23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received correspondence from Fco in an attempt to collect a debt. Fco has themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. 
No dunning notice was provided and I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid:1. Full original account number2. Date original account opened3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt3. Consumer address at which original account was opened4. Date of first delinquency5. Itemized calculation of alleged debt 6. Original signed  contract between myself and this creditor, not a copy. 
7. A copy of all payments made with beginning and ending balances 8. original creditor. 
If Fco is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX MI, XXXX Absolutely no phone calls from Fco in any manner other than permitted I will cease all communication ( invoking my legal right to request fco to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Mortgage

Im filing this complaint against XXXX XXXX XXXX Servicing On XXXX XXXX i contacted XXXX XXXX XXXX XXXX in which XXXX picked up the phone. I asked XXXX did I have an over draft on my account in which she stated no. So on the XXXX XXXX i wrote them a check for XXXX and on XXXX XXXX i got a letter from Bay view saying there was an over draft on my account after i wrote the check on the XXXX. So on XXXX XXXX they sent the check through for XXXX dollars but on XXXX XXXX they charged my account for XXXX which made a grand total of XXXX. I contacted XXXX XXXX on the XXXX and talked to XXXX and which she stated XXXX XXXX was in charge of doing things. I talk to XXXX on the XXXX and he said i would have my money back friday or Monday and here it is Tiesday and i still didnt receive my money. The lady i talked to gave me a tracking number for fed x but the tracking number do not go to anything it says a label has been created but has not move towards my door.They charged my account for XXXX dollars and XXXX XXXX will not return my calls I do not know his position but its not profressional for him to do that. Bay view owes me a total of XXXX XXXX dollars for the check and XXXX dollars in over drafts. I live from check to check and Friday morning i had XXXX dollars in my account i have been broke all week. XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Synchrony Bank/ Venmo is in direct violation of the Fair Credit Reporting Act [ 15 U.S.C 6802 ( a ) ] Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. ( b ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( c ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option, by reporting negative information without notification and consent of consumer.

Synchrony Bank failed to inform Principal that it would be reporting principals personal non public information to a third party, and failed to get principals permissible purpose. 15 U.S.C 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. 

Synchrony Bank unlawfully reported negative non public personal information regarding transactions and experiences to three CRAs violating Principals rights under FCRA. Principal is demanding that all negative non public personal information transactions and experiences be removed immediately under the afore consumer mentioned rights and laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

address on my personal profile is not mine
Product: Debt collection

I reached out to Pro Collect regarding a collection matter from an former apartment agency. I first never received the bill to tell me the amount. I was altered of the bill when I checked my credit report. I contacted the company agent and supervisor are rude and threatening. Did not negotiate the correct amount and attempting to overcharge the amount than what is actually owed. I was charged a reletting fee when I did not request a move out, I was asked to move out by apartment complex. As well Threatening behaviors by agents and supervisor.
Product: Credit card or prepaid card

I have a DISCOVER BANK CREDIT CARD which for the year XXXX - XXXX have taken out balance transfers BALANCE TRANSFER HISTORY : {$3900.00} Deposit into Checking DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. 
Promo APR 6.99 % Promo Expires XX/XX/XXXX {$7000.00} Deposit into Savings DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. 
Promo APR 0 % Promo Expires XX/XX/XXXX {$7000.00} Deposit into Savings DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. 
Promo : APR 0 % Promo Expires XX/XX/XXXX My problem and issue is this : I have two {$7000.00} Balance Tranfers that will be expiring their 0 % APR on XXXX and XX/XX/XXXX In order to off set the high Interest rate of 17.99 % that I will be charged when the 0 % APR expires. 
I took out another Balance Transfer on XX/XX/XXXX in the amount of {$3900.00} at 6.99 % for 15 months in order to pay off the oldest loan expiring on XX/XX/XXXX Much to my distress is upon requesting an update on my loans balances, I find out that Discover had taken the {$3900.00} payment that I send and applied the payment to the newest loan instead of the oldest loans. In essence they took the payment of {$3900.00} and paid off the new loan of {$3900.00} in full by XX/XX/XXXX. 

Here 's is the update of my Balance transfers owing : CHAT MESSAGE XX/XX/XXXX Hello XXXX! This is XXXX in XXXX XXXX XXXX. I would be happy to help you today with an update of your balances. The balance ( s ) disclosed is as of today XX/XX/XXXX Balance transfer - Expires XXXX XXXX, balance of $ XXXX 0 % APR Balance transfer - Expires XXXX XXXX balance of $ XXXX 0 % APR Balance transfer -Expires XXXX XXXX balance of {$0.00} - 6.99 % APR Here 's my Payment History : Payment Date ; Amount XX/XX/XXXX {$1000.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1200.00} -- This Payment was also applied right away to the loan of XX/XX/XXXX I have been notifying Discover Credit Department of their error in applying my payments. I have always understood that the oldest Balance Transfer will be paid first. 
I believe that they have deceived me and dishonored their agreement by taking my payments and paying off a loan which they agreed to give me 15 months to pay back. This will give me undue stress when I have to start paying the high Interest after XX/XX/XXXX In order to resolve this issue is for Discover Bank to honor their agreement and apply my payments to the oldest loans first. 
Thank you, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, XXXX notices some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint report the info I am not familiar with. 

Please find attached a copy of my I.D . The FTC complaint, a copy of the NPB report showing my information being exposed in a national database and a Validation of debt Letter.
Product: Money transfer, virtual currency, or money service

My wife and I wanted to travel to  XXXX ,  XXXX  for  XXXX  of   XXXX  . My wife is Peruvian and all of her family is there brothers, sisters, mother, and father which she has n't seen for many years. So we decided to plan a trip myself, wife and my daughter for the holidays. A mutual friend recommended a travel agent she has used once. Thi s Travel  agent lives in  XXXX ,  XXXX  the reason we decided to go with her because she found tplane ticket for a very good price especially for during the Holidays I was surprised she got them so cheap. Anyway we went ahead with the purchase and used a company called  XXXX  which is owned by  XXXX . I sent {$590.00} from my account and my wife sent {$1400.00} totaling {$2000.00}. What happened is just horrible first we never received any plane tickets and did n't travel my wife was very upset and sad by this as was I. So we began to contact the travel agent and she never responded we called by phone, or  XXXX , and also  XXXX  we tried many ways to communicate but we got no response. So I put in a claim with my bank Chase and they told me they ca n't because I would have to go af ter Xoom, So I did I followed all the procedures that Xoom requested and they investigate  d  for about  XXXX  days and they denied my claim of fraud their reason is because I authorized the charge well of course I had to authorize the charge in order to receive a product worst customer service they do not care about you or what happened. I called  XXXX  many times and all I get is getting put on hold for hours on end most times I could n't sit on the phone so long because no one would pick up. I asked xoom to give me their main corporate office and they said they have no phone number to give me. So I called  XXXX  because they own them and they are just as bad as xoom kept on hold and the run around. So I decided to call my bank  XXXX  to get more info and  XXXX  told me to go after the bank they used for the transaction which is  XXXX   XXXX  Bank so I did I am taking them to small claims court to try and get my money back. We worked so hard and long saved what we can to make this trip and just to hear from thes e four major companies and not one wants to return our money is very frustrating and exhausting especially for me a stay at home dad taking care of my daughter with medical issues on top of that having to run after these companies and hearing lie after lie. I have followed all the procedure that they requested even went to the Police Department to file a complaint and it 's still not good enough. All we want is our money returned to us by either Xoom ,  XXXX , or  XXXX   XXXX   XX/XX/XXXX .
Product: Debt collection

Acct Name : CAPITAL ONE Acct Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

Per the terms listed on the Bridgecrest.com website, in order to submit a request for name change, please fax a copy of your marriage license and government issued ID showing both your former and married names. 

I complied and faxed the documents and was replied via USPS that I needed a notary to verify my legal drivers license. Bridegecrest continues to report my payments and account to the credit bureaus in my maiden name which is no longer valid. 

Again, calling to ask why my name hasnt been updated, the rep claimed that my marriage license hadnt been received. I have a digital fax service which verified the pages were received. I faxed additional copies of my drivers licenses and marriage license requesting a 2nd, 3rd, and 4th time via fax and forwarding the faxes to email and they remain ignored. 

I want my legal name reflected on my loan account and it to be updated as such.
Product: Money transfer, virtual currency, or money service

On monday, XX/XX/2025, i was contacted about a crashpad in which i would be renting a room in an apartment. I am a XXXX XXXX, so basically its a joke away from home when im on call. The alleged XXXX XXXX asked me to send a deposit of {$190.00} to reserve my bed for XXXX and to send it to her daughter XXXX XXXX in XXXX. Once I sent the deposit I was then blocked by XXXX. This has never happened to me within the 6 months of me being a XXXX XXXX. Ive contacted Bank of America about being scammed but I was told I may not get my money back.I also had my friend reach out to them and my friend was blocked as well
Product: Checking or savings account

I rented a vehicle from XXXX XXXX on XX/XX/2020 to XX/XX/2020 for a total of {$370.00}. By the morning of XXXX/XXXX/2020, XXXX had charged me {$870.00} ( including the agreed upon {$370.00} ). I immediately notified my bank that these extra charges were not authorized by me, and that my account needed to be blocked from any other charges being made. They immediately froze my debit card from being charged any further. Next, I called my auto insurance company, XXXX XXXX XXXX, to have them help me dispute the charges that XXXX was claiming against my bank account. XXXX failed to honor their obligation to our auto insurance agreement. I then contacted Citizens Bank Customer Service phone number ( XXXX ), and explained to them in further detail what transpired with XXXX XXXX. The Citizens Bank associate told me that they could dispute the overcharges by XXXX XXXX, and that XXXX XXXX XXXX failed to provide good of services. I was advised that I could dispute all charges on my bank account made by XXXX XXXX XXXX, which totaled {$1100.00}. The total of {$1600.00} is being disputed on my bank account against XXXX XXXX and XXXX XXXX XXXX simultaneously. Multiple Citizens Bank associates had told me that the total of {$1600.00} in disputed charges would be provisionally credited to my account multiple times. I have only received a credit for {$200.00} out of the {$1600.00}. After weeks of calling to gain insight on the current status of my dispute, I was repeatedly told someone would call me back ( never received a call back as they had said I would ). Later, an associate of the claims department and the bank manager at my local branch assured me that I would receive the remaining {$1400.00} into my bank account by XXXX/XXXX/2020. I still have not received anything except for the {$200.00} credit on XXXX/XXXX/2020. I have spent the last 45 days trying to recuperate the overcharge from XXXX XXXX and failure to meet services by XXXX XXXX XXXX. When I attempted to visit the Citizens Bank Branch at XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX to resolve these disputes, I was refused service and called a XXXX ( I'm of XXXX decent ). On XXXX/XXXX/2020, XXXX XXXX from the Office of the Chairman at Citizens Bank, sent me a letter in acknowledgement of the racist behavior I experienced at the behest of a Citizens bank associate. As I mentioned, it has been 45 days of being told I will be contacted, repeated requests for me to submit the same documentation, and empty promises of credits to my bank account being restored. At this point I do not feel as though they have honored my rights as a consumer of a financial institution and see no resolution in sight.
Product: Mortgage

My wife purchased a condo prior to us meeting and having children, which she used as her primary residence for five years. The mortgage has XXXX separate loans which are serviced ; XXXX an interest bearing note through the bank, the other a XXXX County Housing Authority financed down-payment assistance loan to County-level employees ( my wife was a teacher at XXXX XXXX ). US Bank services both loans. The Occupancy clause of the mortgage note only required 1 year of occupancy as primary residence, which has been satisfied. The down payment loan agreement with the County, separate from the mortgage note, requires the property remain a primary residence. After getting pregnant with our second child, we had outgrown the property and had difficulty with the condo as it is on a second floor. We could not sell the condo as it was seriously underwater, so we continue to make timely payments and rent and maintain the property. The bank has been sending letters threatening foreclosure if we do not reoccupy the property, refinance, or pay-off both of the notes. There is connection in the mortgage note with the Housing Authority loan, and furthermore we have been in continuous and constructive contact with XXXX County officials. They have been aware of our situation and are understanding considering we have been always paying in a promptly manner. XXXX County has indicated that US Bank does not have the authority to enforce terms of the Housing Authority loan, the bank only has authority to service the loan. From our understanding XXXX County is trying to solve the communication situation between the County and the bank. To date, we have received a number of letters, and when we contact US Bank we are provided little to no useful information and have been finding it exceedingly difficult and unnecessarily stressful. We have always paid on time, and felt that renting and maintaining the property was a better option than abandoning the property. We have contact information, as well as numerous correspondences from XXXX County and US Bank if requested. Thank you for your time and assistance.
Product: Debt collection

AWA COLLECTION IS REPORTING A DIFFERENT AMOUNT IN MY CREDIT REPORT EVERY MONTH. BALANCE IS INCONSISTENT. WHY IT IS ALWAYS VERIFIED IF THEY CAN NOT EVEN REPORT AN ACCURATE INFORMATION. THIS IS A VIOLATION! SEE ATTACHED EXAMPLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm trying to buy a home in the area I just moved to 6 months ago with my family. My credit score is excellent for XXXX, XXXX and equifax. I always keep my credit reports locked. I am able to unlock both my XXXX and XXXX report, however, I am not able to unlock my equifax credit report. This is blocking me from getting a new home loan. I 've called number after number from equifax, however, nobody will respond. 

XXXX XXXX XXXX XXXX This is effectively locking me out of the credit market and not allowing me to buy a home because all conventional loans require a 3 credit report review. Help! 

Equifax needs to be able to unlock my credit report so I can get a loan.
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. 

The letters are stated with items and issues. 

XXXX5 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: Mortgage

Thank you for helping me. Seterus continues to apply my on time/early house payment to principle, then charge me late fees. This is a habitual problem. The XXXX, 2016 house payment I wrote on the check and on the statement " XXXX House Payment ''. Seterus applied my payment XXXX XXXX, 2016 to ... ..you guessed it ... .the principle, again. When Seterus called I I said, " MY BURDEN IS TO PAY ON TIME. SETERUS ' BURDEN IS TO APPLY MY PAYMENT PROPERLY AND ON TIME. '' This is constant and ongoing. They have not reversed and corrected it. They are fining and feeing me to unbelievable proportions. I continue to pay on time and they continue to miss apply my money. My burden has been met. They are charging me fees for I do n't know what because I do n't pay late. They are careless and reckless when applying my mortg payment. Can you help? XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$4500.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$3500.00} Account Name : XXXX XXXX XXXX Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$15000.00} Account Name : XXXX XXXX XXXX Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$44000.00}