23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 I received a letter from XXXX XXXX XXXX  regarding the account XXXX which claimed that I owed them {$11000.00} and thus far they have illegally taken XXXX The amount alone shows that interest rates in excess of the amount allowed by the SCRA and Military Lending Act have been applied. Further the denial and ostensible shrouding of the the perpetuated " law firm servicing '' is an unconscionable and illegal burden to put on a veteran of the untied states.. 

I state illegally, as all of the correspondence sent to me stated my account and seized payments had been turned over to a law firm for servicing. However the correspondence never identified said law firm, nor provided any way for my to request validation of the debt, make arrangements and make sure it is within legal collection timeframe. 

Further, as a veteran, they refused to provide me with a breakdown of the original debt and interest amounts, nor a legitimate avenue to procure the aforementioned. As shown in the attached payment statement from XXXX XXXX XXXX, This creditor has violated the SCRA, CFPB regulations and the Military Lending Act.
Product: Debt collection

I received a letter from XXXX XXXX about a debt in the amount of {$4700.00} for PayPal.I received the letter XX/XX/2021. I have never had a account with Paypal and will never. I am reporting Identify Theft in my name.
Product: Credit card or prepaid card

My credit card was stolen and used to make the below purchases ( date / amount / store ). As soon as I realized the card was stolen, I contacted Chase to cancel my credit card and get refunded for the fraudulent transactions. After " reviewing '' the situation, Chase claimed that the transactions were not in fact fraudulent without any rationale. 

XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( XXXX ). Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ) and under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. you are required by Federal law to Verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, this unauthorized public record information needs to be deleted. I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim you failed to respond within 30 days with verifiable proof and evidence thats satisfies Federal Trade Commission debt validation guidelines. The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. Since you have failed to provide me with ALL the following points of information all collection attempts must stop and all information that pertains to Account Number :, Name, DOB, SSN must be deleted /IMMEDIATELY REMOVE : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 2. The agreement bearing my signature stating that I have agreed to assume the debt from original creditor 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations in ( Iowa ) has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent or Agent of Service. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees.Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.
Product: Checking or savings account

I closed a savings account at PNC bank. I asked for closing account disclosures. I was told PNC Bank does not offer account closing paperwork by two employees. I then called a week later and asked the branch banker that closed my account for my account closing disclosures and told they would be mailed to me. It is over a week now and no closing disclosure paperwork. UMM Excuse Me I worked at PNC Bank for 14 months there is closing account disclosure paperwork. I was told by law I am to give to all customers even if they do not want them, I have to offer to give them to the customers. This is a violation and just lazy employees. I Want My Paperwork!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to XXXX, Equifax, XXXX   and XXXX multiple times starting XX/XX/2018 to XX/XX/2018 asking them to verify the Chapter XXXX Bankruptcy information in my credit reports. The response I get from them is a letter saying that they verified the Bankruptcy, or it was certified by the Bankruptcy Court, and that it is valid per a third party source. I sent another letter requesting documentation for accuracy, and I still get the same response saying it was verified. So, I sent a certified letter to the courts asking for information on them reporting to credit reporting agencies. I received a letter back from the Bankruptcy Court stating that they Do Not Report, or Verify any information to Credit Reporting Agencies. I then sent the letter I received from the Bankruptcy Court to XXXX, Equifax, XXXX and XXXX, and they still comes back with the same response, that it was verified. So, if the court did not verify or report the information it should not be reporting on my credit reports.
Product: Debt collection

Hello, today XXXX I received a call from XXXX XXXX about a collection owed, I told the person I would pay the remaining debt off but things came up to where I couldn't. I told him I can pay him {$100.00} on Friday XX/XX/2024, he proceeded to tell me that instead he is going to have his lawyer file a law suit. I was telling him stuff happens and I am a single mother of XXXX children and could not pay it all off at one time, he talked to me and threaten me to file a lawsuit and it made me cry because I am already getting garnished and for him to talk to me like that was unacceptable and he hung up in my face. The company is XXXX XXXX XXXX
Product: Credit reporting 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 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Student loan

I am submitting to your attention a complaint that involves alleged private student loans that Sallie Mae/Navient and XXXX XXXX  claim existed. Both SallieMae/Navient and XXXX XXXX  are claiming these alleged private loans existed and have been collecting on these loans since allegations began. XXXX now holds the alleged private loans formerly held by SallieMae/Navient XXXX I have included attachments that reflect supportive documentation that such alleged private student loans may have been fraudulently created and/or misclassified. These alleged private loans were initially classified as federal student loans and were re-classified as private loans with different ID and account numbers. 

Numerous phone calls were made to SallieMae/Navient and XXXX XXXX  with requests to justify the existence of the alleged two private student loans to no avail. XXXX XXXX attempted to justify collecting on a duplicate set of these alleged private loans. I requested specific documents from both Navient and XXXX XXXX  that would help support the allegations of private student loans/disbursement. A review of the information received did not support the allegations that there were private student loans nor actual proof of disbursement. 

Contesting repeatedly to SallieMae/Navient and XXXX XXXX  that I felt the alleged private loans were not valid loans and that these alleged loans may have been intentionally/unintentionally misclassified, I thoroughly searched my own records, made several telephone calls to the University, Department of Education, and Federal Student Aid Office seeking proof . The University confirmed there were never any private loans disbursements- only federal loans supported by information submitted and that they would have to approve any private loan requests/disbursements. There are no records of any alleged private student loans with supportive documentation in my files nor the files of those queried. SallieMae/Navient and XXXX are the only ones alleging such loans existed and information submitted is both questionable and does not support their allegations. 

The following attachments were based on information derived from the Department of Education and from SallieMae 's records.Reflected in attachment # 1 is documentation which shows similar dates/amounts of " federal student loans '' that SallieMae/Navient and XXXX XXXX  claimed were private student loans. Attachment # 2 shows federal loans, not disbursed, around timeframe reflected in their document submissions to me. Finally, from SallieMae 's records, attachments # 3 & 4 clearly reflect that the alleged private loans were originally classified as " Federal Plus Loans. ''
Product: Student loan

XX/XX/2018 I resubmitted my income foe my repayment plan. My income has only gone up by {$1000.00} last year my payment was {$79.00} this year it is {$540.00}. I have call a number of time trying to get this worked out. Navient keeps telling me my income has gone up {$29000.00}. I do not understand how my income going up by {$1000.00} cam more then triple my payment. I have renewed mt income the same way every year. studentloans.gov the IRS pulls the XXXX over and then submits it to Navient. I need hepl in this matter as my income has only increased by {$1000.00} and can not afford to pay XXXX each month.
Product: Debt collection

I checked my cred it report and it now shows a debt from a collection company I have no knowledge of this debt that is in the amount of {$350.00}. The original creditor was XXXX and it is indicating that the the debt was made in XX/XX/2015???
Product: Mortgage

21st Mortgage is in violation of Fla. Admin. Code Ann. R. 69O-167.009 - Mortgage Property Insurance Requirements Limited XXXX The insurance requirement they are asking for is impossible to find due to the coverage they are looking for going above and beyond the replacement value of the home. We have been told by insurance companies, insurance agents, other lenders, and realtors that their requirements are impossible to meet in Florida. This statue has been sent to them by some of these parties. We do not receive an appropriate answer as to why their requirements are so high. Our insurance carrier, offered us the required amount, and a week later changed it because, upon review, the coverage amount requested is above and beyond the replacement value of the home and they are unable to do so. Because 21st Mortgage have found us in " violation '' of their insurance requirements they will assign their own insurance that will likely double our premiums. We have been told by several parties that they have not seen a requirement like this before and in all their years of practice does not make sense to them.
Product: Credit reporting or other personal consumer reports

I have a few fraudulent accounts appearing on my credit report. 
1. XXXX XXXX XXXX  XXXX {$470.00} 2. XXXX XXXX XXXX {$28000.00} 3. XXXX XXXX {$7800.00} 4. XXXX XXXX {$10000.00} 5. XXXX  {$17000.00}
Product: Credit card or prepaid card

I opened a Paypal Credit account. I later realized it was through Synchrony Bank not actually PayPal. 
I made a purchase to XXXX XXXX on XX/XX/XXXX for {$290.00}. When I got my statement it showed a " cash advance '' charge. I had never made a chash advance so I was confused and called for clarification. They reported it as unrecognized. They returned my money to my Synchrony account and took the money from XXXX XXXX. I then realized what it was and called them back to verify the charge. They recharged the amount to my Synchrony account on XX/XX/XXXX. However, they never paid the money back to XXXX XXXX. 25 phone calls, interest charges and hours of time later XXXX XXXX still does not have his money a year later. Paypall tell me to talk to Synchrony. Synchrony tells me to call Paypal but they will not actually talk to each other.
Product: Credit card

Dear CFPB, I am writing to file a formal complaint against Capital One, which I believe is engaging in illegal business operations that defraud customers, particularly those with sub-prime credit ratings. I am XXXX of the victims of this unscrupulous scheme. 

Capital One entices customers with sub-prime credit ratings to apply for secured credit cards, requiring a security deposit to be debited from their accounts. However, once the deposit is received, Capital One frequently closes the customers ' accounts under dubious and unlawful pretexts. They then retain the security deposit for an extended period, allegedly to process and mail it back to the customer. 

This practice allows Capital One to unlawfully accrue significant financial interest on the held deposits, exploiting the customers without incurring any business costs. In the current high-interest-rate environment, the financial impact is considerable. Assuming there are XXXX victims, each with a {$1000.00} deposit, Capital One stands to gain millions of dollars in interest. 

This conduct is not only unethical but also illegal, as it constitutes an unauthorized and illicit means for financial institutions to generate interest income. Such actions are explicitly prohibited under XXXX financial regulations, and it is imperative that the CFPB investigates these practices to hold Capital One accountable. 

I request the CFPB to initiate a thorough investigation into Capital One 's business practices concerning their secured credit card program. The aim should be to uncover and address these illegal activities, ensuring that Capital One ceases to exploit its customers in this manner. The integrity of our financial system depends on the accountability of institutions, and it is crucial that consumer protection laws are enforced without bias toward large corporations. 

Please do not shield the financial giant while leaving the citizens they exploit to suffer. Your immediate and decisive action is needed to protect consumers and uphold the rule of law. 

Thank you for your attention to this urgent matter. I am available to provide any further information or testimony required to support this complaint. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I applied for a lease buy out with RefiJet at the beginning on XX/XX/XXXX. I was assured everything was great, I got approval from the bank, my credit score was checked and I got a hard inquiry on my report. 

2 weeks go by and I followed up several times, every day for 5 days, never hearing back from my agent or anyone at Refijet. 

Finally after calling for a 6th time, someone told me they were not going through with my loan because my manufacturer wouldn't allow it. 

I think it's extremely unprofessional to put a customer through this. At least have the decency to return a call or give an update when the loan wasn't going to go through, I could have found other options in this timeframe instead of wasting my time and dragging this process along and also now I have to run my credit again for another hard inquiry.
Product: Mortgage

XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX. 

XXXX, WA. XXXX RE : Midland Mortgage XXXX XXXX XXXX XXXX  XXXX, OK XXXX Account # XXXX On XX/XX/XXXX, I initiated a letter of grievance to Midland Mortgage to dispute the handling and timing of my mortgage account. They told me I would receive a reply in 30 days. To date I have yet to receive an answer to my grievance. 



Timeline XX/XX/XXXX I moved into my house via a VA loan through XXXX XXXX. 

XX/XX/XXXX Midland Mortgage buys my mortgage from XXXX XXXX, I didnt like that. 

XX/XX/XXXX M M offers me a forbearance for one year due to Covid pandemic. The agreement was put that year on the end of my 30-year mortgage. 



XX/XX/XXXX M M suggests I apply for a grant from the state of Washington. That would pay for the forbearance year. I took the necessary channels and applied to XXXX XXXX. I was told it would take a couple weeks. 

XX/XX/XXXX - XX/XX/XXXX M M reports my account as negative and none paying to the three credit bureaus. WRONG. 

XX/XX/XXXX - XX/XX/XXXX Washington state granted me the grant for {$39000.00} and forwarded said funds to M M. 

XX/XX/XXXX I called M M to request documents on my home for tax purposes. They said we cant honor my request because they didnt post the monies to my account until that day! WRONG It has been nearly 60 days since my grievance was filed and no reply. I seek a correction to the reports submitted to the three credit bureaus. I would like my XXXX points lost on my XXXX score returned. I seek restitution for my pain and suffering. I asked them to adjust their calculations, to put XXXX at the end of my contract and start new XX/XX/XXXX. 

Please CFPB, I seek your help in this matter. 



Sincerely, XXXX
Product: Debt collection

Congress Collection XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. I reviewed my credit report and it droped 33 points Congress Collection was on my report for {$51.00}, I never received any documents or bill in the mail. I contacted Congress Collection and got there agent XXXX XXXX he stated I owed {$130.00}, things are not right he said I owed for year XXXX, and XXXX. My credit is good I pay my bills! I called XXXX which is my insurance provider they stated your responsibility is {$5.00} from XXXX? I called XXXX XXXX thats where the bill originated from spoke wit XXXX he stated I only owe {$5.00} XXXX. Congress Collection pulled my credit score down and is trying desperately to scam me out {$130.00}. XXXX XXXX that works there is a bottom feeder! Please help me its XXXX where has this bill been? I asked that they send me a bill XXXX want send me any paper work on this matter, my credit is suffering over {$5.00} credit report say {$51.00} and XXXX says {$130.00} the actual debtor XXXX XXXX says {$5.00} please help me to stop this company from scamming people out of there hard earned money and destroying my credit!
Product: Debt collection

Debt was disputed, the debt collector refused to respond or cooperate with dispute. 
Debt amount is incorrect and old, yet is still on the credit report stating false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 



The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$850.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been using credit karma And they have been given misleading information telling you that you are pre approved for a credit card once you apply for it it denies you And I'm very upset because why are they giving miss leading information Which is causing me to have a negative impact on my credit score and stopping me from getting a loan for certain things as a consumer I expect that the information at credit karma was telling me was accurate Or less I would not apply for these things if I knew it was going to give me a bad credit score So as a result of this I need monetary damages from credit karma As a result of this