23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I canceled my auto insurance with XXXX in XX/XX/XXXX, then they sent me a closing bill covering the final month of coverage which they informed me I would not be charged. I believe it was XX/XX/XXXX I noticed a collection from AWA Collection service and I contacted them regarding collection and they said it was for XXXX ( XXXX XXXX XXXX XXXX ). I contacted XXXX and they could not find any collection for me. I recently saw on my credit report the collection is still there and it showed the reason my score was lower and AWA added to the balance. I do not owe any funds and they are not removing the false charge and they are adding to the alleged amount owed. I hope you can help, my credit score is near 800 and I must keep it there, I always pay my bills, but I do not owe this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX Late Payment from XXXX XXXX XXXX  Late Payment from XXXX XXXX XXXX Late Payment from XXXX XXXX XXXX  XXXX Bankruptcy I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is in direct violation of my federally protected rights under the FCRA pursuant to 15 USC 1681. All three credit bureau are reporting inaccurate information to my credit report hindering me from moving forward with obtaining credit. The company XXXX XXXX is reporting a charge off with a past due balance which is a direct violation of FCRA rights. A charge off can not have a past due balance. When a debt is charged off to someones name the original company receives a tax break for the full amount of said debt. Also, When a auto loan goes into a default the FDIC pays out the bank threw insurance for said debt. XXXX XXXX has received more than original amount owed on the vehicle including all the money they originally received from me. This debt is also longer than 7 years old. Arizona statute of limitations for debt is 6 years. All Intern making me no longer liable for this debt under the FCRA guidelines. This account is also violating my consumer reporting rights. Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove the account from my credit report immediately. 

Account name : XXXX XXXX XXXX XXXX  Account number : # XXXX
Product: Mortgage

I received correspondence from Mr. Cooper about the lack of disclosure for the negative escrow. They conducted the assessment and closed my escrow account, without providing me with every detail to make n informed decision. I wasn't notified about the {$610.00} until after they stated that I only had to pay {$18.00} in XXXX to close the escrow. 

After reviewing RESPA, I know now that the negative amount for the escrow that wasn't properly assessed and disclosed, which was a hidden is a hidden cost ( fee ). This is a violation of RESPA. 

I have never reviewed my taxes because we had escrow for the entire loan. Since they paid it, i never worried about it until this year. They serviced the loan and didn't account for the {$610.00} when they advised me on how to close the escrow in XXXX and XXXX. 

Mr. Cooper isn't taking accountability for their oversight and want to pass their mistake onto me, the customer. 

I am reaching out again because Noone has tried to rectify this matter from Mr. Cooper. They have only sent transaction statements and the mandatory correspondence after I contacted the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act # numbers XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX have 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Navy Federal does not have a banking system or app that allows consumers to proactively manage their money. This inefficiency allows the bank to collect multiple insufficient funds or return check fees. I have been out of work and trying my best to manage my payments, but I can not seem to catch a break because transactions are not showing or being processed in a way that I can see and manage them. 

Last night I had over {$300.00} in my account at XXXX XXXX, so I sent {$120.00} via XXXX for a payment for a service I received because the account said I had the money, and this morning my account was in the negative for {$90.00} because a bunch of transactions settled that weren't even pending. It's not fair to the consumer that there is no clear visibility on how transactions are going to be processed and feels like it's set up like that intentionally to maximize fee collection by the bank. 

The bank needs to put in place features that allow consumers to utilize their services efficiently, and not become victims to repetitive fees when they're barely staying afloat.
Product: Checking or savings account

This is a complaint against Citibank for grand larceny happened to my checking/checking plus account XXXX OnXX/XX/XXXXwas falsely enrolled with XXXX by compromising my profile- phone # and e-mail address. 
On XX/XX/XXXX and XX/XX/XXXX six transfers total {$4200.00} has been made to recipient XXXX XXXX at XXXX XXXX XXXX and to cover overdraft additional {$3700.00} has been transferred from checking plus to checking account On XX/XX/XXXX I found scam and called Citibank at XXXX and case XXXX was opened The same day on online message center I found info about all above mentioned actions. Message dated XX/XX/XXXX - date of first fraud - tells that Citibank " ... identified possible fraud ... have placed account in restricted status ... prohibiting from completing transactions on Citibank online ... until we speak with you. '' The fact is that nothing has been done -account wasn't blocked and no call or any kind of mail sent to me. 
Instead of real investigation on XX/XX/XXXX Fraud Department posted on line message that " ... we have concluded that the transfers must be considered authorized and as a result we ///unable to process a refund to your account. '' On XX/XX/XXXX police report was issued and subpoena sent to Citibank. Next day I called Citibank and requested extended investigation but I didn't get reference number. On XX/XX/XXXX after five months of waiting I called Department of Identity Theft at XXXX. The last agent I spoke with during 50 minutes call asked me to wait while he will take a look at this case but soon after that line was disconnected. 
Now I ask your help in real investigation as beside loss on checking account I pay off credit with interest for which I didn't apply and finally my losses would be around {$10000.00}. All talks with Citibank were done by my husband XXXX XXXX phone ( XXXX ) XXXX, whom I authorized to represent me as my spoken XXXX is weak.. All Citibank messages between XX/XX/XXXX and XX/XX/XXXX are at my disposition and may be provided to you.. 
With regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Money transfer, virtual currency, or money service

A. To pay a bill, I transferred {$850.00} to my Cashapp account on XXXX at XXXX B. I initiated a payment on XXXX at XXXX using my Cashapp account. 
C. Cashapp declined the charge indicating suspicious activity D. I contacted Cashapp via their chat feature to indicate the charge was made by me. 
E. Cashapp responded and indicated I should use another form of payment. 
F. I informed Cashapp that I'd just transferred {$850.00} to them and to transfer it back to my main banking account, would cost {$15.00}. 
XXXX Cashapp sent a generic response. 
H. If Cashapp chose to decline my transaction they should not force me to pay {$15.00} in order to transfer the {$850.00} back to my account today. 
I. This is a form of gauging the consumer. It's at the sole discretion of Cashapp to approve purchases but when a consumer has deposited money to Cashapp in order to facilitate financial transactions, if Cashapp chooses to decline the transaction- the money should be returned to the consumer without a fee or all of this emotional labor.
Product: Checking or savings account

BANK OF AMERICA CLOSE MY ACCOUNT BECAUSE I USE BILLED PAY TO SEND MYSELF CHECK. BECAUSE I COULD NOT GET TO BANK END TIME BY THE TIME THEY CLOSE. IN THERE CLOSURES IT DOES NOT SAY YOU COULD NOT USE BILL PAY FOR THAT.. I HAD NO CHECK FOR THAT ACCOUNT.
Product: Payday loan, title loan, or personal loan

In XXXX of 2018, I obtained a loan with XXXX XXXX XXXX for approximately {$770.00}. This was online and the advertisement was deceptive and did not understand how much I would owe the company
Product: Credit reporting or other personal consumer reports

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.? Except as provided in paragraph ( 3 ), the term? consumer report? does not include? ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device.THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Here 's the list XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$21000.00} XXXX  XXXX XXXX {$340.00} XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have tried on numerous occasion to reach Experian via the phone, and it is all automated response.I was asked to key in my SS # to validate myself, only to be told the reason I am giving doesn't qualify me to speak to a specialist. This has been going on for weeks. I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are call made today. 

See attachments
Product: Debt collection

I have initially wrote to remove this company however they keep reporting back to my credit. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Debt collectionIssue : Attempts to collect debt not owed
Product: Vehicle loan or lease

I recently got into a accident & my vehicle was a total loss I purchased my vehicle through XXXXXXXX XXXX for XXXX used XXXX XXXX XXXX  on XXXXnow that my vehicle insurance has covered all cost of my vehicle the lender which is BRIDGECREST has been giving me false information everytime I call about why the account isnt closed out yet I have proof that they are holding the money that was wired to my online account & not posting it for weeks I have proof they have changed the dates on all of the payments received by my insurance companies now that all of the money is posted to my online account they are saying its not posted yet but I can see it on my end Ive asked to speak with a supervisor or someone in charge theyve told me almost every time there not here today. Ive always paid on time.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXXRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME.
Product: Payday loan, title loan, or personal loan

I have run into a financial situation. I 've contacted the company and told them once I get my income tax I would payoff the loan and please DO NOT call my job or personal phone anymore. They continue to call my job putting me at risk of losing it. As of today X/XX/2017 I want Liberty loan to stop calling and harrassing me about the money owed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF ED XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In XXXX with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF EDXXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$910.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$710.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$910.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} ''
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX XXXXXXXX XXXX XXXX  Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX Account # XXXX ) ( XXXX XXXXXXXX Account # XXXX ) and i made no credit application with these companies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Mortgage

We became aware of your recent settlement with XXXX XXXX solution where we had attempted a loan modification. When I contacted them today to inquire about your deferred balance we were told that our loan has been sold to another lender DieTech. And DieTech folks are still reporting the deferred balance that was subject to the loan modification ( see attached ). We would like CFPB '' s help in working with DieTech to XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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 

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

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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any person reporting agency if the person knows or has no reasonable cause to believe that the information is accurate.
Product: Debt collection

CHOICE RECOVERY INC I have a a unverified account from. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY INC purport I owe. I request that CHOICE RECOVERY INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Product: Checking or savings account

Bank of America is the worst Bank in XXXX. The Bank and the System is discriminating and completely evil. Why would a Bank like this be allowed to operate in the United States when all it does is promote bias, discrimination, and an unjust system? This Bank has held my money, {$47000.00} for 2 Weeks now to ransom and declined all transactions and payment I setup causing me untold hardship, return payment fees and all types of embarrassment. I would like to know the evil I did to open an account with Bank of America. People should be aware of the depth of evil and darkness this Bank portrays. They have caused me untold frustration pain and heartache for no reason. Even after I called to explain my situation, they have turned deaf ears and kept declining all my transactions on the basis of insufficient while at the same time holding {$47000.00}, I made available to pay my bills and live peacefully. They robbed me of my peace and caused me untold pain. It shall NEVER BE WELL with Bank of America. The pain they caused me they will reap in a measure that befits it in a magnitude 100 times more damage and destruction they would not escape.
Product: Credit card or prepaid card

I have been a cardholder with Synchrony Bank and its predecessors since  XXXX . I have been making multiple credit card payments each month to pay off my balance - these payments were made online and the funds were from two verified checking accounts that I have - one account I have had for about 17 years and the other account for about 8 years. In my 35 years of banking, I have never had a credit card payment returned. Before  XXXX , as soon as I made an online payment, the funds were immediately available for use. However, since  XXXX , Synchrony Bank does not make the funds from my payment available - they now hold the payment for 7 days even though nothing has changed with regard to how I make payments. I made a payment on  XX/XX/XXXX  and had to call the Bank in order to get the payment released - the Supervisor I spoke with told me that I could call at any time to get my payment posted to available funds because of the length of time with Synchrony Bank and never having a payment returned. I made another payment today and was told by badge #  XX/XX/XXXX  that the payment would not be available for 7 days. Please help because Synchrony Bank is holding my monies when that is not how it has been for 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 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: Student loan

I have 5 student loans from Navient and loans have been in forbearance. I have access to credit bureau apps now and have noticed that I have student loan lates from XXXX. My student loans were in forbearance and I sent an email replying Yes to keep in forbearance to keep them that way. I have always been proactive to keep loans in forbearance and have also proactively entered a repayment for XX/XX/XXXX. I had to call to resolve this after receiving mail it was not in forbearance and this was resolved but the lates still appear on my credit report. This is the only negative item on my credit report and I do not want this to impact my creditworthiness as I am now looking to buy a home. Please remove incorrect lates from report as soon as possible.