23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/XXXX, Synergetic Communication , Inc sent a letter claiming a debt was owed by XXXX XXXX XXXX XXXX, whom no longer lives within the United States of America. This was the 3rd or 4th letter sent to this address ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ). 

This debt is apparently related to an Auto Loan which was surrendered to the Bank in XXXX, during the Financial Crisis and " Great Recession. '' XXXX XXXX XXXX XXXX and myself ( XXXX XXXX XXXX ) were married at that time and moved to XXXX as a family. We attempted to : 1. Settle this debt with the Auto LIEN holder, by offering a cash payment of {$4000.00} against the loan, with surrendering the car to the bank. The bank refused/ did not reply to multiple letters / phone calls. 
2. Because we did not have sufficient resources due to the financial crisis, we elected to stop payment and let the bank repossess the vehicle. 
3. Within 1 year, the bank offered to accept ~ {$2500.00} to settle the loan, which we refused ; we did not have the resources at that time. 
4. We updated all financial institutions with our current address in XXXX, as well as the Internal Revenue Service. 

This loan was charged-off between XXXX. Collections ceased at that time. 

I now have a collections letter claiming that XXXX XXXX XXXX XXXX is living in a house in XXXX, and that she still owes a settlement. I dispute the claim, on her behalf, and with her permission, because : 1. The statute of limitations has expired for collecting this debt. The statutes claim 6 years from the date of last payment ; that would have been during calendar year XXXX / XXXX. 
2. All banks/ collections are well aware of XXXX XXXX XXXX XXXX 's addresses ; her tax returns and also address updates were provided to all interested parties. 

This means that Synergetic Communications has : 1. Intentionally ignored the statute of limitations and is attempting to fraudulently force other parties not affiliated with XXXX XXXX XXXX XXXX to pay debts NOT OWED. 
2. Sent letters that contain explicitly protected and private loan information that has been revealed to parties that have no interest in this matter; thus violating XXXX XXXX XXXX XXXX 's right to privacy, as well as attempting to use embarrassment / humiliation to " coerce '' payment. 
3. Since it appears that Synergetic Communications has had complaints filed against it for similar infractions in the past, it is being provided for further investigation. See here : https : XXXX I respectfully request that the C.F.P.B. complete an investigation into this matter, and kindly advise any and all remedies appropriate and permissible by law. 

Regards, XXXX XXXX
Product: Mortgage

Made the XXXX payment and they refuse to post it to the account and have left it in a suspense account and there is no payment being shown made after they have take the money. I am beginning to think that Bayview is a XXXX group that is collecting money for their cause. They are a bunch of XXXX and XXXX  people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
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.US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX
Product: Credit card

i hired all star moving company from XXXX to XXXX XXXX to pick up my goods on XX/XX/XXXX, i paid XXXX % ( XXXX ) as a advance, but then i found out that they have very bad reviews, and bad reputation with XXXX, so i called them to cancel and refund my money, they refused to refund the money because it is not refundable according to contract, then i called my credit card company for a charge back, they put the money on the side but advised me to work with merchant anyway, so i called the mover ( XXXX XXXX ) they insisted not refunding the money, but they insisted to show up to pick up the goods, so i hired another moving company ( all city movers ) and they charged me {$100.00} advance so i booked them, for XX/XX/XXXX thinking that if all star shows up on XX/XX/XXXX i will go with them and will cancel with all city and will loose {$100.00}, but surprisingly all star never showed up on XX/XX/XXXX, i thought they are not interested to fight the chargeback and moved with all city movers smoothly to houston, now after 2 months city bank revered the charge in merchants favor, i called several times to citibank i just got one call back from citibank and she said that because i signed on a not refundable deposit so i should not get any money, but i do not understand that when a moving company does not show up for the job they were supposed to, how can take XXXX % of the money, yes i called to cancel it but mover did not accept the cancellation, and kept insisting that they will show up according to the contract and i waited all day for them, but they never showed up, plus this company charged XXXX % as a deposit that showed their bad intention, because the other company charged only XXXX % as a deposit, it was a red flag which i did not catch, but even charging that big money they did not bother to show up, so i think that citibank is wrong to reverse the charges in favor of merchant, first of all this is not a merchant, it is a mover ( a service company ) but they did not provide me any service according to the contract and still rewarded for XXXX, it is a big loss to me without getting any thing on the other hand, i hope you will ask citibank to reverse this in my favor, my name is XXXX XXXX XXXX XXXX XXXX XXXX and my phone is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner.

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

XX/XX/XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items That is inquiry was not authorized and in violation 15 U.S. Code 1681b Permissible purposes. Please DELETE as soon as possible.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to XXXX several times as well as to XXXX  and Equifax pointing out that their reporting of this debt on my credit report is reporting inaccurately. The account is marked as closed with a {$0.00} balance yet it is 30 days late in the payment status line. This is an impossibility and I believe it is a result of a keypunch error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2018, I was notified by XXXX XXXX that their is a inquiry on my credit report from PayPal. I did not run credit for PayPal or apply for any credit card by PayPal. I want this removed from my credit report. This was not authorized by me!
Product: Credit reporting, credit repair services, or other personal consumer reports

We paid a credit card off in full and when we received the new cards from the same company we never activated them. It was the XXXX Visa from XXXX. We then moved from XXXX to XXXX. I updated my address with XXXX when we moved. In XXXX of 2018 my wife tried to use the card, deciding to activate it at XXXX and we were informed it was closed. When I called XXXX they said there was an outstanding balance of {$300.00} that was three months overdue. I thought this to be impossible or fraud because we had not used the card. As it turns out, XXXX charged their annual fee to the card in XXXX of 2018 without our knowledge. XXXX, for some inexplicable reason, had us on a no contact order. So for three months late fees and interest mounted up. In XXXX, My wife paid the card in full though we were still in dispute with XXXX. In mid-XXXX 2018 XXXX admitted it was there fault and refunded all of the late fees and interest. However, they submitted derogatory information on our credit report which dropped us from an aggregate XXXX to XXXX credit score. I filed complaints with two reporting agencies. Experian was the only one to report back stating that I was correct, that the account was cleared and even though XXXX admitted their fault in the matter they refused to remove the derogatory information. When I called XXXX and finally got through to XXXX I was informed that yes, they admitted the problem with the no contact order and that they did refund all charges, but it was not their policy to remove derogatory information. Not my fault. Do know what to do from this point.
Product: Money transfer, virtual currency, or money service

We received a text message and phone call from the number : XXXX stating they were " Chase Bank : Fraud Department '' and there was fraudulent activity on our Chase joint account. My husband was skeptical but they were able to identify themselves as Chase bank in numerous ways. They used an editing system of some kind on the back end, pretending to close our joint account and open a " new '' account under my husbands name, but it was really XXXX XXXX 's account from XXXX scamming us to transfer {$7500.00} from our Chase account to his XXXX XXXX account. Chase bank was completely useless in helping us get our money back and very bad a communication. We feel violated and someone now has {$7500.00} of our hard earned money. We worked with our local Chase bank branch and called the Fraud department daily. We sent secure messages to the wire transfer team because that is the only way we can communicate with them and they never responded to our original messages about retracting the wire transfer immediately. They NEVER responded. We finally got them to respond 3 weeks later by myself ( wife on joint account ) sending a secure message and they said they can not send an LOI to XXXX XXXX to retract the funds since we initiated the wire transfer. IT WAS A FRAUD SITUATION and they still will not cooperate and barely communicate with us. We have nine accounts with Chase bank, including our mortgage and we do not feel safe with having our money with them any longer. We hope you can help us or catch him!
Product: Credit card

Merchant issued refund for {$2400.00} on XX/XX/year> but PayPal claims they issued refund on XX/XX/year> but to another account number not belonging to me and PayPal refuses to correct this situation. Between the afternoon of XX/XX/year> and the evening of XX/XX/year>, numerous telephone calls have been made to resolve the situation. The transaction refund has shown as " Pending '' but never came through and disappeared on Saturday XX/XX/year>. PayPal sent an email stating it was refunded but to an account that does not belong to me or is known to exist. I contacted XXXXXXXX XXXX, the credit card issuer, which confirmed the account PayPal issued the refund to does not exist. PayPal has been uncooperative in resolving the situation.
Product: Credit card or prepaid card

Ladies and Gentlemen, I have applied for the following credit cards at JPMorgan Chase Bank : Chase Freedom Visa XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not received approval for any of these cards for various reasons. 
I would like to emphasize that my credit score is very good. 
Other banks have never refused to give me credit cards, e.g. XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. 
I have been legally staying in the USA since XX/XX/2019 ( XXXX XXXX ), I have XXXX  citizenship. 
The lack of acceptance for any card by this bank, even when I opened an account with a deposit of USD XXXX, is for me an obvious discrimination.
Product: Credit card

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Capital One Credit Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Follow-Up on Credit Report Dispute Account Ending in XXXX, Capital One Case : XXXX Dear Sir/Madam, I am writing in response to your letter dated XX/XX/XXXX, concerning the above-referenced account and case number. I appreciate your prompt investigation into my dispute. However, I must clarify certain points and provide additional information to support my claim that this account was opened without my consent and should not have been attributed to me. 

While I acknowledge that the contact information and personal details you mentioned in your letter ( address, phone number, and email ) are associated with me, I would like to emphasize the following : Age Verification : At the time this account was opened on XX/XX/XXXX, I was under the age of XXXX. As per CFPB regulations and Capital One 's policy, individuals under XXXX must either prove independent means to make payments or have a co-signer over XXXX. I did not meet either requirement, and no co-signer was involved in the application process. 

Inaccurate Approval : Given the above point, the account should never have been approved under my name. This is a clear violation of both Capital One 's policy and federal regulations, making the account 's presence on my credit report erroneous. 

Activity on the Account : While it appears there have been transactions and disputes associated with this account, I maintain that I did not authorize the opening of this account. It is possible that my information was used fraudulently, and the subsequent activities were carried out without my knowledge or consent. 

I kindly request a re-investigation into this matter, considering the points outlined above. It is crucial to rectify this situation to prevent further damage to my credit report and financial standing. 

Enclosed, you will find additional documentation supporting my claim : - Proof of age at the time the account was opened. 

I urge you to review this new information and correct the inaccuracies on my credit report. Please provide a written confirmation once the investigation is complete and the account is removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX. 

Enclosures : Proof of age at the time of account opening
Product: Checking or savings account

My accounts at Chase bank have had a legal hold placed on them. 2 accounts which are my adult childrens accounts. They are linked to mine. I accept that this happened. I immediately contacted what placed the hold and worked out a solution. On XX/XX/XXXX Chase was notified this hold could be released. I was told it would take 2-3 business days. Today is the XXXX and again I was told it will take 2-3 business days. In the mean time I have had auto payments returned due to insuffient funds which they are charging me for. They have taken XXXX from my daughters account which had left her with a XXXX balance. Money has been taken from my sons account. I cant get a straight answer as to where this money is going. Its like they are keeping my accounts on hold as long as they can so they can keep collecting fees. I cant even begin to get it all straightened out until the accounts are taken off the hold. This was even told to me by a chase bank representative yesterday. I have been in a terrible financial bind and it is only getting worse the longer this drags out. 
I have spoken to Chase Bank representatives nearly every single day since XXXX XXXX XXXX and get the same 2-3 day response. I am to the point where I will not even be able to go to work next week. As it stands my pay check will go into my account tomorrow but I wont have any access to my money
Product: Student loan

I set up an Income Driven repayment plan in XX/XX/2019 and have made two payments with the adjusted amounts. When I went to pay my bill in XXXX, the Navient website no longer shows my adjusted amount, but the full amount I would be paying without the IDR plan. When I called, I was told this is a new thing they are doing and the larger amount reflects fees, even though I am not supposed to be paying late fees. This is not noted at all on my account and now there is no evidence of my income driven repayment plan on my account. 

I was told to go ahead and make the payments I had been and there would be no penalties, however, the website is going to say I am late on my payment. 

Why isn't Navient required to show me my income driven repayment information on my online billing?? This makes it more difficult to accurately and timely pay my bill. 

My adjusted amount is {$190.00} and now I am being told my bill is {$510.00}.
Product: Credit reporting or other personal consumer reports

The credit card from the creditor on my credit report named like XXXX on my credit report on the Experian, XXXX and XXXX Refuse to request to the credit bureaus show the account close on the credit agencies Even though the account was closed at my request on XX/XX/XXXX and I contacted them and they said they couldn't do anything, that it wasn't their responsibility and that I should talk to the credit agencies.
Product: Credit reporting or other personal consumer reports

Credit Consumer Agency such XXXX, Exquifax and XXXX are Reporting false late payments. Ive never been late because I'm on a Forbearance program until XXXX XXXX. Ive notified All ( 3 ) Agency with a Letter of Proof of from The Student Loan Agency and which clearly Shows ive never been late and My first repayment begins XX/XX/year> Ive had to send a copy of the Letter to All 3 Agencies with Proof of Non late payment as was shown on my Reports. Please address this Inaccurate with a complete of investigation and please report the Accuracy which ive never been late. Thank you
Product: Credit card or prepaid card

I submitted a closure of my American Express account after 23 years of ON TIME PAYMENT and tens of thousands of dollars of consumer credit utilized and paid. They confirmed they would close the account as the balance was {$0.00}. Approximately 2 months later a vendor charged against the account number. American Express had NOT closed the account and allowed the charge to be processed by the vendor. I received a Statement from American Express listing the charge and a " Late Fee '' for not having paid the bill. I contacted American Express and escalated the case with Customer Support management. It was then that I was told that " In the customer terms and conditions it stated that American Express would allow a vendor to charge against the account if received within 60 days from account closure. This is outrageous and buried deep within the 20+ pages of XXXX XXXX XXXX XXXX XXXX. They agreed to remove the late fees and said that they would close the account and I have copies of online chat communications with American Express customer support and a VOICEMAIL from Amex stating they were closing the account. 
I recently received a NEW BILL from American Express where they had NOT CLOSED THE ACCOUNT AGAIN and have accepted a low value charge from a vendor that they have now accrued over {$100.00} in late fees against my account and I AM FIGHTING THEIR INJUSTICE. I am calling them again today notifying them of my filing a complaint with this Bureau a my State Attorney General 's office to fight American Express ' predatory lending practices by NOT CLOSING ACCOUNTS IN A TIMELY MANNER and accepting charges from vendors against accounts closed by Consumers.
Product: Checking or savings account

XXXX  I had so many problems with wells Fargo taking money out, for fees, etc. I eventually closed the account because it was putting me in the negative, and I wasn't even using the debit card