23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit card or prepaid card

Synchrony Bank continues to turn me down for credit cards Tj max, Amazon, Care Credit ), when giving a reason it says either open bankruptcy or past due accounts. This is false information. Ive contacted Synchrony Bank on numerous occasions to no avail. Today I spoke with 11 people. They blame it on their computer system and fail and refuse to look at my credit bureaus and make a determination based on my score and current credit history. They refused to give me corporate headquarters information also.
Product: Debt collection

I have a a unverified account from XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request thatXXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Well, I was accused of going in to accusing back account, and trying to steal. Back in XX/XX/ XXXX i do not recall going into XXXX XXXX Account. I am asking Well Fargo to please tell me when I was suppose to had done this. I am not going to stop until I get Well Fargo to answer. 

Wells Fargo said they did not know what I was talking about, but they did tell the truth. See Wells Fargo Letter.
Product: Debt collection

This company has reported upon my credit report that I owe around {$600.00} in unpaid balance ... I received no direct information pertaining to this debt, in fact when I called them I didn't even have an account # or reference # to provide as there is vague information on my credit report. 

After having identity theft I have been paying for lifelock service... .this is how I learned about this frivolous collection attempt, it went to my report. 

They can not provide proof that I created the account and used it ... .ive never had a XXXX account owning money. 

This is absolutely not my responsibility
Product: Debt collection

i notice an negative item from franklin collection since XX/XX/2020, and have been dealing with them with no reply, i sent letters in XXXX and XXXX and noone from the company has ever gotten back to me concerning this alleged debt and its real sickening for them not to care and cause me such grief. please assist me in this matter.i have attach letters that i sent to the collection company below.
Product: Debt collection

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 XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. XXXX XXXX. XXXX c ( a ) ( XXXX ), section states : No consumer reporting agency XXXX include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) states : 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

In XX/XX/2017 I responded to an internet advertisement from Chase Credit Card company for a credit card ( Mileage Plus Explorer ) that would award XXXX miles to my XXXX Miles program if I would spent {$1000.00} in three months since account opening. I applied for the card electronically and I was qualified immediately ( I have other credit card accounts with Chase with excellent credit ratings ). Next day I saw a similar ad for the same card that offered a XXXX mile award to my XXXX account if I were to spend {$3000.00} in three months. I called Chase and talked to a customer service representative by the name XXXX and requested whether I could qualify for the higher award. XXXX indicated to me that if I were to spend the {$3000.00} in three months following account opening I would be awarded the XXXX miles. I went ahead and met the requirement by spending {$3000.00} in the indicated three month period, but when I checked my account I was awarded only XXXX miles. I called Chase again and talked to another customer representative by the name XXXX, and explained to her the promise made by the previous agent, XXXX, regarding the XXXX mile award. XXXX said that XXXX was wrong and she should not have promised me the higher award. However, XXXX indicated that there were some other programs that she would try and see whether she could satisfy my request for the higher award. After about two weeks I received a letter from Chase requesting that I forward to them an offer code that presumably Chase had sent to me through my account website. I had never received such a code. So, I called Chase again and talked to another customer representative, XXXX, who explained to me that such a code was not sent to me and that the only way to get the higher award is through a specific invitation sent to me from their marketing department. However, he did not indicate whether Chase was willing to do this in my case. Thus first, Chase through their customer service representative misrepresented their credit card program second, they have admitted such misrepresentation as an error and third, they do not seem to be willing to offer any rectification in an effort to mitigate their agent 's error. If such misrepresentation was not made, I could have spend the {$3000.00} on another credit card and received cash rewards.
Product: Debt collection

Lenmark Finance Company continues to call my job. They have called multiple time which includes XXXX XXXX times a day. Trying to be smart and call back to back blocking their number. Threating to call to speak to our corporate office to get my information to file papers at my job.
Product: Vehicle loan or lease

Loan was paid off on XX/XX/2021. Overpayment check of {$35.00} was issued XX/XX/2021. I called to advise creditor that check was accidentally destroyed by my toddler. I was advised to call again after XX/XX/2021, which will be when they will be able to re-issue and do that process on their end, which involves checking to make sure check wasn't cleared ( it wasn't ) and etc. I called XX/XX/2021 or XX/XX/2021 and was advised they would start the process to have the overpayment reissued. I called again today, XX/XX/2021, and their staff seem clueless. Each time it takes me being transferred multiple times before someone competent gets on the line who actually understands their job and what to do. On XX/XX/2021 I was advised that it was not reissued, contrary to what I was told over a month ago.
Product: Bank account or service

Are banks allowed to post checks to a checking account before a deposit even if they both are posted on the same day? First Niagara Bank does this and I think that it is just a way to get the extra charges for themselves. Yesterday my Social Security check was posted and I has a availabe balance of XXXX after everything was taken out. When I looked at my account today they posted a check and charged me XXXX for it even though my balance was much higher than the XXXX check that was posted on the same day. This bank are a bunch of thieves. I live on Social Security and I 've had some times when I have overdrew and I know that it is my fault but to manipulate the numbers for their own gain is just wrong.
Product: Mortgage

I am on a forbearance plan due to COVID19 but i have been current on my loan until i changed my home insurance. My Mortgage went up {$400.00} per month but when i changed insurance companies getting same rate as before my premium didnt lower until XX/XX/XXXX statement and i started new insurance company XX/XX/XXXX. 

It took 5 months to get correct amount which means that is like {$2000.00} extra Shellpoint is trying to get from me. I have been calling and calling to get this resolved. I need to have my mortgage premium adjusted and still nothing has been done.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a legal name change in XXXX of XXXX. At that time I updated my Social Security Card, got an Amended Birth Certificate, updated the name on my driver 's license, updated my name on my Medicare card, changed the name on my checking accounts and all other financial accounts. 

All except for one. XXXX bank is the ONLY bank that has thus far refused to update my information. I have tried sending them multiple faxes over the past 3 years with all of this information. I also tried giving the information in person at their closest branch office. I tried attaching the files to their secure message system while logged into the account. I tried mailing them the documents at my own expense. 

To this date, more than 3 years later, they continue to refuse to update the information on the account. This has had real world disastrous consequences for me. By continuing to report the old name while everyone else reports a new name it resulted in a credit report being fractured such that it appears as if two different people are using the same social security number. I learned of this in early XXXX when I was approved for a mortgage refinance that I needed when interest was low and income in the household was impacted by the pandemic. I was initially approved, but then a security flag denied me because my old name and new name appeared on separate credit reports with the same social security number. And I still can't get that fixed! Every time it seems to be fixed it breaks again because XXXX bank continues to report the old information as if it is current! They are preventing me from having access to any new credit! The level of harm they are causing me is absolutely severe and all I've asked them to do is fix the error by updating the account information as required by law!
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Request for Validation of Debt Dear XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally request that you provide validation of the debt you claim I owe, as outlined in your recent communication dated [ insert date of the debt notice ]. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request such validation, and I kindly ask that you provide the necessary documentation to substantiate this claim.

Specifically, I request that you provide : 1. The original amount of the debt, including any interest, fees, or charges that have been added. 2. The name of the original creditor.

3. Copies of any documents or agreements that support your claim of the debt, including any signed contracts, account statements, or other evidence.

4. A detailed breakdown of how the debt has accrued, including the dates of each charge or payment.

5. Proof that you have the legal right to collect this debt from me, including documentation showing your authority to collect on behalf of the original creditor.

Please note that under the FDCPA, your collection efforts must cease until the requested validation is provided. If you are unable to validate the debt, I expect all collection activities to stop, and any negative information regarding this debt to be removed from my credit report. 

I look forward to receiving the requested validation within 30 days, as required by law. Please send the information to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

I noticed a collection on my credit report from XXXX XXXX on the XXXX of XXXX for the amount of {$2800.00}. The original creditor was listed as XXXX XXXX XXXX, which appears to be an apartment in XXXX, TX. I have never signed a lease with this apartment, nor have I lived in XXXX. I then put a fraud alert on my credit report. 

No contact was made by XXXX, so I called them on the XXXX of XXXX. They told me that I could request a fraud packet. There was no further communication from the company, and I did not receive anything from them. I called back on the XXXX of XXXX, and was told that they would send a fraud packet, and that I should submit a police report as well as a copy of my ID and my social security number. 

The account is not mine, and I do not feel safe sending my personal information over email to the company.
Product: Debt collection

They call from different numbers, and its on the weekends and sometimes before XXXX or XXXX XXXX.
Product: Mortgage

In XXXX, I bought a property. Due to financial hardships and lack of support and guidance, I could not pay the mortgage that I secured. I tried many options to try to attempt negotiations with the mortgagor to no avail. The company filed for bankrupcy. I hired an attorney to halt the foreclosure. In XX/XX/XXXX, I met someone who said that he would negotiate with the bank on my behalf. He made us sign over the deed to him for {$10000.00} each in good faith until he negotiates with the bank. He made us sign a slew of papers transfering the deed to him in order for him to negotiate on our behalf. He never made such negotiations. He instead kept the deed, registered the property and filed for bankruptcy. He registered the deed of the property under an LLC and then filed bankruptcy. The deed is in his name while the mortgage remained on my name. I never sold him the property. He specifically told me that he would be negotiating with the bank on my behalf. I need help in investigating who willfully stole the deed, filed for bankruptcy and left me with a hefty {$720000.00} mortgage while he retains the deed. I have tried many options. It is an abyss. I can not afford the mortgage.Jacquelin travels in and out of the country and is very difficult for him to send the slew of documents they ask. I don't think he wants to keep the property either. These fraudsters have a team of well connected lawyers who negotiate on their behalf.
Product: Credit reporting or other personal consumer reports

I also Respectfully request that truant and XXXX move those Hard inquiries thats on my credit report. They are not mine. And some of them are XXXX yrs or older. Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX plus *original creditor* walk away lease no balance XX/XX/2016 Balance : XXXX XXXX creditor : partners financial Balance : XXXX Wrong balance debt already sold and collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT A CREDIT REPAIR COMPANY. I AM THE NATURAL PERSON THAT OWNS THIS ACCOUNT AND THE SSN ATTACHED. I have been disputing these accounts for years now. I read in an article date XX/XX/XXXX ... " TransUnion, XXXX, XXXX may have violated credit reporting rules, XXXX XXXX XXXX says '' ... ... it also states " XXXX said in his XXXX XXXX letter that the majority of credit report disputes have not resulted in the correction or removal of reported errors from credit reports. The subcommittee found that XXXX changed between 43 % and 47 % of the disputed items each year from XXXX through XXXX. XXXX corrected about 52 % of the disputed late payments or other bad data and TransUnion fixed between 49 % and 53 % of disputed credit reports during this time, the subcommittee found ... '' These companies DID NOT investigate my accounts. Per the CFPB website .... " On your side through lifes financial moments. 
Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions ... .. '' this is FALSE. This company has not responded to my disputes and the CFPB has not done anything to help me. For the past two years this has caused much XXXX. If nothing is done, I will be joining a class action lawsuit against your company. Previous disputes : XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Someone fraudulently asked for a credit check to open a new account with XXXX XXXX, apparently to open a new line of credit under my name ( identity theft ). This person has also locked me out of XXXX, changed the email, password and phone number, before I could lock my credit there. 

Also, i can not supply documentation for this because there are no documents. I can not prove I did not do something.
Product: Debt collection

I never received a single bill from this company ( Professional Credit Management ), nor did I receive a voicemail message from this company that identified themselves, made a claim upon the debt, and asked for a return phone call in accordance with 15 U.S.C. $ {$1600.00}, or to otherwise notify me that I had a debt with this company and/or to make or set up payment arrangements. 

Then, i received a summons and complaint in the district court, to sue me for the balance owed from their attorney XXXX XXXX XXXX. This was the first communication I received from this company, which is also a violation of FDCPA 15 USC $ {$1600.00}. 

I filed a response in the district court, including objections and a brief citing Arkansas Supreme Court ruling on the matter, interest and attorneys fees, in which this company filed arguments that directly contradicted the FDCPA, in which under $ section XXXX, a debt collector under FDCPA is not entitled to attorneys fees or interest other than provided from in the original contract, to which this company was seeking above both allowed by Arkansas and federal law.. 

This company and/or their lawyer cited Arkansas law regarding " prejudgment interest and fees '', however, it neglected to accept that the original contract and debt provided for " no interest '' and " no fees '', which the company suing me was in violation of the Federal Debt and Collections Practices Act. 

I filed motion to produce documents and interrogatory response regarding this matter, in which legal counsel of this company refused to provide, and in which this is also a debt collection agency, which is also owned by the attorney, which is also a violation of the due process clause of the Constitution and the view of a judicial hearing in which when a claim is made, a defendant is entitled to " through due process '' adverse evidence and/or interrogatory response and production of documents, to which the plaintiff ( in this case XXXX and XXXX XXXX XXXX ) are required to provide. 

All of these are direct violations of the FDCPA, in which : a. ) I never received a bill or communication from the company, in which the first thing I received was a complaint to sue me, b. ) the company ( PCM ) and their attorney was seeking attorneys fees in violation of the FDCPA. c. ) The company PCM and their attorney was seeking interest above the contract and state law and federal law under 15 U.S.C. $ {$1600.00}, which is another violation of the federal debt and collection practices act. 

In which this matter needs to be investigated as unethical and violations of the FDCPA have occurred in this matter, then there is no telling how many other violations of citizens rights, that this company and their lawyer have committed. Whereas if it has happened once, then it is probably a regular occuring violation, which takes advantage of the consumer.