23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

COMPLAINT DESCRIPTION My debt was with XXXX XXXX, an attorney at law in XXXX, KS, on which I was making payments. I have included a document where it informs me that this debt has been transferred to XXXX XXXX XXXX, PA, along with all the payments I have made to them. I called the number XXXX XXXX XXXX provided, was transferred to an associate named XXXX, and was told to keep making the same monthly payments but send them to their address. I copied every statement with the check attached, the date, and the new balance after each payment. Then, in late XXXX of 2022, they sent a letter demanding an amount that had increased more than the original amount they said I owed back in XXXX. I have not missed a payment, and my bank confirmed they did deposit the checks. I'm in my XXXX and on a fixed income. I hope you can help. 



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Product: Credit card or prepaid card

I had a XXXX procedure done at the XXXX XXXX for {$850.00} back int he XXXX of 2019. I was not happy with my XXXX and submitted supporting documents to Barclays/XXXX and they sent me letter that I won the dispute and credited my account the {$850.00}. A few weeks later, they illegally overturned the dispute. I contacted the office of the President and she promised to return my call, which she did not and I have attempted to call her to no avail. This is now affecting my credit score/report. This is now in litigation for the excessive damage done to me.
Product: Debt collection

WENT TO HOSPITAL FROM SERVICE. XXXX. FILL OUT PAPER WORK AFTER RECEIVING COST FOR XXXX BEFORE ANY SERVICE PEFORMED. I DECLINED SERVICE. ( TEXAS DBET STATUE OF LIMITATION 4YSRS ). DEBT FILED XX/XX/2012 BY XXXX HOSPITAL. ( SOLD TO XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been interacting with XXXX XXXX regarding a closed account. It seems that every time I try to make any calls to XXXX XXXX regarding one of their products, I keep getting transferred to different departments. The calls are very annoying and it has caused some issues with my credit cards and credit score. Recently, it appears that they reported some information to Experian regarding the closed account on my credit card. Apparently, they reported that I had agreed to some sort of lump sum payment- which is incorrect.
Product: Payday loan, title loan, personal loan, or advance loan

I have a refund loan check in the amount of {$6000.00} in check form from the tax office. I took the check to my bank ( chase ) I have been with them for over 3 years. I was told there was a hold and restriction on my account now saying there is a problem with verification, however they cant explain why there was an issue with the verification process. I was told by a chase supervisor over the department that has the restriction that I need to contact the issuer and have the issuer contact chase in order to have my funds released. Today is XXXX. It was deposited yesterday on XXXX and they told me I would have to wait til the XXXX of XXXX and that I still would need the restriction lifted to even use the funds even if they get deposited.
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPLE IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern I recently received a copy of my consumer report ( Experian, XXXX, XXXX ) and I noticed that it is reporting my experience with your company. 



The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. 





Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSION Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) - subject to section 1681s-3 of this title, any - ( i ) reports containing information solely as to transaction or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES Transactions or experiences between the consumer and the person ( creditor name ) making reports is not to be included on my consumer report!

Utilization is an experience with the lone of credit that was extended between me, the consumer and the person ( creditor name ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC1681a 2Ai by reporting this transaction or experience ( utilization ) on consumer reports which congress clearly states IS NOT included on my CONSUMER REPORTS You have 10 calendar days to update my utilization score to 5 % or below and or delete all utilization from the below 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 Failure to respond satisfactory with deletion of the above utilization score, will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of character Negligent noncompliance Civil liability Mental anguish Fair credit reporting act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance 15 USC1681n
Product: Debt collection

I have contacted capital one bank about validating an alleged debt on two separate accounts. I asked capital one to provide me with the actual accounting of he alleged debt, verification of their claim against me in the form of a signed invoice, a copy of the contract with two-signatures, binding the both of us to said contract. 

Capital One has failed to send me these documents of validation, after being put on notice, numerous times. Their inability to provide these documents is grounds for dismissal and the full discharge of any and all alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit reporting agency an FTC ID Theft Affidavit over week ago along with proof of identification. After following up to confirm receipt, I was informed by a representative that my Driver 's License was illegible and that I needed to resubmit. I then uploaded the required documents again and then followed up a couple of days later. Since then I have spoken with several agents and have received several conflicting instructions including one that told me to re-upload and confirm receipt two hours later, another that gave me a fax number to send it to, which I did. I was then later told by another agent that Experian doesn't have a fax #. So, at this point, I keep getting different information every time I speak with someone new and my issue has yet to be addressed.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a letter I received from XXXX XXXX in regards to a data breach that XXXX XXXX was made aware of on XX/XX/XXXX. My personal information was compromised by the data breach. The following inquiries viewed by others currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized, not my inquiries and is the result of the data breach : 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 and XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Comenity is blocking XXXX  from removing a fraudulent account after receiving disputes with a police report attached.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX 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: Debt collection

My home number XXXX is called repeatedly by debt collectors. Commonwealth Financial calls, asks for XXXX and then hangs up. They do not identify themselves. I had to call the number back to get the name of the company. 

I am not XXXX. I do not know XXXX and have never known any XXXX 's. I have had this phone number since 2003.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts & Inquiries on my report that DO NOT BELONG TO ME : Accounts XXXX XXXX XXXX - {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - {$3500.00} Opened XX/XX/XXXX XXXX XXXX XXXX - {$1700.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

US Auto sales went out of business back in XXXX of this year XXXX an now a debt collector called westlake portfolio management are calling me telling me that Im behind on my payments an that if I dont pay they are going to reposes my car..Ive paid over {$3000.00} for my car an Ive had my car for a year an Ive never been late on my payments I got my car XX/XX/XXXX
Product: Mortgage

Due to the Covid19 health crisis. Myself and my wife lost our employment on XX/XX/XXXX. We have a home equity loan with Citizens Bank. and they have no plan in place to work with customers. I was offered a 90 day deferment. This Home Equity loan was written in XX/XX/XXXX and was a non verifiable loan and is a loan that was typical of bad loans written back in the XXXX to XXXX banking crisis that collapsed the banking industry. I have contacted Citizens bank multiple times and requested a lower interest rate to make this loan more affordable and more reasonable. I spoke with XXXX from the office of the chairman in XXXX of XXXX and i was promised a list of things and nothing has been adhered to. I was also promised a loss mitigation package and Citizens Bank failed to mail me out loss mitigation information.Nothing Citizens bank promised they would do has been adhered to. Nothing!!! We are still unemployed, in a financial crisis and can not return to work because NYS has not implemented a reopening process in my geographical area.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have maintain 30 years of great credit and 2019 suffered life altering injures from combat which placed me in a 100 % XXXX. Between the years XXXX, we where establishing me within the VA, Social Security and transitioning from workforce into the XXXX world, all my bills, and life where upside down. I reached out to the establishment and explained the situation and was informed that others where dealing with COVID-19 pandemic and we worked on maintaining our relationship. Even under my tough circumstance, I paid without looking for an easy way out!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I have never done business with Synergetic Communications INC. I do not have a signed contract with Synergetic Communications INC. On XX/XX/2018 Synergetic Communications INC contacted me via us mail trying to collect on a debt in which I do not owe them. It is impossible for Synergetic Communications INC to collect a debt without a written contract and also to try to collect on a debt which is past the statue of limitations in the state of Texas. Texas law requires 4 years for collections on repossessions. Synergetic Communications INC has been sued multiple times for trying to collect on debt that is past the statue of limitation date. If Synergetic Communications INC places this erroneous debt that they can not collect on onto my credit I will pursue legal action. Synergetic Communications INC does not have my permission to contact me by email, phone, or is mail.
Product: Mortgage

I have my current loan for my1st house with XXXX XXXX XXXX ( Loancare ). I have been paying promptly my payments for the past 2 years. In order to get rid of my PMI, I have been following their instructions and as per they letter, it states : " If you would like to pursue a cancellation of PMI based on the current value of your property, an appraisal is required to determine if your LTV has reached 80 % or less ''. I have requested the appraisal, paid for it, and the LTV is now at 79 % for the past 4 months. Since I didn't have 2 full years of loan payment, they have asked me to contact back in XXXX ( never understood this, but anyway ). I have contacted them, and now they state over the phone : since you had an appraisal done, the LTV has to reach 75 %. On a new letter sent to me they are advising me I need an appraisal and LTV has to be 80 % or less. I have asked a few other brokers and accountant and they have never heard of the 75 % and have advised me to contact you. Also, this keeps dragging for over 4 months now and despite email communication, complaint about their services and phone calls I am still waiting for a proper answer. I really would like to understand my rights and since when once an appraisal is done I need 75 % of LTV, especially as this was never required in any of their letters. Thanks
Product: Checking or savings account

Navy Federal Credit Union : Account number ending with ... XXXX I had a fraudulent charge happen to my checking account ending in... XXXX. I have spoken with Navy Federal Credit Union countless of times about the fraudulent charge that happened since I been XXXX. I been XXXX  since XX/XX/XXXX of XXXX  and currently still is, viewing the information that I sent to Navy Federal Credit Union will see that this transaction was fraudulent. I have sent them all the verification that I can and my account still haven't been reopened and it's been over a year now.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Removing Inaccurate Inquiry from Credit Report Dear Consumer Financial Protection Bureau, I am reaching out to seek your assistance regarding several inaccurate inquiries on my credit report that I have disputed with Equifax. This Inquiry is associated probably with XXXX and XXXX XXXX  attack on my behalf, which I believe was the result of identity theft or misunderstanding. Despite my efforts to resolve this issue directly with Equifax, the XXXX XXXX  inexact inquiry remain on my report, negatively affecting my credit profile. I kindly request your help in erasing these inexact inquiry to ensure my credit report reflects accurate and fair information. Thank you for your attention to this matter and for your support in protecting consumers like myself. 

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

I DO NOT ACKNOWLEDGE THESE INQUIRIES : XXXXXXXX XXXX XXXX  I DO NOT RECOGNIZE THIS ACCOUNTS XXXX XXXX XXXX XXXX Date Opened XXXX  Account Number XXXX
Product: Debt collection

Just received a letter from XXXX Service collecting for a local hospital. Debt is for a person with almost the same mane ( person that owes debt has different middle initial and living at a different address ). Also, some of the hospital visits are for a period when I was out of the country working for a company in XXXX XXXX. Just notified via mail. Individual is XXXX years younger than myself and has had trouble with the law in the past XXXX previous debt/restitution )
Product: Credit card

I am presently in a debt settlement program. One of my accounts in the settlement program is with JP Mortgage Chase. Chase relentlessly called me at home and on my cell phone at work. I was instructed by my debt settlement company to send a letter to Chase to cease contacting me by phone and especially by cell phone since I was not allowed any calls at work. I sent the letter around XXXX/XXXX/15 Certified / Return Receipt. I stated that I wished to be contacted either by email or home address only not by phone. I received the return receipt dated and signed on XXXX/XXXX/15. However, the phone calls continued ignoring my request to cease by contact by phone /cell phone at work. JPMorgan Chase has now turned my letter over to XXXX XXXX a collection agency which has called 3 to 4 times a day on both my cell phone and home phone. I received a letter from XXXX XXXX dated XXXX XXXX, received XXXX XXXX but I starting receiving these calls prior to receiving this letter. I am in the process of trying to settle my account with JPMorgan Chase. My next step is to contact this collection agency to stop harassing me by phone. But, I doubt that will end. Since, this XXXX XXXX has many complaints against it for its debt collections practices. But, I wanted to file a complaint with the CFPB regarding the 3 to 4 calls a day since XX/XX/XXXX and now into XX/XX/XXXX. I was informed that these collections agency may call you once a day. If this is true then is XXXX XXXX in violation of Fair Debt Collection Practices Act?
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX  XXXX XXXX, XXXX  XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a message saying my loan has been approved from XXXX XXXX and XXXX  located at XXXX XXXX XXXX in XXXX NY. When I called them I was told I had to pay {$200.00} before I could get the money.
Product: Checking or savings account

On XX/XX/XXXX, PNC Bank paid a check to my account for {$270.00} which caused my account to overdraft. My account does NOT have overdraft protection. The check should have been returned unpaid. PNC then required me to make a deposit to the account to cover my negative account deposit. Also, this check was not a valid check since I did not sign it or authorize it. Attempts to recover the {$270.00} from the bank or the payee have been unsuccessful.
Product: Mortgage

I have been trying to apply for a mod or some other workout option since late XXXX. I started with XXXX XXXX. This person strung me along telling me I would be approved after months of doc requests and telling me I would be approved he said they could not approve it. I could have come up with the money had he just communicated with me. I called and emailed many times with no response. Then i started it again with another Loss Mitt specialist and she has done nothing to help but to ask for same docs over and over and when i submit then they ask for letters of explanation regarding the items i submitted. It is not rocket science. Make my loan my affordable. Due to post Covid inflation, Fed rate hikes my industry ( mortgage ) was completely shut down in terms of volume and originations. Please help. I do not want to lose my home. I have a family of XXXX with XXXX XXXX.