23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a complaint from XXXX XXXX against Credit Collection Services for Credit Collection Services failure to provide requested information for the debt alleged. On XX/XX/XXXX, XXXX ( consumer ), received a demand letter from creditor, Credit Collection Services. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 1 month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Checking or savings account

I had some do my taxes for me and I've been waiting so I did everything I was supposed to do and chime would give me any information about the account that was in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute a hard inquiry on my credit report. Check into cash has checked my credit twice this year without my knowledge. I was not informed that my credit will be checked when I was applying for a personal loan with them. I have been one of their customers since XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX are the dates they have checked my credit. I would like for those inquiries to be removed off my credit report. It is not fair to process a credit check without ones knowledge. Thanks in advance.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

I purchased a lead service and program from XXXX for final expense - the service was changed to a veterans program for leads ( They are two separate options to purchase ) In good faith I gave it a try and received half of the service - stopped the order because I wanted to not be on the veterans program. Arranged an alternative plan with XXXX on their account side via email and agreed to an alternative solution. 

This XXXX years later has still not been addressed. 

The amount of XXXX was originally spent to purchase this lead program - It did not work, It was the wrong program, and I to this date still have no received the entire amount. The original purchase was in XX/XX/year>, the complaints and email agreement to fix what was wrong was in XXXX with lead XXXX client. The dispute was filed in XX/XX/year>, and has been refiled monthly with documentation since to synchrony bank. 

I have disputed this case with synchrony bank/pay pal credit and they keep closing my case without sending me documents. I've faxed my documentation multiple times and it only shows up half the time. The merchant can digitally upload anything without all of the extra hoops to get information to Synchrony. Prior to Synchrony taking over Paypal credit this was never an issue. 

Synchrony keeps charging me interest and higher minimum payments for a service I did not fully receive. - I have contested this case monthly - provided any documentation they request- they send me mail saying I opened the case, never tell me when they close it, and will not send me the documents requested. This has been going on for almost 2 years now I would like to have this resolved as I STILL have no received the service from the merchant fully. 

I will happily provide any information needed.
Product: Credit card or prepaid card

The American Express Marriott Bonvoy Brilliant credit card offered a {$300.00} credit per membership year for purchases made at Marriott hotels. On my statement with a closing date of XX/XX/2022, I received an " Important Notice '' from American Express that stated, " Effective XX/XX/2022, the {$300.00} Marriott Bonvoy statement credit benefit will no longer be available. It will be replaced with a new benefit of up to {$300.00} in statement credits per calendar year ( up to {$25.00} per month ) for eligible purchases at restaurants worldwide. You will have until XX/XX/2022 to use the {$300.00} Marriott Bonvoy statement credit benefit made available on your account opening date or last account renewal date. '' My account renewal date was XX/XX/2022. I made a Marriott Bonvoy purchase of {$310.00} on XX/XX/2022 at XXXX XXXX  EST, for which I have a receipt. Marriott  refused to give me a {$300.00} Marriott Bonvoy statement credit. When I called American Express, the representative refused to issue a credit, claiming that I " wasn't eligible for a credit between XXXX, '' which is in direct contradiction of the terms provided to me and cited above.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 



XXXX XXXX XXXX Bankruptcy Case Number : 1XXXX XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries on my credit report. 

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

This debt collector keeps on trying to call my father even though they have my number
Product: Student loan

On XX/XX/XXXX I set up monthly payments with Navient Student Loans. These are interest only payments as I can not afford anything else due to losing my job during the covid pandemic. 
I have attached the confirmation below. 

Today XX/XX/XXXX Navient contacted my younger brother at his place of employment asking for {$600.00} towards my student loan debt. My brother is not a cosigner nor is responsible for making payments on any of my finances. 

According to 805 ( b ) of the Fair Debt Collection Practices Act, it is illegal for debt collectors to call your family members to discuss your debt.
Product: Money transfer, virtual currency, or money service

InXX/XX/2021 my stimulus check was stolen by peers of mine. They then signed my check with my name and took the stimulus to a wells fargo atm. They then deposited the check into the atm and deposited my government check with my name only on it into an account which my name was not present on. Wells fargo is claiming no responsibility in the misuse of my stimulus in the amount {$5600.00}. I believe it is there job to protect me as their customer. Their system failed and allowed my check to be deposited into an account of another Individual therefore they are responsible.
Product: Credit reporting or other personal consumer reports

I am writing to formally request further clarification and reinvestigation regarding accounts appearing on my credit report that I believe do not belong to me. Specifically, I am disputing the following accounts : After previously disputing these accounts and providing supporting documentation, I was informed that the accounts were verified as accurate. However, I am concerned about the method of verification employed by your agency. I would like to understand : What specific steps were taken to verify these accounts?

Was contact made directly with the creditor ( s ), and what documentation or evidence did they provide to substantiate the claim that these accounts are legitimately associated with me?

Were any third-party databases or external records consulted in the verification process?

Furthermore, I have been informed by the creditors associated with these accounts that the accounts were mistakenly merged with information belonging to another individual. This appears to be a case of mixed credit files or erroneous data consolidation. The improper association of these accounts with my personal credit file is causing significant harm to my credit standing and financial well-being.

Given the severity of this issue, I request that your agency : Conduct a thorough reinvestigation of the disputed accounts, including direct communication with the creditors regarding the possibility of mixed files. 
Provide me with all documentation and evidence used to verify the accounts, including any communications with the creditors or third-party data sources. 
Correct and remove any inaccurate or unverifiable information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, after making my monthly XXXX mortgage payment ( VA loan ) for XXXX, I requested a temporary payment deferment ( forbearance ) due to a COVID 19 hardship. The balance  on my account in XXXX after the payment was {$130000.00}. While in forbearance the account balance reported to all 3 credit reporting agencies has increased monthly with being reported XXXX XX/XX/2020 with a balance of XXXX which does not accurately reflect what my monthly statements show and is incorrect. My mortgage account is also being reported to all 3 credit reporting agencies as in forbearance and the monthly payment status is not being reported as current but as no data available. My mortgage was current when I requested the deferment and per the CARES act for a federally backed mortgage should not be negatively affecting my credit and it is. As the balance increases, the acct forbearance statement XXXX is making on the reports and no data for the monthly payments how would this not negatively affect my credit. 

On XXXX XX/XX/2020, I called and reported that I was no longer being affected by a COVID 19 hardship and wanted to get my payments back on track but could not repay all at one time. The lady said that I could do a loan modification and the payments would be added to the end of my loan. I made a normal payment for XX/XX/2020 ( the amt I had previously paid ) however I recently found out that the loan modification 3 month trial will not begin until XX/XX/2020 and that any payments I make between now and then will be held in a " holding account '' until the 3 month trial modification begins. 

I am not sure why I need a trial loan modification when I am no longer under a hardship due to COVID 19 and can they legally hold a lump sum of money in some separate place not going toward my loan? If I have made the request to resume my payments why should they not be going toward my loan and the balance, yet they continue increasing my balance and reporting an increase to the credit reporting agencies that in not consistent with my monthly statements ( they report more than my statements say I owe ) and then hold my money in some secret account and say I can't begin a 3 month trial modification until XX/XX/2020 when I requested to get back on track on XXXX XX/XX/2020, making a payment on XXXX XX/XX/2020 that is not even going toward my account.

If the CARES act states that they can not negatively affect my credit they very much are negatively affecting my credit and holding my money.
Product: Credit reporting or other personal consumer reports

Early 2020, I was affected by COVID 19 Pandemic. Lost job, home, and was living out of car. With no income, multiple accounts became deliquent/past due. Without a means to contact any company, I was unable to call lenders/creditors to inform them of my situation and request accomedations. Late fees stacked up, accounts were charged off or closed. 
Mid to late 2020, I was able to get into an apartment and start bringing accounts up to current. I tried reasoning with each the respective lender/creditor to no avail. 
Eventually, in an attempt to repair my credit and undo what had been done, I fell victim to XXXX XXXX. For 2 years I waited with baited breath for them to do nothing. After a recomendation from a realtor, I utilised another credit repair company, XXXX XXXX. They made minor improvements in the beginining but then nothing for another year. 
I've attempted to handle things myself but things have become much worse. After my most recent direct dispute with the 3 major credit bureaus a lot has changed ( and not for the better ). Multiple accounts retain the missing payments ( from when I was affect by covid ) AND now positive payment history ( before and after the negative history ) has been removed. 
I thought the CARES act could help me as it did for others but, I'm at a complete loss for words and have no idea what to do now. 
The COVID19 outbreak led me to losing everything. I tried my best to get back up on my feet but have been stunted. I was financially crippled and struggled. It took until this past XXXX for me to finally have some semblance of freedom from debt but my credit score still suffers.
Product: Checking or savings account

Dear Sirs, I am writing to record my serious concerns about the check-printing service " XXXX, '' subcontracted to my bank Everbank. After my TIAA-CREF bank account was acquired, and I moved to a new state, I decided to reorder checks online via Everbank. This was yesterday, XX/XX/year>. I was sent by Everbank to the vendor " XXXX '' ( XXXX XXXX XXXX  ). At this site, I was not given the option to change my address for the checks, but I mistakenly assumed this service is connected to Everbank and thus would use my current address. However, once the order was completed, I found the checks were being printed with my old address and sent there as well. 

I called customer service at " XXXX '' immediately and was prompted to enter my routing and account number. The service there then told me to call my bank. I never spoke with a human being at " XXXX '' nor was given that option. I then called Everbank customer service to cancel the ordered check and have a new set sent to my current address. They did have good customer service, and that new order is on its way to me. 

However, today I received an email that the previous erroneous order is still being sent to my old address. This means access to my banking info will be in the hands of the new tenants there, and puts me at risk for identity theft. 

I don't understand why this very shoddy subcontractor " XXXX '' is able to operate as it currently does. It is behaving as a credible online vendor that can be entrusted with banking customer information.
Product: Checking or savings account

BB & T charged me {$1400.00} in overdraft fees from XX/XX/19 to XX/XX/19. I believe these fees were excessive. During that period I was laid off from my job and then I also had my hours severely reduced in another job. I am not disputing the amount of the fees. I am disputing that the bank should have denied me overdraft priveleges especially when I was in a negative balance for such a long time.This practice of providing overdrafts fees is predatory on people in my situation.
Product: Debt collection

My Credit Report indicates, Im past due for {$90.00} from CBE Group. I have not received any detailed billing under my name for {$90.00}. I need proof that this {$90.00} is legally my bill. I have a right to see proof that Im responsible for such amount. If this is true than why havent I received a billing statement. I have filed a dispute with the Credit Companies and filed a a Fraud Notice because the Credit Companies cant seem to identify what the charge is specifically for. I think its incorrect to mark up someones credit report without proof of charge or negligence in paying. I seriously 100 % doubt this bill is legally mine but I cant provide evidence if I never received an itemized bill. 

This could be a case of fraud. I have been living at my current residence since XX/XX/2017. 

Can you please assist?
Product: Money transfer, virtual currency, or money service

Received amount from friends to pay a company for help. Requested refund from company because they didn't help. Refund went through but funds are being held. PayPal is saying they won't release funds for 7 days. We need refund now.
Product: Credit reporting or other personal consumer reports

Account # XXXX opened-XXXX  XXXX amount- XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801. 

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA. 

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns. 

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX