23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear cfpb, I am experiencing extreme hardship at this time. I made arrangements with Synchrony Bank and Care credit. I thought was going to be activated. One for {$180.00} the other for like {$80.00}. We made arrangement for auto pay for XXXX monthly payment for both accounts. Synchrony did not activate autopay. This put me behind, and now they are requesting double payment. I do not believe that I am responsible for that payment during the time in which they did not activate my account.. I can not afford a double payment at anytime. I asked for them to change my payment to accommodate my finical situation, so that I may be more able to honor my committed payment arrangement. I do thank you for reducing the payment to {$180.00} but the denied my request to change the payment date to the XXXX so I could be certain that the money would be available early in the month. This is the unfortunate reality of situation I'm currently experiencing. But that amount of payment is still harsh considering my circumstances.
Product: Mortgage

I received a credit denial in the mail from an unknown mortgage company, out of the blue. I tried calling them to lodge a complaint and everyone tried to transfer me to customer service. Customer service never picked up. After 4 attempts, I tried to refuse to be transferred and the phone person ignored my request and did it anyway before I could explain no one was answering.
Product: Mortgage

I had the house built in XXXX through XXXX, XXXX sold to the house XXXXXXXX XXXX XXXX XXXX, then I did a HELOC loan for {$140000.00} in XXXX, I was looking to lower the interest rate. The loan company paid countrywide off, and I didnt get any benefit from the HELOC other than a new mortgage. I have been paying it since XXXX, now it is now XXXX and the mortgage balance is still {$130000.00}. Its like i havent paid but {$15000.00} on my mortgage according to them. when XXXX had the mortgage, they did not send me any statements. Now Shellpoint has it and Ive been asking for a payment history and amortization schedule and cant get it just a letter saying were getting the information together when all should have been done is to click a few buttons on the computer. Im trying to find out why the balance is still so high. It only should be about XXXX XXXX. Shellpoint is a mortgage servicer. I dont even know who my actual mortgage company is. XXXX XXXX XXXX that doesnt come up on your list of mortgage companies. My husband died XXXX, I have had a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and need my house. their saying they cant help by doing a deferment, I receive social security which can cover the mortgage. I need to know how much I really owe. Please help thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachment. 

XXXX XXXX has reported inaccurate information to XXXX   credit agency. I would like them to provide me with their ledger on my miss payments. My records indicate I was never late on the days they are reporting. 

Thank you and have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my review of my consumer reports it has come to my attention that you XXXX  XXXX XXXX are reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft.

18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, XXXX, Equifax, XXXX ) I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. XXXX  XXXX XXXX  have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the XXXX accounts that need to be deleted off my credit report immediately 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: Vehicle loan or lease

Paid car off in full on XX/XX/20 Have called finance company 12 times. Local car dealership called finance company on my behalf. Lady at the local department of motor vehicle has called the finance company on my behalf. I was promised the title would be mailed. I was told I could get a copy at my local DMV. I was told I would get the title by fax. I have emailed the finance company twice to complain about lack of customer service. Each time after a whole week of waiting I was told they could not help me by email and I should call the same customer service that I was complaining about. The new owner can not register the car in her own name because lien has not been released. No one at the finance company knows why it's not been released. On Friday around noon the lady at DMV was told it would be escalated and released in 2 hours. It's Monday around noon and it's not released yet. My paperwork all says Kia Motor Finance but the lien shows Hyundai Motor Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 MAJOR CREDIT REPORTING AGENCIES ( XXXX, XXXX, TRANSUNION ) are mistakenly reporting a balance on an account on my credit. The name of the account is " XXXX XXXX ''. Due to this inaccuracy and my multiple attempts of trying to get this rectified, it is unlawful to continue reporting such account. please delete.
Product: Credit reporting or other personal consumer reports

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Debt collection

Collection is not from the original creditor. Jefferson capital systems at XXXX XXXX XXXX XXXX XXXX MN XXXX and XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX have been sending me collection notices for the amount of {$7900.00}. The collections are being reported past due. I do not know either of these companys and have never done business with either of these companies. Neither of the two companies have a contract with me with my signature.
Product: Credit card or prepaid card

I Purchased a new furnace and AC unit from XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX on XX/XX/XXXX in the amount of {$13000.00}. 
I was not advised that the loan that XXXX promoted through Synchrony Bank ( XXXX ) was a " Deferred Interest Bomb loan. " They encouraged me to use this loan, when I had plenty of alternatives via credit unions with low interest. I trusted their recommendation. They did not disclose to me any of the exorbitant rates or deferred interest penalties. Assume they just wanted to sell me the merchandise without concern for the bank 's known unscrupulous methods. I now see this bank has that track record. 
At the end of the recent loan period, they just added {$6800.00} to the original balance. This is almost 50 percent of the cost of the original furnace/AC. 
Yesterday, I paid off the residual balance to Synchrony Bank ( principal only - not the interest ). The interest rate they are charging is 26.99 percent. Also, they calculate the interest going back to the beginning of loan period - and charge that rate on the entire beginning balance. 
I learned about this yesterday, I was paying the monthly amounts electronically. Since I chose to avoid monthly statements, I was paying all amounts electronically. 
Note : If they had sent me a balloon payment balance of what was left, I would have realized it and paid it immediately. This is extremely deceptive. They deliberately keep the customer in the dark. This also occurred just when the COVID lockdown started in California. 
I received no warnings or alerts of the end of the 18 month period. 
Note : This ending period of the loan fell squarely into the first month of COVID XXXX - XX/XX/XXXX. 
I had recently lost a family member. I have perfect credit and carry no credit card debt. 
I also never saw any warnings or alerts - As soon as I noticed the balance changed ( it jumped up considerably ), I tried to reach the bank, but I could NOT reach the bank ( assumed due to COVID ) I continued to try to reach the bank. I tried using the chat tool, and that also was not working. 
I would be OK paying a reasonable amount of interest, but almost XXXX is deplorable. 
I would prefer to settle fairly with the bank and avoid litigation.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected as well as $ XXXX being taken from my business account and closed with no further explanation. I have a small business and that money was to be saved for taxes and etc. 
XXXX 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: Credit reporting or other personal consumer reports

Based on : 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than 4 business days after the date of receipt.

Under 15 U.S code 1681e ( b ) and 15 U.S 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. These accounts have violated my rights.

Pursuant to 15 U.S.C 1681 section 602 A, I have a right to privacy.

Pursuant to 15 U.S.C 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE!
Product: Debt collection

I called the company Jefferson Capital and told them to stop sending me fraud bills. I never lived in Florida and it's sent to my sick uncle and he doesnt need more problems. They at Jefferson Capital didn't know what I meant I just received another one this week from my uncle.
Product: Debt collection

Dear Midland Credit Management This letter serves as a formal notification to immediately cease all communication regarding the debt associated with account number XXXX pursuant to the Fair Debt Collection Practices Act, 15 USC 1692c. Please refrain from contacting me via phone, mail, or any other means regarding this debt. 

Sincerely, XXXX XXXX.
Product: Checking or savings account

I opened the checking and savings account for promotion bonus. 

It said " Open a new checking and savings account in the Citibank Account Package between XX/XX/XXXX-XX/XX/XXXX. Within 30days of opening your account deposit {$15000.00} New to Citibank funds into the checking and/or savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. Get {$400.00} deposited to your account! '' I opened checking and savings account on XX/XX/XXXX with {$15000.00} deposit. 
I maintained this balance up to now. I called several times to Citibank and I still did not get the promotion. 
They kept saying different time period of 90 days. I want to get a promotion of {$400.00} and close all my account.
Product: Debt collection

Hello, I have received several calls attempting to collect a debt for someone who does not live in my house or at my number. I have had this number for several years and I have asked Capital Accounts to stop calling and the person does not live at my address and this is not their number. They continue to call. One gentleman insisted he spoke to this person at my number which is incorrect.
Product: Credit reporting or other personal consumer reports

Yes I am XXXX XXXX XXXX and me and my wife XXXX XXXX XXXX have been stolen from by my wife 's sister XXXX XXXX of XXXX XXXX XXXX Missouri she stole our identitis turns out couple decades ago for reason of trust fund in my name and information My Treasury direct account in my social security number XXXX XXXX XXXX her sister has spent alot of our money and assets impersonating us and we want her AREESTED there is proof online her sister had XXXX money and now XXXX. XXXX XXXX net worth and record 's gives long list of her crimes and also XXXX XXXX trust fund record 's net worth and XXXX XXXX My wife net worth. It's All there online for her arrest because My wife and I are just now getting information about her despicable crimes against us. Our only address is XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX our only email is XXXX our only phone number is XXXX XXXX XXXX .. we want our legal trust fund and assets my social security number is XXXX XXXX XXXX
Product: Checking or savings account

Fifth Third Bank allow an account to be open for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the Entity name printed on the checks was XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. There were two accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With the different entity names on the accounts and checks we believe that fraud, and money was being laundered through these accounts. 
When deposits were being made into account it was believed to be for the Entity XXXX   XXXX XXXX XXXX XXXX XXXX XXXX as checks were being written from this account for this entity. On XX/XX/XXXX I was notified that I was removed from the Fifth Third Bank accounts that was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, with being removed from the accounts we found out that the actual entity name on the account is actually the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This prompted us to check on the validity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a legal entity, and it was determined that XXXX  XXXX XXXX XXXX XXXX XXXX XXXX wasnt a legal entity. 
Since XX/XX/XXXX Fifth Third Bank has allowed funds to be deposited into accounts that does not belong. The Entity names for transactions such as deposits and Withdrawal were all completed under an entity name that did not exist at the time. According to all checks weve written, and all deposits made was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the Entity name on the account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All deposits were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX but went into accounts with entity name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
All funds in account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be for the entity XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is now currently a valid entity
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX SXXXX 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: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$13000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

When I first moved to XXXX, TX in XX/XX/2023, I signed a lease without seeing the property first. When I arrived, there was criminal activity and I told XXXX XXXX XXXX I would not live there. They suggested their alternative apartment building, the XXXX. I moved from XXXX XXXX the next day into the XXXX apt and requested a new lease. 

I never received one. I also saw my signature was digitally forged after they added new information to the original lease that hadn't been approved by me prior to my original signature. 

I had paid for one month 's rent and stayed in the XXXX Apt for one month before returning the keys to the maintenance person and leaving. The lease was invalid, I have never owed them further payments, and National Credit System never contacted me in writing to say they were a debt collection agency. 

I filed a complaint with the TX Attorney office due to the fraud and will attach that document as it goes into further detail. 

While living in the XXXX Apartments, someone attempted to enter my apartment while I was inside using a key. A XXXX man jumped into the pool fully clothed and when I reported it, nothing was done to sterilize the pool that people continued to swim in. There was loud construction in the apartment near the one I temporarily stayed in and I made numerous complaints to the management and the city as it was happening until XXXX at night. 

The place was unlivable due to the fake lease I never approved, signed or received. The conditions I was forced to live under made it uninhabitable - loud noise, someone attempting to break in, homeless activity. 

I never received any notice from National Credit System in writing and when I called to request verification they said they would email it to me. I have never received proof of this. 

I have paid my rent on time and in full to my legal living space since XX/XX/2023. I do not owe any more money to National Credit Systems or XXXX XXXX XXXX as they rented me an apartment that had criminal activity they were fully aware of due to the video taken inside the apartment they sent me prior to my moving in. 

I suffer from XXXX and this trauma has followed me. I need it to stop. I need National Credit Systems to understand I do NOT owe any more money for a fraudulent lease. 

Thank you.
Product: Debt collection

On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company XXXX XXXX XXXX. I told them that the debt was paid in full. XXXX XXXX XXXX asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday the XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. This account was also sent to this collection agency by Pendric Capital. Who is the original owner of the account I paid off through XXXX XXXX XXXX XXXX.