23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a co-signer on three of my daughter 's student loans serviced by Navient. I make several payments monthly to them using two different credit unions ( call them A and P ), both of which are listed on my account with Navient. On two recent occasions, I have made payments to them *after selecting the account from which to make the payment* using the " Make a Payment '' button on their website. On both occasions, they took the payment from an account other than the one I'd selected. The most recent payment ( confirmation number XXXX ) was made on XX/XX/XXXX for {$1400.00}. Their on-line system properly applied the payment, apportioning it correctly as I had designated among the three loans. However, they took the payment from A rather than P as I had selected. I called them today to find out what had happened -- they said their system only showed it " had come from you, '' but not which account had been used. Their on-line system also does not show from which account the payment had been made. The representative with whom I spoke suggested that they'd taken it from the " default account '' -- but their on-line system does not designate either A or P as " default. '' She then asked if I'd like to set up regular payments, which I don't as I want the freedom to make payments at times and from the account of my choosing. As a result of their " mis-applied '' payment, I may incur overdraft penalties from A, but I think I now have that situation covered. They need to fix their system by ( 1 ) disclosing the " default '' account they plan to use ( if indeed that's how they operate ) ; ( 2 ) showing the account from which a payment will be withdrawn, ESPECIALLY if it's NOT going to be the one selected using their on-line system ; and ( 3 ) sending on-line users a confirmation e-mail for all payments that include both the amount and source of payments. It's absolutely ludicrous that neither their on-line system nor their phone representatives can tell consumers the source used for payments. I will probably delete one of the two accounts on their system, giving them only one option from which to withdraw payments, rather than count on them to accurately debit payments from the account I've selected.
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 U S C # XXXX XXXX XXXX XXXXXXXX # XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX 15 U S C 1681 section 602 ( a ) States that I have the right to privacy 15 U S C 1681 section 604 ( a ) ( 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 information containing any of the following information, any adverse item of information other than records of conviction of crimes which antedates the report by more than seven years 15 U S C 1681s-2 ( a ) ( i ) A person shall not furnish information relating to a consumer reporting agengy if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the items are already REMOVED from other bureaus so please do the same. 


XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has admitted to being a Debt Buyer this company is also a debt collector pursuant to 15 USC 1692a ( 6 ) defined as ANY PERSON who uses instrumentality of interstate commerce. As a private consumer natural person who is federally protected I have been violated. This company has admitted to committing fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028 and 18 USC 1029. They brought my data from a defaulted note purchased from XXXX XXXXXXXX on XXXX of XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2-401.They continue to use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company admitted to NOT having a contract with me. They can produce a contract as there is none. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). CNAC has admitted to them buying my defaulted note from XXXX XXXX This company also said their complaint that on XX/XX/XXXX they sent documents but I have not received those documents. This company has a Cease and Desist and is using the CRAs as a form of communication which they are defined as a form of communication in Title 15 of the United States Codes ; I demanded to cease all forms of communication.
Product: Checking or savings account

My name is XXXX XXXX. In XX/XX/XXXX I opened an account with TD Bank 's branch located at XXXX XXXX XXXX XXXX XXXX, PA XXXX. The bank representative gave me an account number that I then submitted to my financial institution, XXXX XXXX. On XX/XX/XXXX I contacted TD Bank to see if the money I was expecting from XXXX was deposited. The representative from TD Bank indicated that I was given the incorrect account number and gave me the correct account number. I immediately contacted XXXX with the correct account number. Through the bank transfer process the account number was switched back to the incorrect account number. The money was transferred, on XX/XX/XXXX, to an active account and the deposit was removed by the owner of the account. TD Bank would not allow me to file a fraud complaint with their bank and insisted that we do it through XXXX XXXX. XXXX XXXX insisted that TD Bank needed to handle it because it was removed from TD Bank. TD Bank indicated, at the end of XX/XX/XXXX, that it needed a letter from XXXX saying that the money was sent to the incorrect account before it could proceed. After speaking with them today ( XX/XX/XXXX ) they indicated that they won't be able to do anything unless it is initiated from XXXX XXXX end. The money was deposited six weeks ago and no one has any idea when I will receive my funds. After several conversations with TD Bank and XXXX XXXX I do not see a resolution to this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I found XXXX XXXX XXXX  on my report and it is inaccurate 15 U.S. Code 1681 -. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$500.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$150.00} XX/XX/XXXX XXXX  XX/XX/XXXX {$14.00} XX/XX/XXXX XXXX XX/XX/XXXX {$390.00} XX/XX/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 {$1900.00} XX/XX/XXXX reporting agency excises their grave responsibilities with fairness, impartiality, and a respect for the consumer rights to privacy Pursuant to the fair credit reporting act 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have the right to privacy not granting me my right is in direct violation of 15 usc 1681 and it subsections furthermore. 
My identity has been stolen, and this serves as your official notice. This constitutes aggravated identity theft under 18 u.s.c 1028A by furnishing a consumer report without my written permission, as stipulated by 15 usc 1681b, you have facilitated this fraud. Congress mandates fairness, impartiality, and respect for consumer privacy in the fair credit reporting act ( 15 usc 1681 ). Additionally, 15 U.S. code 1681c-2 requires the blocking of information resulting from identity theft upon request Specific violations Failure to provide validation information ( 12 cfr 1006.34 ( b ) ( 5 ) ) : the collection agency has not provided me with the written validation notice required by law. This notice details the debt, it creditor, and my rights to dispute it Denial of dispute opportunity ( 12 cfr 1006.34 ( c ) ( 4 ) ( I ) without receiving the validation notice, I havent been given the chance to dispute the accuracy of the debt.

False, misleading, and deceptive practices ( 15 usc 1681-s 2 ( 7 ) ( a ) by placing a collection account on my credit report without my proper validation and dispute opportunity, the agency is using deceptive means to collect the debt.

Unauthorized furnishing of information ( 12 cfr 1006.34 ( d ) & 15 usc 1681-s 2 ( 7 ) ( a ) the collection agency has no right to furnish this debt to credit reporting agencies without following the required legal disclosures
Product: Debt collection

According to Federal student aid ( department of US education ) and national student database, I have 17 total student loans which has been consolidated under 3 loans with XXXX XXXX borrowers to service my loans. I have confirm with FSA & XXXX XXXX that i have no other student loans, also verified by national student loan database. Company name Solomon & Solomon P.C. claims that they have been hire to collect my student loans behalf of NJ education department. They do not provide any documentation or provide any proof regarding this loans.Solomon & Solomon P.C. is charging daily interest on this accounts. They have report this on my and my parents personal credit under " NJ education dept '' in which balance goes up every month with default status. my families personal credit has been ruined because of this. Lenders look at this accounts as default with federal and therefore it disqualifies with any SBA loans or mortgage loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 : 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 XXXX XXXX XXXXXXXX Balance Owed : {$1900.00}, XXXX XXXX Balance Owed : {$4500.00}, XXXX XXXX XXXX XXXX Balance Owed : {$690.00}, XXXX XXXX  XXXX Balance Owed : {$11000.00}, XXXX XXXX  XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2022 Amount : {$0.00} I believe that this charge off account is inaccurate because settled and does not match XXXX XXXX XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOODWILL LETTER XXXX XXXX Account Number : XX/XX/XXXXXXXX To Whom It May Concern : XXXX XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on XXXX  months includes XXXX. XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX, XXXX, XXXX. for my XXXX XXXX XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for [ circumstance that caused you to miss a payment ], Id have an excellent repayment record. I made a mistake in falling behind, but since then, since COVID19 things has been very hard, I'm at a point that I'm reestablishing myself. I have a better job and I'm in the process of saving more and I'm enrolled in financial seminars weekly. I'm improving my credit as well and learning money management. Ive had a spotless record of on-time payments. 

Im planning to apply for to purchase a home in the next year and a car as well. This forgiven will help my credit greatly, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late in the amount of XXXX which includes the year and months of late payment. 2023 months includes XXXX. XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX, XXXX, XXXX for my XXXX XXXX XXXX account. 

Thank you for your consideration, and I hope youll approve my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi please take this is as a formal complaint against the credit reporting agencies and the listed companies. These companies have come together and taken upon themselves to report inaccurate information on my consumer report. They are in violation of several laws but I will name a couple in this complaint. After reviewing my consumer report I noticed accounts attached to my name that I take no responsibility for. When reaching out to these companies Experian, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX requiring proof of association to me they would not comply. If a company can report something on my behalf I should not only give them permission but valid documents with proof should be given to me as well. None of this has been given to me and my correspondence has been ignored. The credit reporting agencies are making money off of me but reporting invalid and false information and I demand for it to be corrected and I be compensated. The harassment and the stress this has caused is beyond out of hand. In all they all are in direct violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and 15 USC 1692 ( g ) Validation of Debts.
Product: Checking or savings account

XX/XX/XXXX : Open checking account with SunTrust using promo code XXXX. The terms is " Earn {$200.00} for opening a new SunTrust Essential Checking account. Then, within the first three full months after opening the account, complete at least {$500.00} in Direct Deposits*, per statement cycle, for two consecutive cycles**. '' ** Activity included on a partial statement will not be evaluated. The first 3 full statements will be evaluated for the Direct Deposit qualification. 

I have received 3 statements so far : The first statement is from XX/XX/XXXX to XX/XX/XXXX : In this statement period, I have direct deposited {$1600.00} twice. 
The second statement is from XX/XX/XXXX to XX/XX/XXXX : In this statement period, I have direct deposited {$1600.00} twice. 
The third statement is from XX/XX/XXXX to XX/XX/XXXX : I did not direct deposit in this statement period. 

Based on the above, I fully believe I satisfy the requirement of " within the first three full months after opening the account, complete at least {$500.00} in Direct Deposits*, per statement cycle, for two consecutive cycles**. '' My first and second statement both has direct deposits. 

However, SunTrust claimed that I did not satisfy the requirement by not making any direct deposit in the third statement. This does not make any senses because the offer only requires Direct Deposit for two consecutive cycles within the first three full months. SunTrust disqualifies me for the {$200.00} bonus
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Cease-and-Desist Request Against Midland Credit Management To Whom It May Concern, I am writing to formally file a complaint against Midland Credit Management for their continuous and unlawful communication regarding a disputed account. Despite multiple disputes filed by XXXX XXXX. XXXX XXXX, I am still receiving an overwhelming number of communications from Midland Credit Management, including phone calls, emails, text messages, and consumer reporting activities. 

The account in question is as follows : Account Number : XXXX These ongoing communications are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically : 15 U.S.C. 1692d Prohibiting harassment, abuse, and the use of oppressive practices.

15 U.S.C. 1692c ( c ) Requiring debt collectors to cease communications after a formal request is made.

I request that Midland Credit Management immediately cease all forms of communication with XXXX XXXX. XXXX XXXX regarding the account listed above. Furthermore, I urge the CFPB to investigate Midland Credit Management 's conduct, as it violates federal law and causes unnecessary stress and inconvenience. 

Please acknowledge receipt of this complaint and inform me of any actions taken against Midland Credit Management. I am hopeful for swift resolution of this matter. 

Thank you for your attention to this urgent issue. Should you require any further documentation or information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Specifically, your actions have violated the following provisions of the FDCPA : * **12 CFR 1006.34 ( b ) ( 5 ) : ** This section prohibits you from using unfair or unconscionable means of collection, which can include harassing phone calls, misleading statements, or threats of violence.

* **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** This section restricts the false or misleading representations you can make about a debt.

* **12 CFR 1006.34 ( d ) : ** This section limits the number of times you can contact me regarding the debt.

* **15 U.S.C. 1681s-2 7 ( A ) : ** This section prohibits harassing, oppressive, or abusive conduct in connection with debt collection. 
* Remove any inaccurate information about this debt from your records. 

I am aware of my rights under the FDCPA and will not hesitate to take legal action if these violations continue.
Product: Credit card or prepaid card

Problem is with Synchrony Bank and XXXX XXXX. From XX/XX/XXXX through XX/XX/XXXX someone fraudulently ordered more than {$2000.00} worth of merchandise on my Card. I reported it immediately. Synchrony investigated and decided that I had ordered the merchandise. I did not order or receive any of the merchandise I disputed. I cancelled my synchrony card and they issued me a new one. 
Then they said someone fraudulently reported my second card missing and amazon apparently issued a new card for me with a third, different acct number for me. Up until yesterday, I never cancelled my second card or reported it missing AND I never received that third card. 
So yesterday XX/XX/18 i received a bill from Synchrony reinstating all {$2600.00} of fraudulent charges. I cancelled all three accounts and explained my problems to several amazon customer service reps and to two fraud and investigative reps at Synchrony. They said they will open the investigation again. I am very frustrated and want all the frsudulent charges removed once and for all and a letter stating they have been removed.
Product: Debt collection

Pursuant to 15 USC 1681b, my personal information can not be furnished without my authorization. Additionally, under 15 USC 1681c-2, any account resulting from identity theft should not be reported. Given that I am a victim of a data breach, I believe this account is fraudulent and should be immediately removed from my credit report.

I have included supporting documentation from the creditor confirming my claim, along with evidence of the data breach. Reporting false information violates the Fair Credit Reporting Act ( FCRA ), and I trust that XXXX will address this matter with urgency.
Product: Credit card or prepaid card

Multiple payments tenderd to company, instruments not returned and payments werent applied.
Product: Checking or savings account

I had my car detailed at this place.. My aunt is a diabetic and she left a diabetic syringe and a pocket years ago when we went on a road trip. When I went to pick up my car they were screaming and yelling in my face calling me a drug addict. They refuse to give me my car and the male owner picked me up under the arms and physically threw me out of his office. They locked the door and called the police. I was distraught and the police helped me pay them to get my car back but they overcharged me By {$75.00} saying it was because they found a syringe. I had just had back XXXX that day and I am still suffering in pain from his physical abuse. They also posted my car on XXXX on their business site exploiting my mental illness by telling everybody I was screaming and crying and throwing a fit. They posted these words along with a picture of my car. I am XXXX because of my mental health and they have wreaked havoc on it. I called my bank And reported what happened and they told me I was a victim of fraud and they gave me my money back.