23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Synchrony Bank filed a complaint of an amount owed, for which I received a Civil Summons in XX/XX/XXXX. The amount due was in connection with a JC Penney credit card. I was not aware of this debt before receiving the summons. After receiving the summons, I called numerous times to find out when these charges occurred and what they were for. J.C. Penny credit department said I had a XXXX  balance   due on my accounts. Synchrony Bank said I should contact the collector, XXXX XXXX XXXX. 

We have probably spent approximately 20 hours over the last 9 weeks trying to resolve this issue, most of which has been on hold with the parties mentioned above, attempting to get information on the charges. That doesn't include the emotional stress caused by this action. I have been told multiple times that the information would be mailed, but I still have not received that information, and they refused to email anything. Instead, they sent only only two statements from 2015 showing a XXXX  balance due, and which do not include any of the charges in question. If an amount was owed, why can Synchrony Bank not produce a simple account history so that I can review the charges made on the account? My understanding is that these charges were from several years ago, and I no longer have statements for them. According to CFPB.gov, banks should respond to complaints in 15 days. I find that doubtful, since I have been trying to get basic account history information from Synchrony for 9 weeks, with no success, on an account for which they decided to take legal action against me.
Product: Checking or savings account

I would like to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when transactions were authorized, I was charged fees due to a lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initial available funds. I believe these transactions are unfair and request an investigation into my account transactions.
Product: Student loan

XXXX this was not an official of the department of education or even any department in the federal government. In fact, this was an unauthorized, non employee that was given access to my information. There was no written consent or information given that allowed this person to access any of my information.
Product: Debt collection

On XX/XX/2020, I contact EOS-CCA regarding a XXXX bill that been placed with them for collections. I advised them when I went in for service the XXXX rep started 5 accounts without my consent.

Further, I advised them I contacted XXXX corporate that day and reported the fraud. Subsequently, I have spoken with an attorney who has affirmed I have a case against XXXX XXXX and am in the process of filing litigation against them now. 

I contacted EOS-CCA because while I could end up profiting greatly from this, I wanted to avoid litigation and decided to propose a settlement offer of {$150.00} and I would then agree to waive my rights to file suit against XXXX XXXX for an issue they are clearly liable for. 

Instead of taking my proposal to their client, an " XXXX '' who was completely aggressive and confrontational refused to ( and a copy of the audio recording I made of the call is attached XXXX to corroborate this. 

I have spoken with an attorney that has conferred by denying to act as the " agent '' that has a duty under " agency relationships '' the collector " XXXX  '' decided to act out of her own emotion and nefarious intents instead. Subsequently, this constitutes tortious interference with a business relationship and I have been advised by my attorney that because suits based on agency relationships do not fall under the purview of the Fair Debt Collections Act and are based on agency law instead that I do have a claim of action. In addition to damages for violation of the FDCPA, violation of The Brady Decision, the Intentional Infliction of Emotional Distress, as well as punitive damages.

I wanted to advise the CFPB of this because this is an example of the worst kind of collection practices that merit an audit by federal regulator officials into the conduct of this agency. 

I am pursuing a lawsuit against EOS-CCA currently. 

It's important to note, that EOS-CCA 's actions not only are a violation of collections law and agency relationship. They are directly responsible for preventing their client from exercising their legal rights in civil suits to mitigate their damages. 

Further, I would contend they have a duty under a civil-action theory to attempt to prevent their client from getting sued ( which they learned about during the dispute in the phone call but intentionally blocked from being presented to their client regardless of the validity of the legal claim held by me against their client, while in the same breath telling me I can not call their client because they represent them. What a bunch of XXXX XXXX XXXX XXXX. )
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF ED XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX  ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX.
Product: Debt collection

" This letter serves as formal notice that the debt in question was legally canceled, as evidenced by the enclosed IRS Form 1099-C. Any further attempts to collect on this debt violate the FDCPA and may be subject to legal action. '' FCI Lender Services violated the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by silence, Englehardt vs Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

REPORTED INCORRECT ITEMS ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX XXXX XXXX. The hologram is not on the card and XXXX is making it appear as though I never closed the accounts. Its a scam. The card was stolen and my cell cloned. Its a network. If I buy something. They sell me a fake and they take the money. The same with XXXX. Someone hacked my IPad. It is showing that they are using XXXX and streaming.Yet I am charged for the service. 
They cloned my car key. The open the door before I get to the car. They joy ride and steal out of my car. 
In addition, my cellular is constantly compromised/cloned by some cowards and any clothes that I purchase, are sent from some cheap front like XXXX and my money stolen. I have reached out to the police who think I am lying. I have proof. I purchased a pair of XXXX XXXX sandals years ago. Someone continuously purchased/stalked the same items as me, they purchased fake items and would replace my items with theirs. They stole my car and chopped it then replaced it with XXXX parts. A colleague indirectly told me what was done. I am being victimized and targeted with no help from the police. The ( XXXX ) apartment complex allows people in my apartment, car, and intentionally leaves doors open. When I leave, someone enters my apt . They have stolen money, jewelry, and they cut my designer clothing.
Product: Debt collection

This debt has been re-aged. I 've filed disputes and had the credit bureaus remove this debt, multiple times, and each time, a new company buys the debt and reports it as new debt. It is not new debt. I have not even lived in XXXX in years.
Product: Credit reporting or other personal consumer reports

Re : Demand for Removal of Late Payments and Collections Due to Identity Theft/ Data Breach under FCRA ( 15 U.S.C. 1681 ) and FACTA 605B To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments, collections, and debt collections on my credit report related to the above-referenced account ( s ). These derogatory marks are a direct result of identity theft, following a data breach that compromised my personal information, including my Social Security number. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( 605B ) and related statutes, I demand immediate correction of these inaccuracies.

A breach of my private data constitutes identity theft under federal law, and it is your obligation to cease reporting any information that was the result of fraudulent activity. You have no legal basis to continue reporting these negative items on my credit report as I have not authorized these transactions.

Under 15 U.S.C. 1681, I demand : XXXX. Immediate removal of all late payments, collections, and any debt-related information falsely attributed to me. 
XXXX. Correction of all payment status information to reflect Paid as Agreed or similar verbiage, erasing any mention of delinquency. 
XXXX. Confirmation in writing within 30 days that these inaccurate entries have been deleted or corrected on my credit report. 

If you fail to comply with this demand, I am prepared to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and any other relevant authorities, as well as pursuing legal action for damages under the Fair Credit Reporting Act. 

I expect your immediate attention to this matter and full compliance with the law. Failure to act promptly will result in further action to protect my rights under federal law..
Product: Money transfer, virtual currency, or money service

I use PayPal. Someone who said she's a friend asked for money via PayPal. After that she wanted more money. I started to get a bad feeling that I was being scammed. I don't know why there's so many scammers on PayPal. The transaction was {$28.00} and the date of the transaction was XX/XX/year>. PayPal said they would help, but I have doubts.
Product: Credit reporting or other personal consumer reports

I have contact XXXX XXXX  over 6 times in regards to opting out of having my information verified or shared. They are continuing to VIOLATE me and my rights. This is what I have sent to them and still have not gotten a response : XXXX XXXX c/o XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Demand to Cease Sharing or Verifying My Information To Whom It May Concern, I am writing to formally demand that XXXX immediately XXXX and desist from sharing, disclosing, or verifying any of my personal, financial, or other information with credit agencies, third parties, or any other companies. At no point have I provided consent for XXXX to collect, share, or verify my personal data, and I hereby explicitly state that you never had, and never will have, my authorization to do so. 

In accordance with applicable privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), I am invoking my right to opt-out of all data sharing practices. Furthermore, I demand that you remove my information from any databases under your control that are accessible to third parties and refrain from including it in any future reports or verifications. 

I expect written confirmation from XXXX within 30 days of receipt of this letter that my information has been completely excluded from any third-party access, and that no further dissemination or use of my data will occur. 

Failure to comply with this demand will leave me no choice but to take legal action to protect my privacy and enforce my rights under federal and state laws. Please consider this letter as a notice of my intent to pursue all available legal remedies if you fail to comply. 

I trust that XXXX will treat this matter with the urgency and seriousness it requires. I look forward to your prompt confirmation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Bank of America or Arizona DES or both need to be held accountable. My fiance and I were receiving benefits from AZDES and on XX/XX/2020 Bank of America seized back over $ XXXX of PUA benefits in total between my fiance and my accounts. We received multiple different stories and explainations, and promises of our money being credited back. Its " been 2 years and still tat money hasn't been returned to us. 

. Our regular UI benefits were exhausted in XX/XX/2020 right before Covid hit and that's what our XXXX account status showed. The AZDES instructed us to instead file PUA because that was the relief benefits available to people who exhaust their UI benefits. We later found that what they were supposed to have us do was wait for the new federal extension program to become available to file that and then continue to PUA. Although, the amount of benefits would have been exactly the same under either program. Why couldn't they simply allocate the accounts? 

The PUA department instructed us to contact the regular UI department and file a backdated regular UI claim or extension claim.. Neither department showed our money as being returned by Bank of America and they insisted that they ( AZDES ) doesn't take back benefits and instead would just issue overpayment bills. Since they had no record of receiving the money back, there was no way to collect for those claim periods which showed we were already paid. 

Eventually the benefits were exhausted and programs closed so we were never paid during this hardship and we were XXXX XXXX XXXX XXXX XXXX for a long time and really needed that money because we couldn't work. And most of the people whose accounts were frozen were in dire straits, being evicted, suffering illnesses, or XXXX XXXX XXXX 

The AZDES phone representatives were uninformed, understaffed, and half of them were just employed by temporary staffing agencies and knew nothing. They were sending us all over the place and no one ever got this resolved. And they even reported the income on our 1099s!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given TransUnion this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Product: Credit reporting

On my credit report there is over XXXX inquiries on my credit report under the category of historical data that experian refuse to remove from my credit report even after notifiying them of identity theft and have multiple fraud alters on my profile that i placed there myself to protect myself against fraud and this include the past XXXX addresses that i have lived at over the past XXXX years so should someone steal my identity agains like they did when i notified XXXX XXXX and they closed the card and the account before any charges was made to delete the address for the past 5 years to protect my identity and they said that they could not but i have had other fraud issues because of this and they said that they cant remove this which is bull because they are favoring in favoritism the service bureau members which is wrong under their policy for records retention policies for publishing information public ally that no one needs to know but it benefiting them to sell it to their members when i am doing my best to protect myself from fraud that malicious they only need the past 5 years not since where i was born. all someone needs to do is get my social and start all over again and they can start the fraud again and i want to prevent this.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WH THE FORA THIS CREDITOR XXXX CRFDIT DE XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE.

15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX FXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My son had several  Parent Plus Loans. I consolidated the loans when he graduated ( app rox {$100000.00} ) and the next thing I knew they were all completely under my name. I work for a  XXXX  ( c ) so I applied for the PSLF program and income contingent payment plan. In   XXXX  , I was diagnosed with   XXXX    XXXX   XXXX  and paid approx. {$12000.00} out of pocket. I went through  XXXX , several   XXXX   XXXX   XXXX   and multiple  XXXX . I had to take  FMLA fro m work but I never missed a student loan payment. I contacted Fed Loans and they told be to send an updated income contingent form with a copy of my medical bills so my monthly payments could be lowered. I got a response back that my monthly payments were going up. I only refiled the form because the rep at Fed Loans told me that is what I should do. My son graduated with honors from  XXXX   XXXX   (   XXXX  yrs ) from The   XXXX   XXXX   and currently holds  XXXX  part-time low paying jobs while he is in graduate school because his  XXXX   XXXX  did n't qualify him to do anything in the   XXXX   XXXX  . This loan has become a crushing burden that keeps me awake at night.
Product: Checking or savings account

I had a account with Bank of America back in 2018. I didnt know I had a outstanding balance. I took care of that balance and then some in FULL. Now I AM having trouble opening a new account ANYWHERE and it is very discouraging. I am a XXXX just waiting to open a account to put and save my money. I have paid what was owed as I do not want that on my record. I need a chance to open a new account and start fresh. Please help me fix this so I am able to move forward in my financial life. I do not owe any financial institution. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX XXXX XXXX XXXX in the mail dated XX/XX/2022. After reviewing all three Credit Reports with XXXX, XXXX, & Experian I noticed several fraudulent inquiries appearing on my credit report that I do not recognize. I have not applied for credit for quite some time. I noticed a total of XXXX inquiries that XXXX be connected to fraud. 

I did some research online on how to take care of these fraudulent inquiries, and then I saw some Credit Attorney online explaining how to fill out an FTC ID Theft Report. I submitted the FTC ID Theft Report back on XX/XX/2022. Please see the attached report for your review. These fraudulent inquiries are not mine are having a major detrimental impact on my ability to borrow.
Product: Student loan

I reached out on Monday, XX/XX/XXXX to XXXX to correct my enrollment and loan status. It is Friday, XX/XX/XXXX. I am currently enrolled full time in a graduate program and have been consecutively since XXXX XXXX ( and prior to the Fall XXXX semester, I was enrolled consecutively from XX/XX/XXXX to XXXX XXXX ). I have been receiving emails imploring me to complete exit interviews for a loan for the last several months. I am enrolled full time and provided the enrollment verification form upon request, via email, on XX/XX/XXXX. Several days afterwards my credit score dropped significantly ; upon providing proof of my enrollment my status should have immediately been put on deferral until it was verified by an account specialist. At the time of writing this complaint, after reaching out to UAS multiple times, via email and phone, I presently still owe a payment on their portal. My status has not been adequately adjusted to reflect my enrollment, it has had a significant impact on my credit score, and it will continue to affect me. When I reached out by phone I was not given any time frame as to when my status would be corrected. 

My loan status has been corrected and deferred until XX/XX/XXXX, however : 1. My graduate date us XX/XX/XXXX, not XX/XX/XXXX. The deferment should go until 6 months after graduation, which is XX/XX/XXXX. 
2. The incorrect status on my credit report has STILL not been corrected.
Product: Debt collection

Daily phone calls I don't answer and they leave no message. XXXX check flagged the number as a scam. Today 's call was XX/XX/21 at XXXX. XXXX complaint identified the number to Sequium Asset Solutions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to contact TransUnion to let them know that there was incorrect reporting on my credit report for the account of XXXX MC and I was not able to submit the dispute because it is stating that I already had an open dispute so I would not be able to dispute the information. 
On XX/XX/XXXX it was reported to XXXX  and XXXX  that the account credit limit was decreased to {$100.00}, this information is not correct. This same error has appear on my TransUnion Report as of XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX I spoke with 3 separate representative from the XXXX credit card company and they all have stated that my credit limit is still {$1000.00} and there has not been a change. It was an error on the credit bureau part. Their phone number is XXXX.
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$540000.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance XXXX {$0.00}.