23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Last year ( XXXX ) I received a call from Synchrony Bank 's XXXX Department saying that I owed money on my XXXX store card and that they were calling to ask me to pay it before they would have to send it to collections. I did n't have the full amount at the time and set up a payment plan with Synchrony. The debt was completely paid off XXXX XXXX of last year after 6 payments had been made. 

A few weeks ago, I answered a call from a number I did n't recognize and it was XXXX XXXX XXXX saying that they were trying to collect my XXXX store card debt. Obviously, that debt does n't exist, so I should n't have received this call. 
I called Synchrony and tried to explain that my debt had already been paid. I kept getting transferred to outsourced call centers that did n't understand what I was saying, and they just kept telling me I owed a debt and asked if I wanted to make a payment. 

Finally, someone at Synchrony told me how to file a dispute with Syncrhony. I sent in my dispute letter along with my attached check stubs proving that the debt had been paid. 

Since I sent the dispute I have n't heard anything, and have continued to get upwards of 5 debt collection calls a day. I have tried calling Synchrony, but they keep telling me that there 's no way for me to contact the dispute team and that they do n't have a phone number, which I find extremely suspicious if not outright illegal. I have asked for updates on my dispute with no answers, and again the representatives keep telling me that I owe a debt. 

This has ruined my credit score, and in my original dispute to them I said it needed to be reversed within a week considering I had paid the debt and there was n't anything to really dispute or investigate. I have broken down crying several times because I will be on hold for 40 minutes with XXXX and then still just transferred to their debt outsourced call center and not told anything. I need proof from Synchrony that they are going to reverse the damages they 've made to my credit score. I should n't even have to be doing this, and selling a paid debt to a collection agency is illegal ( I 'm pretty sure ) and it 's illegal for that debt collection agency to be harassing me when I have paid the debt! 

Please please please resolve this as soon as possible. I do n't want people to go what I 'm going through. I am now paying a much higher than normal security deposit on a new apartment because of this mess, and it is actively hurting me emotionally and financially.
Product: Debt collection

Portfolio Recovery Associates ( PRA ) has paid out millions in the past for violation against consumer 's on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This is a fact that can be backed up by going into www.ftc.org website. Portfolio Recovery Associates ( PRA ) is in violation of my rights under both law as well. They are reporting a debt that they claim was acquired from XXXX XXXX Account # XXXX. XXXX XXXX stated in XXXX XXXX credit bureaus that the account was sold to Portfolio Recovery Associates, however there was never a legal notice of transfer by assignment rights of the debt, a strict requirement under FTC guidelines, FTC v. Portfolio Recovery Associates ( XXXX ). XXXX XXXX admitted that the initial first late payment was XXXX XXXX. Accordingly, XXXX XXXX, based upon the 7-year rule FCRA has deleted the above referenced account. Portfolio Recovery Associates ( PRA ) by extension from XXXX XXXX has without question the very same timeline on removal of the debt. The debt is no longer enforceable under collection guidelines within the state of New Hampshire. The evidence that Portfolio Recovery Associates does request has already been submitted, showing the legal timeline for removal, the connection to XXXX, and the deletion of all XXXX XXXX accounts across the board with all pertinent credit reporting agencies. XXXX did through its own internal investigation remove all XXXX XXXX accounts and the collection of PRA. Portfolio Recovery Associates ( PRA ) sent to me copies of invoices dating back to XXXX, and this was a major waste of time. The reported timeline on my credit reports by XXXX XXXX is the only item necessary to validate the removal date of the original account and any extension to a collection agency. PRA compliance people need to go back to school to fully understand the meaning of the term 7-year rule on the elimination of obsolete negative information. I demand my file purged and that the Federal Trade Commission through the Consumer Financial Protection Bureau sanction PRA for trying to re-age a debt already proven obsolete by XXXX XXXX and XXXX major credit bureau, XXXX. PRA needs once again be penalized for ongoing violations of FCRA and FDCPA against American consumers.
Product: Mortgage

I have an ongoing dispute with RoundPoint Mortgage Servicing Corporation XXXX. 
XXXX, NC XXXX https : //www.rpmservicing.com/ Phone XXXX RoundPoint XXXX up my escrow account and trying to make me pay extra {$500.00} per month ( they included our property taxes in the escrow account while based on the closing agreement we pay them on our own ). I called company at least 4 times to resolve this issue and at this point I 've been told a million things by their various employees claiming everything from " I do n't have to pay until receive a new escrow statement analysis and new invoice and your late fees will be waived " to ' you have to pay full amount anyway '' Recently I 've got a new escrow analysis statement, but they again XXXX it up made it effective just XX/XX/2017 and I 've got a new invoice with wrong amounts for two month now and a late fees. Could you please help me in this matter, your help will be highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery LLC, In their response dated XX/XX/XXXX regarding disputed account # XXXX claimed that they fully validated they alleged debt, however : 1. The highest balance on XX/XX/XXXX-XX/XX/XXXX  statement of {$2600.00} does not match the amount that you claim of {$3400.00}. Please explain the difference and how you calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature - please provided it. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. Please provide this. 6. Charge off Amount is not provided. Please provide this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

I make a principal payment to Wells Fargo Auto Loan. Their App does not have a specific button for this, so it is done by phone. Then I see the money was applied to future regular payments instead of lowering the amount owed. This pushes back my next due date. It is an attempt to not give up their interest revenue, which is the whole point of making a pricipal payment. When I spoke to them about this, they said. Oh well, yes, you have to wait a few days, call us back, and make sure we did the right thing with your money. I guess they hope you wont check up on them.
Product: Credit reporting or other personal consumer reports

My data was exposed in a breach that is governed by 15 USC 1681, which regulates access to consumer credit report records and aims to ensure accuracy, fairness, and the protection of personal information collected by Credit Reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Student Loan Listed as : XXXX XXXX Date Open XX/XX/XXXX is reporting 60 and 90  days late in the months of XX/XX/XXXX and XX/XX/XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending XXXX School at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies XXXX, Equifax, and XXXX to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.
Product: Credit reporting, credit repair services, 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 confidentially under 15 U.S. Code 1681, Account : XXXX XXXX Account number : XXXX Account : XXXX XXXX XXXX  Account XXXX Account : Unknown Name Account number : XXXX XXXX5 U.S. code 1681 section 602.A indicates, I have a right to privacy. 

15 U.S. code 1681 section 604.A indicates consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 1681c. ( a ) 5 section states : no consumer reporting agency may make any consumer reports containing any of the following items of information other than records of convictions or crimes which antedates the reports more than seven years.

15 U.S. code 1681s-2 ( a ) 1 section states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Us bank had block me from both of my accounts my checking account amount is {$1300.00} and my saving balance is $ XXXXthey said the reason they block me from my accounts is because there were deposits electronic deposits made into my checking account and the felt they were some kind of scam or money laundryingthis was 11 months ago some time in mid XXXX of 2020 in XXXX or XXXX I went to the bank and ask what was the status the teller told me that they are closing m y accounts and would be mailing me a check for the total amount in both accounts she also said it would be 2weeks before I would receive the check, well two week went by and still nothing so I called the branch and was told that they was not going to give me my money back that they were still investigating it and that they would be sending my money back to the debtors that was in XXXX well I call to see the status of the bal in both accounts and not only have they not closed my account but the money is still in my accounts they have had almost a year to investigated to see if there was any kind of money laundries or scamming being done they never sent the money back to the debtors and refuse to give me my money the have know proof that I or the debtors were pulling any scams and yet they insist on keeping my money from me in the time they had done this to me I lost my place of living because of what they did and I had direct deposits made from SSI And also a {$1400.00}. stimulus check I deposited in my savings account the debtors never deposited anything in my saving that was the money I had from both stimulus checks I had were deposited in my saving account they were rude and very unfair and refused to tell me anything about my account
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees and my checking account was closed due to it. 

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

I have been getting obsessive phone calls and texts via a company called ARS. I previously thought it was ARS XXXX, which is why I created my last report- but turns out it was for the incorrect " ARS. '' I called back this ARS who was contacting me and asked for them to give me more data about their company. This was on XX/XX/XXXX. 

I was told that this " ARS '' is in New York ( which didn't match the address I had for ARS XXXX - hence the incorrect report for them ). This company has been calling and texting me from numbers associated with Oregon and New York. I finally discovered they are Atlantic Recovery Solutions " ARS. '' On XX/XX/XXXX I was emailed by XXXX XXXX a one page copy of what was a collection attempt. I emailed back a document asking for further verification of this debt. This is debt is not on any of my credit reports. I did not get an email saying the email bounced back, so for all intents and purposes, they received it. 

I still got multiple texts and calls from them.

One call about a week later ( toward the end of XXXX ), I picked up the phone and told the woman on the phone that I sent a debt validation letter via email to XXXX XXXX and she quickly got off the phone with me once I stated their attempts at contacting me go against my rights with the CFPB. 

I thought that was the end of it because I haven't heard anything since from them. 

Until today. 

My mother called me to let me know a company had called her looking for me on XX/XX/XXXX and XX/XX/XXXX from the numbers I had listed with Atlantic Recovery Solutions. She said they had been calling her repeatedly for the last couple of months. This contact has happened before and after I asked the company for a debt validation. 

This is highly inappropriate and abusive.
Product: Payday loan, title loan, or personal loan

I have been receiving phone calls from Cash Central USA since XX/XX/XXXX informing me that my application had been approved for up to {$10000.00}. I called them on XX/XX/XXXX to inquire about my application and agreed to take a loan out for {$3000.00}. One of the company 's loan officers, who identified himself at XXXX XXXX completed my application and told me that another loan officer, XXXX, who disperses the loans would be in contact with me. XXXX called me later in the evening and told me that because my credit score was not above 700 that I would have to go through another process to increase my score. This process would involve money being deposited into my account and I would have to go to XXXX the next morning to send the money back and then I would receive the entire loan amount. I'm skeptical because on my bank statement it says " Mobile deposit {$900.00} '' but no updated balance. I believe this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I woke up with a email saying I had a hard inquiry from my bank a navy federal credit union. I have no problem with it just that I would like that removed because I didn't request any product from my bank. Contacted bank to let them know I didn't sign up for the loan I just opened the account. Will call again this morning. XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 34 6K financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I have again spent multiple days attempting to access my student loan account. The website is always down and attempts to contact the company by phone result in lengthy hold times ( sometimes an hour ) that I have to abandon so I can properly work at my job, only to repeat the process again the next time I call. If they want my money, they should be working to fix their systems so paying is easier. This is my second complaint filed against Nelnet. I am thankful this site exists so these complaints can be logged. Hopefully it will lead to wider solutions to their system issues instead of the little bandaid fixes. I received an email today letting me know there was new correspondence to view, but I can not even get to it or talk to anyone about what it might be. Hopefully it is not communication about penalties.
Product: Checking or savings account

I am a decorated US XXXX Veteran with a decade of active XXXX XXXX. Ive been banking with Bank Of America for years but Ive reached the point I have to speak out. My bank has been repeatedly re-ordering stacking my credits and debits to cause and maximize {$35.00} NSF fees!! Ive let it go for years but to do so during a PANDEMIC while simultaneously dipping into hundreds of OUR billions of dollars of bailout money and free loans.. is beyond reproach. Several times they and other banks have been sued in class action suits over these practices and yet they settle out of court and go and do it all over again. I want a refund of ALL NSF fees charged to me this year at the very minimum. Bank Of America is a disgrace to the flag I laid my life on the line for repeatedly serving my country.
Product: Credit card or prepaid card

I filed for unemployment on XX/XX/2020. At that time I chose to receive a debit card for my disbursements. I never received the way to go card in the mail. When I called the XXXX to check my account, it says I have a positive balance of XXXX. Since I had not received the card in the mail, I changed my disbursements to direct deposit. I now receive my weekly allotments in my checking account. However that XXXX is still in my XXXX account. I have tried to contact WAY to GO numerous times to notify them that I never got a card, however the automated system will not allow me to get past inputting a pin number. I do not have a pin because I never received a card. You must have a card to create a pin. There is no number option for my particular dilemma, and I have been unable to speak with a live person. The XXXX says they can not transfer the funds to my checking because they have already been issued to a card. Please advise.
Product: Consumer Loan

While I was XXXX XXXX my spouse open an installment loan contract for a vacuum cleaner in hers and my name. Upon returning home from XXXX I was informed of this contract. This contract is a fraudulent contract because my spouse did not have power-of-attorney ( POA ) to open installment contracts in my name. After reviewing the contracting it shows that my spouse signed my name as co-buyer. The salesperson should have deleted the contract because he never witness me signing the contract and never obtain a POA.
Product: Money transfer, virtual currency, or money service

i am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection act ( CFPA ). Specifically, cash app failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have XXXX credit card I know nothing about I am in a XXXX  XXXX. I have asked many time for the approval from the XXXX  XXXX Trustee that I an incure new debt. No letter has been provided. And a few more things are 2017 under the 7 year rule they should be removed. Please seen all documents. I attached to all three credit reporting agencies. I attached the suff that needs to be remover XXXX XXXX XXXX XXXX bank .applied band .and credit first bank XXXX Should send me the approval for the chapter XXXX Trustee. And the two things under thev7 year rule are XXXX XXXX XXXX  and XXXX XXXX XXXX
Product: Mortgage

Per the answer in complaint XXXX I never request any one to run my credit for anything. Not XXXX  or credit plus. Once again
Product: Credit reporting or other personal consumer reports

On my XXXX card : My First Date of Delinquency was XXXX. 
The account was CLOSED XXXX. 

The account was then Charged Off XX/XX/XXXX ( which was more than 7 years after the account was closed ). 

When an account is Charged off, it leaves the account with a {$0.00} balance. 

The company reported that they charged off the balance XX/XX/XXXX ( ~ $ XXXX ). HOWEVER, the company is still reporting the same exact amount as a balance ( a current running balance ). 

I have filed disputes for the removal of the account should recently AND in the past ( many years ago ). 

The above is the information that at least two of credit reporting agencies currently has. 

The account was closed in XXXX. 
The account was charged off in XXXX. 
There was no additional charges to the account since XXXX. 
Therefore, after the balance was charged off ( XXXX ), the account should have a XXXX dollar balance. 
The reported current running balance is incorrect, and damaging! 

In addition, since the account was closed in XXXX, come XXXX ( 7years after ), the account should have been removed from every one of my credit reports ( every credit reporting agency ). 

Since there was a supposed payment on XX/XX/XXXX -which was the charge off, AND the supposed " currently running balance '' reported of the same amount of money, the account has not been removed and continues to cause damage/harm. 

I have tried to dispute it, but the disputes resulted in the same reported running balance. 


This has caused harm to my credit. 
This has stopped me from repairing my report/credit ( for years ). 
This also has caused harm to my ability to gain credit. 

It is imperative that the information be corrected with all XXXX credit reporting agencies! 
... be corrected to a XXXX balance, as of XX/XX/XXXX. 
... And, in addition, since the account was delinquent & closed in XXXX, it has been more than 7 years. Therefore, the account should not be on any of my credit reports. 
* Please remove the account from all 3 of my credit reports. 

Many years have already passed in which I could have been building credit -to which the error has caused harm.
Product: Credit reporting or other personal consumer reports

In XXXX on XXXX I did a dispute against professional collector corporation and they couldnt validate the debts with XXXX so the bills were removed. XX/XX/2023 professional collector corporation then and reported 2 bills. One of the bills is for XXXX in the amount of {$1600.00} I have not been to the XXXXXXXX XXXX XXXX since at least XXXX of this year and it was for a cold so I went to convenient care. So that bill doesnt exist. There is a second bill for XXXX in the amount of {$4000.00}. This bill was already removed off of XXXX since it couldnt be validated. It already shows on the bill that I disputed already which I did through XXXX. Now XXXX said thats fine that they will take the bill and it put on my credit without validating again. Which they cant validate since it doesnt exist. Professional collector corporation is very angry with me since they are trying to collect that was already paid by XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  is trying to double dip.