23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received a letter from Forster & Garbus LLP, a debt collector stating that I have to pay judgement due amount of {$42.00}, XXXX plus interest. They also sent a notice of garnishment from Marshal for total amount of {$63000.00}. They have been contacting my employer also. I do not know how they got judgment against me. I have not got any summon to appear in court. I took a student loan between the year XXXX from a private company to XXXX  XXXX  in XXXX XXXX. The company stopped paying the loan after one year and I could not pursue my study further. Probably, the loan company was closed or bankrupt. Because of incomplete study, I remained unemployed for many years. I do not remember the amount of loan, but it is far less than the debt collector asking for. In past, I received several letters from different debt collectors for asking different amount. I sent letters to few of them asking verification and copy of written agreement. I have not received any reply from them. I suspected inaccuracy and stopped responding the other debt collector afterward. I was afraid of scam. 
I would like the following information : 1. The name, address, amount, and account number used by the original creditor. The creditor contact address and phone number.

2. Provide verification and documentation. Provide copy of written agreement created my original requirement to pay. Provide promissory note with my signature.

3. State when the creditor claims this debt became due and when it became delinquent.

4. Have you made a determination that debt is within the statue of limitations and applicable to it? When the statute of limitations expires for this debt, and how you determined that?

5. Send me proof of summon with signature of the receiver. Proof of registered post by court.

6. A copy of the last billing statement sent to me by the original creditor.

The court judgement in favor of creditor is biased or based on misleading information supplied to court. The judgement is one sided favoring the creditor. You have all legal tools and access ; it does not mean that you suppress the weak and take advantage.

After receiving the above-mentioned information, I would like to make an informed decision about your claim. I would like involve regulatory authority and appeal in the court in this matter.

I shall be grateful for your favorable and helpful response.

Thank you. 
Sincerely, XXXX XXXX
Product: Debt collection

Northland group called me and I set up payment arrangements. For 3 years they have been taking money out of my account. In XXXX XXXX they told me my payment arrangement had ran out and that I had a balance of {$390.00} and I needed to call to make further arrangements. They had taken {$25.00} out for XXXX so I thought it was a mistake. I called them on XXXX XXXX and there was no answer so I figured since they took payment in XXXX it was nothing to worry about. They did take in XXXX so again I just assumed it was reinstated. In XXXX the company that has been taking money from the account took only {$10.00}. I called Northland group and they told me my account was moved and they have not had it since XXXX XXXX, XXXX. I told them they were still taking money form my account. I faxed them my bank statement, letters showing that the last payment they acknowledged was XXXX XXXX and the letter that I was to make new arrangements. I told them I never got a pay off letter from them and they said because it was sent back to XXXX XXXX XXXX. They also said it was not them taking the money out of my account because it did n't say their name. I called XXXX XXXX XXXX and they said it was paid in full in XXXX. My husband has to call to get a payment in full letter. I called XXXX and they gave me the number of XXXX XXXX XXXX who is responsible for taking the money out for XXXX XXXX. The phone number that the bank gave me was for a private person Who claims to know nothing about this. XXXX credit my account and then uncredited my account since this is over 90 days. In the meantime I had XXXX put a stop payment on XXXX XXXX on XXXX/XXXX/XXXX for $ XXXX.
Product: Money transfer, virtual currency, or money service

I applied to renew my driver license and DMV said they mailed to me at XX/XX/2023. But our communities mailboxes were broken in. I never received my renewed driver license. It was stolen. 

1. On XX/XX/2023, someone else wrote a fraud paper check, pretending to transfer money from one stranger 's XXXX XXXX account to my account. The Chase bank agent said the other guy used my driver license at one Chase local branch and then forged my signature, then cashed out the money. On XX/XX/2023, Chase bank system posted the " deposited item returned due to account frozen '', withdrawing money {$3700.00} from my account. I lost {$3700.00} due to the fraud activity. I got this lost recovered on XXXX XXXX, 2023 as Chase gave me reimbursement. 

XXXX. However, another same fraud activity happened on XX/XX/XXXX, the other guy used the same method writing a fraud check from another stranger 's XXXX XXXX account ( different from previous one ), forged my signature and used my stolen driver license to cash out the money. The Chase bank system withdrew my money on XXXX XXXX, 2023 saying " deposited item returned due to account closed ''. This time I lost {$3600.00}. I haven't got this part of loss recovered. 

2.1 As you can see, from XX/XX/XXXX to XXXX XXXX, 2023, the paper check record takes a long time to be posted. And the worst thing is that the local branch didn't perform solid verification and let the other guy cashed out the money from a fake check. 

2.2 It takes pretty long time for me to get a response from Chase bank investigation unit about my case of losing {$3600.00}, I have been waiting for more than 2 weeks. Each time they required me to send back more details/ documents then it is another week 's wait.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to Inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconveniece and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus has refused to correct /remove fraudulent and erroneous data from my report after several attempts and several months of disputes via certified mail, online and phone. 
They have also failed to provide me with sufficient evidence for these inaccuracies within the 30 day timeframe allotted by law. The most recent dispute was made XX/XX/XXXX. 

Erroneous data : all names other than " XXXX XXXX '' ( many incorrect spellings and middle initials reporting '' all addresses other than " XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX '' XXXX XXXX " late paymentXX/XX/XXXXXXXX XXXX XXXX ' late payment XX/XX/XXXX '' XXXX XXXX XXXX XXXX " late payments 4 years ago on closed account '' XXXX XXXX XXXX " open account of $ XXXX " ( account closed as report states } Fradulent data : all Inquiries XXXX  " open account $ XXXX " XXXX, Equifax and XXXX have experienced security breaches. Therefore, it is in their best interest to correct this matter as it is adversely affecting me. My next and final step in this matter will be litigation. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019, I stopped by the XXXX XXXX showroom in XXXX, MD to look for a new bed. As I and a sales representative walked the showroom floor, I spotted 2 types of beds. I asked the representative, " how much is this beds? '' She scanned both of the price tickets, walked over to the computer and looked up the one bed I was must interested in by the item number. Based on the computer 's price, the bed listed at {$770.00}. I then asked, if they have credit. However, I also made it clear, I wanted to put down some money ( {$300.00} ). 

As we walked over to the counter, the sale representative informed the cashier, I was interested in their credit plan. Unbeknown to me, the cashier had called some telephone number, spoke to someone on the phone. I then spoke to the person who instantly says, " I've been approved for {$2500.00} and a credit card will be sent to me, I then stated, " wait a minute. I did not ask for a credit card. '' I was then informed, in order to get the bed, I had to get the credit card. Of course, I was never, ever informed about the interest rate of the card. Later, I received an e-mail notice from one of the credit bureau, XXXX. 

XXXX informed me, some company had pulled my credit. I never authorized any credit bureau to release or to authorize pulling my credit report. In fact, my credit report is locked to keep any company from pulling my information which leds to my credit score being lowered. I am not happy that some company named SYNCB, XXXX XXXX XXXX, XXXX, XXXX XXXX, or the fact that XXXX   allowed any company to access my credit information without me unlocking. Not acceptable!! 

What is this complaint about? 
XXXX XXXX did not disclose the terms of the credit card, or what is the interest rate. Also, XXXX breached its duty to protect my credit report, by allowing a company, SYNCB to access my credit information. ( My credit information is locked. Without me unlocking my XXXX account, my personal information should not been released. ) What type of problem are you having? 
Not know, what the interest rate is on the credit card. 

What happened? 
Uncertain as I do not have the bed. 

What company is this complaint about? 
XXXX XXXX, XXXX and SYNCB. 

Who are the people involved? 
XXXX XXXX, XXXX  and SYNCB
Product: Debt collection

On XX/XX/XXXX, I received a letter from GC Services, reference to City of   XXXX Taxes. Dated back to XXXX. After receiving several telephones calls I told GC that I do not owe this and Sent a certified on XX/XX/XXXX to validate the debt. I have not gotten a response as required by law. This debt is past the statute of limitations and is not collectable. This ompany is knpwn for violation the Fair debt Collection practices. 
XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX  XXXX - XXXX {$3500.00} XXXX XXXX XXXX {$0.00} XXXX - XXXX {$230.00} XXXX XXXX - XXXX {$580.00} XXXX - XXXX {$320.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX  - XXXX {$970.00} XXXXXXXX XXXX XXXXXXXX - XXXX {$1300.00} XXXX - XXXX {$510.00} XXXX - XXXX {$0.00} XXXX XXXXXXXX - XXXX {$0.00}
Product: Debt collection

Keep getting a call from this number, before it was XXXX XXXX XXXX, I had it blocked and now they have changed XXXX number to call me. I see other complaints online from this number and the XXXX. Can I sue?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. CAPITAL ONE XXXX Balance : {$0.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/21 about inaccurate information in my credit report. I have never done business with the company for the account in collections. I have no paperwork or documents because this isn't my account. I have never been contacted by a collections company either by phone or mail because this is not my debt. It was not brought to my attention until I applied for a home loan. I filed the dispute with Experian about the negative reporting by XXXX XXXX. This either has to be identity theft or the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an initial dispute regarding XXXX not applying a Forbearance on my loan as I requested which resulted in them reporting my loan 90 days past due. I spoke with a representative with XXXX who pulled the call and stated the representative was unclear on the call but confirmed I asked for a Forbearance. I filed a dispute with Experian and XXXX, XXXX refuse to remove the 90 day late but also reported me 90 days past due for XXXX when I'm in a forbearance starting XX/XX/2023.
Product: Student loan

I have student loans being serviced by MOHELA. I have been paying my loans down every month for many years, even when a payment wasn't due, always on the first of the month, in order to minimize the compounding interest. When I attempted to do so on XXXX XXXX, I was met with a message saying my account was still in transition to a new website. I checked back daily, only to receive the same message. I filed a complaint with the Federal Student Aid website, to which I have never received any response. 

When I was finally able to access my account on the new website roughly a week later, I found that my interest had not been paused. While this was frustrating, and I intended to try and address it, I tried to pay it off, just to slow the accrual. I found that the link to do so wasn't working, so I was unable to pay. The cycle started again, when I logged in every day to try and pay, and was unable to do so. I tried messaging them through their website, and received no response. 

I was finally able to get through to their customer service line on XX/XX/XXXX. When I explained the issue to the customer service agent, she informed me that MOHELA was aware of the issue, and that payment had been down for everyone for over a week, and would likely be down for at least another week while they tried to repair it. I asked if my interest was being compounded during this period. She stated that it was. I asked if those of us affected by their system 's issues would be refunded our interest, given that the fault was not on us. She stated that we would not.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Starting in XX/XX/2022, I have sent multiple letters to XXXX, Experian, and XXXX regarding an incorrect name on my reports. Nearly 6 months later and that name has not been removed. 

If any erroneous and/or derogatory accounts are added to my reports under this name, it will have a massive impact on my credit scores. For this very reason I have been trying to resolve this directly with the bureaus, with no luck and NO RESPONSE. 

I find this completely unacceptable and may result in pursuing legal action if this is not remedied IMMEDIATELY. I have attached a screenshot of the personal information on my reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent certified mail to Transunion. I have yet to receive any response from this credit reporting agency. The letter I sent included a copy of my driver 's license, FTC Identity theft report, copy of my social security card, copies of bills with proof of address, and letter with items that should not be reporting on my credit report. Based on the identity theft report alone, these items should be deleted. The other reason that these items should be deleted is because TransUnion has exceeded the 30-45 day time frame that is their legal time frame to respond or delete what's in the letter. Please make sure that TransUnion deletes these items from my credit report. I also sent letters to XXXX, and XXXX and the investigation has not taken place. Please, remove the items listed in the letters to those organizations as well. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off that keeps reporting different amounts to each of the credit companies the account name if safco. I have disputed this account multiple times and nothing seems to be getting resolved and different amounts are still being reported on my credit file.
Product: Money transfer, virtual currency, or money service

I am a XXXX account holder with my account ID [ XXXX ]. According to the email you sent in 2022, my account was suspended for suspected high-risk activities and promised that I would be able to transfer the account balance to my bank account 90 days after the freeze expired. However, nearly XXXX years have passed since then, and I still can not withdraw funds from my account and have not received any substantive reply. 

I have tried to contact you and your customer service team several times over the past few months, and every time I get the reply " the case is being upgraded, wait XXXX days ''. However, during this time, I have never received any email from your company, nor have I received any further progress information. My case seems to be on hold. 

I urge you to fulfill your original promise to unfreeze my account and transfer the funds to my bank account. Please provide a clear solution and timetable so that I can know what to do next. 
Your referenced account has been reviewed by our Account Services Team for high risk activity. Were sorry to inform you that weve had to deactivate your account on XX/XX/2022. Following this review, it has also been determined that funds will be held indefinitely. 

Due to security reasons and the obligations of our agreements with card networks and other financial institutions, we can not reverse this decision and are unable to provide additional details. 

For further information about our policies, you can review Sections XXXX and XXXX of the Payment Terms.
Product: Credit card or prepaid card

Was recently issued a new Credit Card by Synchrony Bank that replaced my expiring card. My account was current, never late and I was a long term customer The experation date was XX/XX/25. I tried to use the card twice and the purchases were declined. One purchase was for a car battery. I was left in the lurch. I called Synchrony and they indicated that the account was closed due to inactivity. 

I received no written, telephonic and electronic notice that my account was endanger of being closed due to inactivity.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ). This account have resulted in a fraudulent chargeoff appearing on my consumer XXXX credit report. I attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, chargeoff, as reported. The aforementioned account, chargeoff appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, This is a follow up to my previous email in regards to my claim with XXXX XXXX. I spoke with the Leasing Manager XXXX XXXX at XXXX XXXX XXXX. She states and she proves that I was NOT in unit A as stated on the letter sent to XXXX XXXX. I am still not understanding why the charges were deducted to {$160.00} if I have proven I was did not live in room A. Also, according to 15 U.S. Code 1681b Permissible Purposes of consumer reports it states that a consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with WRITTEN instructions of the consumer to whom it relates. I do not recall giving any companies any type of of instruction to have these things on my credit report. They also need to prove that they have written instructions that I gave them permission to report this on my report. This is defamation because you are reporting negative items that's been making me seem like a irresponsible person. I take my credit and character very seriously. Please remove from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act convergent account number 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: Mortgage

Hello, We are calling about multiple issues where we have been unable to get resolved from Amerihome. I have asked for a supervisor to return a call and this has not occured. I will list each issue below. ( Today, XX/XX/XXXX, I I spoke to XXXX in Customer Service XXXX 1. Amerihome agreed to participate and accept a payment on the behalf of the State of Illinois for a past due balance on the account. One of the provisions to accepting the payment, Amerihome was to waive all late fees on the account. This amount was {$470.00}, As of XX/XX/XXXX, these fees have not been waived and according to a representative they will not waive the fees. 

2. I mailed a payment which was sent priority, Amerihome received the payment on XX/XX/XXXX. Tracking number XXXX XXXX XXXX XXXX XXXX XXXX. This payment was to take care of mortgage payments XXXX XXXX. On XX/XX/XXXX, I was told the payment would post on XX/XX/XXXX, and as of today XX/XX/XXXX, I was told Amerihome has not received the payment. 

3. Lastly, after receiving a letter that there was a amount that was a surplus in our account, Amerihome would retain that amount because the account was delinquent. Since, the mortgage has been paid up until XXXX, and I asked for an escrow analysis. The representative informed the escrow analysis would not be done until XXXX. So, the excess monies that are held will not be released until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor UPSTART NETWORK INC. has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.