23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pinncle, LLC/Resurgent Capital  services only provided temporary relief from my previous CFPB complaint.  Pinncle, LLC/Resurgent Capital  services did not address or provide relief for account number #  XXXX  Reference number #  XXXX . Again I never established a contract with this company. Furthermore you indicated that the debt was made in   XXXX   which means the stature of limitations are in question. A bill is not a contract and a bill does not validate that I do not owe you any money and again my character is being defamed. Again I the the Fair Debt Collection Practices Act is in violation.
Product: Credit reporting or other personal consumer reports

I filed a complaint to the credit bureaus regarding inaccurate items on my credit report. Until now there is no action regarding to my complaint.
Product: Credit card

Synchrony Bank is decreasing my credit limits and closing my accounts because of errors on a credit report from XXXX about a collection agency from XXXX. I contacted XXXX and the error was removed from the credit report. Synchrony Bank has impacted by credit score incredibily. However, Synchrony Bank continues to use the old credit report. Everytime, I file a complaint with the XXXX my account is closed or credit limit decreased from Synchrony Bank afterwards.
Product: Student loan

My Son and I applied for a college student loan with Discover Student Loans because they have displayed/promote on their website viable rates as low 2.99 %. I have very good credit of XXXX and the lowest they gave was 6.5 %. I 'm not new to student loans because I have XXXX older Sons in college with private student loans also and I know what to expect. I think it 's a scam and dishonest to promote such a low rate when it 's really not available ( 'bait and switch ' ). I went with XXXX XXXX XXXX loans because I received a substantially better rate, Substantially!
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to Experian and to XXXX XXXX XXXX XXXX and notify them of their error posting of information on my report. The account is truly wrong. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persist on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXXXXXX XXXX  XXXX
Product: Credit card

I have a XXXX card from a company called Upgrade, who is a subsidiary of XXXX XXXX XXXX. On XX/XX/XXXX around XXXX XXXX  I logged into my account to check my balance and make a large payment on my account. As I was looking at my account activity I realized that the payments I have been making are being deleted from my account activity. When I first logged in my balance was around XXXX  XXXX on an account with a limit of XXXX  XXXX, and as I sat and refreshed my account the balance began to increase each time, the past due status was increasing by days and the cash back bonus was going more and more negative. At last check this morning, XX/XX/XXXX they show my balance to be {$53000.00} and that my account is past due by XXXX  days. Keep in mind that up until yesterday my payments were all showing up on my account, and ALL payments have cleared my bank account. Furthermore, my statements from this company show the payments and I also have confirmation emails of all my payments. I have called them at least 8 times in the past day and this morning. I am continually being told that I need to " calm down '', " be patient '', and allow them to figure out what the issue is. I have included multiple snips of my account balance increasing all day yesterday and today, I have included an email confirmation of a payment from XX/XX/XXXX and I have included a snip from my account activity showing where that payment is not showing up.
Product: Credit card or prepaid card

Chase Credit services, closed my account with no objective reason. I have not had a late payment with them. Always followed all the rules. Ive been a Chase customer for more than 5 years. I received a letter stating that they are closing ALL my account with fictitious reason ( to many other accounts with different institutions opened ) I dont think Chase can discriminate in such a way agains customers using other services except their banking services. Ive written to their execute office multiple times and did several calls. The so called executive sovereign department is like a unreachable institution for the regular chase customer. They take your request through a phone service and then you wait and wait for their blessing. Ive offered to send bank statements and other docs to prove that Im a good payee etc.. But to no avail. I request ALL my accounts to be immediately reopened and alll likens of credit restored.

Thank You!
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Etrade Brokerage  refuses to refund my deposited funds. I will attach a letter with all the details.
Product: Payday loan, title loan, or personal loan

I originally had an issue back in XXXX 2017. I had to file a better business bureau complaint which ca n't be pulled up since time frame has passed. It has been fine but now once again same exact issue. I make my payment, I get a confirmation page saying payment went through, funds were available for them to take and they even sent an email stating your payment has been received. The following months bill says I am late and then they added a late fee. Unfortunately I am in such a financial bind that I pay on a credit card then I make my payment with them. I figured out back in XX/XX/XXXX which card it was and they never attempted to even charge my credit card. Last time I paid it and I believe they waived the late fee. They caused me to even go over my credit limit back then and yet again they are doing it to me. I even take a picture of the confirmation page stating thank you for your payment. At this point I want my account closed with a {$0.00} balance.somehow it seems to me that this company is trying to do something shady. They do n't even report to reporting agencies except if you are late or do n't pay. If I would have known it was building my credit like a XXXX account I would have never opened it to begin with and now this, they had there one free chance with me and still had to put a complaint back then with the better business bureau and was n't resolved completely and still obviously has n't. They do n't even contact you after sending email stating received payment advising that payment did n't go through or had a system issue. No contact at all. Also I would request that you earn consumers about this company as I feel they are fraudulent.
Product: Debt collection

On XX/XX/2019, I received a rather generic style letter from XXXX XXXX. It states they have been notified that my mother passed away and further state they are trying to locate the person who has the authority to pay her outstanding bills. 

My mother had no estate. She had about {$1500.00} in her checking account at her time of death that was a XXXX in my name. The amount went to pay for her cremation expenses. She had no other assets. Moreover, no one is responsible for paying her bills. Only she was legally responsible for debts incurred in her name. 

I am asking that DCM cease sending letters to this address immediately. I have read online reviews of this company sending this out to people, then saying they owe money without stating who the debtor is or the dollar amount.
Product: Credit reporting 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. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Debt collection

To Whom It May Concern : I am writing due to the negative marks you've made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it's not mine and there's no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were th goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor.

Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 
Letter of sale or assignment from the original creditor to your company. I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Debt collection

Contacted me today, Monday XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. EST. stating that he was looking for someone else, and that my telephone number is associated with the individual. I informed him that his call is unlawfull, to contact others regarding a specific individual and notifying them that they have a recovery agent calling regarding the debt ( s ) of another. I did record the call, as I live in a state that recorded telephone calls are permitted, and lawful. At the end of the call, the agent called me a " XXXX ''. That is also on the recording. The alledged recovery agent is from PORTFOLIO RECOVERY SYSTEMS, stating that they are located in the state of Kansas. Another agent refused to give e a location at all.
Product: Mortgage

My previous mortgage company XXXX received Payments from the North Carolina housing assistance fund but never applied the funds to my account. Then they transferred my mortgage to Shellpoint mortgage who says that I owe them the missing approximately {$20000.00} and is threatening to foreclose. They both have defrauded North Carolina. I have and have given Shellpoint the wire Transfer ID numbers from NC and Shellpoint says it's working on it. I also have the local XXXX XXXX working on it as well as XXXX XXXX office working on it. These companies are foreclosure companies first and mortgage servicers last and should lose their licensing. They'd rather terrorize me than exert themselves in any way to resolve the matter. They seem to be working on it now while also threatening foreclosure. I was supposed to resume payments in XXXX of this year but they said not to because it would be considered a partial payment and they couldn't accept it. The same thing happened in XXXX then they sent a default letter including legal fees in XXXX. Now it's the first of XXXX and no resolution yet but we do have a phone appointment for Friday XX/XX/XXXX at XXXX with Shellpoint. Thanks
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : DEPT OF EDUCATION/NELN XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I noticed that my Coinbase account was restricted from making purchases. When I looked further, it was because they erroneously believed that my account owed them {$350.00}. This was an issue because I still had virtual currency in my account, and was now no longer allowed to liquidate it or to transfer money out of my account. As such, on that day I emailed Coinbase support. 

Coinbase support then got back to me, saying to verify my account. I verified my account. Then, they got back to me saying that I was wrong, and that I owed them money. I called customer support, and they looked deeper into my account, and asked me to send details from my bank statements to prove that I do not owe them money. I complied with this. They then said that this would be escalated to a specialist to be resolved, on XX/XX/XXXX itself. 

For the next 6 months, they continually ran me around, giving me various answers, and continually asking me the same questions regarding providing details and evidence that I did not owe them money. I continually did so. All correspondence is included in the attached email. Continually, they said that I owed them money, and when I explained and proved I did not, they continually said it would be referred to a specialist, and it never was. I have provided them with bank statements with highlighted transactions and highlighted refunds related to Coinbase ' double charge issue and all of the transactions balance out to {$0.00}, not the negative {$350.00} that they are claiming, but despite this evidence they have not even tried to rectify the situation. 

Recently, on XX/XX/2018, they took the step of liquidating {$65.00} worth of litecoin from my account, and seizing those funds, without decreasing my outstanding negative balance by such. Currently, they still have a negative balance of {$350.00} on my account, and are threatening to try to seize even more funds. No matter how many times I try to rectify the situation, or provide them evidence to support my case, it is continually disregarded. It has been over one year since I first reached out to them, and they have still not provided me with any answer or even attempted to resolve my situation.
Product: Credit card

Multiple fraud charges and fraud team tells me to speak to the dispute department. there has been no updates on my claims and fraud and dispute departments keep transferring me back and forth with no update. This has been going on for over a month with no resolution or letters showing any outcome for these claims on charges I did not make with my credit card.
Product: Payday loan

Cashnet USA keeps debiting my Savings Account and causing me undue hardship because everytime they do that it cost me {$30.00} ; They initially charged me {$220.00} and now they want another {$220.00} ; they keep playing games and having different people call me to make verbal arrangements ; they sent me an e-mail with an offer and I sent them a counter ; then they sent another person to call me to record me but, I did n't make a verbal agreement. I have the documentation to subtantiate my complaint. They keep changing the payment arrangements and due dates to keep me paying them longer and more money
Product: Debt collection

Received calls for past three weeks starting XX/XX/XXXX from Nationwide Recover systems. First contact I verified information and asked to send me letter so I can validate debt. They continued to call but never received letter they said would send out. Today XX/XX/XXXX received 2 calls. First collector to call was ok but explained that I never received verification of debt from the company. I explained that will not pay until the company has sent me the documentation, as I clearly and repeated DO NOT CALL ME until they can verify was sent. I ask him to put me on companies internal do not call list. The collector then acknowledge a politely ended call. About 39 minutes later get 2nd call from same company same number to collect on debt. After 5 minutes of speaking collector terminated call. At this point it is harassment and they refuse to send information requested and are in violation of the DNC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the JPMCB CARD accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

( JPMCB CARD XXXX, JPMCB CARD XXXX )