23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A certified letter was mailed to Zarzaur & Schwartz , P.C . in XX/XX/XXXX requesting debt validation for an account they allege I owe. I am disputing this account, in addition, their office neglected to provide any information reflecting the ownership of this alleged account while sending information with a different alleged account number than what they are claiming I owe. 

The document I received from Zarzaur & Schwartz , P.C . dated XX/XX/XXXX consisted of 19 pages,14 of those pages was a copy of a Revised Card Agreement. Please note, this Revised Card Agreement is generic with no dates to show when the agreement was revised, any affiliation I have to this Revised Card Agreement. In addition, this office neglected to provide validation pertaining to me agreeing to the Revised Card Agreement. There were three ( 3 ) pages of a XXXX XXXX XXXX Credit Card Statement. The first statement shows a different account number this office alleges I owe. How is the alleged debt validated when the information this office provided isn't what they are reporting on my credit report? The office of Zarzaur & Schwartz , P.C . 's claim to have validated a debt with different account information than what they are reporting. 

Page 3 -Statement 1 - XX/XX/XXXX - XX/XX/XXXX - different account number Page 4 - Statement 2 - XX/XX/XXXX - XX/XX/XXXX Page 5 - Statement 3 - XX/XX/XXXX - XX/XX/XXXX To simplify, the documents received do not match what this office is reporting, despite them reporting to CFPB they validated the alleged debt, which is false. This office sent 3 different statements for two ( 2 ) different alleged credit card accounts.

The office of Zarzaur & Schwartz , P.C . has claimed this alleged debt belongs to me without validation. The items requested by me are as follows : copies of an agreement that grants Zarzaur & Schwartz , P.C . and XXXX XXXX XXXX to collect this alleged debt // a signed agreement with my wet signature made with XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX or other verifiable proof I have a contractual obligation to pay this alleged debt. I also requested copies of all statements while this alleged debt was open, the exact date alleged debt was open, the exact date alleged debt first became delinquent and copies of all payment history/payment methods for this alleged debt. All of which their office failed to provide. 

Attached is the 19-page document I received from Zarzaur & Schwartz , P.C . 's office. 

I have the right to have accurate, true and correct information reported to my credit profile and to consumer reporting agencies. As it stands they have not provided anything that shows any type of contractual agreement of this alleged debt.
Product: Debt collection

Calls From Client Service I keep telling them to send the debt thru the mail and do not contact me anymore unless its thru mail or email everytime I tried to tell client service this they hang up on me in the middle of the conversation and calls me the next day
Product: Credit card or prepaid card

I have been waiting for unemployment benefits for two mos. I discovered yesterday that the BofA Government card issued went to an address that I have not lived at for over 4 years. ( As a side : I have a personal BofA card with the correct address ). When speaking with the customer service representative she apologized as she could see that my address was not confirmed prior to the card being sent out. She re-processed the card with the correct address and told me it would be 10 days to receive. When I asked if she could expidite the process because I do not have a job and do not have many resources, she said there would be a fee of {$13.00} for this. I asked if that could be waived due to the card being issued without any sort of contact about an address over 4 years old. Her supervisor said no, and offered to speak with me personally. When I asked for consideration due to the error on the bank end, and my situation, I was told no again. 
I had just indicated to the supervisor that my job was eliminated over 8 weeks ago, that I really needed the funds as I had been waiting for so long, and he said that he would be " happy to take the fee out of the funds on the card and expedite ''. Having been in multiple consumer service related positions I was shocked at the non compassionate and goading stance of the supervisor - His name is XXXX. Consumer experience training and lesson in compassion needed at the BofA Government card center. What a horrible experience. Maybe he will kick some puppies on the way home!
Product: Debt collection

Ive never had a XXXX account in my name this is completely unbeknownst to me! so whoever made this account did without my approval!
Product: Credit reporting

Someone opened a credit card with Bank Of America in my name and put a fake name on the account as well. 
They put all of my information as the primary card holder and had the card ( s ) sent to my address. Bank of America has no other phone number or address on file. There were no charges on the card. I closed the account. 
I want the credit bureaus to remove the hit on my credit for opening a card that I did n't actually open and then closing it. It needs to be removed from my credit rating all together. 
I spoke with the Police department and they indicated to notify the credit bureau and the social security administration. There is no need for a police report because there are no charges to the account. 
I can not get in touch with any department of the credit bureau to notify them.
Product: Student loan

XXXX : Auto-payment of old certification ( about $ XXXX ) in process. 
XX/XX/XXXX : Income recertification was completed online to expedite processing to lower payment, as income has dropped. Kept IDR plan as is. New calculated payment is around {$700.00}. Application is processing, though no documentation is required per company, since policy now is that until XX/XX/XXXX, income can be self-certified. 
XX/XX/XXXX : Contacted Mohela about changing auto-payment amount to updated lower payment -- rejected, since autopay already processing and do not want to go into forbearance, due to PSLF eligibility. 
XX/XX/XXXX : Auto-payment of {$1200.00} processed. 
XX/XX/XXXX : Processing Delay notification in inbox from Mohela. 
XX/XX/XXXX : Income recertification still in process. Contacted Mohela to request that if processing delay persists past the next payment amount due ( XX/XX/XXXX ), that I receive a refund. Mohela response : if application is still processing at time of next payment, I am not yet " approved '' for new payment amount and I will still owe old payment of {$1200.00}. My payment of {$700.00} will not be effect until the application is processed and approved. My response : if it wasn't for the delay in processing, my application would not take over 30 days to be process. Why should I be punished ( owe more money ) because of a processing delay? If my application was dated in XXXX, there was no warning that my application for lower payments would potentially not be approved beyond a month. If my application in XXXX states my income has changed, why would it not apply to my payments starting in XXXX? It does not make sense that the updated lower payments do not take effect until the application is processed. If a processing delay is order, I have the right get a refund for a payment done while there is a lack of staff to accomodate the large amount of paperwork during this unprecedented time. It is not my fault student repayment restarted for millions of people at the same time.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, VA XXXX Date : XX/XX/2022 RE : PRIVACY OPT OUT NOTICE ACCOUNT NUMBER XXXX Dear CEO XXXX XXXX or any agent in receipt of this notice I am writing to your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 2021 New York Laws - Civil Rights Article 5 - 50 Right of Privacy, Regulation V, 16 CFR 313.3n ( 1 ) ( i ) 16 CFR 313.3n ( 1 ) ( ii ). As of today, XX/XX/2022, at XXXX eastern standard time I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right to not have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the FCRA Regulation V, Gramm Leach Biley Act and NYL Civil Rights Law Article 5-50, The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as Debt Collectors or credit reporting agencies. Nonpublic information is any information such as name, address etc. and/or about an individual from a transaction involving payment history, loan, account number 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.15 USC 1681a ( 2 ) Exclusions. ( XXXX ), the term consumer report does not include ( A ) subject to ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, Therefore I am demanding you, your company, and affiliates to delete and purge this from your system, a {$3000.00} check sent to my address above within XXXX business days for infringing on my right to privacy, I am giving your company 30 days to update my request and cease furnishing my nonpublic information within your company. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Done In good faith, XXXX XXXX XXXX XXXX without recourse XXXX XXXXXXXX XXXX  Owe no one anything except to love one another, for he who loves another has fulfilled the law
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and there is no third-party involved in this complaint. This complaint is about Experian and the continued furnishing of false reporting of charge-offs on my consumer report. These charge-offs are no longer being reported by XXXX or XXXX ; they have been deleted from my consumer report. I would like to make you aware that a charge off is considered income. Income CAN NOT be reported to my consumer report. I would also like to make you aware that a charge-off is not LAWFULLY defined. Experian must follow-suit and delete these fraudulent accounts from my consumer report. Please see attached documents for further information.
Product: Credit reporting or other personal consumer reports

My Equifax credit profile has been deleted/removed since XX/XX/year>. I contacted Equifax and the customer support agent was not able to pull any information on my credit profile. They requested I send in a letter, which I did and I called and they stated they never received it. I recently it and my account still shows blank with no credit information or personal information or score.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to investigate inaccurate items on my credit report and for not providing the specific information I requested regarding how they verified the disputed items, despite my efforts to provide all necessary documentation for identity verification. 

On XX/XX/year>, I uploaded a dispute letter to the Experian portal requesting for Experian to provide information on how they verified the accuracy of the bankruptcy record on my credit report : Court Name : US BKPT CT XXXX XXXXXXXX Reference Number : XXXX However, I did not receive a response from Experian with the investigation results. 
In my dispute letter, I requested detailed information on how Experian verified the accuracy of the disputed items on my credit report. Specifically, I asked for : The date they contacted the creditor and furnisher. 
The contact information of the creditors and furnisher. 
The name of the person who verified the disputed items. 
The method of communication used to conduct the investigation. 
Confirmation of whether the creditor and furnisher provided my Social Security Number, date of birth, and proof of address. 
Experian 's refusal to provide the requested verification details and to properly investigate the inaccuracies has caused considerable inconvenience and distress. The presence of incorrect information on my credit report adversely affects my creditworthiness.
Product: Credit card

I have been getting charged under this transaction on my BEST BUY CREDIT CARD STORE ONLY DEBT PROT XXXX  {$51.00} For over 12 months now I been getting charged this fee and didn'nt notice as I am paying off items for while now and notice why isnt it changing much. Sure its XXXX but if u add over a year or more it could be over XXXX dollars. Big difference ; this is a CITI BANK BEST BUY CARD. I read about their lawsuit and figured I might as well complain and see what happens. I would like all of those DEBT PROT to be credited asap or steps how to resolve it with them. 

If you need more proof I can go get a screen shot for each year but I cant go over a years time TY
Product: Mortgage

I am in a current XXXX  XXXX Bankruptcy which includes {$4300.00} of Pre-Petition Arrearage owed to the Mortgage company. ( AmeriHome ) However, a letter was sent out to me on XX/XX/year>, indicating a request that the automatic stay be lifted and the mortgage company be permitted to foreclose on my property but instead I took financial action to the letter from the courts on XX/XX/year>, which indicated that I was in default for XXXX and XXXX of this year based off the information given by the mortgage companies attorney, but in fact, I paid XXXX in the amount of {$1700.00} then I paid an additional {$8500.00} on XX/XX/year>, covering XXXX, XXXX, XXXX, and XXXX ( XXXX divided by XXXX = XXXX payments ) PLUS, after reviewing the transaction history sent out to me by the mortgage company , the instanter that I paid was never applied to my mortgage in the amount of XXXX ; taken that into consideration, XXXX would be covered and a partial amount for XXXX, 2024. 
The mortgage companies ' statement should have been zeroed out for any past due amounts but instead, it is now stating that I ( less than one month from paying that amount in a new statement ) that I owe {$4700.00} in past unpaid dollars. How can that be when the courts have the same letter as me and now all of a sudden there is this new outrageous amount of past due dollars? 
I believe that the mortgage company is not applying my payments correctly and trying to steal my home.
Product: Student loan

I have 8 student loans on my credit that have a late payment on them. The late payment according in XX/XX/2014. I was not notified of the bill until I tried to enroll in school for summer school. The bills where sent to my old school address along with the notification to my old school email. Either of which I had access too. I have called and disputed with both XXXX along with Navient with nothing coming from either. I have called Department of Education and they informed me that they will contact Navient to have the 90 removed from my credit since Im in good standings and have keep up with my loans since. Nothing is happening and it is making my credit look horrible because of the late payments. If it was one late payment Fine but its is 8 and I cant buy a house or a card without very high apr because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the late payment reported in my credit reports as a result of wrong information reported by XXXX XXXX. I have 30 days late payment reported in my credit report of XX/XX/XXXX. I have had this account for about two years now and never was there any late payment because I did set up an automatic payment. However, in late XXXX or early XX/XX/XXXX I called XXXX XXXX and requested to have the interest reduced since my finances were tight then due to COVID-19 financial effects. XXXX refused to extend help to me to lower my monthly payment even after I explained that I would have problems making the minimum payment. The agent advised that perhaps if I had some missed payment I could qualify for a program. I told agent I would pay whatever I had. 

I called again in XX/XX/XXXX and wanted to get the payoff amount because my finances improved. The agent asked if I wanted to pay off the complete balance and I said yes. I did not know that the agent turned off automatic payment I had and that was why there was no payment in XX/XX/XXXX. However, when I received an alert message from XXXX in XX/XX/XXXX, I hurriedly made payment of {$70.00} on XX/XX/XXXX ( please check ). Then on XX/XX/XXXX, I paid off the balance ( please check ). 

I have never had late payment I paid on time and with automatic payment set up ; I called to get a payoff amount ; I continued to pay even when I had difficulties ; I made payment when I got an alert that payment was missed ; I paid off the card ; I have continued to use card and have continued to make payments ' I have written XXXX XXXX in XXXX and in XXXX to remove the late payment but they have refused. 

Thank you very much. 

Sincerely,
Product: Prepaid card

On XX/XX/XXXX, I purchased a {$500.00} XXXX XXXX XXXX  at a XXXX store. Upon attempting to use the card at various online and physical retailers, including XXXX, XXXX, and XXXX XXXX, I found the card to be unusable. 

On XX/XX/XXXX, I contacted the customer service number provided on the back of the card. The representative acknowledged the issue and assured me that a replacement VGC would be sent to my address within 3-5 business days. I confirmed my mailing address multiple times during this call to prevent any errors. 

Despite this assurance, I did not receive the replacement card. On XX/XX/XXXX, I contacted customer service again. To my astonishment, I was informed that the replacement card had been sent to a different address and marked as undeliverable. This is unacceptable, as I explicitly confirmed my address during the initial call on XX/XX/XXXX and there is no reason for a different address to be on file. 

The customer service representative then requested that I provide verification of my address again, which I believe is a deliberate attempt to further delay the resolution of this issue. Why was this information not requested during the first interaction on XX/XX/XXXX when I was proactively seeking a resolution? 

I have complied with their request and emailed the address verification to the email address provided. However, due to the significant inconvenience caused by the unusable {$500.00} gift card and the unacceptable delays and misinformation I have experienced, I demand expedited handling of my case. I expect a replacement XXXX  to be sent to my verified address via expedited shipping within 24 hours of this complaint being filed.
Product: Credit card or prepaid card

2 months ago my care Credit card put a notice saying my promotional rate was ending. I called twice to ask what that meant since I signed up with a non-adjustable flat rate. The person I spoke with both times avoided my questions regarding my original rate and kept insisting that the promotional rate would expire on XX/XX/XXXX. Never answered my question, and they charged me over XXXX dollars in interest on a XXXX balance. Normally the interest was approx XXXX to XXXX dollars. I worked for XXXX so I understand rates on credit cards and this is Faud!
Product: Checking or savings account

On XX/XX/XXXX, Bank of America gave a {$25000.00} cashier 's check out of my savings account. The person went into a branch in XXXX, XXXX  for the transaction. I live and back in XXXX. Bank of America did not properly verify identity. I have a copy of the signature card on file since XX/XX/XXXX that I got from my local branch so I know B of A has a signature card for my accounts and the signatures don't match. I filed an FTC report and I have sent numerous letters to B of A asking them to return my money and certifying that it was not me who made the withdrawal. I have also filed police reports. I have also made numerous calls to B of A and requested a call back from the analyst handling my claim. I have never received any response from B of A. I asked if I should move the remainder of my money to a new bank. I was assured by B of A that was not necessary. They moved what was left of my money to a new account and I was told there were numerous security alerts and this could not happen again. Then on XX/XX/XXXX, XXXX at that XXXX XXXX branch on XXXX XXXX called me and said another $ XXXX in cash wash just withdrawn from my new account plus a $ XXXX cashiers check. I told him it wasn't me. They stopped the $ XXXX check and arrested someone with that but my $ XXXX is now gone along with the original $ XXXX and B of A has done nothing and refuses to give back my money. They are negligent in the handling of my accounts. Especially to let the same thing happen twice when they assured me it couldn't. XXXX ( branch manager in  XXXX ) told me it was an XXXX XXXX man with a fake ID. I am XXXX. I don't know how it could be more clear that I did not make or authorize these withdrawals. An arrest has been made in connection with the fraud. Bank of America has the video and all the evidence it needs to show this was not me. I have spent countless hours in my local branch and on the phone to B of A and they refuse to return my money. The gave away my money and mishandled my account. They did not take proper steps to verify before allowing someone to withdraw my money. XXXX at B of A even told me the guy didn't have my new account number, he had them look it up. Why would you give out someone's account number when there are alerts that there has already been fraud on their account??? B of A said the balance of $ XXXX would alert anyone who looked at my account profile that there'd been fraud yet the gave away more money to the same thief!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to Equifax and XXXX  disputing items on my report that I did not recognize. It has been more then 30 days and they haven't complied with their own policies within a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1400.00} ; XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}