23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon looking at an alert on my XXXX  and XXXX  report the company by the name of XXXX XXXX put a collection on my report from XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of XXXX it was recently removed from a collection agency before because I had no knowledge of the account, so I called inquiring about it spoke to agent # XXXX XXXX and she said a letter was sent out in XX/XX/XXXX and upon looking at your file this is our first time speaking with you and I said well if thats the case how do I know a letter was actually sent out then and she she stated we are a third party collecting a debt for XXXX XXXX XXXX XXXX and I asked for validation of this debt since they put this in my credit report she said she had to contact XXXX XXXX XXXX XXXX, I immediately knew this was a shady practice and she pretty much pressured me to pay for something I had no knowledge of and said upon paying they will send a email to send to the bureau, so with that being said Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609, and 623. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without it please remove it and if it continues to happen I will pursue suit because the company has damaged my excellent credit that i have spent years to get it wear it needs to be surely XXXX I would not let damage my credit or ignore if I have thousands of dollars credit that I pay 100 % on time
Product: Debt collection

Ive called transworld spoke with XXXX different representatives who couldnt locate account but they are reporting collection on my credit report which has tanked my scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, Account Number # XXXXXXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX  Account Number # XXXXXXXX XXXX XXXX  Account Number # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, XXXX XXXX XXXX XXXX and equifax were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of XXXX it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of XXXX  concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have XXXX days by law to remove the information from my consumer report I have sent them an opted out letter last month at this time both companies it is now willful noncompliance 15 USC 1681n .
Product: Vehicle loan or lease

On XX/XX/2024 a check was issued from XXXX XXXX XXXX XXXX to Ally Financial for the payoff of my Vehicle Loan. I refinanced my vehicle loan with XXXX XXXX XXXX. Ally Financial received and signed off on the check on XX/XX/2024. The check was signed off on by XXXXr at XXXX. It is now XX/XX/2024 and the check has still not been cashed and my auto loan still remains opened with Ally Financial. I now have 2 auto loans opened, when XXXX XXXX XXXX XXXX XXXX should be the only loan holder open for my account in the vehicle. I called Ally on XX/XX/2024 to find out why the check issued had not been cashed yet and the representative didnt know why or where the check went to. They said it had been received, but not cashed. I called XXXX XXXX XXXX XXXX XXXX that same day to have them cancel the check and issue a new check to be delivered in 3 business days from XX/XX/2024. 
I would like Ally Financial to take care of this immediately and clear me account.
Product: Student loan

Navient sold my loan to Aidvantage. They never gave me an option to negotiate. Aidvantage then immediately capitalized ALL interest. I had never been made aware of this EVER and I asked many many many times if deferred interest would be added to the principal and Navient/Aidvantage always, ALWAYS said no. 

I was never told how this would happen. Now, they added interest to my loans as capitalized principal totalling over 45 % of my loan. I offered to make ump sum payments and they simple send the same message over and over - no. I will take this up with other regulatory bodies including State AG and other private pursuits. 

I tweeted this to XXXX head XXXX. Aidvantage said in a recent interview they serviced all CFPB and XXXX complaints. They haven't. This is a lie and I will no longer be taken aidvantage of by predatory loan issuers. The fines against Aidvantage say it all. 

XXXXCFPB NEEDS TO TRULY HELP AND FOLLOWUP ON THIS BECAUSE THIS TYPE OF PREDATORY NEGATIVE AMORTIZIATION AND DEFERRED INTEREST CAPITALIZATION SHOULD BE ILLEGAL
Product: Credit reporting, credit repair services, or other personal consumer reports

I called exsperian to tell them that i could not get hold of First access do to them having wrong contact info on there page. The number they had was some robot company in California and the credit card was through XXXX XXXX XXXX verified by other reporting agency like XXXX They told me to just dispute it and it is not a big deal
Product: Debt collection

The week of XX/XX/XXXX I have been in contact with this collection agency who I believe is a law firm but they did not clearly identify themselves ; they are XXXX XXXX XXXX (? ) I believe and they are trying to collect on a debt they say I havent paid on since XX/XX/XXXX. The debt is a credit card called " XXXX '' which is provided by Continental Finance. 

When they first contacted me they left a voicemail saying there was a litigation pending against me and I needed to call them right away- I called them on XX/XX/XXXX I believe to find out what the debt was and then they explained it was for the XXXX  card and if I did not pay up right away that they would go ahead with the litigation and garnish my wages ; I have not received anything in the mail about any proposed litigation or court date, nor have I received anything in the mail to show what my current debt amount is. The first time I spoke with them they asked for {$100.00} right then and there and as I said this was not my pay week they didn't care as they then said I could pay {$500.00} on Friday of this week ; when I spoke to them today XX/XX/XXXX, I reinforced the fact that I did not have the money to pay but I could possibly give them {$500.00} by Friday if they can email me a statement of the details of my debt ; they said they were unable to do that and they were not going to do that because it's an old debt so it doesn't matter anyway. 

The collection agency representatives were very rude and harassing and accusatory ; they have called my job multiple times which I would like them to stop doing and they have not started with any garnishment which has been confirmed by my payroll department, but they continue to threaten that. 

Their contact # is XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2020 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Product: Mortgage

NewRez sent several letters notifying me that I didn't have proper hazard insurance on my condo. 

This was after they dropped my insurance once they took it over. I responded the first two times that they were incorrect and that my insurance, again, that I had to reactivate because of them, was already in place and contained the required hazard provisions. They have the correct information because their error forced me to reactivate. 

I also submitted evidence of the policy to the URL they told me to use in their notices. They still withdrew {$600.00} from my account on XXXX and said they were not properly listed as the mortgagee. I called my insurance provider, and guess what? NewRez was listed as the mortgagee. My declaration also has a note from XXXX ( the policy began XXXX  ) stating the policy was amended, which is the date NewRez was put on the policy after they dropped my coverage during transfer. 

I had to call their investment department to get anyone on the phone. Now I'm resubmitting paperwork they already have and hoping they refund my {$600.00} back. Horrible, horrible company, which tracks with everything else I've seen about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$750.00}
Product: Credit reporting, credit repair services, 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 1681XXXX 


Account name : 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 Or list of inquiries 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.
Product: Debt collection

This is my  2nd  complaint to the CFPB concerning  SCA  collections. The company has responded and advise me that an itemized bill has been sent from the original creditor. As per the documents sent to  SCA  Collections on  X/XX/17    I advised the company to provide me with a breakdown of the collections cost and medical charges, I also advised them to provide me with a copy of my signature to the provider of service to release my medical information to a  3rd  party agency.  SCA  has not provided me with a contract with my signature allowing their company to have any copy of my medical bills. This is considered to be withholding information that they received from my medical provider in an attempt to be HIPPA compliant can be a violation of the FDCPA. Cease/remove any credit bureau reporting. I have provided the original certified document along with the 2nd document requesting  SCA  to provide a contract of medical release and medical bills.
Product: Checking or savings account

Before I start this complaint, as I have stated to PNC representatives, I have no problem paying overdraft fees if I present a transaction at the time of purchase and the funds are negative. On XX/XX/XXXX, the account available balance was XXXX cents ; however, to my surprise on XX/XX/XXXX, I was charged two overdraft fees of {$36.00} for an available balance of XXXX. I used my debit card for these transactions and at the the time of transaction, funds were available and had a positive balance. With this being a new account and one direct deposit on the account, if I had a negative balance on the account, the transaction would have rejected. I spoke to a Retail Support Manager and I explained and he confirmed - if I have opted out of coverage - the transactions would have gone through and fees wouldn't be assessed. Since I opted in, fees were assessed. If I had a positive balance when I swiped my cards, what service was used for me to occur overdraft fees in the amount {$72.00}. 

Also, the mobile app currently says that I could overdraft {$89.00} from XX/XX/XXXX to XX/XX/XXXX ; however, this amount has been processed.
Product: Debt collection

Professional Debt Mediation ( PDM ) is trying to scam consumers into paying more than they are required to pay for past due debts. I will admit that the amount that was sent from the original creditor is incorrect, but I have since spoken to the original creditor as well as PDM to have the amounts adjusted. Both parties have admitted that the amounts are incorrect on separate occasions over the phone, but no one will send me anything in writing correcting the amount. <P/>The original debt is for XXXX XXXX XXXX which was formally owned by XXXX XXXX XXXX. There are two standing issues with the amount I am accused of owing. First, in order for me to move in to said apartment, I had to pay a {$850.00} deposit as well as {$190.00} non refundable administration fee, plus the pro-rated amount for the first months rent. Upon the day of my move out I was charged an extra month of rent. They are unable to explain to me why I am charged for another month of rent and it shows up on the balance sheet given to me as " Other - Balance on Account ''. On top of that, they did not apply the {$850.00} security deposit I paid upon move in. One the balance sheet that was provided to me, it says " This is a notice of the landlord 's intention to imposes a claim for damages/charges in the amount of {$2100.00} upon your security deposit in the amount of {$0.00} due to : .... '' then it addresses the reasons. I I have made this very clear to PDM that the balance that they say I owe shows my security deposit as {$0.00} ; however, my lease ( that they have a copy of ) shows I paid {$850.00}. They have since acknowledged the mistake over the phone, but each time they send me " verification '' via mail, it says that they have sent me verification already and are not required to send me anything further. Copy of the lease and the balance I owe is attached.
Product: Money transfer, virtual currency, or money service

I was supposed to close on a real estate transaction. I called Citibank to see if I could initiate the wire transfer for my down payment over the phone. Given the size of the downpayment, it did not seem likely it would go through online. I was told that there was no way to do this on the phone, but that I would have to use their app. 

Per their guidance, I submitted the transfer for $ XXXX dollars on the app. I then left my phone for a moment, and when I returned, I had missed a call from Citibank 's fraud department. The messaged asked me to contact their fraud department to confirm the authenticity of the transaction. 

I attempted to call back the number they provided - to no avail. I would sit on hold for 15 minutes, then the line would cut off, and I would have to call all over again and sit in line. I tried any and every number I could find ; but all of them ended in this dead end of a long hold time that would eventually just terminate.

After THREE HOURS of holding, re-dialing, holding again, etc, I was finally able to get through to someone, who then informed me the wire transfer had been canceled, and I would have to start over again. 

So, I started the wire transfer process again. I received no phone call from them to verify or confirm. It has been six hours since I initiated the 2nd transfer. The hundreds of thousands of dollars have left my account, but are in a " hold ''. I called again and when I finally got in touch with someone, they told me it was under review, and there was nothing they could do. 24-48 hours. 

It is likely that I will now miss my closing date because of the neglect of Citibank. I lost my entire work day sitting on hold. I still have no idea what is happening with my funds, and there is NO ONE to talk to. This is paramount to fraud, and I intend on closing my account as soon as I can get this sorted out.
Product: Credit card

Charges to my credit card in excess of the available balance are being approved rather than declined. I contacted the bank to see about changing this and seems I can not. There is no charge for going over the limit, but I do not want my account to be able to go over its limit. If the account is over limit during a statement it will get reported and effect my credit score. The account was not always this way and it seems some recent change I dislike but seem to have no control over.
Product: Credit reporting, credit repair services, 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. 

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 DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX 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: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the FAIR CREDIT REPORTING ACT. ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violated federal law and my rights as a consumer
Product: Credit card

Synchrony Bank handles my Lowes store credit card account. 
They have sent me the following email which in part, states : " Synchrony XXXX We're following up on recent changes to your Lowe 's Advantage Card agreement. Starting in XX/XX/2024, a {$1.00} fee will be charged to your account each month you are sent a paper billing statement. You can avoid this fee if you set up paperless statements and are sent your statements only in electronic form. Plus, going paperless means less waste. Go paperless today. '' First and foremost, if something happens to me ( I'm in my XXXXXXXX XXXX ), my wife does not do email and has no idea how ; therefore she would be stuck with an overdue payment charge. Second, I believe the bank should provide a paper statement for no extra charge as part of their credit card service. If not, then the charge should be actual cost and be below {$1.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Vehicle loan or lease

Loan was paid off in full with an additional overpayment of {$490.00}. Santander bank, who was the lender, uses a third party to issue refund. XXXX is the 3rd party. They issued a prepaid card. When received i called and requested check be sent. XX/XX/XXXX first call. Had not received by XX/XX/XXXX. Calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and today XX/XX/XXXX. They said check was issued twice, never received, called back and told them i want deposit to account. On XXXX was told money would be back on card on XXXX and i could transfer on line to my acct. Money not available on card on XXXX and called and was told it takes 5 business days to get back on card. Told the reason was due to refund program of their system. I requested check due to restrictions and spending requirements with using card. This bank should have never allowed a refund to be sent thru XXXX party much less restrict how i might chose to spend MY money. Santander should have refunded to the acct on record or mailed check to address on file. There should be absolute repercussions for any business treating customers this way. Just horrible business practice and would never advise doing business with santander bank.