23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I applied at the XXXX in XXXX GA before I found out I needed XXXX XXXX. I was accepted as a tenant but never moved in seeing I was also accepted as a XXXX XXXX for them but could not move nor take the job since I XXXX XXXX XXXX ( XXXX ). I had XXXX and needed to stay where I was. XXXX XXXX at the time was the manager who told me not to worry that everything would be taken care of. I never moved in. I took his word. Come to find out another company took over the XXXX and all of a sudden I was charged a {$5000.00} debt for an apartment I never moved into. When I called the XXXX  they told me that they had no proof of me living there or my paperwork since they were bought out. I attempted to contact their corporate office and nothing was done. This has impacted my credit score by 74 points and is illegal. I have lived at the same GA address since XX/XX/2016 to present date I continued attending school at XXXX XXXX University and never stepped foot into the dorm. Everything was to be handled by the manager after I realized that my XXXX needed proper care that would take longer and only available on a military base due to my insurance with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with XXXX XXXX opened XX/XX/XXXX. On Trans Union has XX/XX/XXXX. The highest credit was {$9200.00}. Trans Union has {$13000.00}. This loan has been sold five times. My compliant is with XXXX XXXX as well as Trans Union. XXXX  sold to XXXX XXXX, from XXXX XXXX to XXXX XXXX, from XXXX XXXX to XXXX and currently XXXX XXXX is trying to collect. I feel I have paid this loan in full. I never boworred {$13000.00} form XXXX. I believe this information is outdated. All companies listed stated collections under XXXX. I began XXXX reported having received {$5800.00} when transferred to another lender inXX/XX/XXXX. On XXXX   {$4700.00} activity designation paid and closed. XXXX received payment up until XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I have student loans with Navient. They are all Federal Student Loans. I can provide detailed payment logs that include weekly payments of student loans that show I was still making payments for years while being on IDR of XXXX based on income. When recertifications for IDR 2020 ( before COVID ), my required amount became 100+ dollars, ok I thought to myself, Ill keep weekly payments going and I should be ok, no. It appears Navient has charged me a late fee, and all payments made I believed were being added to my actual loans only went to interest. The payment of 100+ dollars that I was told would start in XX/XX/2020, I have only paid around 50 dollars to, oh and Im past due because it actually started repayment in XXXX???? Not to mention a XXXX $ student loan that I never received is on my account as needing to be repaid. How do I pay a loan I never received. Navient has stated they can Accommodate me by placing my account in forbearance For 30 days to remove the XXXX late fee. Wait I thought that process adds more interest to an already outrageous amount due. This is a shame, a consumer thinks they are doing the best they can with little the have and loan sharks like Navient give wrong information and take their money. If I would have known that interest would have accrued even on IDR while making payments I would have kept XXXX. And not attempted to pay extra. Shame on me for being honest and wanting to get ahead.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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
Product: Mortgage

I must bring to your attention that the mortgage servicer M & T Bank has failed to follow the Real Estate Settlement Procedures Act ( RESPA ) by not notifying the borrower of the negative escrow balance that initially occurred in XX/XX/XXXX, and failed a second time in XX/XX/XXXX, failed a third time in XX/XX/XXXX, and subsequently failed a fourth time in XXXX of XXXX. 
It was not until the escrow account had been allowed to reach a negative value of nearly {$7000.00} in XX/XX/XXXX that M & T Bank contacted the borrower regarding the shortage. 
Due to this repeated failure to comply with RESPA, the borrower no longer has faith in the servicer 's ability to promptly and effectively manage the escrow. Additionally, a direct consequence of this negligence has resulted in the borrower 's mortgage payment doubling, causing extreme financial strain and hardship. 
Failure to comply with the Real Estate Settlement Procedures Act ( RESPA ) can result in various penalties and consequences. Some of the results of non-compliance with RESPA include : Penalties and Fines : Companies that violate RESPA can be fined as much as a few XXXX XXXX dollars in damages Civil Liability : Violators may be subject to civil liability of up to three times the amount they were paid and any attorney 's fees Criminal Liability : In some cases, a violation of RESPA can include jail time of up to 1 year Enforcement by CFPB : The Consumer Financial Protection Bureau ( CFPB ) is responsible for enforcing RESPA This is a vehement example of predatory behavior by a mortgage servicer that should not be allowed.
Product: Mortgage

I requested debt validation from Reliance First Capital, LLC regarding an alleged mortgage debt. Despite sending multiple written requests, their responses included only a generic statement, notice of delinquency, and a notice of default, which do not meet FDCPA requirements. I also received collection calls from XXXX XXXX, which caused confusion, as I was unfamiliar with them. During these calls, I requested written validation, but no proper validation has been provided. On XX/XX/year>, I received a Notice of Default stating I must cure the loan by XX/XX/year>, despite the unresolved validation dispute. I believe these actions violate the FDCPA and FCRA and place me at risk of wrongful foreclosure. I am seeking proper debt validation and suspension of foreclosure proceedings until this matter is resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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: Money transfer, virtual currency, or money service

I entered into an open end credit transaction with Apple Card to purchase a XXXX back on the XX/XX/XXXX. I allegedly owe a balance of {$1100.00} and Goldman Sachs bank has been calling trying to collect on it. I did not enter in a contract with Goldman Sachs, nor have they shown me a signature where I signed into a contract with them.
Product: Credit reporting or other personal consumer reports

This is my further request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$2800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX Balance Owed : {$870.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$6600.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXXXX/XX/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
Product: Debt collection

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to XXXX, and XXXX. This DEBT COLLECTOR ALLIANCE ONE XXXX XXXX, XXXX, or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR ALLIANCE ONE XXXX XXXX, XXXX, has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO XXXX. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in XXXX where the Person is buying from XXXX CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR ALLIANCE ONE XXXX XXXX, XXXX, to contact me pursuant to XXXX. I never asked this DEBT COLLECTOR ALLIANCE ONE XXXX XXXX, XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR ALLIANCE ONE XXXX XXXX, XXXX, this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ALLIANCE ONE RECEIVABLES, MANAGEMENT, XXXX DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO. 

This CORPORATION tried to make a deal with me and accept a lower payoff which is against the law. These DEBT COLLECTORS are Greedy, and they know I do not owe them anything.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I received a letter from XXXX on XX/XX/2018 stating I had a past due utility bill. The balanced owed is {$130.00}. I then pulled my credit report and saw this bill on my credit report. I filed a police report and contacted my monitoring service on how to handle this fraudulent account. I was told to send my documents to them and they would take care of this matter for me. The Identity Specialist sent a dispute package to the collection agency to the credit bureaus. The information that was included was a dispute letter, copies of my driver 's license, and social security card, proof of address, police report letter of dispute power of attorney and the identity theft affidavit. My dispute was denied so I sent an informal dispute to XXXX the commission of utility and my dispute is under investigation now. The XXXX XXXX agency closed the dispute and due to fraud. I have now received another letter from another collection company called Penn Credit stating I  owe the same balance. Penn Credit also received a dispute and all letters that were sent to everyone that this account is being disputed and investigation with XXXX and should have never been sent to them.
Product: Credit card

I had a XXXX XXXX XXXX XXXX with Navy Federal CU they provide insurance in the event you can't take the trip. 
I had an emergency with my XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. They notified me to call back anytime that was in XXXXXXXX  I called back in XXXX filed the claim with the XXXX agent on approx XXXX and when I called back in XX/XX/XXXX nothing had been done. As in no claim had even been filed. 
On XX/XX/XXXX I spoke with a supervisor who took the claim and had me submit documents online. 
XX/XX/XXXXXXXX XXXX  I received a letter dated XX/XX/XXXX that the timegrame to file has passed and there is no billing error. 
Called XX/XX/XXXXXXXX XXXX a woman in cc she stated that there is 180 days to file claim unless there is emergency. 
I was transferred to XXXX in fraud stated she did not see the letter I'm referencing. 
I have spent over XXXX hours speaking with Navy FCU and not once until I received this letter in XXXX did they mention it was not within the time frame. 

If I were told this in XXXX I would've made a calendar to get it done by however, I was managing my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am XXXX  and I do not prefer making calls to this or any company unless I really have to. 

They have wasted my time this account is already paid and no longer had a balance. 

I called back due to being told " anytime '' then the XXXX call my claim was not taken anyway. 

The amounts are XXXX, XXXXXXXX XXXX XXXX 

This accounts interest rate shot up and they blamed the economy when they are a credit union current rate is 14.49 % with added interest on daily balance. While I carried a balance it was 16 % This card was 8.99 % when I got without the daily actual balance. 
I have another dispute about the personal loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the debt referenced above, which you are attempting to collect on behalf of collections XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX account # XXXX date opened XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX account # XXXX XX/XX/XXXX I believe this debt is not mine and is a result of fraudulent activity. I request that you immediately investigate and remove all accounts related to this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute debts that I believe are incorrect or fraudulent. I have reviewed my records thoroughly and have no knowledge or recollection of any account associated with this debt. This appears to be a case of mistaken identity or fraud, and I demand a full investigation into this matter. 

Please take the following actions : Provide Documentation : I require that you provide written verification of this debt, including a copy of the original agreement or contract bearing my signature and any other relevant proof that this debt is legitimately mine. 

XXXX XXXX XXXX Efforts : I demand that all collection activities, including phone calls, letters, or any further communication regarding this debt, cease immediately until you can provide clear evidence that this debt belongs to me. 

Remove from Credit Report : If this account is being reported on my credit report, I request that it be removed immediately unless you can provide sufficient documentation to prove my responsibility for this debt. 

Failure to provide proper validation and evidence of this debt, or failure to remove this fraudulent account, will leave me no choice but to pursue legal action. If this matter is not resolved promptly and to my satisfaction, I will take appropriate steps, including filing a lawsuit for violations of my rights under the FDCPA and FCRA. Additionally, I will seek damages for any harm caused to my credit and any emotional distress caused by your collection efforts. 

I request a response within 30 days of receipt of this letter. Should you fail to validate this debt or remove it from my credit report, I will not hesitate to escalate this matter to the appropriate legal authorities, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please be advised that I am keeping a detailed record of all correspondence regarding this dispute and will take necessary legal action if required. I expect immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all 3 credit bureaus to verify debt with the furnisher for the following companies : 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 ) I have not received original contract from either company to date. 

Dates of mailed letters : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

This complaint is the result of the negligence committed by Ford Motor Credit.  I have the following account with them : account # XXXX, opened date : XX/XX/XXXX, original balance : {$16000.00}. 

I have tried multiple times to fix this issue with them, but they have refused to provide me a fair solution. 

Back on XX/XX/XXXX there was an issue with Fords online system, they mistakenly had 2 online accounts for me, and this made a problem for them to process online payments.his ended up in a late payment reported on XX/XX/XXXX on my report. They are being unfair and negligent. Since this was a bank error, they shoulnt report the payment as " late ''. 

All I am asking for is a fair solution to this issue, that has become worst with the time. 
I have always been on time with my payments, and by XX/XX/XXXX, it was not the exception. 

My demand is to get this late payment removed from my report. 

Tnak you.
Product: Money transfer, virtual currency, or money service

To whom it may concern While in duty over seas I had XXXX almost XXXX $ in fraud from my cash app balance, square after motnhs and months and 3 XXXX filed complaints refunded XXXX, I'm still vehemently fighting this too no avail out of principle, I'm fighting for my country risking my life and get XXXX XXXX XXXX stole from me and only less than half gets fixed 10 months ago.
Product: Credit card or prepaid card

Chase charged me a {$95.00} annual fee for a credit card that I have not used for 9 months. I called to ask to have the fee reversed and close the account. The representative ( XXXX with an XXXX accent ) stated repeatedly that the fee could not be reversed even if I closed the account. The fee had only been on my account for 20 days, so I was surprised that they could not reverse the fee. Right before hanging up in disappointment for paying a worthless fee, as a last resort, I asked to speak to a manager. While waiting for the manager, I searched the internet and found that it is in fact Chase policy to refund these annual fees within 30 or 40 days of posting date. When the manager came on the line, she confirmed that policy and closed my account. 

** My complaint is that Chase Policy is being completely misrepresented by their agents. ** This is infuriating. It's bad enough that I have to waste time on this XXXX. A bank 's agents CAN NOT misrepresent their policy in favor of the bank. This agent did it REPEATEDLY. That is straight up fraudulent. They are probably rewarded for this XXXX or instructed to do this XXXX in some XXXX call center. Customer Service first tier is clearly intended to deflect and frustrate customer to give up. THIS CAN NOT BE ALLOWED TO CONTINUE. Especially for a BANK!!! Y'all should fine them or force them to send out proactive notifications of Annual fees and force them to have a one-click button on their website to refund the fee and close the account. That would torpedo this scammy behavior of charging fees for cards that are not used. Or maybe require that annual fees are automatically waived if a card is not used for the preceding 4 months. These are great ways to make them fix this XXXX!
Product: Credit card or prepaid card

I live in Virginia, USA and make a reservation online on XX/XX/19. I paid {$1500.00} ( US dollars ) for 2 Airline tickets at XXXX -a company based in NY, USA with my Bank of America Mastercard . I was surprised that My Bank of america credit card charged {$23.00} twice as FOREIGN TRANSACTION FEES. I called Bank of america, they said these fees are automatically from XXXX because is a foreign company. I called back XXXX, they said the company is based in USA, they charged in US DOLLARS a total of {$1500.00} ( which is correct ) and they dont charge foreign transaction fees. So, what Im asking is to cancel these charges from my credit card. I called Bank of america and they said they can not do it nothing about it. I dont think is fair because, I paid in US dollars here in USA for a company that is based here. Please help.
Product: Mortgage

Property is located in XXXX, XXXX which is a Federal Natural Disaster Zone and per order of FEMA the loan has been placed on credit suppression for 90 days. 

I have contacted Western Alliance Bank on XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX to request documentation to support the fact I am on credit suppression. Each request, I have been told they can not provide such documentation. On the XX/XX/XXXX call, I was advised I can request this documentation in writing with no guarantee it will be provided. On XX/XX/XXXX, I receive a letter from WAB stating my account was delinquent and will be reported negatively to the credit bureaus. 

On the XX/XX/XXXX call, I was advised my loan was assigned to the loss mitigation department as of XX/XX/XXXX.