/2015 XXXX XXXX WAS ON MY CREDIT. THIS COLLECTION IS NOT MINE AND I CANT MOVE FOWARD WITH MY LIFE WITH THIS COLLECTION. IT IS FARDULAENT AND NOT MINE. I HAVE XXXX KIDS THAT I AM TRYING TO MAKE A BETTER LIFE FOR BUT I CANT BECAUSE OF THIS. I NEED THIS REMOVED ASAP SO I CAN START MY NEW JOUNERY
Product: Debt collection

I received a " Notice of Violation '' in XX/XX/2018 for allegedly running a red light in XXXX XXXX, Texas on XX/XX/2018. This notice indicated that I owed the " XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX  '' a balance of {$75.00}. On XX/XX/2018, I sent a cease and desist letter to this corporation located in XXXX, Ohio. I formally notified them that non-compliance would result in my filing complaints with both the Federal Trade Commission and the Texas Attorney General 's Office. I sent this letter via Certified Mail, and I received a receipt from the corporation that they received my letter. I have copies of all correspondence and receipts. 

On XX/XX/2018, I received a debt collection notice from TransWorld Systems , Inc. from XXXX, Ohio. This notice informed me that the account had been placed with them for collection, and the balance had increased to {$100.00}. I contacted the Consumer Financial Protection Bureau on XX/XX/18 and spoke to XXXX ( ID # XXXX ) to begin the formal complaint process, and I was referred to this website to continue my complaint. I plan to send an additional cease and desist letter via certified mail to TransWorld Systems , Inc. today.
Product: Credit card or prepaid card

Opened a dispute with Chase [ XXXX ] about XXXX purchases that were not delivered, because of XXXX refusal to deliver XXXX and I refused to drive XXXXXXXX XXXX miles roundtrip to retrieve. 

I promptly closed that ChaseAmazon Credit Card on or about XXXX after these ongoing problems continued, and also shuttered the Amazon account ; which never issued regular receipts describing items purchased with anticipated delivery dates included on their acknowledgement email. 

That dispute was Opened on or about XX/XX/2022 by phone. I immediately paid the undisputed amount {$350.00} by personal check XXXX on or about XXXX which was cashed. 

Chase never, until receipt was had on or about XXXX of two letters dated XXXX and XXXX, provided andor requested any written communications, whatsoever, subsequent to that initial phone dispute being filed XXXX requesting I provide any documentation I possessed but simply tried calling and calling and calling and calling until I had enough and actually stopped accepting all imcoming calls on or about XXXX. 

The demands dated XXXX and XXXX indicate now that if they do not receive the demanded documents by XXXX { two ( 2 ) mailing days after receipt of their only such request for production } that " we may close our investigation and you may be responsible for the charge ( s ) and any related interest and fees. '' in the meantime they woefully acknowledge having resolved some { mostly undefined } pending disputes. '' I am sending copies of the " Postal We Missed You '' ( PS FORMS 3849 ) documents left when delivery was supposed to have happened { the carriers simply refuse to deliver for Amazon and Amazon is well aware of this as it occured while Amazon Home Delivery was at my residence delivering and witnessed one such episode, firsthand }. But USPS has had ongoing issues with rural carriers employed to service my address since my purchase back on XXXX except for a few years before Amazon and XXXX struck up their deal that in essence screwed all the Postal Carriers [ as was explained to me by two ( 2 ) prior carriers one also a XXXX and my carrier for nearly 3.5 years and his replacement who was married to a XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is a follow-up to a previous complaint I had filed against Ditech Financial, LLC. 

Ditech has refused to cancel our PMI for multiple months. Per the Homeowner 's Protection Act, Ditech  must automatically terminate our PMI when our LTV reaches 78 %. Our LTV dropped below 78 % LTV prior to our XX/XX/2018 statement. In addition, we requested over phone and email that Ditech terminate our PMI three times in XXXX, XXXX, and XXXX. In our most recent call with Ditech, the Ditech representative tried to push us to pay for their appraisal service before we cited the Homeowner 's Protection Act, at which point they became apologetic. 

Ditech 's previous response to our CFPB claim cited the section in the Homeowner 's Protection Act that allows Ditech to require evidence that our home 's value has not depreciated in value. However, per the " Automatic Termination '' clause in the Homeowner 's Protection Act, if our LTV drops below 78 %, Ditech can not require this evidence before terminating our PMI.
Product: Credit card or prepaid card

I opened a Cashwise Visa Signature card with Wells Fargo Bank in XXXX of XXXX. I was assigned a credit limit of {$7200.00}. I made one charge of {$610.00} in XXXX of XXXX and have been paying on time ever since. I just received a letter from Wells Fargo in the mail on XX/XX/XXXX and much to my surprise they lowered my credit line from {$7200.00} to {$700.00}. The letter indicated my credit line was lowered as I did not have a Wells Fargo Checking or Savings account or any other line of business that they offer. I called their customer service line and they apologized for what was happening but made no effort to save me as a customer. I have had Auto and Home loans since XXXX and a Platinum Visa since XXXX. If they are trying to rebrand their image they have failed.
Product: Debt collection

I sent a debt validation/verification notice to santander and I have not heard back from them at all
Product: Debt collection

To Whom It May Concern, I am writing you in regards to CFPB complaint # XXXX. According to United States Code 15 USC 1601. Be advised, Congress is aware that economic stability would be enhanced and the competition for consumer credit transactions would increase throughout financial institutions, which means my credit is needed. The goal of Congress is to ensure that all consumers, such as myself are aware of the proper use of credit and to know how to avoid the uninformed use of credit and to protect consumers against inaccurate and unfair credit billing and credit card practices. XXXX XXXX, I made an uninformed decision to enter into a consumer credit transaction with XXXX XXXX XXXX I made an uninformed decision to enter into an agreement without knowing the meaningful disclosure of the credit terms. Pursuant to XXXX XXXX XXXX ( XXXX XXXX. XXXX ), an agreement is, a mutual understanding between XXXX or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by XXXX or more persons. As a result, I had no say or decision in the terms of the agreement. I was given a generic computerized agreement that is given to all consumers who enter a consumer credit transaction, without clear and conspicuous terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision, this debt becomes null and void. I, the consumer and natural person did not receive a printed adequate notice. Pursuant 15 USC XXXX. The adequate notice is to give me the pertinent facts clearly and conspicuously so that I had noticed and understood its meaning. XXXX XXXX XXXX  had the choice of printing the notice, giving it to me on each periodic statement, or by other means to assure I was in receipt of the notice and I did not receive either. As a result of deception of this one-sided agreement, your institution shall remove any derogatory remarks. XXXX XXXX XXXX has already updated the account to a {$0.00} balance after making them aware of initial violation of reporting on my consumer report as a charge off which you all are still in violation of. Charges-off 's ( canceled debt ) is defined as INCOME. INCOME does not go on a consumer report. You also stated that you mailed me something but did not verify my accurate mailing address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX there is no other verification needed for my mailing address as I just provided it to you in this complaint. I have also attached complaints to attorney general. I expect to hear a response from you all within XXXX days. Best Regards, XXXX : XXXX ' Without Prejudice. All Natural Inalienable Rights Reserved.
Product: Credit card

So I received an offer from XXXX XXXX -- for zero interest 12 months {$2700.00} through Wells Fargo Well Fargo sends me a statement saying please pay {$93.00} per month -- - and we will charge you XXXX percent interest Called XXXX -- and they said we don't calculate your 12 months payments -- pay the minimum and we'll charge you interest UDAP UNFAIR DECEPITIVE ABUSIVE PRACTIVES UDAP XXXX said they don't tell folks how to calculate 12 months no interest but pay minimum and you'll be ok
Product: Credit card or prepaid card

My BJ 's Perks Mastercard, managed through Comenity, is illegally applying payments above the minimum payment amount to the oldest balance and not the balance with the highest APR. I had this issue with them in the past and they resolved it, and now I am on the phone with them again because it is happening again. While they may be able to resolve it again, this seems to be a systemic issue they are having and I imagine there are other people this is happening to and it's not just me. They clearly knew the issue last time I saw it was happening and resolved it, only to do it again. I'm submitting a complaint because even if my personal issue is resolved, I believe that other consumers are also being charged interest illegally and they do not seem interested in updating their computer algorithms to applying payments legally ( applying payments above the minimum to the highest interest rate )
Product: Credit reporting or other personal consumer reports

Re : Request for Blocking and Deletion of Fraudulent Account and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent account activity and credit inquiries appearing on my credit report. I request that the following account and inquiries be blocked and deleted from my credit file pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). 
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

XXXX XXXX XXXX. First Colony Mortgage ( XXXX ) XXXX did not Relinquish the Keys to my houses which should have been done No later than XXXX XXXX, 2012 based on No matter what they are you XXXX when he or she gets the XXXX and claimed with faxes and foot step on land rule. The person is accounted for paying the XXXX from SSI and Welfare and the Direct Deposit Abduction Law is not neglected.
Product: Debt collection

I rented an apartment at the XXXX at XXXX XXXX XXXX XXXX and moved out of the premises XX/XX/XXXX. I was told that I would have to pay the relenting fees of early termination of lease of {$700.00}. I contacted the apartment because I had received a bill for approximately {$2400.00} from a collection agency called XXXX XXXX XXXX XXXX On numerous attempts. I tried to get the issue resolved with the correct amount being owed. I spoke with the apartment staff that made an adjustment and indicated that they did see an error in the amount that I owed and would adjust it. The adjustment was made to {$1400.00} I tried on numerous attempts to advise the collection agency of the correct amount and they told me they needed a copy of the corrected ledger. I submitted a copy of the corrected ledger, then they said the copy had to come from the apartment complex directly. The apartment indicated they sent a copy over as well. I made an initial payment of {$430.00} toward the balance and had made arrangements to pay the balance of {$1000.00} on XX/XX/XXXX. I got laid off work and contacted the collection agency and spoke with the unit manager XXXX XXXX @ Ext XXXX to stop that payment and make other arrangements for the {$1000.00} balance. They refused to take my request and told me to call back on Monday and speak with XXXX XXXX the account representative. I asked that since you are the manager, how come you could n't assist me. He said because I just cant. He also denied having the corrected amount that I owe and kept indicating that I was paying on a settlement. I tried to explain to them that this was n't a settlement because the amount of aaproximately {$2400.00} that they have is incorrect in the first place so there is no settlement. I have been placed on hold for long periods, been refused to get proper assistance to get the issue resolved and am very frustrated and concerned with how I have been treated and how they refuse to adjust the correct amount owed. Please help.
Product: Vehicle loan or lease

hi dear. Sir/madam ... I did buy a car from. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX n y XXXX that time i have good credit and i only pay {$350.00} dollars down payment. I agree to buy the car {$15.00} but they changed me maximum intereste rate 15.74 % I did pay them last payment XX/XX/XXXX after that I have financial problems and I 'm sick I ca n't pay them {$460.00} dollars so I hold them XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX by XX/XX/XXXX when I 'm 2 person came from Toyota Motor credit corporation. And the took my car. And the told me you have to call them but? that I m very help less I can not find any solution after one month the send me a later today pay them {$15.00}. I 'm from XXXX if there any chance to taking care me. So please CFPB. Help me why I have to pay them 15.72 % interest it 's almost {$13.00} dollars interest just buy a used car # XXXX thousands miles XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please review my complaint. And find for me the best life. Thank you All!!!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Capital One is stealing money from the American people. I found out that the mobil app is misleading and the fine print is not transparent... I called and spoke to XXXX employee ID XXXX phone call established on XX/XX/XXXX ending on XX/XX/XXXX 1 hour and 8 minutes on the subject with no resolution. The employee admitted that the app is misleading and not clear. I made a payment in full on XX/XX/XXXX I called to make sure I would not be charged interest since my payment was due on XX/XX/XXXX. The person who picked up said I would not be charged interest however, I still owed a balance of $ XXXX ..... I told the rep I could not see that balance on the mobil app and she advised me that the application which is published by the company is not correct. I asked what that means and here is what I was explained. I was told that the balance is lacking accurate information and I need to wait until the transaction clears to then pay the balance of $ XXXX which, then I would be charged more money on. I told the rep I was not happy and the rep basically told me tooo bad so sad we dont value your business even though you have been with us for 12 years and lost your job to covid-19 ( I worked for XXXX Cruise Lines ) I need to read the fine print and call in even though the application doesn't say the correct price there is nothing that can be done. I told the representative not to make me feel ignorant and I felt belittled even though I considered myself to be ontop of my finances. The rep apologized and still offered no resolution except im sorry next time dont accrue a balance so we dont charge you more money ontop of the money we charge you ..... I told the representative that I didn't appreciate the lack of knowledge and transparency. The rep XXXX was very nice but, didn't offer anything to help. I even asked if a monthly fee could be waived as I have been banking with them since XXXX and she said no. I want the company to understand that if they publish the mobil application the least they can do is provide a section that allows to truly pay in full without double dipping ..... I owe {$7200.00} I pay {$7200.00} but I still owe $ XXXX and now I need to wait 3 days to pay the {$100.00} which then charges more interest so I have to pay more than {$100.00} because of the 3 days ... ... its not fair to the American people especially those who have been banking with this company for many years and have never asked for a waive of fees.
Product: Credit card

We financed a new XXXX XXXX at our home through our XXXX, XXXX XXXX XXXX. The Installer informed us that we could FOR NO ADDITIONAL COST pay out the cost of our system at the EXACT SAME PRICE we would pay if we paid in full, if we chose to pay in XXXX equal installments. WE WERE ASSURED REPEATEDLY THAT THE COST WOULD BE EXACTLY THE SAME. 
I was rushed through a credit application with Synchrony Bank, and only at the end did I realize that the payments would be processed on a credit card. I didn't have an issue with that except today I received a text message from Synchrony indicating that we owe {$13000.00}, NOT the {$13000.00} on the contract with XXXX XXXX XXXX, supported by their representation that there would be NO ADDITIONAL FEES to working with SYnchrony. 
When I called Synchrony to have the fee removed, i was basically told " tough luck '' that was in the XXXXXXXX XXXX XXXX -- I was sent those electronically, pages and pages of fine print, with no findable details about the Fees. Even when I told the rep that I would contact CFPB he just said, Fine it's your right. So not only was this deceptive on the part of the contractor -- designated by Synchrony to represent the deal- but this bank does not seem to care about their regulatory relationships. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I understand a lot about how the system works. This is grossly deceptive, and it's on Synchrony to ensure proper disclosure at the POS. They can not be allowed to point to fine print as disclosure. I know from my experience in banking that that does not work, and should not be tolerated by the regulators as an acceptable business practice. I look forward to your support for my complaint.