23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing to lodge a formal complaint against Navient for its aggressive and unethical debt collection practices that are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). Despite my clear communication regarding my current financial situation, including the fact that I am in the process of being placed on XXXX, I have been subjected to relentless harassment, including multiple daily calls and unwarranted contact with my friends and family. 

The process of being placed on XXXX has been lengthy and through no fault of my own, it has taken over a year to receive a response. During this time, my financial situation has been precarious, and I have made this known to Navient representatives on multiple occasions. However, this has not deterred the company from attempting to locate me by reaching out to my personal contacts, despite having my up-to-date contact information on file. 

Moreover, during a recent interaction with XXXX XXXX, I was denied the opportunity to speak with a supervisor when requested. The agent insinuated that I have no rights under the FDCPA and proceeded to threaten legal action against me for funds I currently do not possess. The agents conduct was not only unprofessional but also deeply distressing, as they even threatened to target my XXXX grandfathers XXXX and XXXX XXXX benefits. 

This relentless pursuit has placed an immense emotional and physical burden on me and my family. It has caused undue stress and XXXX, which is exacerbated by the fear of financial insecurity for my XXXX XXXX 

I demand that Navient immediately cease these inappropriate collection tactics and adhere to the regulations set forth by the FDCPA. I also request a written apology for the distress caused and assurance that such incidents will not recur. 

Please take immediate action to investigate this matter and ensure that Navients debt collection practices align with legal and ethical standards. I expect a prompt response to this complaint and a resolution that respects my rights as a consumer.
Product: Mortgage

i bought a house in  XXXX  and the loan was sold to  XXXX . i have consistently received my bills with 3 days or less before it 's due. i am cynical enough to beleive that  XXXX  mails bills late on purpose in order to pressure people to pay online so the payment is n't late.   XXXX   charges the exorbitant amount of {$3.00} for an online payment. i tried to call  XXXX  3 times but the phone just rang with prompts to use their website. i have an email sent to them and i 'm waiting for a reply.   thanks,  XXXX
Product: Checking or savings account

I am XXXX/XXXX of the XXXX XXXX XXXX, XXXX XXXX . 
The accounts that I opened on behalf of the XXXX  were taken over by two fired board members and a management company that also had been terminated. Chase bank took their one sided documents of proof and absolutely refused to accept any documents that I gave them in an effort to dispute what was done. 

I turned in, XXXX, real receipts, the businesss Bylaws, minutes from meetings, etc. yet I was told by the banks manager you must contact your board-theres nothing we can do. 

This board has refused to provide an IDR, which is a legal requirement, and REFUSED to communicate with me. 

Chase bank has given these individuals control over EVERYTHING in the accounts that I opened based on a one sided story and documents while REFUSING to accept my documents and information.
Product: Debt collection

I want to contact someone at your company to let you know that I mailed a letter to XXXX, Transunion, XXXX, XXXX, XXXX, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.
Product: Debt collection

I received a collection notice fro m Hunter-Warfield claiming  that I owed {$700.00} principle and {$51.00} interest. The debt was supposedly being collected on behalf of  XXXX   XXXX   XXXX , the owner of an apartment I rented, the notice was dated  XXXX / XXXX / XXXX .   I moved out of the apartment in  XXXX   XXXX , the end of the lease, and the property  manager  told me everything was fine and I did n't owe anything. A year later I received the collection notice. I called Hunter-Warfield and requested a copy of the contract, and validation of the debt, which they are required by law to provide, according to the Fair Debt Collection Practices Act (  15USC1692  ).   On  XXXX / XXXX /   XXXX     Hunter-Warfield  admitted over the phone that they do not have the contract or validation of the debt. They told me they would stop trying to collect, and would contact the credit bureaus to correct the situation. They said they are unable to provide a written statement that they have done so, and they also are unable to close my case, all they can to is stop trying to collect.   They claim that they are unable to cancel the collection. If they do n't have the contract or validation, they have to cancel the collection.   I am pretty sure that in 6 months to a year they will attempt to collect this debt again, that is why they wo n't provide a written statement or close the case. They were illegally trying to collect a debt that I never owed, and they certainly never had any evidence that I did, and they are keeping the case open so they can try to harass me again in the future.   I am certain their response will be " company believes the complaint is a result of a misunderstanding ''.
Product: Checking or savings account

Capital One has fraudulently claimed I monetized funds with no ability to use a debt card or monetize physical funds in my account. 

I am requesting urgent action as I have been prevented from banking as Televised Host in XXXX XXXX XXXX for more than a year under CAPITAL ONE 's negligence to comply with XXXX Complaint Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and further failure to correspond with XXXX XXXX XXXX XXXX : XXXX. Now reaching it's THIRD internal review following correspondence with XXXX XXXX I requesting urgent assistance from your office regarding these discriminatory matters preventing me from banking.
Product: Checking or savings account

On XXXX I deposited a beneficiary check for my cousin on behave of her fianc whom is incarcerated at this time, this check was from insurance because his mom recently passed in XX/XX/year>. I brought her to open account for him since she has power attorney documents stated she could do so. Bank said deposit was to high as check he had to come in. So I deposited I to my account because I called and verified it was a good check. Bank froze my account o XX/XX/XXXX I got an email said there was fraud on my account and it will be frozen until addressed. I immediately called because my ssi just posted and bills coming out I had no Idea who or what was happening. I was told what to provide to verify check. Waited 24hrs, then I got a letter saying accounts are closed. After going to bank and calling everyday since XXXX I have gotten complete run around different information for every person. And know I feel they want me to commit fraud, to verify. They want me to go turn a phone on in his name so they can call him to verify. He is incarcerated you can't call him he can only call you or email. I sent all documents requested and know my accounts are being hit as of fraud after provided all information.
Product: Mortgage

After the last complaint that was submitted on XX/XX/XXXX  the company stated that I was paying late but went and removed all late fees and negative remarks from my credit report. But yet they constantly practice this every month of reporting that I pay my mortgage late and report it late to the credit bureaus and then I find that they have been charging fees and reversing them out but they are still showing that they have been paid. What are these fees for? I also, found out that they have been over charging me on my taxes and escrow. I live in the state of Florida and I'm a XXXX veteran that has a homestead exemption. I believe this company is scamming folks while ruining their credit at the same time. I entered into an agreement to have my mortgage without out of paycheck every two weeks and they need to honor it and STOP this madness.
Product: Credit reporting or other personal consumer reports

Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, results from that trafficking. 

XXXX XXXX  CREDIT CARD ACCOUNT Please block this information from my credit report within XXXX business days, under section XXXX of the Fair Credit Reporting Act Please send me a notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXXXXXX XXXX  To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : Experian Credit Report Complaint Dear Experian Executives, I am writing to inform you about an issue in my credit report. Unfortunately, I have been a victim of identity theft and fraud. I have been working with you and other organizations to rectify my credit reports and other information. However, I have noticed that the fraudulent account belonging to my XXXXXXXX XXXX Credit Card has reappeared on my credit report, even though it was previously removed. 

I want to let you know that this account and balance do not belong to me. I have already taken steps to have it removed from my credit report, and I would appreciate it if you could take care of this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Report Number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : Discover Complaint You informed me that this account was removed from my credit file, yet it is still being reported. This is a continuous violation of the rules and regulations. Please remove it from my credit files immediately. 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXXXXXX XXXX XXXX To : XXXX XXXX XXXX Subject :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. My name is XXXX XXXX, but the credit bureaus have listed my name as XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, which has caused confusion and errors in my credit report. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include 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. 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report.

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration.

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft.

Thank you for your prompt attention to this matter.

Sincerely, Sabrina Henderson
Product: Credit card or prepaid card

I just received a debit card from XXXX XXXX starting Friday, XX/XX/2022 as a brand new plasma donor. XXXX gave me a sealed envelope stating the card inside was mine and would be loaded with payment each time I came to donate plasma. Inside was the card, attached to a list of fees. I did activate the card that day, but did not use it. When I looked over the list of fees for using the card, " Bank teller withdrawal ( for banks participating in the XXXX XXXX ) '' said the fee would be {$0.00} to do this. This is the way I would like to receive funds off my card, as I will be taking the money to my daughter 's school for her tuition. The school does not accept credit/debit cards, so I needed the cash off of the card. When I saw this item on the fee list, I thought I would not have a problem doing a cash advance ( what the bank calls it ), at a bank. So, I did make a second plasma donation on Wednesday, XX/XX/2022. When I went to one of the two XXXX banks I use for cash advances ( my job also puts our paychecks on a card, but that is a different card company ), the teller said the card declined. She said I would have to go to another XXXX location because they can only run a card once a day, per branch. So, when I picked my daughter up from school, I tried the other XXXX bank I use and the teller there said my card was declined again. I had called the number on the card before leaving and I knew the money was on the card, so I was puzzled and aggravated that my funds were unavailable to me. Later on in the evening, about XXXX XXXX EST, I double checked the fee schedule, then called the card company, Comdata/Regions Bank XXXX to find out what was going on. I apologize, but I did not get the name of the representative who spoke with me. She said that the only way I could use money from the card at no charge is if I ran the card at a store. In order to get physical money back, I would have to pay {$.00} for cashback at a store, or {$1.00} at an ATM. I told her that it plainly states on the list of fees {$0.00} cost if withdrawn at a bank, she said no. We went back and forth but the answer was still no, even though I had this brand new card with the enclosed fee schedule saying that was the case. This is very, very upsetting and I personally see this as scammy. I don't feel I have to pay an ATM or store to give me my money that is owed to me 100 %!!! Especially if I have the paperwork that says I can do what I wanted to do. Not right!!!! 

By the way, the pay card from my job, which I withdraw cash advances from every two weeks at one of the two XXXX banks I referred to above, is a Mastercard. So, those two XXXX banks do participate in the XXXX XXXX.
Product: Debt collection

Portfolio Recovery reported an alleged debt on my credit reports that does not belong to me. I've requested debt validation several times to no avail.
Product: Debt collection

XXXX try talking to them response was I was wrong. According to 15 UsC 1692 you have violated my rights by lawful communication
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681e ( b ) - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Equifax fail to assure maximum possible accuracy on my credit report. This account is reporting as a paid charge off which is inaccurate. In the United States, federal regulations require creditors to charge off installment loans after 120 days of delinquency. It's impossible for this account to be charge-off for the month of XXXX, if I was on time XXXX, XXXX, XXXX, and XXXX. As well Equifax are reporting 3 Charge off for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is entirely inaccurate. This account was paid in full on XX/XX/XXXX. Once an account is charged-off it shouldn't be reporting any more on time payment which is a violation.
Product: Credit card

Dear Synchrony and Verizon, I appreciate your recent communication regarding the resolution of the rewards issue on my account. However, I regret to inform you that the promised rewards are still not linked to my account, and my current rewards balance remains at {$0.00}. Additionally, I am unable to log in where it says " already a cardholder '' it simply refreshes the page and won't let me access my account to see or use rewards. Furthermore, my app shows {$0.00} rewards available on my phone. 

This situation has been particularly disappointing as I had previously addressed this issue with both Synchrony Bank and the Consumer Protection Bureau. Synchrony Bank assured me that the issue would be rectified, yet it appears that the problem persists. 

On XXXX XXXX XXXX, I received a letter confirming that the rewards would be retroactively applied and reflected on my XXXX XXXX  statement. Unfortunately, this has not happened.

I have taken the time once again to gather and upload all relevant documentation to aid in the resolution of this matter. I respectfully request that you investigate this issue thoroughly to ensure that the promised rewards are accurately credited to my account and that future transactions are appropriately rewarded. 

Compliance and customer satisfaction are crucial, and I hope that this matter can be resolved promptly to avoid further escalation. Thank you for your attention to this issue, and I look forward to your swift resolution. 

Best regards,
Product: Debt collection

This collection agency has recently been reaching out to me regarding " my account '' and how to fix it. I do not have collections with this account, nor have I provided them with any personal information. They have sent numerous e-mails as well that are stating they are trying to collect money owed to XXXX, however, according to my credit report ( all credit bureau 's ) the collections were not sold to this company nor was my permission for personal information ever given to this company. In these e-mail they give phone numbers to call and when searched, they have no affiliation with the company, they are spam numbers. In the e-mails they will attach a document with " your information '' but will not let you open the document until you enter the last 4 of you SSN, which seems very shady. They will call off of unknown number with your state 's area code to prompt you to answer and also harass your family members/work. I have blocked their e-mails but we have not had luck with their calls to stop. I have attached the most recent documents containing this information. 

Numbers they have contacted me/my family members at include : ( XXXX ) XXXX - contacted my mother and my work XX/XX/year> ( XXXX ) XXXX - contacted me, my father, and my step mother XX/XX/year> ( most we have already deleted, but these are most recent ) Numbers they have left for contact : ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below : Inquires 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 Accounts XXXX XXXXXXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute the presence of inaccurate information on my credit report, specifically regarding late payments that are erroneously attributed to my account. Despite previous escalations and attempts to rectify this matter, the inaccurate information persists, and I am requesting your immediate attention to correct this error. 
Upon careful review of my credit report, I have identified discrepancies related to late payments on my account. I wish to emphasize that there has been no instance of missed payments on the account in question. I have consistently met all my financial obligations in a timely manner, and it is disconcerting to see information on my credit report that does not accurately reflect my credit history. 
I have previously brought this matter to your attention, and despite my efforts, the inaccurate information persists. I have attached copies of the previous dispute letters and correspondence related to this matter for your reference. 
I kindly request that you conduct a thorough investigation into the inaccuracies on my credit report and take immediate action to rectify the following issues : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit card or prepaid card

I opened an account with Synchrony Bank in XX/XX/XXXX. My first payment was due XX/XX/XXXX. I paid {$110.00} on XXXX XXXX. My next payment was due on XX/XX/XXXX. I paid {$120.00} on XX/XX/XXXX. I was attempting to make my XXXX payment on XX/XX/XXXX ( due date is XX/XX/XXXX ) and I was informed my account has a XXXX dollar late fee because I did not make a payment in XXXX. Synchrony bank shows I made a payment of {$120.00} on XX/XX/XXXX, but they did not apply it to my account because I made the payment before a new bill cycle generated. I do not understand why Synchrony Bank wouldn't credit my account for that payment. They are not backing down on this issue and I find it unacceptable. It is my intention to pay this account off under the 6 month with no interest, but I feel that they are attempting to prevent this. Your assistance will be greatly appreciated. 
Thank you, XXXX