23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting those accounts for. This has cause me great XXXX, stress, and financial hardship.
Product: Debt collection

In XXXX 2015, I entered into an agreement with the collector GC Services working on behalf of the Department of Education to rehabilitate my Federal Student Loan which had gone into default. The deal proffered by GC Svcs was for XXXX monthly payments and a fair amount of paperwork, after which my loan would come out of default and I could resume regular payments. At the time the agreement was entered into, I was not working and so the payment amount was set at {$5.00} per month. Over the last eleven months, GC Svcs has collected eleven payments at the agreed upon amount, on time, without exception. However, over the last eleven months, GC Svcs Collectors have contacted me about every 6-8 weeks to insist that I provide ever greater amounts of income verification, asset verification, forms, applications and submit to untold hours of answering the same questions over and over again on the phone all while threatening to change the payment terms of the original deal or pull the deal entirely. I have spoken with GC Svcs personnel ranging from Collectors to Managers and no one agent of GC Svcs has been able to explain the exact nature of the issue or the status of the agreement made in XXXX. GC Svcs agents have, although, gone to great lengths to obfuscate not only the nature of the agreement and the Student Loan Rehabilitation Program but their legal responsibilities as instrument of the Department of Education and my legal rights as a debtor. After contacting the DOE Ombudsman and the Default Resolution Group, I have been told that indeed, XXXX qualifying payments have been made but that for some reason, GC Svcs has not submitted my Rehabilitation Program paperwork to the DOE. A collection agency behaving deceptively is not remotely surprising but a collection agency acting as instrument for the United States Department of Education, proffering an agreement in their name and then mendaciously threatening to renege on said agreement all while collecting payments made in connection with that agreement is frankly, revolting. Having handled hundreds of thousands of dollars in medical bills in my life, I am no stranger to debt and I have been exceedingly cooperative and patient over the last eleven months with GC Svcs but my patience is at an end. At best, GC Svcs is incompetent and does not fully understand the role they have been contracted by DOE to perform. At worst they are acting with pure bad faith, using deceit and obfuscation to swindle college students out of their rights as debtors. It is my sincere hope that upon review, the CFPB, The DOE Ombudsman and the FTC will find GC Svcs unfit for continued engagement as a collection agency. I hope for this not because I want to escape my obligation as a debtor and not out of some vindictive impulse to be avenged, but because I - and a XXXX other financially strapped college students - deserve, at the very least, the dignity of an honest broker with whom to work.
Product: Credit reporting or other personal consumer reports

I have called XXXX XXXX ( XXXX ) XXXX multiple times and get transferred to multiple departments and no one at XXXX XXXX can seem to locate this erroneous duplicate account # XXXX or send me proof, that they are showing on my credit reports. 

It is very frustrating that no one at XXXX XXXX can even locate this information for me and furthermore delete this error. Again, I only had one loan with XXXX XXXX and it was paid in full and closed. That was account # XXXX in the amount of {$17000.00} and paid in full. I have no idea where this duplicate erroneous account # XXXX originated or who opened this account without my signature or knowledge. It is obviously an error/duplicate and needs to be removed from all three credit reporting agencies.
Product: Credit card

I am writing to bring to your attention a serious concern regarding the accessibility of services provided by Citigroup, particularly in relation to individuals with disabilities. Specifically, I recently signed up for a Citi Simplicity Card to take advantage of the balance transfer option, which offers 0 % interest on transfers for 21 months.

However, my attempts to seek clarification on the parameters of this offer were met with significant obstacles. Upon contacting customer service, I was confronted with a phone system that relies solely on voice recognition. Unfortunately, this system does not provide an option to reach customer service directly but instead repeatedly transfers callers to the fraud department without explanation. As someone who suffers from a neurological disorder in the form of a XXXX and XXXX, I rely on accessibility options to effectively communicate over the phone. This voice recognition system effectively prevents individuals with communication issues from speaking to anyone at the bank, as it defaults to hanging up if it can not understand the caller, rather than transferring them to a customer service representative. 

As someone who suffers from a neurological disorder in the form of a XXXX and XXXX, I rely on accessibility options to effectively communicate over the phone. Unfortunately, I found no such accommodations available during my interactions with Citigroup 's representatives. Despite my explanations and requests for assistance, I was consistently met with disregard and, in some instances, outright dismissal. 

My XXXX should not be a barrier to accessing essential financial services, yet I have been effectively prevented from managing my account due to the lack of accessibility options and the disrespectful treatment I received from Citigroup 's agents.
Product: Credit card or prepaid card

I, XXXX : XXXX on behalf of XXXX XXXX notified XXXX XXXX XXXXXXXX XXXXXXXX of Synchrony Bank by certified mail dated XXXX and XXXX XXXX instructing him to apply my principals balance to my principals account. I sent him my tender along with my instructions pursuant to the Bills of Exchange Act. I informed XXXX XXXX that it is not now, nor has it ever been, my intention to avoid paying any obligation that I lawfully owe. I am not refusing to pay. I am trying to set off this debt as instructed by law. My tender and instructions were refused on both occasions. 
I notified XXXX XXXX XXXX XXXX of Synchrony Bank by certified mail again dated XXXX and provided my tender and instructions. Again, XXXX XXXX failed to perform his fiduciary duty. I received letters from Synchrony Bank dated XXXX, XXXX and XXXX, stating that they do not accept my presentment. This is described as Dishonor pursuant to the Bills of Exchange Act ( Section 80 ). 
I notified XXXX XXXX XXXX XXXX of Synchrony Bank a 4th time dated XXXX, by registered mail and again instructed him to apply my principals balance to my principals account. I sent him my tender along with my instructions pursuant to the Bills of Exchange Act. Once again, my instructions were refused. Pursuant to the Federal Reserve Act ( Section 29 ), XXXX XXXX has shown a pattern of misconduct and knowingly breached his fiduciary duty ( Third Tier ). I would greatly appreciate any assistance you can provide in this matter.
Product: Credit card or prepaid card

Synchrony Bank ( operating as JC Penney Credit Services ) reduced my credit limit by 62 % for a payment not made within 8 days of statement. I could understand if they did this after 30 days, but it's been 8 days... EIGHT days. This is a breach of the contract I signed with this company. Their " Account Manager '' on a recorded call refused to explain why, giving lip service such as " your 8 day late payment prompted a a review of your account ''. I've had credit for 15 years - NEVER ONCE has a company ever committed such blatant disservice to a LOYAL PAYING CUSTOMER. I could also understand if I had " bad payment history '' but I do not. Going far back as when I opened the account initially a few years ago, I always have made my payments each month. From time to time I may have had to pay a couple weeks late waiting for a paycheck to hit my bank, but have ALWAYS accepted and paid the late fee without question. Never has my account ever with this company gone 30 days past due. 

To treat a customer in good standing like this, and then to give some lip service about the decision being made to reduce it based on other factors when I have NOT applied for new credit with them, nor have I requested a credit line increase is blatant BAD BUSINESS PRACTICE. This company should be ashamed, and frankly this treads into legal waters which they have clearly not taken into account.
Product: Debt collection

I received a collection debt from a company name Capital account LLC debt collector. For the amount of {$78.00} In behalf of XXXX XXXX XXXX XXXX I have never been at this clinic, I have never incurred in this debt Iam concern about this situation, and I need to straighten this up. 
Thank you for taking the time to help me clarify this issue. 
Kind regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAUS REFUSE TO REMOVE LATE NOTICE AFTER SEVERAL ATTEMPTS MADE BY " XXXX XXXX '' SUPERVISOR OF LOSS MITIGATION ; HE HAS SENT THEM NEW " AUD '' ON UNIVERSAL DATA FORMS, LETTERS, ETC. XXXX XXXX IS NOT COOPERATING IN REMOVING THIS LATE NOTICE AFTER SENSITIVE DOCUMENTS HAVE BEEN SENT.
Product: Checking or savings account

XXXX I sent the information requested the next day to Navy Federal after someone called me and I never heard back from them
Product: Credit reporting or other personal consumer reports

My account was late based on a special circumstances ( hardship ) all fees were waved ( 1 time exception ) but my credit reports late 30 days
Product: Debt collection

I have been denied loans and credit cards, due to my credit report/history. XXXX XXXX XXXX reported the wrong amount to National Credit System for collections. I have reached out to the company and requested my lease for XXXX to prove I signed a six month lease and the ledger. I was only provided the ledger and was told someone would contact me regarding the lease. I have been waiting for a response since XX/XX/XXXX. 

In XXXX I moved into the property under a different owner and paid 2.5 of rent amount which was roughly {$2100.00}. ( XXXX ) for deposit amount. The property was sold to XXXX XXXX about 3 months into the lease agreement. Which caused my rent to increase to XXXX. My lease expired XX/XX/XXXX. I was experiencing a financial hardship and decided to request a month to month lease, which was denied. There for I was approved to sign a six month lease. 
However ; unforeseen circumstances took place and my family had to vacate the premises in XXXX which was within 4 months of that six month lease agreement. I discovered I was wrongfully charged the remainder of the year XXXX. I understand that I currently owe National Credit System a balance of XXXX including the month of XXXX and XXXX. My second concern is my full deposit amount of {$2100.00} which was not applied to the balance owed of {$4500.00}. 

Per XXXX XXXX XXXX my deposit amount was only XXXX and I owe XXXX after deducting the past due balance which is incorrect. The reported amount of {$6800.00} to National Credit System is not the correct amount.
Product: Checking or savings account

I opened up a checking and savings account. I had to transfer XXXX every first of the month. If not i was charged a fee. I was also charged a fee for not using my debit card 10 times in a month. But i would pay bills and use my card online just not in a actual store. And also sold our personal information without our permission
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear SELF/XXXX, I am writing to address the unauthorized reporting of information to my credit report, which is a blatant violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws as per Missouri statutes, including Sections 570.223 and 407.020 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that SELF/XXXX  has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Specifically, Section 570.223 of the Missouri Revised Statutes outlines the unlawful use of personal information, which includes unauthorized access and reporting of credit information. Section 407.020 of the Missouri Revised Statutes further prohibits deceptive and unfair practices in trade and commerce, which encompass unauthorized credit reporting activities. 

I assert with unwavering certainty that I have not provided consent for SELF/XXXX  to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand that SELF/XXXX  immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 570.223 and 407.020 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud statutes. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELF/XXXX  will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : MIDLAND CREDIT MANAGEMEN Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is reporting wrong credit score to me! 
They don't update credit scores every month and fail to report payments on time as well! 
I contacted XXXX XXXXXXXX XXXX many times to fix this error but each time they said they will and never did! 
They show a credit score of XXXX where Experian who provides them with credit score shows XXXX! 
I contacted Experian and they said to me XXXX XXXXXXXX XXXX  has not updated my credit score since XXXX of XXXX! 
How does XXXX XXXX XXXX manage to report false credit score on my mobile app!! 
They are not fixing this!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XX/XX/XXXX {$8900.00} XX/XX/XXXX {$8900.00} CHARGE-OFF {$4000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$340.00} XX/XX/XXXX {$340.00} CHARGE-OFF {$1000.00} equifax wont remove these fraudulent accounts
Product: Money transfer, virtual currency, or money service

Yes my Cash App was breached and apparently I was giving Cash App my personal information when this scandal was going on. I was hacked out of {$3800.00} as a whole and I quite find the situation unfair. As I reported it to Cash App they auto declined my dispute and banned my account immediately without any of my control and never got back to me on the situation or has told me anything. It was hard to go through this in general without speaking to someone to help.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

I received an email that a card through PayPal was opened in my name without me applying for it. My only resolve was to close a PayPal account I opened 25 years ago. This business PayPal credit card has XXXX credit limit. PayPal did not check with any credit bureaus where all of my accounts are frozen to prevent fraud. I need this fraudulent card application deleted and the card account destroyed. I did not apply for this business credit card. Someone illegally applied under my name and the proper measures were not taken running a credit check with XXXX, XXXX and XXXX where all of my accounts are frozen
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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: Mortgage

- I originally reached out to Wells Fargo on XX/XX/XXXX to apply for a refinancing of the mortgage they currently hold. 
- XX/XX/XXXX I submitted my application - XX/XX/XXXX -I Paid an upfront fee of {$550.00} which was to be applied to the survey - XX/XX/XXXX All documentation and paperwork were completed by XX/XX/XXXX. 
- XX/XX/XXXX that my loan was submitted for approval and final decisions should be forthcoming within a week. 
XX/XX/XXXX Notified My loan was rejected due to the debt to income ratio. 

I have a better credit score now than I did when I was last approved less than 1 year ago. Since then I've eliminated a different monthly mortgage payment of {$800.00} and this would reduce my current mortgage by {$400.00}. My year over the year XXXX P & L reflects higher income than XXXX. 
My current APR is 4 % and it would be reduced to 3.25 % Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX auto account is settled and the account needs to be updated in all of the credit bureaus. Still showing negative. Please correct this matter. I have been patience now its has to go now. 
Thanks very much Pleased with your help with concern
Product: Mortgage

* THIS COMPLAINT IS NOT A DUPLICATE * THIS COMPLAINT IS REFERENCING XXXX IN EXCESS OF AMOUNT NEEDED THUS RESULTING IN EXCESSIVE PREMIUM CHARGE PAID FROM MY ESCROW ACCOUNT THIS COMPLAINT IS FURTHER INFORMATION DISCOVERED AND IN APPEAL TO THIS YEARS PREVIOUS COMPLAINTS IDs ( ALL SAME PROBLEM ) XXXX XXXX XXXX XXXX I WILL NOW NEED THE OVERSIGHT OF CFPB TO INSURE VALID, MERIT BASED, RESPONSES FROM BANK IN ORDER TO INSURE COMPLIANCE WITH XXXX AND CFPB RULES, REGULATIONS AND ORDINANCES. 

IT SEEMS IN PAST COMPLAINTS CFPB HAS FILLED MORE OF A ROLE OF PASSAGE OF PAPERWORK FROM BORROWER TO LENDER AND VICE VERSA.WITH LITTLE REGARD FOR CONTENT I NOW NEED THE OVERSIGHT OF CFPB AND OCC IN COMPLAINTS AND RESPONSES.

ANY ADDITIONAL FILES OR DOCUMENTS NEEDED ARE AVAILABLE UPON REQUEST AS I DO NOT WANT THIS COMPLAINT REJECTED DUE TO FILE ( S ) UPLOAD SIZE.
Product: Mortgage

Some OCwen home loan servicing has paid my taxes on my property and my name : XXXX XXXX XXXX has been removed. 

I have not taken steps to remove my name from official records. 

This is a fraud on my title. 

I