23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I financed a XXXX home generator through Sunnova in XX/XX/XXXX that was purchased from and installed by the XXXX XXXX XXXX located In XXXX, FL. Sunnova filed several ( three ) XXXX financing statements against my property through XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX for solar equipment that I never financed through them nor that I have installed on my home. After I filed complaints again Sunnova for the bogus filings, Sunnova terminated the previous XXXX financing statements for the non-existent solar panels and then filed another XXXX financing statement against my property for the generator, even though a representative from the company stated that they do not file such documents for accessory equipment. The representative even badgered me to provide a system ID for solar panels that do not exist. I filed another complaint against Sunnova for the XXXX financing statement that was filed in XX/XX/XXXX for the generator, and the response from another representative stated that the XXXX was not a XXXX and that the company has a security interest in my property for the generator. The financing contract that I had with Sunnova for the generator was for XXXX percent interest for 18 months. My final payment was made on XX/XX/XXXX and the payment was processed on XX/XX/XXXX. I contacted Sunnova customer service via email requesting that the XXXX filing be terminated from my property. The response that I received from XXXX XXXX, a customer service representative, was that the XXXX would be automatically removed. I informed XXXX that it was ironic that the filing was characterized as a lien when another Sunnova representative said that it was not. As of this date, Sunnova has not terminated the lien against my property that was filed in XX/XX/XXXX for their supposed security interest with respect to the generator and associated equipment that were not identified. Sunnova has no valid security interest in my property and has been engaging in these shady business practices with respect to my property for the past XXXX to XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal information on my credit report is inaccurate and I have sent multiple requests asking them to correct it with no response.
Product: Bank account or service

My {$1000.00} bank deposit was misdirected. 
Overdraft Protection was not established as I requestedfor my Checking Account. It was posted as {$10.00} anddeposited into my XXXX child 's Savings Account, and the error wasnot found for over a week. This resulted in subsequent overdraftcharges totaling {$860.00}, and SunTrust Bank has refused to giveme a complete refund. I received only a partial refund of overdraftcharges, though I spoke with the Manager, XXXX XXXX and the Area Supervisor. 
I want a complete refund of the {$860.00}, and the bank has refusedto do so. I called the FDIC and they directed me to ConsumerFinance Protection Bureau. I am the niece of a former XXXX, and have been trying to get this resolved forFIVE MONTHS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company failed to request/remove a credit inquiry from my credit file. The credit bureaus will not delete the inquiry from my file even after being provided the proof from the company of requesting and admitting to unauthorized request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Became aware of an issue with my cc when I was declined by a cashier. I immediately called Capital One to determine the issue. The said I failed to make a payment of around {$10.00} which was an auto payment to XXXX. This was all the cc was used for. I had about 350 n cash rewards that should have been used in worst case. I previously tried to access my account in several of occasions and was unable to login. I believe their mobile app was having issues. Finally, deleting the app and reinstalling, I was able to login. 

I do not receive paper statements and I received no alerts or emails. I believe these failures were at least partially their fault. I havent been late with any payment in 20 years. 

Late charges were removed
Product: Debt collection

I have received several calls and letters from Credit Bureau Systems ( CBS ) stating that I owe {$440.00} for unpaid debts to XXXX XXXX XXXX. The debts are from XXXX. I have contacted XXXX XXXX XXXX and verified all of the debts were paid in XXXX. I have called CBS numerous times stating they were paid and they continue to call and send letters. The last letter was sent to my employer on XX/XX/XXXX. The last call to my cell phone was on XX/XX/XXXX. They have also called on numerous other occassions.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to TXXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

To whom it may concern I have noticed this account pop up on my credit report. I also noticed I did not receive notice for an attempt to collect debt on this account, which has denied me my right as a consumer to review and verify that this debt belongs to me as I the consumer don't recognize this debt at all. Failure to send a debt collection notice is a direct violation of my rights under section 809 ( a ) of the FDCPA.
Product: Debt collection

On XXXX XXXX, XXXX the vehicle was returned to JD Byrider ( CNAC ) due to losing my employment and not able to keep up with the payments. The company then sold the vehicle and stated they will send me information on what was left and due. I emailed XXXX XXXX on several occasions from XX/XX/XXXX - XX/XX/XXXX requesting documentation with no response. I sent a letter back in XX/XX/XXXX requesting, contract, bill of sale, and additional information and it was ignored. I sent another letter in XX/XX/XXXX & XX/XX/XXXX requesting the same information and it was ignored. As of today, XX/XX/XXXX, I spoke with a XXXX at CNAC who basically told me that there 's nothing they could do. I would have to pay {$9000.00} in which that was the original amount of the loan. And I should learn how to pay my bills. I requested documentation and was told that they did not have to respond or give me anything as I am NOT a customer of there establishment. If they will not provide the original contract, bill of sale for when they sold the vehicle then why I am being held liable. They are reporting this a charge off to my credit DAILY but wo n't do anything to resolve the issue.
Product: Checking or savings account

I opened a JPM Chase Total Checking account to take advantage of the offer below:"I am inquiring about Chase's special bonus "Chase TotalChecking offer", in which the account owner shall receivea $XXXX checking bonus by: 1) Open a new Chase TotalChecking account, which is subject to approval; AND 2)Have your direct deposit made to this account within 90days of account opening. After you have completed all theabove checking requirements, we'll deposit the bonus inyour new account within 10 business days.I completed the requirements long ago and have not yetreceived my $XXXX bonus.The coupon code applied at account opening is:XXXX"I opened the account with the coupon / promotion offering prior the XX/XX/XXXX deadline. I completed the required activities as described above.A couple of days ago (XX/XX/XXXX) I sent the above message to Chase and was told that I did not meet the deadline. See below message from XX/XX/XXXX:"Hello XXXX,We understand your concern about promotion offer and willbe more than happy to review your inquiry.XXXX, we apologize, we're not able to add the coupon codefor the $XX/XX/XXXX promotion on your New Checking account.You're not eligible for this offer as this offer expiredon XX/XX/XXXX. You may refer to the coupon to seea list of the restrictions. We regret for theinconvenience caused to you.We appreciate your business and thank you for choosingChase.Thank you,XXXXChase Email Servicing"This offer is insanely misleading, and I am sure it will trick other consumers into banking with Chase when better alternatives exist. Thanks so much for assisting.
Product: Credit card or prepaid card

tried to cancel an order and amazon asked seller to do so, the seller refused, so Amazon told me to dispute the order, NOW amazon said they cant help because I disputed shipper showed ship item on XX/XX/2022 item was not shipped until today and because Amazon told me to dispute the item they can not help Hello, We've been contacted by a customer regarding the order identified below. 
-- -- -- -- -- -- -- -- -- -- Order # : XXXX Item : Reason : Where's My Stuff? 
Details : Hello, We've been contacted by a customer regarding the order identified below. 
-- -- -- -- -- -- -- -- -- -- Order # : XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collect Reason : refund. 
Details : there is a chargeback if a refund is submitted a chargedback will be take off. 
Please research the issue and contact the customer. 
-- -- -- -- -- -- -- -- -- - To respond to this customer, please reply to this e-mail or visit your seller account at the following link : XXXX XXXX XXXX Sincerely, Customer Service Department Amazon.com http : //www.amazon.com ( http XXXX //www.amazon.com/ ) -- -- -- -- -- -- -- -- -- - To respond to this customer, please reply to this e-mail or visit your seller account at the following link : XXXX XXXX XXXX Sincerely, Customer Service Department Amazon.com http : //www.amazon.com
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may no treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit card or prepaid card

I have a Sam 's Club Mastercard. I received an off and excepted. I had not really used the card. Within the last 8-12 I have utilized the card. My card is on auto pay and I couldnt understand how I was always over my limit. I called and was told I am being charged for a card protection plan. I never agreed to this charge. I called and told them to cancel this. I was just charged again. I contacted synchrony who issues the card. They said they couldnt do anything and I would need to contact this company. I feel this is some type of scam that they use. I have been paying this fee for I dont know how long and I want my money returned.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors that I am a victim of identity theft, and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 XXXXXXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$8300.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I sent certified letters to XXXX XXXX  for two accounts that appeared on my credit file stating charge off. I have a son that bears the same name as I. I requested XXXX XXXX  to send me proof of my ownership of the account bearing my signature. Up to this date XX/XX/2018 XXXX XXXX has not sent anything. I then disputed the accounts with Expierian and XXXX and they continue to verify the accounts on my credit file. The bureaus stated their Method of verification was automated and not directly through the agency. How can this be? XXXX XXXX cant verify.
Product: Debt collection

Hi XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

I keep getting calls and voicemails from ( XXXX ) XXXX on my cell phone and land line about collecting a debt on payday loans that I have never taken out. The voicemail say that I am a " person of interest '' in a time sensitive legal matter, which in other words is saying that you are being investigated by law enforcement. The company claims to be Highpoint Asset.
Product: Credit reporting or other personal consumer reports

I on XXXX XXXX  I was a victim of identity theft, which accounts were made with housing that was not me I discovered fraudulent accounts had been opened with XXXX XXXX also represented by XXXX XXXX XXXXXXXX XXXX XXXX/ and Fair Collection & Organizations . Also XXXX XXXX is reporting fraud account to credit reporting agencies. I immediately filled a police report with XXXX, nc XXXX XXXX police department because of fraud. These accounts were soon removed because they were fraudulent. Now these accounts are back and reporting a negative on my credit report preventing me from getting a home.
Product: Checking or savings account

I received a Cash App, XXXX debit card in the mail at my home, addressed to my maiden ( former ) name. I did not open this account or authorize anyone to open this account on my behalf. This account was fraudulently opened. 

Separately, I also received a XXXX XXXX Credit Card that was also fraudulently opened in my maiden name, after a hard credit check appeared on my Credit report, which I did not authorize. This card was mailed to my then address ( evidencing that this perpetrator obtained my change of address information ). 

I contacted XXXX regarding both incidents and they assisted me with cancelling the 2 cards.
Product: Mortgage

We have 3 valid complaints as follows please : 1. Client has an approved short sale under the HAFA program. The 1st lender XXXX had approved the file w/ escrow close date on XXXX/XXXX/2016, with {$12000.00} pay off to the 2nd loan, an equity line of credit. The assigned negotiator of the 2nd lender, Chase, wont approve the file under the HAFA insisting that XXXX approval letter should contain a specific HAFA verbiage. XXXX however refuses to issue a special letter as requested since the bank 's letter is auto generated. XXXX, to satisfy Chase 's request sent a letter with XXXX signature but still Chase 's refuses to honor the approval letter. The settlement statement ( HUD ) clearly shows that account is a HAFA short sale. We want to close escrow but Chase apparently is not cooperative and intentionally making the process too hard for every one unnecessarily. Our goal is to close the short sale as approved under the HAFA program. Account is delinquent with an active foreclosure process but since short sale is in progress, a sale date is put on hold. 
Please help our client. 
2. An incorrect account no. has been provided by Chase 's negotiator, speculatively was done in purpose so other departments can not have an access to the account, like the escalation department, or the supervisors. 
3. Numerous calls have been made to the 2 supervisors of Chase but no return calls. 
The author / person filing this complaint is assistant to the listing broker.
Product: Credit card or prepaid card

I have a Care Credit Medical Card. This card was very misleading. When I first opened the card, it was a promotional offer. If paid off in 12 months there was no interest. At the time I paid it off unaware that it just continues to stay in promotion. I noticed monthly interest rates so I assumed it wasnt in a promotion. I did see on my account often, that I had promotions ending but because I was making interest payments around {$30.00} a month, I thought i was ok. On XX/XX/XXXX, I was charged {$720.00} in interest which brought my account to negative. This interest rate is appalling. I called and spoke to two managers. At one point the manager chuckled when I asked for her name as I was going to be contacting you. She said gladly. She asked if I had a hardship. I explained Im a single mother with one income. She said thats not a hardship. I asked to see if there was anything I can do to spread that out and they said no. Now Im in the negative and have a {$160.00} a month payment. This credit card is extremely deceiving and that fee should not be aloud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Additionally, I have  a Fraud Victim Alert in p lace with all  XXXX  credit agencies due to being victimized in  XXXX     2016. It is an extended Alert purported to be in place for 7 years ( 5 accordi ng to  XXXX  agency ). I continue to receive Unwanted marketing with pre-approved credit. Experian told me this is not supposed to happen with a  Fraud victim Alert i n place. This has necessitated me to have a locking mailbox as an extra pre-caution, and continues to this day unabated. In fact today I received  XXXX  new catalogs which I did not request. How does this happen? What does the alert do, if not prevent this?
Product: Credit reporting or other personal consumer reports

the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 
complete violation of the law 15.U.S. Code 1681 b and c
Product: Credit reporting or other personal consumer reports

I am formally disputing the account XXXX XXXX XXXX XXXX XXXX. As mandated by the Fair Debt Collection Practices Act ( FDCPA ), specifically section 1629g, you are legally required to verify this debt. Failure to provide proper verification will result in a violation of federal and state regulations governing debt collection practices. 

Under the FDCPA, your verification must include the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A detailed breakdown of the total amount due, including principal, interest, and any additional charges ; Documentation for each charge, including the date and basis for each charge.

I dispute this debt for the following reasons : [ Insert reason ( s ) for dispute ]. 

Given this dispute, you are legally obligated not to report this debt to any credit reporting agencies. If this debt has already been reported, you must immediately notify the credit reporting agencies that the debt is disputed and remove the tradeline from my credit report. Reporting information you know to be inaccurate, or failing to correct such information, constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, except for providing verification of this debt, you are required by law to cease all communication with me regarding this matter. Any attempt to contact me in violation of this request will be treated as a breach of your legal obligations under the FDCPA. 

This matter demands your immediate attention. I expect full compliance with all legal requirements without delay. 

Sincerely, XXXX XXXX XXXX XXXX