23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello I'm the payee for my daughter who receives SSI to Direct Express every month on the debt card. On XX/XX/XXXX at XXXX an amount of {$810.00} was places on my card as soon as the money hit XXXX was transferred from my account to XXXX XXXX in NV and my card was canceled with no explanation. I live in CA and have no transportation to even travel that far let alone cancel my card that isnt expired till XXXX. Direct express says I made the authorization, lost my card or gave it to someone but a new card will be sent with the remaining balance of {$8.00}. I still have my card never lost it or gave my information over the phone or to anyone. I please need help the funds are to help pay rent and provide for my household. When I try calling the phone hangs up and no resolution. I did file fraud but I feel I need more gelp in my corner its completely obvious this was a fraud situation from doing research online XXXX XXXX does this to the CX and nothing gets done. Please please for the CX can you stop the employees from doing this to other SS recipients
Product: Debt collection

Consumer Adjustment Co added 4 collections to my credit report XX/XX/2018. An account duplication was also noted when reviewing my credit notifications. All debt with XXXX XXXX XXXX XXXX and Hospital are paid in full as of XX/XX/2018. This can be proven with receipts, or by contacting XXXX XXXX XXXX XXXX or Hospital. I already contacted them, they stated all debts are paid in full. These collections need removed. A dispute has been filed as of XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

My next step is to file a suit against the credit reporting agencies, XXXX  and Equifax to be exact. They are continuing to add to the initial fraud inwhich one has done to me. Their investigation continuously come back with the same results, verified, but never once providing me with any proof. This is my last request for you and your companies to block the following from my credit report ... .1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX {$56.00}, {$52.00}, 4 ) XXXX XXXX XXXX 5 ) XXXX 6 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX I have been sending out letters with the credit laws asking for verification for months with no response to the situation and Equifax will not remove the unverified items.This letter was sent on XX/XX/XXXX
Product: Student loan

My loan is a combination of federal and private loans that i consolidate in the XX/XX/XXXX. i graduated in XX/XX/XXXX and consolidated thereafter. My original loan was XXXX. XXXX sold my loan to Navient. I have {$320.00} taken out of my checking account automatically every month and I still owe XXXX. There is no way to pay this loan off. The end date keeps changing. I will retire from the XXXX with 30 yrs in or around XX/XX/XXXX and will still owe student loans!!
Product: Debt collection

THIS IS RIDICULOUS!!! This account is unknown to me. Why is this showing up on my credit report? I need confirmation of this account! This account is not bound by a contract. You will be sued for the stress you've caused me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I noticed unauthorized accounts on my credit report and I contacted ; 1. Federal Trade Commission ( report ID Theft ) XX/XX/XXXX 2. XXXX County Sheriff 's Dept ( to file a police report ) XX/XX/XXXX 3. Each creditor in question ( XXXX XXXX XXXX, XXXX XXXX XXXX. & XXXX XXXX ) XX/XX/XXXX XXXX. 3 Reporting Credit Bureau 's ( Experian, XXXX & XXXX XXXX ) XX/XX/XXXX The creditor 's & bureau 's refuse to block these accounts and continue to allow these accounts to effect my credit negatively. I have still not received a response fron the Bureau 's nor the Creditor 's.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nc XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Complaint Against Collection Agency for Violations of Consumer Protection Laws Dear Sir/Madam, I am writing to formally file a complaint against Credit Control Services for violating multiple consumer protection laws. I believe the actions of this collection agency have not only infringed upon my consumer rights but have also caused significant distress and harm to my credit standing.

1. **Failure to Provide Validation Information** : According to 12 CFR 1006.34 ( b ) ( 5 ), a collection agency is required to provide validation information upon request. Despite my repeated requests, Credit Control Services has failed to provide such validation information. Nevertheless, they have placed a collection on my consumer report, which I believe is unjust and unlawful.

2. **Denial of Opportunity to Dispute** : Under 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ), consumers must be given a chance to dispute any accounts. I have not been given this opportunity by Credit Control Services, which further exacerbates the violation of my rights.

3. **Use of False, Misleading, and Deceptive Practices** : Credit Control Services has employed false, misleading, and deceptive means in their communication and reporting practices. This violates my consumer rights and is unacceptable.

4. **Unauthorized Furnishing of Information** : Per 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), a collection agency must provide all required disclosures before furnishing any information to consumer reporting agencies. Credit Control Services has not complied with this legal requirement and has furnished information without proper disclosure, which is a clear violation of the law.

Given these significant and multiple violations, I am requesting the CFPB to take immediate action against Credit Control Services. These actions include, but are not limited to : - Investigating the practices of Credit Control Services and holding them accountable for their violations.

- Ensuring that the unauthorized collection entry is removed from my consumer report.

- Requiring Credit Control Services to provide the necessary validation information and grant me the opportunity to dispute the account.

- Imposing appropriate penalties and corrective measures to prevent such violations in the future. 

I have enclosed copies of all relevant correspondence and documentation to support my complaint. Please acknowledge receipt of this complaint and inform me of the actions taken in response. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing XXXX, Equifax and XXXX as a concerned consumer to request the blocking and deletion of information on my consumer report due to identity theft, in accordance with 15 U.S. Code 1681c1 and as recommended by the Federal Trade Commission ( FTC ).

I have recently become aware that there is information on my consumer report that is a result of identity theft. This information does not pertain to any transactions made by me as the consumer. My request to block this information is not being made in error, and it is not based on any material misrepresentation of fact by me that is relevant to the request for blocking these identified transactions.

I kindly request that you take immediate action to rectify this situation by blocking and deleting the information related to the identified transactions, as per the law and FTC recommendations. It is of utmost importance to me that this fraudulent information is removed from my consumer report, as it is affecting my financial well-being and my ability to engage in legitimate financial transactions.

Enclosed you will find copies of documents supporting my claim of identity theft. I would appreciate your prompt attention to this matter, as well as your confirmation of receipt and action taken within the timeframe required by law. 

Correct Name : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Identified names delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identified addresses to delete : XXXX XXXX XXXX, XXXX, FL XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX Identified transactions to delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

A {$75.00} cash deposit bonus was promised for getting a direct deposit from my employer. My Direct deposit of {$500.00} was received on XX/XX/XXXX and XXXX 2020 for {$500.00} yet the bonus promo was never credited. The terms of the promotion read " SoFi will credit members who meet the qualification criteria stated above with a one-time cash bonus of {$75.00} deposited into their SoFi Money account within two weeks of qualification ''.
Product: Credit card

Bank of America was sending my statements to somewhere unknown. Bank of America invalid info they had on file for me. 
XXXX XXXX XXXX XXXX, XXXX, Florida XXXXthe person that used that money was n't me and I refuse to pay it. They put interest that brought it up to XXXX and added a charge off on credit. They made me look delinquent with their mistake. Trying to make me pay for stuff that I did n't do which is not right. They have the wrong address and wrong phone numbers for me I have utility bills going back to 2010. So their information is false and I have proof. I called them last week seen what they had on file and told them to update my information.
Product: Debt collection

I noticed two collections being reported on my consumer report by this company. The first account # is XXXX and the second account # is XXXX. However I have never received an initial communication from this company at all which violates both Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). In order to furnish information on a consumer report, a debt collector must first have verifiable information and they must verify this information with the consumer to whom it relates by first providing an initial communication or else they would violate the FDCPA. I however did NOT receive such notice making this information unverifiable and the furnishing of this information unjustifiable. I demand that this agency provides valid proof that they have sent me the notice by providing a certified green return card with my signature and the shipping number of the notice. Additionally, I demand that they answer the attached dispute letter line by line in order to both verify this information. If they can not provide all requested information then I demand that this company cease all reporting immediately as the attached letter states. Lastly, pursuant to 15 U.S. Code 1692g ( c ) failure to dispute the validity of a debt does NOT mean admission. How can I, the consumer dispute this alleged debt when I never received a notice?
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX : applied for a personal loan from this company to pay for medical expenses XX/XX/XXXX : email received stating loan documents were ready to e-sign XX/XX/XXXX : received another email from loan company stating my loan is complete, and to click on a link to download my loan documents ; it stated the link would only work for 7 days. I called the company because the link did not take me to a website that I could download my loan documents. As I recall, I never received my loan documents, and when I called the company about this, they told me the amount of my loan, and when the first payment would be due, and for how much. 
Although I dont have exact dates at the moment, I repeatedly called the loan company asking for docs, including a payment schedule showing interest and principal-never received them. 
XX/XX/XXXX : after going through the companys XXXX app, I noticed it said this is a Precomputed Loan I called the company again to ask what that meant, and I never got a straight answer. 
My first payment was due, and paid on XX/XX/XXXX in the amount of {$240.00}, All subsequent payments have been in the amount of {$190.00}. 
As of XX/XX/XXXX, I have paid in a total of {$2800.00}. The original loan amount was {$5000.00}, for which I was funded that less their fees at the time, which ended in a deposit to my account in the amount of {$4500.00}. I asked the company why I didnt get the full {$5000.00}, and they told me it was an origination fee. 
XX/XX/XXXX : the companys XXXX app states I still owe {$6500.00} on this loan. I am filing this complaint against this company for illegal loan disclosure practices, an illegal loan product ( Precomputed ), and an excessive APR, which is now at 35.99 %.
Product: Credit reporting or other personal consumer reports

Upon a recent review of my credit report, I was surprised to uncover a significant error in the reporting. I am perplexed as to why this company has included this information on my credit report. I have never missed payments with any of these creditors. Upon contacting them, I was instructed to dispute the issue with you. Please investigate and review this account : XXXX XXXX XXXX XXXX
Product: Credit card

I have a store credit card with Amazon that is owned by Synchrony Bank. Their promotional offers are for purchases made over a certain amt., there is either a 6 month or a 12 month interest waived offer, if promo balance is paid in full by it 's due date. Since getting this card, EVERY SINGLE PURCHASE I have EVER made on it, was ALWAYS for either the 6 mo promo offer or the 12 mo. and as every Promo has come up on it 's expiration date I have made Pymt IN FULL and WELL IN ADVANCE of each Expiration date ( note : this is in addition to the mthly min. pymt I also need to make to avoid interest, and every due date the min. amt has also been PAID IN FULL and WELL IN ADVANCE ), yet EVERY SINGLE TIME I pay off a PROMO charge IN FULL as it comes due, I find out I am STILL being charged INTEREST on it! I have written & done chat sessions with this co. EVERY SINGLE MONTH and have to go thru the entire ROUTINE over and over again, where they CONFIRM that I have NO " REGULAR '' purchases on this card ( and NEVER had any ) as well as the fact that EVERY PROMO and EVERY MTHLY pymt has been made on time and in full TO DATE! and that they will REVERSE the ( BOGUS ) Interest charge, and fix the problem, yet EVERY SINGLE TIME the next month comes around, and I check my acct. AGAIN there is ANOTHER NEW ( BOGUS ) interest charge tacked onto my acct! The ONLY REASON I ever 'happened ' to notice these charges in the first place is because I chose to click on my 'activity ' to MAKE CERTAIN they are applying every PROMO PAYOFF to the correct PROMO that comes due, and that is the ONLY reason I CAUGHT their ILLEGAL and CONTINUOUS charging of Interest that has no relevance. The reason I am filing a complaint here is not just because I am getting SICK AND TIRED of going thru this ROUTINE with them EVERY SINGLE MONTH, but also because I can imagine how many customers holding a Synchrony credit card are being charged ILLEGAL interest on their accts EVEN THOUGH THEY ARE PAYING OFF THEIR PROMO BALANCES IN FULL AND BEFORE THEY COME DUE! ( this cr cd company is MAKING MONEY on UNSUSPECTING CUSTOMERS via a few dollars here and there being charged ILLEGALLY, and going 'unnoticed ' by customers ... who do n't think to look because they know there is no reason for any interest charge to even be on their acct, if they have been paying off all balances in full and before due dates expires ) ... ..yet this co. continues to charge me after EVERY PROMO is PAID IN FULL AND WELL IN ADVANCE OF IT 's DUE DATE, in spite of my CONTINUOUS contact telling them they are charging me ILLEGALLY! No one should have to go thru this SAME ROUTINE EVERY SINGLE MONTH to get interest reversed when it never should be posted in the first place! They are obviously MAKING MONEY on people who have no clue they are even doing this! ... and for me, they are DRIVING ME INSANE to have to keep contacting them MTHLY to reverse interest charges that are ILLEGALLY Charged in the first place! PLEASE look into this Fraud! thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank # XXXX XXXX XXXX # XXXX I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. Here is my tracking number : XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shail not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer, I would like to know who did they talk to. 
How did they complete this investigation
Product: Consumer Loan

I am a victim of ID theft and have a case on file with the XXXX Sheriff 's Dept. Case # XXXX and with the FTC # XXXX. I am requesting documents related to this fraudulent activity under the Fair Credit Reporting Act ( FCRA ). This act states " A creditor or other business must give you copies of applications and other business records related to transactions and accounts that resulted from the theft of your identity, if you ask them in writing ''. I have confirmed this requirement with the FTC ( XXXX ) and the Consumer Financial Protection Bureau ( XXXX ). This letter is an official request for documents related to fraudulent applications related to the theft of my identity. On XXXX/XXXX/XXXX a fraudulent application for credit was placed in my name at Macy 's at the XXXX XXXX and I would like a copy of that application mailed to me at the address above in accordance with FCRA. This is a follow up to complaint # XXXX filed with the Consumer Financial Protection Bureau on XXXX/XXXX/XXXX
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 1681. 


XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX US DEPT OF EDXXXX : # 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # 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
Product: Credit card or prepaid card

I have XXXX XXXX from Synchrony Bank since XXXX. I did not use the card at all in the last year, as I did not go for shopping because of pandemic. When I used the card the year before, I always paid all of my debt on time. 
In XXXX, bank reduced my credit limit less than half, without any pre-information. I understand that they have the right to change the credit limit based on my credit score and payment information. However, I do not have any debt to this credit card, to any credit cards, and I have " excellent '' credit score.

I used to have " excellent '' credit score. This all of a sudden reduction of the limit reduced my credit score 31 points! A significant reduction! I am in the process for buying a car and such reduction on my credit score will not be helpful. 
When I sent and email to the bank to inquire the reason of the reduction, a generic email is sent to me saying that they can reduce based on my payment history and credit score. But, both are not applicable to my situation. When I called them, they told me because I have not been using my credit card for a year! This has not been written on any part of the statement that I have to use my credit card! Ridiculous! They also told me that they could increase my credit limit if I ensure them that I will use my card! Is not it a thread? If I will not use my credit card they will keep my limit low and therefore my credit score will go low. 
As I said, because I am in the process of buying a car, I had to ensure them that I will use my credit card and they increased my credit limit to {$5000.00}, immediately. But, I also ensured them that I will complain about this, which I am doing now. 

If this is a common practice, I would be very happy to be informed. If this is not, then, I believe you will handle such misbehavior of the financial company.
Product: Debt collection

XXXX XXXX XXXX XXXX is a debt collector reporting to my credit bureaus claiming a fraudulent account. XX/XX/XXXX I sent them a request via certified mail informing them this account does not belong to me and requesting removal as well as any documentation they have. They refused to reply whatsoever. After researching their company I found they are not licensed to collect debts in the state of Massachusetts. I am a Massachusetts resident. Massachusetts XXXX Laws, Part XXXX, Administration of the Government, XXXX XXXX XXXX XXXX XXXX, Chapter XXXX, Section XXXX : ( a ) No person shall directly or indirectly engage in the XXXX in the business of a debt collector, or engage in the XXXX in soliciting the right to collect or receive payment for another of an account, bill or other indebtedness, or advertise for or solicit in print the right to collect or receive payment for another of an account, bill or other indebtedness, without first obtaining from the commissioner a license to carry on the business. 
XXXX Collections is illegally attempting to collect without a license. 
In XX/XX/XXXX I sent them a XXXX Demand notice informing them of my demands for the removal of the account from my records. They failed to reply. In XX/XX/XXXX I sent a third and final notice informing them they are attempting to collect on a fraudulent account, in violation of the FCRA and in violation of numerous federal and state laws. They again refused to reply or correspond in anyway.