23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am being sent a bill from National Credit Management which is trying to collect on a debt from the original creditor XXXX New Hampshire University for services that I did pay for out of my financial aid and I am being double billed from the university and now put in collections. My bill was taken care of while I was at attendance at XXXX and then my award was readjusted after I received my refund when the term was over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX ) account # XXXX violated XXXX XXXX XXXX XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX XXXX Code XXXX XXXX XXXX XXXX XXXX, and Equifax, must remove all information reporting from and relating to ( XXXX ) account # XXXX third party debt collection accounts associated with ( XXXX ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to XXXX XXXX Code XXXX c-section b.
Product: Debt collection

I signed up for a XXXX plan through XXXX for XXXX XXXX ( later called XXXX XXXX  ) in XX/XX/XXXX. I utilized my XXXX  benefits for routine primary and preventative care covered under my plan on XX/XX/XXXX, and then ended my plan in XX/XX/XXXX. Now, over a year later, I have been contacted by " Credit Collection Services '' claiming that I owe {$2300.00} to XXXX for a variety of procedures, services, and supplies. This cost should have been covered by my healthshare plan, and should not be in collections.
Product: Checking or savings account

On XX/XX/year>, I renewed a CD in a traditional IRA at Synchrony Bank for 14 months at 5 % APR. When I asked if I could convert this account to a XXXX IRA, I was verbally told I could convert it at any time during the 14 months to a XXXX without early withdraw penalty, change in the term, or the interest rate of the CD. On XX/XX/year> I called and asked to covert this account in its entirety to a XXXX. I was told to just print their " XXXX IRA conversion form '' request on line and just sign and submit electronically and it would be converted in about 10 days. After I submitted the forms I received an email to contact Synchrony. When I called I was told they could not convert the cd without filling out another form to open a XXXX account and by the way the best they could do upon conversion was a new 12 month term at a lower rate of 4 %. I asked to speak to a manager ( XXXX ) and she had no appreciation whatsoever that I had been given wrong information and stated the bank procedures could not just issue a XXXX and make the name change conversion like other banks and brokerages do. I asked if there was anything anywhere on the website or otherwise that said a XXXX Conversion could not be done on a traditional IRA without changing the original term and interest rate and was told there was not. Is it any wonder their people give out wrong information and the the public is also deceived. I would think the CFPB would at least require the bank to put this in writing somewhere! What if a person opened a 5 year or longer cd and found out they could not convert it to a XXXX without changing the term length and would have to take a lower interest rate! Please help the public CFPB!
Product: Checking or savings account

On XX/XX/XXXX at XXXX I got a message welcoming me to bank of America and an email asking to verify my email. Then at XXXX getting a message that they could not open an online account for me.i never tried to open an account and have never used bank of America so I believe it was fraud.
Product: Credit card

I disputed this company setting me up for a promotion that I never agreed to. Per the company I had not choice and this is something that they do for all accounts when they set accounts up. This is not a lawful action without the consent of the consumer. I have multiple cards that offered that promotion and all I had to agree to the terms by either a physical signature or a verbal recorded authorization. I never agreed to this promotion and if I did I would like for Synchrony Bank to provided the documentation with my physical signature or a recorded line with me agreeing to this promotion at the time that the card was applied for. A eSig can be completed by anyone and is not a valid signature if the consumer is not the one completing the application and can not see terms of the card or anything. 
If this can not be provided and my issue being corrected, I will take this matter higher as I would never agree to a 6 month same as cash promo. It only leads to greater debt and after contacting Synchrony as well as filed a complaint to get this corrected with no resolve, I am trying XXXX more time to give them the opportunity to correct this matter. This company can not just sign people up because they offer a promotion. A consumer has to give permission ( physical signature or recorded verbal ) to be signed up for such thing
Product: Student loan

Contacted Navient as I was placed on XXXX XXXX in support of XXXX XXXX with the XXXX XXXX XX/XX/2018. Navient has harassed my children former spouse elderly and XXXX parents and my sister 's. They have called over 100 times. I have contacted Navient and was told if I pay them XXXX ASAP they will clear the Loa s and Mark paid In full. I have submitted military XXXX  and the amended extension  which Navientsaid they never received. I told Navient with Being on XXXX  how was I suppose to get that amount of funds as I am on military XXXX. Navient told me to borrow the money from my family. I tried telling them the .oans shoj , d have been placed under protection while I am on XXXX XXXX XXXX. I pleaded with them to please not call my family as when they get a call and hear my name they assume the worse and something had happened to me. Please assist and advise. Navient told me they can resort to any means they see fit to get a hold of me and regardless if pay me d 's are Being made the payments are not the full payment amount that if I bad a car I would owe a certain amount so I need to pay.
Product: Mortgage

I've been working with Carrington mortgage since XXXX. They pre-approved me and then I signed everything. Then they stopped comuncating with me and sent a letter stating they can't refinance me. I lost 3 months waiting on them to close then they told me I'm not approved.
Product: Credit reporting

My name is misspelled in my TransUnion credit report. I submitted a dispute form through their website today. The form directs those individuals who wish to correct or change the spelling of their name to contact the creditor who furnished the misspelled name. None of my current creditors have any records with the misspelled name. I have attached a statement to my TransUnion report reporting the misspelling. I have no letter J in my last name.
Product: Credit reporting or other personal consumer reports

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$4800.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$820.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX : {$4800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022.
Product: Credit reporting or other personal consumer reports

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 consists of a personal reports.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. 

XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX {$89.00} 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 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 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
Product: Checking or savings account

On XXXX XXXX I called my bank because I had two charges, one I got XXXX for a boxing fight I didn't authorized and the other one was some tickets I bought from XXXX XXXX on XXXX XXXX and on XXXX XXXX I reached out to XXXX XXXX and they didn't want to give a return so I reached my bank Capital to dispute it. All they did was close my account, tell me I don't have access to XXXX dollars I had in my account and hardly want to give me any updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization.

1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. Cease any credit bureau reporting until debt has been validated by me.

4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint of Professional Misconduct Against Attorneys Greetings, Chief Judge XXXX, Subject attorney : 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 I am writing to allege misconduct during Attorneys representation of others ( XXXX ) in cases numbered XXXX and XXXX ( XXXX ) Failing to disclose relevant facts Making partially true but misleading statements Omitting information that is equivalent to an affirmative false statement Offering evidence that the lawyer knows is false Attorneys failed to file and waiver the XXXX and document Filing Notification of Affiliates, These missed deadlines have caused delays in my cases and harassment and order default. 
This situation has caused us significant hardship, as we are unable to access our home. 
I have attached copies of emails sent to the authorities as evidence of my claims. 
I request that this complaint be investigated and that appropriate disciplinary action be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & XXXX XXXX  HAVE BEEN DISCHARGED IN BANKRUPTCY AND NEED TO BE REMOVED FROM MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

This is in response to a complaint about a credit card on my credit report from XXXX  XXXX. 

They reported that the item had been REMOVED from my credit reports, but it has not from EQUIFAX. 

As of yesterday the trade line re appeared on my credit report. 

I reported this several times already. 

That is the reason that I am re submitting my complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of human trafficking, specifically debt bondagewhich falls under XXXX as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage. 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information.

I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of XXXX XXXX, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
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 of transactions were authorized. However due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
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: Credit reporting, credit repair services, or other personal consumer reports

I tried to get an auto loan and SageStream reports my credit score at almost half of other credit info services. I tried to go online to get a copy of my report to see why but they require copies of my original ID, SS # and I do n't want to put that out there. They do not offer an easy access to my information online so I can see and dispute its accuracy. But mostly I never heard of these people before and my score is only low with them so I am concerned they do not know what they are doing and they are ruining my credit reputation out of their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies did a credit inquiry of my credit without my authorization. I contacted companies and they advised me to contact credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I sent a detailed certified letters in either late XXXX or early XXXX of XXXX  asking for wrong addresses and spellings of my name to be deleted off of my credit profile. I provided the correct spelling of my name along with my current address but submitting a copy of my drivers license and social security to prove my identity. The information was never updated on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first problem is in regards to 2 of my 4 loans, which were originally with XXXX XXXX. They were in forbearance when XXXX took over servicing in XX/XX/XXXX. Two of my loans were listed as having been 60-89 days late, but the other two not. This makes no sense, as I do n't pay these loans individually ; they  are all serviced under one umbrella. I 've been told by many different representatives that this was a clerical error, a problem during the transition, etc. I 've submitted documentation supporting my claim ( letters regarding approval of forbearance, the length of it, etc ), but they have not corrected the  inaccuracy. The second problem applies to all of my loans. I was on maternity leave in XX/XX/XXXX, and had my loans in forbearance while I was not working. During this time period, I received several calls from agents stating that my loans were past due and I needed to make a payment immediately. I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and each time I was assured by the representative I spoke with that nothing negative had been reported to the credit bureaus. Nevertheless, my credit report shows all four loans as having been 90-119 days late. I 've submitted documentation supporting my claim, but XXXX has not corrected the inaccuracies. I 've been consistently making payments for over 10 years now, with the occasional forbearance when in between jobs/illness/family issues. I 've provided documentation that XXXX has made mistakes, and yet they refuse to correct them. I 've tried communicating directly with them, and also submitting disputes with the credit bureaus, but ca n't seem to get anywhere. As a result of their errors, I have had to pay higher interest rates on loans, and in some cases was denied outright. I 'm really hopeful that perhaps the CFBP will be able to get farther on this issue. Thank you for your time and help.
Product: Credit card

This is an up date from complaint XXXX Still nothing fixed and still getting worse. XXXX XXXX realized issue and sent me a refund and not Barclays is stealing that from me. I was to see a return for XXXX for XXXX of the {$99.00} charges and XXXX of the charges of {$23.00}. I do see that XXXX up held this that they agreed to but now Barclays is stealing my refunded amount.
Product: Credit card

In working with Freedom Debt Relief I was able to obtain a settlement for my Discount Tire/Synchrony Car Care account on XX/XX/. The total owed was {$680.00}, but was settled for {$410.00} to be paid in three payments. The 1st payment due by XX/XX/ for {$130.00}, the 2nd due by XX/XX/XXXX  for {$130.00}, and lastly the 3rd due by XX/XX/XXXX  for {$130.00}. All three payments were sent in and cashed by XXXX. I continue to receive emails and texts messages from them saying I still owe {$210.00} on this account. When I called on XX/XX/XXXX  and I was told that on XXXX they only received a {$30.00} check and that is why my settlement was forfeited and I owe. I explained I have copies of the checks showing they were for the correct amount and endorsed on the back by Synchrony, the representative told me the best I could do was to dispute it. I was transferred to disputes where I provided all documentation showing my account was paid in full and the checks were mailed earlier than the due day. The dispute was submitted, but when I asked if there was a reference number, a case number, an email to be sent, or even a confirmation phone call the representative told me no. I have tired everything to resolve this as this account should be settled, but synchrony is taking advantage of me in a desperate time and continuing to report a balance owed on my credit report.
Product: Vehicle loan or lease

We have numerous time have call this company since XX/XX/XXXX about our account which they take us off auto-pay try repossess our vehicle knowing we don't authorized this. The company don '' t call or email or text or send a letter in the mail saying payment not been made .So they decide try repossess our vehicle saying we were 4 month late take in mind this supposed to be in auto-pay we should not had to worried about this. At this time my husband was taking care of his mom before she pass away in XX/XX/XXXX and I was working about 70 hour a week.We don't have time to look at our bank account.again the payment should be coming out of our account All we asked is to remove all late payment and repossess off the credit report this stop us to get our loan on home. American Credit Acceptance has there money what the problem you know this was your fault and now trying to cover it..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/2024 To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated Thank you,