23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our  solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Debt collection

I have been contacted by this company XXXX XXXX XXXXXXXX. They keep calling me and have put a charge on my Credit report. I have never talked to these people before. They are saying I Own money for a XXXX XXXX  account. I have open XXXX XXXX accounts in great standing and they are hurting my credit. According to the fair Credit Reporting Act section XXXX you are required by federal law to verify, through the physical verification of the original signed contract, any and all accounts that you post on a credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
DEP OF EDXXXX XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

So the company is Synchrony. I opened this credit card at the end of 2022, to pay monthly for furniture that I bought at Ashley Furniture. Since then I have been charged {$180.00} in total fees. My first statement was in XXXX for {$1700.00} With an added fee of {$29.00} and since then I have been charged anywhere from $ XXXX {$30.00} a month. I believe I originally called in XXXX to inquire about these fees. I thought they were late payments because my autopay was set to take the funds out of my account on the day my payment was due, but Synchrony informed me that it wasn't late fees or interest but a security fee? And I would have to take it up with a different agency. They gave me this phone number : XXXX. When I called today I spoke with a woman, I asked her to remove the charges and to stop future fee collection, she repeated my request back to me twice and I confirmed with her TWICE that is what I wanted to happen and she said " You didn't know about the program? '' I said, " what program? '' She then said she was going to put me on hold and speak to someone ... when she came back on the phone she was very formal and basically told me she 'did n't have to information for me and that I would be contacted in 3-5 days '. I said to her, " You just told me that I am enrolled in a program and now you do not have the information for me? '' She apologized and said there was nothing she could do. So now I am in this 3-5 day waiting period ....
Product: Credit reporting or other personal consumer reports

I am desperately in need of vacating my apartment within XXXX months when my lease is up. Therefore, I need to initiate this complaint to investigate why XXXX, Experian, and XXXX refuse to take reasonable measures in conducting their OWN investigations when this consumer disputes inaccurate and unfair reporting of data on my credit report. I have submitted several copies of my credit reports from the past and current. Upon your review, you will see the above-mentioned credit agencies, ALL have allowed CLOSED accounts to report false RECENT LATE PAYMENTS ( Please note that I have not been late on any account in nearly XXXX  years ). CRAs allow the creditor to continue to update my accounts with MISLEADING information. Such as, in XX/XX/XXXX, the CRA 's allowed XXXX XXXX  to FALSELY UPDATE A CLOSED ACCOUNT AS BEING REPORTED OVER THE LIMIT. ( Please note, that XXXX XXXX  initially reported on this closed account back in XXXX ). False manipulations of my utilization. 
Please note that upon calling these agencies, each informed me that they DO NOT conduct investigations they go by what the Creditor reports. Therefore, these actions committed by the CRA 's by not conducting their own reasonable measures in investigating how the accounts are being reported is a direct cause of me being denied an opportunity to get approved for housing. Please note that each time I dispute, my credit score drops between XXXX XXXX points. This is a retaliatory practice to deter consumers not to continuing to dispute inaccuracies because it blocks my right to rebuild my credit.
Product: Credit card or prepaid card

I have serious concerns that Discover Bank is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process regarding the non-receipt of merchandise from a merchant. I believe I have presented more than sufficient evidence below, as well as corrected several misstatements by Discover, to warrant and immediate crediting of my account in the amount of {$190.00}. As I have detailed above, these procedural biases in favor of the merchant do not seem fair or appropriate, and could be due to the commercial relationship it has with XXXX. At the very least, it raises conflict of interest concerns. Any fair-minded reviewer of the evidence to date must agree the transaction should not be upheld. I therefore believe Discover is not acting in the spirit of an unbiased arbiter in this dispute ( as mandated by the Fair Credit Billing Act ), and am fearful of the eventual final outcome as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Mortgage was transferred from previous servicer, 3 trial payments were remitted to previous servicer. New servicer would not accept previous servicer modification agreement. Final documents for modification were supposed to be sent to me with my name on the documents. Servicer has sent several documents but the documents are not correct that they want me to sign. I do not want the house to go in foreclosure.

Please help I am being given misleading information and documents are incorrect.
Product: Student loan

On XX/XX/18, I asked for my loan to be recalculated to a different IDR plan. I had an income change, and also hoped hoped to go from an IBR to either a PAYE or REPAYE plan. I specifically DID NOT check the box stating that I wanted to go into forbearance because I do not want my interest to capitalize. I wrote a letter along with the application clearly stating that I did not want to go into forbearance, so there would be no confusion. The paperwork states that one month of a standard payment rate would be necessary, but it does not state that forbearance is required.

I received two letters on XX/XX/2018 in the same envelope. The first letter said my loans were placed in forbearance and that I must pay a reduced standard repayment for one month, which is listed as XXXX. The next letter was a disclosure of repayment terms, which is not based on any IDR plan, and suggests that I will be paying around {$520.00} per month, and that I could apply for an IDR plan. Neither of these are what I requested, and neither is acceptable. 

This is the second time I have been mistakenly placed into forbearance, and it will be the second time that my interest was incorrectly capitalized. This is at least the fifth letter I have written to CFPB for assistance. I no longer reach out to the servicer, because when I have in the past, the issue does not get resolved. There is a reason I have chosen to pay my loans under IDR, as I make very little. As a public servant seeking PSLF, I have very little room for financial fluxuation, and zero willingness for an extra {$5000.00} dollars to be added to my loan every time my paperwork is misread. So I am reaching out again to CFPB requesting assistance.
Product: Credit card or prepaid card

XXXX who would not provide her last name that works for Huntington Bank in XXXX Michigan would not provide me an explanation to why my account was closed. She would also not provide me a explanation to why I never received a letter on why. She would not provide me a copy of the letter for why my account was closed.
Product: Debt collection

My initial complaint was filed in XX/XX/2021 regarding misleading, unprofessional and abusive language with the SOS group. My case was marked closed and I received a call from a supervisor stating that I was lying but if I modified the complaint they would remove the report from my credit. I agreed, only to save my once perfect credit. I asked if updating the complaint so show I was satisfied and they handled it properly would be enough. They said yes. I did so immediately upon hanging up. 

Two months later in XX/XX/2021 I filed a new complaint because they had yet to follow through with their end of the deal. 

Today, Monday XX/XX/XXXX I get notice the complaint was closed yet again with no resolution. The SOS group stated again that I was untruthful about my original complaint and that they got no noticed I rescinded the original complaint so at this point they will not be removing it. I have proof my original complaint was amended-exactly how I asked if it could be-and they are again not following through their end of the deal. 

They are aware my finances and health were ruined due to this medical event-the reason I am in collections- and therefor can not afford a lawyer to fight them and I fully believe they are taking advantage of that.
Product: Vehicle loan or lease

Kia Finance is showing I have a {$10.00} current open balance and it's open. However they are not reporting to the three credit agencies properly on a monthly basis. They are reporting with a XXXX balance and closed. I've submitted disputes to all three credit agencies. 

I've asked for a open balance letter from Kia showing what is owed and they will not do it. I've spoken to 4 different supervisors and no one could help me. I personally went to the XXXX XXXX to explain the situation. They immedialtely called Kia Finance- they could not rectify the problem.
Product: Checking or savings account

Problem : Unable to access my checking account funds at Bank of the West ( BotW ) XX/XX/2020 : Applied for Bank of the West " Any Deposit Checking '' account online, received email confirmation. Used a XXXX debit card to fund the {$5.00} opening deposit. The debit card transaction was approved and funds were taken out of my XXXX account. 

XX/XX/2020 : Account approved and opened, received email confirmation. Immediately created my online banking account, was able to log in and see my routing and account number. 

XX/XX/2020 : Tried to log in to online banking via webpage and mobile app, both methods showed the error message : " Were Unable to Complete Your Request Our records indicate that you dont currently have any accounts eligible for Online Banking. If you believe this is an error, please call us at XXXX XXXX XXXX ), option 3 ( TTY XXXX ). '' XX/XX/2020 : Called XXXX ( XXXX ), spoke to banker about my problem. Banker told me that he was not able to see my account on his end, and would open a case inquiry to see why my account " disappeared ''. He said BotW would get back to me in 3-4 business days. I told him that it was important for me to access my account because they took my {$5.00} opening deposit already and I wanted to use the account to receive direct deposits from work. 

XX/XX/2020 : Still haven't heard back from BotW after more than 7 business days, so I decided to file a CFPB complaint because Bank of the West stole my {$5.00} opening deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have investigation results proof that inquiries were remove from my credit report but Equifax has not delete them from my credit report. I have 2 equifax investigation results stating taht inquiries and accounts have been deleted from credit profile but the inquiries are still reporting on my credit report. Called Equifax multiple times nothing is being done and they're being very unprofessional over the phone
Product: Debt collection

In XXXX or XXXX, I applied for my loans to be deferred being that I was with hild and I was about to stop working. They denied my deferment. I had no way of paying my student loans being that I stopped working. I went to apply for XXXX for XXXX and found out my loan was in default. When I spoke with XXXX, they told me they approved my deferment and it went into default in XXXX. I was never informed of any approval or default. I asked them why did they never reach out. I never received a phone call, an email, or even a letter. They didn't even have my information in the system. They told me it was their job to do that.
Product: Bank account or service

about every 6 weeks WF skips taking a transaction from pending to posted, these are usually pretty big amounts, XXXX to XXXX, I pointed this out numerous times, and they always say it was because i was not adding something into the pending, i was forgetting a transaction. I always make sure i do not, the account takes pending transactions, and posted transactions out of the account balance and gives you, your available balance to spend, I take out any transactions that i have made and this is how much money i have to spend. There is a LOT of transactions, so i depend on the bank to be correct. The problem is every 6 weeks or so, they take a large pending transaction, from the same place, ( and i talked to them and they batch the CC every night ) they take it out of pending transactions, and put it into available balance. I just figured this out this last time, as there was no checks and i had XXXX available, so i made the transactions, then 4 days latter the XXXX shows up as posted in my account, so it goes from pending, to available to posted. and they do not think that this is odd or even an issue. I ca n't for the life of me figure out how it ca n't be an issue, when you put XXXX into my available spending cash, and then charge me XXXX in OD fees and then tell me its my fault ... .. I do not feel it is my job to do the banks accounting. sense when does a bank take pending CC transaction, and put it back into your account to spend, and then take up to a week to put it into the posted transactions? THEIR ANSWER WAS THAT I SHOULD MOVE TO ANOTHER BANK!!!!!
Product: Student loan

I am XXXX XXXX Total and Permanent XXXX veteran through the Department XXXX XXXX XXXX. I was told no action is needed from me and that NelNet would automatically received confirmation from VA that I was totally and permanently XXXX. My request to discharge my student loan application was approved and on NelNet website it says that my loan has been XXXX but NelNet has failed to contact my loan servicer ( XXXX ) so they can also discharge my loan in their system. I have been receiving conflicting information from NelNet that they did communicate with my loan servicer. But when I call my loan servicer they tell me that they never gotten any information to discharge my student loan. This has been very stressing to me. I have been communicating back and forth with both organization since XX/XX/year>. I still do not have a resolution at this time.
Product: Student loan

Has been ongoing for 8+ years. I am working at a minimum wage job, checks are already garnished from other student loans.Unfortunately, I have not kep track of everything that has gone one.

This one is different because they are going after my XXXX XXXX XXXX grandma and threatening to everything they can to get money. My mother has been called repeatedly and she is having to block numbers. To-date, 63 different numbers from Navient alone. 

Navient is sending registered letters as well as calling my Grandmother approximately 6 times a day. 

I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account NAVY FEDERAL CU Date opened XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that NAVY FEDERAL CU was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card

I have no middle name for my new legal name, but American Express possibly left my previous middle name on my account. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate the following information. XXXX XXXX The address for this creditor is incorrect, correct it or delete this account. Date open is incorrect, correct it or delete it. Highest Balance is incorrect, correct it or delete it. Status updated is  incorrect, correct it or delete it. XXXX XXXX, XXXX. XXXX Date open is incorrect, correct it or delete it. Type of account is incorrect, correct or delete this account. Highest Balance is incorrect, correct it or delete it. XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it.. Term is incorrect, correct it or delete this account. Type of account is incorrect, correct or delete this account. XXXX XXXX XXXX. XXXX Date open is incorrect, correct it or delete it. Date reported, correct or delete this account. The status is incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX. XXXX Date open is incorrect, correct it or delete it. The Account Owner is incorrect, correct or delete this account. The address for this creditor is incorrect, correct it or delete this account. Payment history incorrect, correct or delete this account. XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. The Account Owner is  incorrect, correct or delete this account. The address for this creditor is incorrect, correct it or delete this account. Payment history incorrect, correct or delete this account. The status is incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. The Account Owner is incorrect, correct or delete this account. The address for this creditor is incorrect, correct it or delete this account. Payment history incorrect, correct or delete this account. The status is incorrect, correct it or delete this account. 
XXXX XXXX XXXX XXXX XXXX Date open is incorrect, correct it or delete it. The Account Owner is incorrect, correct or delete this account. The address for this creditor is incorrect, correct it or delete this account. Payment history incorrect, correct or delete this account.  XXXX XXXX XXXX XXXX The address for this creditor is incorrect, correct it or delete this account. Date open is incorrect, correct it or delete it. The status updated is incorrect, correct it or delete this account. The Terms are incorrect, correct it or delete it. XXXX XXXX XXXX Date open is incorrect, correct it or delete it.. Term is incorrect, correct it or delete this account. Type of account is incorrect, correct or delete this account. XXXX  XXXX XXXX XXXX Date open is incorrect, correct it or delete it. The account number is incorrect, correct or delete this account. The address for this creditor is incorrect, correct it or delete this account. Payment history incorrect, correct or delete this account. Terms is incorrect, correct or delete this account
Product: Payday loan, title loan, personal loan, or advance loan

I would like for these hard inquiries to be removed because I did not authorize these companies to run my credit. That's fraudulent
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX