23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX- {$30.00}XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX- {$30.00}XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX- {$30.00} XX/XX/XXXX - {$41.00} Asked reporting agency to validate debt by providing copies of original statements/ signed contracts. Company failed to provide such information. I also requested a copy of letter explaining they were attempting to collect as I never received one copy. Reporting agency stopped answering my calls and emails. I also contacted their client and requested for them to send me a copy of original invoices for which the stated they didn't have any available, I never received these invoices and went on a weekly basis to this place for therapy and they failed to inform me I owed anything as I have insurance that should have covered these charges. Reporting agency is also reporting several different accounts for the same issue. The first time I learned about the collections was in late XX/XX/XXXX, I had to call the reporting agency as I never knew this was on my credit report.
Product: Vehicle loan or lease

XXXX XXXX We received a letter stating that if we payed XXXX that would pay off my truck. 

I was making payments on it and also keeping in contact with them. 

Then we received another letter XXXX XXXX stating that if we payed XXXX it would be payed off. 

when I talked to someone about this they thought the car was not in my possession. 

when I spoke to them and brought up the situation from XXXX they told me that all my payments have been collecting interest and I still owe XXXX So they told me all my payments from the time I purchased this truck have not been going towards my truck. If that's the case where have all my money been going. 

this is not correct at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX XXXX XXXX  Cease and Desist Request for Deletion of Collection Account Dear XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name. 2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a credit card with American Express on XXXX2021 and was denied a credit card. This is in violation of The Equal Credit Opportunity Act ( ECOA ).
Product: Checking or savings account

I have proof of all of the below : I paid {$750.00} to adopt a purebred cat from a breeder. The individual took the money from my account via XXXX and I never heard from them again and obviously never brought me the cat. I complained to Chase and I have been given the runaround since XXXX to now. 

Just today I was on the phone for 2 hours and they said my claim was closed. I have never received emails or physical mail stating that. Nor did they ever ask me for proof of my interaction of the cat breeder. So Im not sure exactly what they investigated. 

When I said I dont think theyre understanding me, the customer service laughed and said in a mocking way, haha, Im not understanding anything youre saying. This was unprofessional because I was clear and concise and do not have an accent but XXXX the supervisor from the Texas claims department at Chase certainly did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name # : XXXX XXXX  act # XXXX Balance : {$1500.00} Date : XX/XX/2020 Account name : XXXX XXXX date : XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights 15 U.S C 1681 section 602 A. States I have the nght to privacy 15 U.S.C 1681 Section 604 ASection 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency fi the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Hello, My student loan servicer is MOHELA and I reached XXXX qualifying payments at a qualifying employer in XX/XX/XXXX for Public Service Loan Forgiveness. I submitted my PSLF Certification and Application to MOHELA on XX/XX/XXXX and the form was signed and dated by me and my employer representative on XX/XX/XXXX. When I checked on the status of the form on the MOHELA website, the status shows " Duplicate Form '' and " A duplicate application was processed as Canceled. '' The form I submitted on XX/XX/XXXX is not a duplicate form. The last time I submitted a PSLF Certification and Application to MOHELA was on XX/XX/XXXX and that prior form was signed and dated by me and my employer representative on XX/XX/XXXX. The XX/XX/XXXX is a new form that MOHELA has not processed. MOHELA needs to process the XX/XX/XXXX form so that my XXXX qualifying payments are counted and I am able to get my loans forgiveness through XXXX. The form is absolutely not a duplicate form and was incorrectly cancelled. 

I am attaching my XX/XX/XXXX form and XX/XX/XXXX form as attachments. They are not duplicate forms, and cover different time periods of employment for the same employer ( XXXX XXXX ).
Product: Mortgage

I borrowed {$15000.00} on XXXX from Citifinancial. From XXXX until XXXX I paid them {$30000.00}. On XXXX ownership of my loan was transferred to XXXX XXXX XXXX XXXX, XXXX, d/b/a XXXX XXXX, not in its individual capacity but solely in its capacity as Owner Trustee for WF 19 Grantor Trust. This was after I called Citifinancial questioning them about balance owed. The servicing of my loan was transferred to XXXX XXXX XXXX XXXX on XXXX. {$190.00} has been taken out of my checking account monthly thru bank draft by XXXX XXXX XXXX - without any written confirmation on my part. I NEVER gave them permission to take money out of my account. Isnt this illegal? 
In the first part of the year XXXX, I saw a bill from Citifinancial where it showed me how they applied the last payment and it didn't look right. So, I called Citifinancial and spoke to several different people over the next few months. They were supposed to be sending me in writing how they had processed all my payments. I wanted them to explain to me several different situations. I want to know what the {$490.00} charged to misc. charges in different amounts dating from XXXX thru XXXX were for. I also want to know why the only amount applied to balance owed in XXXX was {$170.00} on XXXX. The next time anything was applied to balance owed was XXXX in the amount of XXXX, then XXXX on XXXX, then XXXX on XXXX. THEN nothing was applied until XXXX in the amount of XXXX. From XXXX to XXXX they applied a total amount of XXXX to balance owed. The last time I spoke with anyone I was told that my account had been SOLD to XXXX XXXX XXXX. I dont know where or to whom to turn to for help on this matter. XXXX XXXX XXXX bought a {$15000.00} loan that should have only been around {$3000.00}. On different occasions when I was unable to make a regular payment or the full amount due, Citifinancial would offer me deferments. I really did not understand what this meant, only that I did not have to pay it and they were not calling me and asking where my payment for the month was. I was told it would be added to the end balance of my loan. XXXX XXXX XXXX is now telling me that the 15 year Promissory Note is up and I need to send them the remaining balance in full. Which I can not because I do not have that kind of money.
Product: Credit card

Synchrony Bank closed all my accounts on XX/XX/year> without prior notice. The reason was that the " requested amount exceeded the limit set by our credit policy. '' They also stated that they can close accounts anytime for any reason.

I believe this action was unfair because : It has negatively impacted my credit score and financial stability.

No specific explanation of how my actions violated their credit policy was provided.

I was not given an opportunity to address or correct any perceived issues.

I had 6 different kinds of accounts with them. All of them were closed at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Product: Checking or savings account

Prior complaint made and closed : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 Here is the resulting problem : Cal Bank & Trust states to you that it is XXXX XXXX XXXX XXXX  responsibility. 
However, XXXX will not provide any information for me to deal with XXXX XXXX XXXX -- how does a non customer obtain recourse with the Bank who cashed the check without any ID?? 
Shouldn't you direct this original complaint to XXXX XXXX XXXX  instead of merely close it and leave me with no options? 
Aren't Banks supposed to have procedures to follow? I am being kept totally in the dark. I am being given NO COPIES OF ANY CORRESPONDENCE FROM XXXX TO XXXX XXXX XXXX  and simply am forced to take their word for it -- WHY? 
Why is this all kept secret with the customer in the dark? 
Who do I contact to make sure that a check honored with out ID is reimbursed to me?
Product: Mortgage

One XX/XX/XXXX, I received a letter from XXXX, XXXXstating that I had an escrow refund check issued in XXXX and it was canceled. I followed the instructions on the letter to fax a form stating to reissue the check. On the letter, it stated requests would be completed within 7-10 business days The form was faxed on XX/XX/XXXX. After sending several emails and leaving voicemails with the contact on the letter to follow up on the request, I did not receive any response. I then resorted to send a secured message through their website which got me the same result, no response. I finally was able to get in touch with someone through their customer service center, " we know it stated 7-10 days but we have received over 60, 000 requests '' and I should be getting a check now in mid XX/XX/XXXX. However they never would verify that the fax was even received. So I am not confident that mid XXXX will even be reached. 

If they knew the amount of requests was XXXX they should have known they would not have been able to meet the turnaround time-frame stated. Also, I am having a hard time believing that many customers did not receive or cash a refund check and am led to believe they never sent those checks thus trying to cover their tracks. This process feels deceptive on several levels.
Product: Debt collection

After leasing from a homeowner named XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, the XXXX XXXX ( XXXX XXXX now XXXX  ) continued to provide Electricity in my name in the amount of {$3000.00} dollars plus during the COVID EPIDEMIC. We requested that our electricity be shut off, but they failed to do so. The company also said that I made a payment of a little over {$1000.00} and the adjusted remaining balance was XXXX, but I never made such payments. I provided all documents providing my new location, school enrollment for my kids, paying electricity to XXXX XXXX  in XXXX, TN. Address of our new address XXXX XXXX XXXX in TN, but they were rude and failed to acknowledge my complaint of FRAUD. The company acted as if they could not understand what was going on and could not provide me with the details. The company also holds a XXXX $ deposit which I have never been reimbursed.
Product: Debt collection

I am writing to dispute the persistent presence of fraudulent accounts on my credit report, despite confirmation from the banks over the phone of the validity of the provided documents and their commitment to remove the accounts. These fraudulent accounts must be promptly removed in compliance with the law. 

Account in Dispute : XXXX XXXX XXXX XXXX!
Product: Credit reporting

No I have n't disputed anything with Experian because all the credit bureaus are doing the same thing. I just got a copy of the above report. It shows XXXX Inquiries, of which about XXXX of them I had no knowledge. I did n't ask for credit from anyone. I did ask for a lower rate from the XXXX credit card I have, XXXX XXXX. As far as " preapproved credit offers '' go I 've never in my life received a true pre-approved offer. These companies scan my credit to see if I 'm worthy of their solicitation. Then when I ask about it, they say now we have to run your credit to see if you " qualify ''. So there is NO firm offer of credit with those solicitations. They are using this ok from the government to look at my credit for illegal purposes. I have XXXX company that I am licensed with to sell insurance for that runs my credit whenever they feel like it. Yet, I am not given nor ask for any credit from them. This is outrageous. I want to make sure none of my credit info is given out to anyone without my knowledge or request. I 'm sure this practice helps enable the evil folks who want to steal identities!!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

First I was not told that it was a debt collector attempting to collect a debt on three occasions on the call. I was not mini Miranda. I was not told that the call may be recorded and may be monitored at onset violating my rights, in fact on the call from today I had to ask him are the calls being recorded and he said yes and I said why wasnt I told before we started talking and he said I was going to do that. Ive spoken to a woman about two weeks ago who I asked for documentation of what the debt was what it was for when it was delivered, where I made purchase, when, etc. I needed to know about my debtwas from 2014. Yesterday I got a call from a gentleman who is rude and pretty much accused me that the letter was sent and now this have to be resolved I told him I have not received the letter he belittled me and wanted and kept trying to close still no Marandas no asking me to verify something and was upset when I asked for a manager. I received no return call so I called them today since I did get the letter. The man said he was going to call me today. He asked if I was ( name incorrectI asked several times giving me my address. I said that isnt my namehe said if my name changed it doesnt matter ). now if it was not me he wouldve been giving out my personal information to a third-party these are all violations of the FDCPA now I got the letter it was a letter of representation and an offer to settle it did not provide me with the what the purchase was when was it delivered who was it too I mean I have no idea of what this is and now a different name??? OK well the gentleman today I said to him I was supposed to get a callback from a manager. I dont even know if the guy yesterday did try to get a manager he said my manager is busy Ill have him call you back he did not these people are using deceptive practices they are not advising correctly as far as the attempt to collect the debt mini Miranda and since I did ask for documentation and proof or validity of the debtThey refused they said the letter I got was all I needed thats not what I needed thats not what I asked for and today I told him if he cant acknowledge my rights I dont want them calling again and if they do I am taking this all the way up to the attorney general and getting a class action lawsuit I am a senior citizen and I expected a bit more concern and accommodation of my request for assistance. They were rude they were belittling they refused any assistance they raised their voice and they made me feel like some fifth class citizen you know Im getting old I need help sometimes in remembering this was from 2014 they took advantage of me theres no question about that. This was blatant deceptive violation FDCPA violations
Product: Debt collection

Credit Collection SVCS did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Inquiries : XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> Late Payment : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, ND XXXX Also Known As : XXXX, XXXX, XXXX  Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I consolidated 3 student loans that were being serviced by Nelnet. The loans had been under a forbearance in accordance with CARES Act COVID-19 emergency relief. On my credit report with each of the 3 bureaus, a code/remark was added : " Affected by natural or declared disaster '' and remained on the reports throughout XXXX. In XX/XX/XXXX, my credit score dropped by XXXX points due to the aforementioned code being removed from my credit reports by Nelnet. The 3 loans continue to be in forbearance in accordance with the emergency relief ; payments are scheduled to resume in XX/XX/XXXX after the relief expires in XX/XX/XXXX. The removal of this remark/code was triggered by my loan consolidation and with all other conditions remaining unchanged, this should not have occurred.