23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I wrote a check to pay for groceries to XXXX in XXXX XXXX Florida a few weeks ago, but the store denied my check. The receipt said because of information XXXX gave them. I contacted Certegy on that day. Every time I called I was answered by a person in the XXXX they told me they could not let me speak to someone in the XXXX. I gave her my personal information she said it was something negative on my Florida Drivers License number. but could not tell me what it was. She mailed me a consumer file disclosure report. Then someone from Certegy called me and told me it was a returned check I had written to XXXX. I told him that had already been cleared up. I got the report from Certegy last week, on the report it said for my Birth Year : No Information on File. It did have the last 4 numbers of my Drivers Lic. number but not anything else. Today I wrote a check to XXXX in XXXX XXXX Florida it was accepted I asked the clerk when she had my drivers license if she was putting in my date of birth on the computer screen. She said it would not let her. I said well what information from my drivers license did you put in, she said only my license number. I do not understand why Certegy would not have my birth Year on File and why the registrar at the XXXX XXXX not let her put my birthday in the computer. I mean my license has my date of birth on it that is a identifier for me.
Product: Credit card or prepaid card

XX/XX/21 Letter from Synchrony Bank received advising account closed Reason : '' Activity on account ( s ) with Synchrony Bank indicative of high risk or failure to pay. '' This was a Sam 's Club XXXX XX/XX/21 Letter from Synchrony Bank received advising account closed. Reason : " Account has been inactive '' This was a TJ Maxx XXXX. No issue with this XX/XX/21 Called Synchrony advised to file credit report dispute. Asked for supervisor as issue appears internal with Synchrony Bank. Explained to Supervisor XXXX that there must be an error, credit score above 780, no credit issues. Was told they will get back to me. 
XX/XX/21 Called Synchrony due to no response. Sppke with Supervisor XXXX. Re-explained. Advised they would get back to us. 
XX/XX/21 Called Synchrony, spoke with Supervisor XXXX. She advised she is having a ticket opened up for review and will take 1 to 2 billing cycles for response.
Product: Debt collection

I had a man call me on my business cell phone and asked if my first and last name were blank & blank and I said yes because it was my name. 

He began to get very aggressive with me and screaming at me. He kept telling me I had borrowed money from him and never paid it back. He said that he would get the monies and fees for me making him track me down and refusing to pay. I told him I have never borrowed money from anyone that I have not paid back. 

Yes, I had a rough divorce and was left with insurmountable debt ( XXXX+ ) but I still worked with every company to either pay them off per the agreed upon timeframe. I paid almost XXXX of it off. It will soon be 4 years since the divorce and I am finishing up the last year on the balance of almost XXXX. 

I would not ignore any debt and Im sure any of my creditors will tell you that I am the one that tracked them down after the divorce to pay them back. 

I had used all of my savings paying almost XXXX of debt off. I then called the remanding companies and worked out payment plans. 

I dont owe anyone nor have I ever heard of this man or what he says I borrowed from him. I would have never borrowed the amount of money he said I did. I had money and no need to borrow what I did make in 15 minutes. 

I had someone that had everything in my name and we either had to file bankruptcy or I had to pay it. I agreed to pay it and I have paid off the majority of it with 14 months remaining. 

This man wouldnt tell me his name and said I had no education and that he could tell it was me because I was uneducated amongst many other things I would never ever like to hear again. I get notified over a year later that he has put it on my credit file but he has increased it too. 

I ask for this man to tell me who he is and why he has preyed on me and I would like to sign an affidavit with the DA for criminal distortion of funds.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hi, this complaint is for harassment, today on XX/XX/2024, I was informed a process server was asking questions about who live at my address. Ras Lavrar LLC and it's attorneys ' XXXX XXXX, XXXX XXXX. XXXX and XXXX XXXX, XXXX XXXX. XXXX is harassing me at this point for a debt that was paid since XX/XX/2024. Please see my payment confirmation from their website. 

They continue to be unprofessional and unethical. This debt is paid already with them using unfair tactics and now they want to harrass me.
Product: Mortgage

In XXXX, the mortgage division of Chase unilaterally changed the interest index long-applicable to our home loan from the XXXX rate to something called the XXXX rate. The change was not done in compliance with the terms of our loan, which required both explained compatibility between the old index and the new index, and transparency in the process. Instead, Chase simply sent a letter announcing the change, without explanation of its work process. To our research, the XXXX rate does not look compatible at all. The net effect was to force our interest rate up 2.5 % ( 2 % in XXXX, .5 % in XXXX ), to the very ceiling of the interest rate allowed by the loan terms. Chase also did not explain the timing of the notice of index change or the rate hikes, as notice appeared both substantively and procedurally deficient. 

Based on the terms of our mortgage loan, requiring both compatibility and transparency in the result of any change in interest rate index, I attempted to ask the following questions of Chase 's loan servicing customer service unit, and then, failing any meaningful response from a team clearly not trained well in well in the index transition, to the escalation team, supervised by XXXX VP XXXX XXXX XXXX and delegated to escalations agent " XXXX '' XXXX How were the XXXX and XXXX indices " compatible, '' as required by our loan terms, with support for that determination. 
When was notice of the change of interest index due? It would seem that at least 180 days would be reasonable, but certainly no less than XXXX. 
How were the interest rate increased calculated and arrived at under the next index? The notice letter did not explain this in a transparent way. 
When was notice of the interest rate change required? Again, at least 90 days before the months it would kick in, to allow for planning and questions, would seem appropriate. 
What training was done at the Chase customer-facing levels ( customer service, escalations ) to ensure a smooth, compliant, and capable transition to the new rate, with questions of the sort above able to be supportably answered? Training appears entirely deficient. 

Chase 's mortgage customers, including our family, deserve straightforward and supported answers to these questions. Even at the escalation levels, through XXXX XXXX and escalation agent " XXXX, '' who seemed entirely not up to the task, was unwilling to research the answers, and disregarded a planned phone call without advance notice of absence, there was no meaningful assistance, and no compliance with our consumer rights. Kindly investigate and respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been corresponding back and forth with XXXX and now XXXX for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( XXXX, XXXX  and Trans Union ).

XXXX is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from XXXX notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to XXXX, they said that the payments were already scheduled for XX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by XXXX and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  state tax liens that have been satisfied and released by the state for several years that are still showing on my credit reports for all  XXXX  agencies.   The first was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The second was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The third was field on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   I disputed these liens on all  XXXX  credit reporting agencies, and they verified them with  the county clerk, but did not remove them, stating they are reporting as verified.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1692 c and FCRA section 605, you have violated my rights by in lawful communications. Please remove/block these debts that do not belong to me. Documentation has been provided. I am a victim of XXXX XXXX XXXX 

Also, it has been more than 30 days since the creditors responded to my complaint or sent me information regarding these debts.
Product: Payday loan, title loan, or personal loan

I have a solar system that has not been working properly ever since I got it back in 2021 For months it has been completely down and not working at all And to find out that PowerHome/Pink energy is now out of business closed their doors and is filling bankruptcy!! 
The CEO of the installer has mentioned many times that our systems are defective and need recalled. 
GoodLeap aka XXXX is still insisting we make our loan payment even when they know our system is completely down and not working at all!! I have opened an escrow account and will place all payments in that until this is all sorted out!! Please help my husband retired and were struggling because all of this mess Thank you so much GoodLeap does not care about trying to help they just want money Ive included the amount of my electric bills you can see how it goes up and down for the solar system working and the. Not working ever since we got the system in 2021 This is not saving us at all!! I dont want this to affect my credit or my husbands
Product: Credit card

Today I logged into my online account to make a payment and was shocked to find out that all of my account were placed on a restricted status and all of lines of credit were removed. When I cal led Capital One to g et more information I was told that they believed that there was fraudulent activity on my account. They requested that I send them a copy each authorized users drivers license and social security card. I was told that if I do n't provide the information they would close my accounts
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I received a refund check from XXXX XXXX XXXX for {$840.00}. The check was deposited in my Capital One checking account on XX/XX/XXXX. However on XX/XX/XXXX a check deposit reversal was issued. Capital One stated the check was invalid. The check was from a XXXX XXXX XXXX XXXX checking account for XXXX XXXX XXXX XXXX The date of the check is XX/XX/XXXX check number XXXX. I asked Capital One why was the check invalid and they have yet to give me and answer. On XX/XX/XXXX I spoke with bank manager XXXX XXXX and she refused to give me an answer. She was rude, disrespectful and mean. No effort has been made to resolve this problem.
Product: Debt collection

I the consumer received an alleged claim stating I owed Portfolio Recovery Associates this alleged debt they claimed they purchased containing my personal private information including my social security number, telephone number and personal address I did not give them any consent to have any of my personal private information nor did i give them direct consent to contact me witch is a violation under the fair debt collection practice act. 
they continue there Abusive debt collection practices by sending me false and misleading information though the mail and continue to invade my individual privacy. they continue to harass, oppress, abuse, and harm my reputation as a consumer. in the attached documents you will see an identity theft report filed with the Federal trade commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is showing credit grantor reclaimed collateral to settle defaulted mortgage. Account opened in 2015 and still reporting currently only on my Experian report even after debt was settled and closed.
Product: Credit reporting

I have recently been informed that there is negative information reported by TransUnion, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX, ( who TransUnion reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. TransUnion received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. TransUnion did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card or prepaid card

I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$160000.00}. I am a victim of identity theft, and I did not make these charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

A copy of my Identity Theft Report supporting my position has been mailed, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.
Product: Credit card

The credit card/banking companies involved are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This/These companies rec 'd payments to properly pay the account ( s ) in the name of " XXXX XXXX XXXX '' XXXX 

Despite this/these tendered payment ( s ), said company ( ies ) refused to accept the same, without cause, and, it is believed that they did not return the payment ( s ) to the issuing agent, and simply deposited these monies into its/their general fund without properly crediting said account ( s ).

This/These companies then continued to send threatening billing notices, and made constant collection calls requesting payment ( s ). Despite my efforts to properly resolve any confusion, said companies have refused to obey the law, and continued to illegally request payment.
Product: Payday loan, title loan, or personal loan

I took out a loan on a vehicle that was paid through and protected by the Automatic Stay in my Chapter XXXX Bankruptcy. They have not applied the payments made to the Trustee. Here is a copy of the recent letter I sent them. 


XXXX XXXX Bankruptcy Specialist Wheels Financial Group, LLC dba XXXX Legal Department P : ( XXXX ) XXXX F : ( XXXX ) XXXX RE : CFPB LETTER & ARBITRATION Consumer Financial Protection Bureau ( CFPB ) Case No. XXXX Dear Sirs : Today has been the second day that we have called your compliance department and they have not returned our call. 

As you know, we filed for Arbitration before we go to Federal Court pursuant to the documents we signed with you regarding the return of our vehicle the XXXX XXXX. License Plate XXXX and VIN : XXXX. 

We do not understand why you state that the vehicle is not registered and licensed when the XXXX has contacted us and confirmed that it always has been not only registered and licensed, but also insured since we bought it many years ago. 

We have served you with the documents we have presented in Federal Court and everything is stayed until we resolve arbitration. 

The sooner we do this the better and we would like a full accounting of the thousands of dollars we paid you via the Bankruptcy Trustee which you have failed to apply to the $ XXXX taken out as a loan on this vehicle. 

We will copy the CFPB on this email. 

Thank you and we await your reply as soon as possible. 

Mr. & Mrs . 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Attached. Federal Court Documents served on you.
Product: Student loan

I am XXXX XXXX XXXX XXXX XXXXXXXX. My component is the New York XXXX XXXX XXXX. As part of my enlistment contract I am enrolled in the XXXX XXXX XXXX XXXX. The XXXX XXXX makes payments on my loans once a year. As part of this program I am eligible for a XXXX XXXX XXXX. I submitted the Mandatory Forbearance Request multiple time since XX/XX/year>. Nelnet my loan servicer has not placed my account on a XXXX Forbearance I am eligible for. I've contacted the company numerous times and they have not updated my account status. I've attached my supporting documentation in regard to this matter. I've also attached a copy of my XXXX I received after XXXX XXXX which indicates in addition to my contract that I am enrolled in this program.