23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call at work from a XXXX XXXX with Zenco at XXXX EST on XXXX XXXX, XXXX. He claimed he was with the legal department and needed to speak to my HR manager in order to set up a wage garnishment. I then began asking questions about the supposed debt. He stated it was from a repossession from XXXX and the debt was over {$6000.00}. I told him that neither that amount of money, the repossession or his company was on my credit report. I also told him several times that he was not permitted to call me or talk to anyone at my place of business. He again said he was the legal department and told that I can not tell him how to do his job. He then said that if I wanted to take care of this now, I could give him the amount I knew I could pay, the give him a post dated promissory check that had to be collected before the end of the month. I asked him for something in writing and that I was entitled to have something regarding the debt mailed to me. He claimed they already mailed a settlement and that now I will have a judgement against me. Again, there is no judgement or anything from this company on my credit report. I told him again, that if he wanted me to speak with him, I needed something in writing. He said he would email me, but only if I told him how much I could pay. I said that I would not accept email and to mail me proof of the debt. He refused. I then asked for his name, XXXX XXXX ( as I told you 5 times already, clearly you do n't listen ) -he told me that. Then I asked for his company name, which I needed to ask for many times before he told me. I asked for the phone number and he rattled this off so quick that I was able to confirm it based on caller ID.I then asked for the case number and he refused to give me anything of that nature. I said to please mail me something and he proceeded to tell me I was being indignant and rude and hung up on me. He then called back, I answered the call and he was getting extremely aggressive with me telling me that I will be in big trouble if I do not cooperate with him. I repeatedly told him to mail me something and that he was not permitted to call my place of business to which he responded that he can call anyone or anywhere that I am located and he will speak to my HR manager and get my money taken away from me. I repeated the note to not call my place of business and to mail me something as I know I deserve that. He did not ask for my personal number and only once confirmed the address he had. He then stated, " put me through the your HR manager and you are going to be in big trouble young lady ''. I put him through knowing that his tactics were inappropriate. I am reporting him as he was harassing, threatening and using multiple scare tactics to get me to pay him.
Product: Credit card or prepaid card

On XX/XX/XXXX someone called American Express and frequently used my information to try and open a credit card on my name. American Express ran a credit inquiry. I called American express the same day I discovered this in XXXX of XXXX and they promised to withdraw the credit report within 90 days. I have since called a minimum of 6 times, only to be told to have patience and that they will withdraw this credit inquiry. 
As of today, XX/XX/XXXX, the inquiry still shows up when I log in to my XXXX account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I reached out to XXXX  because they had locked money in my account that my friends had paid me over time because they saw it as suspicious XX/XX/XXXX I get an email back claiming that I had violated the user agreement. They told me that they could no longer offer me any XXXX  service. They allowed me to transfer the funds into my bank account that my friends had paid me, but it lead to me having to close my account. The total was between XXXX $ that had been collected from paying for friends food or being the one paying for events or gifts. 

XX/XX/XXXX, after a few months of trying to troubleshoot and get an unfrozen XXXX  account I simply decided to close my account and make a new one. 

Between then and XX/XX/XXXX, I was still unable to be paid or transfer money on this new account so I emailed support again and was told I violated the terms and services again even though I was unable and never did transfer any money. 

Today I reached out again because I am taking course in school that utilize XXXX  for payments of trips or plans we make and the company will not allow me yo contribute to these so I have to utilize other resources which is a lot of work and problems.
Product: Debt collection

I XXXX XXXX at this current moment is submitting a complaint that i currently have Regional Acceptance reporting on my consumer report of an alleged debt they claim i owe an amount of {$16000.00}. I do not owe this debt and i will not entertain with paying this debt. Please be advised that Regional Acceptance is in violation of the FDCPA 15 USC 1681b ( 2 ) which clearly states that no debt collector shall not state that such consumer owes any debt in which they are currently violating. The account information that Regional Acceptance is currently reporting to the consumer reporting agency is false and misleading and is in violation of the FDCPA 15 USC 1692e. I have sent a letter to Regional Acceptance regarding the alleged debt they claim i owe and i demanded validation of debt they claim i owe in which they have failed to provide which is a violation of the FDCPA 15 USC 1692g. Regional Acceptance is civilly liable {$1000.00} per violation for the damages they have caused and not complying with the demands that has be requested that they have failed to comply with 15 USC 1692k ( a ) ( 1 ). Please be advised that Regional Acceptance has also committed several violations and my right to privacy 15 USC 6801 ( a ) and violated 15 USC 6802 ( e ) ( 2 ). Regional Acceptance did not have written instruction to furnish this information and has also committed a violation of 15 USC 6802 ( 6 ) ( a ). I demand that this account be removed from my consumer report immediately as Regional Acceptance has committed many violations of my consumer rights under the FDCPA. Regional Acceptance shall not assume people do not no their rights as a consumer against the illegal activity thats being committed by them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account # XXXX To Whom It May Concern, This is my third and final attempt to have the blatantly inaccurate and unacceptable information corrected on my credit report regarding the XXXX XXXX account ( # XXXX ). My previous requests, sent on XX/XX/XXXX, and XX/XX/XXXX, have been ignored, which constitutes a clear violation of my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). 
Let me make this crystal clear : if no action is taken immediately, I will proceed with legal action and escalate my complaints to all relevant regulatory authorities.

Account Details High Balance : {$20000.00} ( all bureaus ) Last Verified : XX/XX/XXXX ( TransUnion ) ; Not verified ( XXXX and XXXX ) Date of Last Activity : XX/XX/XXXX ( TransUnion ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) Balance Owed : {$18000.00} ( TransUnion ) ; {$17000.00} ( XXXX and XXXX ) Payment History : TransUnion and XXXX : Incorrect 30-day late payment reported for XX/XX/XXXX. 
XXXX : Incorrect 30-day late payment reported for XX/XX/XXXX. 
Clear and Unjustified Errors Nonexistent late payments : My account has been current and without delinquencies. The reported late payments are false and entirely unsupported by facts.

Inconsistent data : The dates of last activity and the balances owed vary across the bureaus, further proving negligence in ensuring accuracy.

Failure to investigate : Per 15 U.S. Code 1681i, you are legally required to verify and correct disputed information, which has not been done.

Legal Violations By failing to correct these inaccuracies, you are in direct violation of the following laws : FCRA ( 15 U.S. Code 1681i and 1681s-2 ) : It is illegal to report inaccurate information and fail to correct it after a dispute.

TILA ( 15 U.S. Code 1666b ) : Creditors are required to provide billing statements at least 21 days prior to the due date to ensure timely payments.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Your failure to act is unfairly penalizing me and harming my creditworthiness.

Demanded Resolution I am demanding the following actions immediately : Removal of the false 30-day late payment notations for XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( TransUnion and XXXX ). 
Written confirmation that these corrections have been made and accurately reflected in my credit report.

This is your final notice : if this matter is not resolved to my satisfaction within 15 business days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursue legal action for violations of my federally protected rights.

Publicly document my experience on consumer advocacy platforms and social media to highlight your failure to comply with federal laws.

Treat this letter as your last opportunity to resolve this matter amicably and avoid further escalation.

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

Need to delete the following inquires off my 3 major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX Customer Operations & Others, Your recent response in regards to Account Number : XXXX, including the payment history and verification, fails to address the core issue of inaccurate credit reporting and provides no sufficient proof to support the negative marks on my credit report. Despite your attempts to justify this, it is clear that your reporting of late payments for the months of XXXX, XXXX, and XX/XX/year> is inaccurate, misleading, and violates FCRA 1681s-2 ( b ).

Key Issues with Your Documentation : The payment history you provided shows that payments were not made on time due to your failure to act within the 90-day grace period, and the fact that these payments were " made by XXXX with account closure '' only proves your negligence in handling the account. This is a misrepresentation of the facts that has directly impacted my credit standing. 
Your statement regarding payment reminders being sent to my email does not constitute verifiable proof of delinquency. Simply sending reminders does not meet the legal requirements for accurate credit reporting under FCRA 1681e ( b ), which mandates the highest level of accuracy.

Reporting late payments when you closed the account and made payments on my behalf is not only misleading but also potentially fraudulent and a clear violation of federal law. 
Demands : Given your continued failure to address this issue with valid proof or a legitimate explanation, I demand the following actions be taken immediately : Immediate Removal : You must immediately remove all negative and inaccurate information regarding my XXXX Credit Builder Loan from all credit reporting agencies ( TransUnion, XXXX, etc. ). Your documentation does not support the claim of delinquency, and continued reporting is in violation of the Fair Credit Reporting Act. 

Cease Reporting : Until this matter is fully resolved, you are required to cease all reporting of this account to the credit bureaus. Failure to do so will be considered willful noncompliance and further damage my credit profile unlawfully. 

Legal Consequences : Your failure to act within 7 Days of receiving this email will result in immediate escalation. I am prepared to take the following steps : Initiate legal action for damages caused by this inaccurate reporting, seeking remedies under FCRA 1681n and 1681o, including statutory damages, punitive damages, attorney 's fees, and other associated costs. 

Conclusion : This is your final notice before I escalate this matter through legal channels. Your documentation is inadequate, and your reporting is in violation of federal law. I expect a full written confirmation of the removal of this inaccurate information from all credit bureaus within 7 days, or I will proceed with legal action without further communication.
Product: Student loan

I have federal loans with Mohela. I have been paying my loans on a IDR plan and I am currently in Public Service Loan Forgiveness ( PSLF ) program to get my loans forgiven. Now on XX/XX/2024. I received a correspondence letter from Mohela about my student loans going into Forbearance process status. I never contacted Mohela asking for my loans to go into forbearance, they just did that on their own. So because my loans are in forbearance my payment no longer count towards my PSLF which is now causing a huge delay towards loan forgiveness. I sent a message to them stating that I would like to take my loans out of forbearance. I get another letter from them stating it can take up to 90 plus days to get processed out of forbearance.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX and financed it through Capitol One Auto Finance through their loan # : XXXX. In their letter XX/XX/XXXX, I was instructed to complete and return to Capitol One the Fraud Questionnaire and Affidavit of Fictitious Account. I did not return these completed items to them. This vehicle was repossessed from me while I became XXXX, with my personal belonging in the vehicle from XXXX XXXX on XXXX XXXX  XXXX, XXXX, CA. XXXX. A view of the property security footage with the motel XXXX showed that my vehicle was towed away at night by a tow truck by multiple men. My location and vehicles were discovered by Capital One the evening before because my niece, XXXX XXXX XXXX ( XXXX ) asked me about my well-being and location on XXXX. I filed for XXXX XXXX bankruptcy relief in XXXX, Nevada through my Attorney, XXXX XXXX under case # ; XXXX. I received my XXXX XXXX Bankruptcy discharge on XX/XX/XXXX. Capitol One was listed as a creditor. I held Capital One banking accounts, secured and unsecured credit cards, that were closed because of the fraud XXXX 's suspicions of towards me and my accounts. I was a student at the University XXXX California, XXXX during XXXX and my student accounts were affected. I fell into financial hardship when my place of employment suddenly closed, XXXX XXXX XXXX causing me to file a California Unemployment Insurance Claim. The claim benefits were deposited into my accounts at XXXX  XXXX XXXX and XXXX XXXX, they were often placed on hold or otherwise made unavailable until my accounts were closed or afterwards. I was also experiencing health problems at this time, I was a patient of XXXX XXXX XXXX. I was diagnosed with XXXX XXXX  Disorder on XX/XX/XXXX. The riverside Police Department directed me to contact the FBI because of my Identity Theft and file a IC3 report. I appeared at the FBI XXXX, California XXXX and was told by XXXX Agents that my case did not meet the FBI threshold and filed my complaint with XXXX, spoke with the XXXX XXXX XXXX Attorney 's victim 's services XXXX and filed for their services.
Product: Credit reporting or other personal consumer reports

I just got my credit report and noticed some hard inquiries don't have permissible purpose according to 15 USC 1681b. I also attached a copy of my credit report. Can you please investigate these hard inquiries below 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 XXXXXX/XX/XXXX They have violated my federal rights as a consumer.
Product: Credit card or prepaid card

I made a series of purchases with a Synchrony Bank Care Credit card, all of which were made over the course of three weeks in XXXX of XXXX. 

All four purchases were promotional purchases made with a deferred, no interest charged due date. When I made these four purchases, at the same place of business, no one at any time explained anything about the following, nor did I receive any phone call from Synchrony explaining the following, nor is there any information on any monthly statement I've received from Synchrony concerning the following. 

Upon receiving my XX/XX/XXXX statement, I noticed that the previous payment, instead of being focused on paying off one or both of the promotional purchases that were coming due in XXXX of XXXX, that the payment was spread out among all four promotional purchases. I had established within my budget a series of payments I was going to make to pay off the purchases whose promotional dates were due in XXXX of XXXX before any deferred interest charges were applied. 

I called Synchrony 's CareCredit card phone line and talked to both an operator and a supervisor on XX/XX/XXXX. It was during this phone call that I had explained to me FOR THE FIRST TIME how the payments on these promotional charges were actually being applied, that in fact any payment I sent in would be spread out among the four promotional charges and that I could not specify that they be made to just one or the other. Both the operator and supervisor stated that this was bank policy and that they could not change it. 

This is a deceptive practice that is in violation of the CARD Act of 2009, and an agreement that was made by Synchrony Bank to the CFPB in XXXX on this very practice. 

I have sent a letter to Synchrony explaining that I want my XXXX and XXXX payments to go exclusively toward the two promotional balances that come due in XXXX of XXXX, and that I was issuing a complaint over this to CFPB as well. I will attach the letter in .doc format to this. I can also send a hard copy of this letter to CFPB if necessary, along with a copy of my monthly CareCredit card statement if necessary.
Product: Credit card or prepaid card

NAVY FEDERAL CU at XXXX XXXX XXXX XXXX, VA XXXX XXXX has been sending me collection notices in the amount of {$12000.00}. 
The collection has been reported as pasted due balance. I do not know this company. 
I have never done any business with this company. This company does not have a contract with my signature. i would like this item remove from my account completely.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer XXXX Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXXXXXX XXXX in XX/XX/XXXX under account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX and a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report and all collection activity related. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs 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 are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company Inquiries : 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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX with false and inaccurate information.
Product: Checking or savings account

A few weeks ago I work up to my checking account being negative {$220.00} due to a XXXX charge of {$360.00}. I called immediately once I found out as I was unaware of this charge and I received no notification. Because of this charge I got hit with 3 NSF fees which was credited back to my account. However I already had pending charges on their prior to being notified of this charge and I was charged an additional 4 NSF fees. I've been on the phone for hours trying to get this resolved. I found out it was from an old checking account I had from XXXX. However i never received any notification that this was going to be charged to my account. I found out the notification was sent to an old address. My concern is that you have records of my new checking account which is attached to my new addesss however you sent the notice to my old address why? If I was properly notified I would have made sure there were funds in the account. Also you had access to charge my new checking account yet u couldn't send the notice to my new address? I feel that you just decided to charge me this after having this account open with you since XXXX so you can make money off of the fees. I have no problem paying for that charge but I'm very upset that I had a total of 7 NSF fees because of this and only 3 of them were waived this is ridiculous. I also received a copy of the notice finally and it has a date on the letter of XX/XX/XXXX and in the letter it says my account will be charged on XX/XX/XXXX. How is this notification? I'm requesting that you review the situation and waive the remaining 4 fees please thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX, XXXX, and Equifax in XXXX, XXXX and XXXX to dispute fraudulent items I found on my credit report by mail. I got my dispute results on XX/XX/2022, XX/XX/2022 and XX/XX/2022 stating the items were accurate and verified. I have also received an email saying the information was validated. I requested they provide me with their method of verification and if not, they need to update the information to paid on time. I have not received any documentation from either agency or the original creditor that proves I gave them written consent to anyone to furnish these items on my report and if the creditors state that I gave them written consent it was only due to an uninformed decision, and I was not given proper disclosure of my rights under the Gramm Leech Bliley Act.