23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Notification and Request for Action Dear EXPERIAN I am writing to notify you that I am a victim of identity theft and to formally request that you take the necessary actions as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This letter serves as an official notice of fraudulent activity and a request to place a fraud alert and block any fraudulent accounts associated with my name or personal information. 
Details of the Identity Theft : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last 4 digits ) XXXX Address : XXXX XXXX  XXXX XXXX I have already filed a police report regarding this matter. Please find the details of the police report below : Police Report Number : XXXX Date of XXXX Issuing Police Department : XXXX POLICE DEPARTMENT In accordance with the FCRA, I request that you take the following actions : 1. Place a Fraud Alert : Please place a fraud alert on my credit file as required by the FCRA. This will help prevent further fraudulent accounts from being opened in my name.

2. Freeze or Block Fraudulent Information : Please block any fraudulent accounts that have been opened in my name. This includes any credit or loan accounts that were opened without my knowledge or consent. 
3. Provide a Copy of My Credit Report : I am requesting a free copy of my credit report as I am entitled to one under the FCRA after reporting identity theft. Please send me the report at the address listed above.

I have enclosed a copy of the police report, my government-issued identification, and any other documentation that may assist you in investigating this matter.

Please confirm in writing that the fraud alert and account blocks have been placed and provide me with updates as you proceed with your investigation. I would also appreciate it if you could inform me of any other steps I need to take. 
Thank you for your attention to this urgent matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX FRAUDULENT ACCOUNTS : ALL OF THESE ACOUNTS ARE FRAUDULENT XXXX- ACCOUNT NUMBER XXXX AMOUNT {$1000.00} XXXX- ACCOUNT NUMBER XXXX AMOUNT {$1500.00} CONSUMER ADJUSTMENT XXXX XXXX -ACCOUNT NUMBER XXXX CONSUMER ADJUSTMENT XXXX XXXX- ACOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER- I XXXXXXXX XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX- ACOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ( XXXX XXXX ) -ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lates from XXXX and XXXX from XXXX XXXX. These lates were added 30 days ago and are incorrect. I have not missed a payment nor been late within the last 7 years. If there is proof please provide proof where this was paid late. Please do not verify this by word of mouth. I want documents, I will be filing a complaint with the cfpb immediately. These lates were not present for 60 days therefore they never existed.
Product: Mortgage

I am the current mortgagor of a property in Pennsylvania serviced by Shellpoint. On XX/XX/XXXX and XX/XX/XXXX, i received Notices from Shellpoint as a servicer for XXXX XXXX providing me with a notice of default and intent to accelerate due to my failure to make timely payments on my mortgage. Exhibit A. The Notices that Shellpoint sent to me, however, fail to comport with Sections 403 ( c ) ( 3 ) and 404 ( a ) of Pennsylvanias Loan and Interest Protection Law ( Act 6 ), 41 P.S. 101 et seq., because they fail to include statutory mandated language, including inter alia, that I had the right to cure my default and reinstate my mortgage at any time at least one hour prior to the commencement of bidding at a sheriff sale or other judicial sale. 41 P.S. 404 ( a ). As a result of Shellpoint and U.S. Banks violation of Section 403 ( c ) ( 3 ) of Act 6, everyone including myself are entitled to damages under Section 504 of Act 6. Muir v. AM Sols., LLC, No. 18-729, 2019 U.S. Dist. XXXX 129089, at *38 ( E.D . Pa. Aug. 1, 2019 ).

Further, the Notices that Shellpoint sent to myself and anyone else in pa violate 1692e ( 5 ), ( 10 ) and Section 1692g of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and Sections 2270.4 ( a ) and ( b ) ( 5 ) ( v ) of the Pennsylvania Fair Credit Extension Uniformity Act ( FCEUA ), 73 Pa. Stat. 2270.1, et seq., because Shellpoint : ( 1 ) Threatens to foreclose based on noncompliant Notices ; ( 2 ) Uses deceptive means to collect a debt based on noncompliant Notices ; and ( 3 ) Fails to include a debt validation disclosure in the Notices.

As a result of Shellpoint and U.S. Banks violations of the FDCPA and FCEUA, my patty thinks im also entitled to damages pursuant to Section 1692k of the FDCPA and Section 2270.5 of the FCEUA, as enforced under Section 201-9.2 of Pennsylvanias Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), 73 P.S. 201-1, et seq. See e.g., Hall v. Nationstar Mortg., LLC , 255 F. Supp. 3d 625, 634 ( E.D. Pa. 2015 ) ( Denying Defendants motion for summary judgment in a class action alleging that their defective Act 6 notices constituted a violation of the FDCPA. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX And XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX  : {$980.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$24000.00} ; XXXX XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  XXXX {$13000.00} ;
Product: Credit card or prepaid card

I called Chase to submit a dispute against XXXX XXXX charges in XX/XX/2020 because I was promised and owed a refund by XXXX XXXX for flights that were cancelled. Chase gave me a temporary credit for the charges and then in XXXX told me that the dispute was resolved and the credits were permanent. Fast forward to XX/XX/2020, I receive letters in the mail saying that the two credits of {$670.00} were taxable and that Chase " consider the charge valid '' and " issued a courtesy credit ''. I'm thinking, how is this taxable if I'm owed a refund? I called the dispute team and the representative told me that the charges were valid because the airline had responded with their non-cancellation ticket policy even though I told the representative that I had called XXXX XXXX and they have notes on the itinerary that my flights were to be refunded. He even suggested that I was not telling the truth and that there was nothing they could do. I called back in a few days asking for a supervisor and she told me the same thing that there wasn't anything I could do. Now fast forward to XX/XX/XXXX, I finally received a confirmation letter from XXXX XXXX saying that they had refunded my flights ( after I submitted a complaint to the DOT ). However, they shorted me on one of the refunds. They were supposed to refund {$670.00} but only refunded {$490.00}. The issue with this experience is that the disputes department did not do their due diligence and sided with XXXX XXXX and told me there was nothing they could do even though XXXX XXXX had notes on my itinerary that showed I was owed a refund. But now I have an email from XXXX XXXX showing that they were going to refund my flights. It shows that Chase was wrong to side with XXXX XXXX and did not handle this case properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed XXXX {$19.00} XXXX XXXX XXXXXXXX Balance Owed : {$32000.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

Someone is calling from Convergent and is breathing heavily over the phone and even left a voicemail breathing over the phone. 

I ask to settle the debt when calling them back but, someone will call me again just breathing over the phone and it is scary and making me very uncomfortable.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 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 am a victim XXXX XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXXXXXX BALANCED {$870.00} XXXX  XXXX BALANCED {$4200.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$11000.00} XXXX  XXXX XXXX BALANCED {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$310.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX BALANCED {$170.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$950.00}
Product: Credit reporting or other personal consumer reports

I have no association with the listed creditors and did not authorize these inquiries. I request an investigation into these inquiries and their removal from my credit report as soon as possible.
Product: Student loan

SallieMae loan company stated to me directly on XX/XX/year> that they purchased information about me from the internet to contact family members and friends who are not associated to me other than last name about my loan. These people have never had any influence in my personal/professional/educational life, however have contacted me after receiving phone calls regarding information about me and my loan/financial institution, making it clear that they are disclosing information to other people. They contact me regularly, even after conversing about the reason for non-payment and I receive one call a day every day. The longest period without contact was 5 days from the last time I spoke with this lender about my financial health.
Product: Debt collection

Spotloan is not licensed to issue usury interest transactions in the XXXX,, they can not collect an illegal transaction the interest rate was 800 % I am XXXX XXXX XXXX and did not know about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very clear that XXXX and Experian are providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 my chime account was frozen due to suspicious activities. I emailed Chime and was told to send them my ID and other documents which I did. I also sent proof that I was an authorized user on all external accounts. Since then i have been emailing back and forth with chime and I havent made any progress, I have sent Chime upwards of 30 emails. Every time i email Chime i always get the same generic email response from a different representative, it seems like no one even acknowledges what Ive said in previous emails. I have sent my ID, and proof that i am an authorized user on all external accounts at least 10 times. 
I also have the same issue whenever I call Chime. Every time i call i am told the issue has been escalated to the higher up department but nothing ever comes from that. I have had my issue escalated more than 10 times. Also when ever I call and ask to speak to the department i have been emailing, I am told Chime fraud department doesnt have a number i can call or be transferred to. It is all done through email, but emailing gets me no where.
Product: Student loan

As a co-signor, I am authorized on my son 's account. We had XXXX Private Student Loans with XXXX XXXX. XXXX loans were combined as a Group on XXXX invoice and we always sent XXXX payment that was pro-rated between the loans. But after the loans were transferred to Navient, NO PAYMENT made in 2015 has ever been posted properly. 

I called Navient in XXXX and again in XXXX to ask that the account be fixed, but nothing ever happened. So in XXXX 2015, I wrote a letter with very detailed Excel spreadsheet attached showing how payments Were vs.Should Have Been applied. 

Instead of correcting the mess, Navient replied that our accounts are in XXXX Standing and that if we suspect that payments have n't been applied appropriately, then please contact them!!!! It 's insanity.
Product: Debt collection

Hello, I would like to make a dispute of The XXXX $ That XXXX  its charging me thru you guys. I only had the service for XXXX weeks because the give me a Free trial. Because i didnt like it I returned the equiment after all. they told me that everything was fine i didnt needed to pay anything else. After acople of months they took XXXX $ dollar out of my XXXX because I had auto pay. I went to a verison store and they told me it was a mistake because in the account was showing that I Did not return the equiment but i was fixed. Then they took the money again. I went to the store XXXX more time and they " Fixed " again. 

Now im in collection for something that I dont even have or owe. 

Can somebody help me with this?
Product: Credit reporting or other personal consumer reports

XXXX XXXX In Care Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Maryland [ XXXX ] XXXX ( XXXX ) XXXX XX/XX/2024 Subject : Formal Complaint Regarding Deceptive Practices Causing Consumer Harm Dear TransUnion, I am writing to bring to your attention a matter of utmost concern regarding deceptive practices. 
After reviewing my credit report, I noticed that there were inaccurate accounts and information on my consumer report. The consumer reporting agencies never gave me the right to opt out, furthermore they never asked for my permission to furnish this information. Further they have assumed this vital role and have infringed upon my right to privacy by selling my information to a 3rd party debt collector : Pursuant to 15 US Code 1681 ( 4 ) my privacy has been invaded and damage has been done.

The deceptive practices employed by the credit reporting agencies have inflicted a range of damages, creating a ripple effect across various aspects of my life. The damage that arose to my mental health : Financial losses have been incurred as inaccurate information has affected my ability to obtain credit, leading to higher interest rates and restricted access to financial opportunities. The emotional distress resulting from these inaccuracies is significant, as I the consumer grapple with the consequences of false credit reporting, affecting my ability to secure loans or housing. Moreover, the reputational harm stemming from misleading credit reporting has led to strained relationships and a diminished sense of financial security. These deceptive practices not only undermine the integrity of credit reporting but also inflict tangible and intangible damage to my consumer report. 

I demand an immediate cease and desist and corrective action of any inaccurate credit reporting pertaining to my profile, in accordance with the provisions of the Fair Credit Reporting Act. 
I anticipate your prompt attention to this matter and expect a comprehensive response within XXXX business days of the date of this letter. Please address all correspondence related to this complaint to the email address provided above. 
Thank you for your immediate attention to this critical issue. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Received a confirmation from the Vanguard XXXX , XXXX dated XX/XX/20 of approximately {$63000.00} being " transfer to another account ''. Vanguard later confirmed this was their error. Neither I nor my wife initiated this transaction. It was eventually corrected. However, since I had a previous experience with Vanguard of approximately {$220000.00} gone missing and subsequently corrected, I asked Vanguard what action would be taken to better safeguard my funds. Vanguard called and indicated that they would not share any information regarding actions they may or may not take to enhance the security of my funds.
Product: Debt collection

This company never provided chain of authorization as it's my consumer right to request. They also were given notice to cease and desist all contact with me. They persisted to send me text messaged attempting to collect a debt after the fact.
Product: Credit card

There is no simple way to click on Bank of Americas website to set up Auto Pay. You have to go thru BillPay, and when I do, it makes you jump thru additional hoops such as having set up e-statements first and when I try doing that, it shows my address in red as if it doesnt recognize it. This is forcing me to sign up for e-statement when I dont want to. This should not be a prerequisite to set up Auto Pay.

This is all done to make it difficult to set up autopay. Autopay should be its own function, where I can input in the routing and account number from where I want the money to be taken out.

Plenty of other banks do this, they dont make you jump thru all the different hoops BofA does, trying to make it difficult to simply sign up for Auto Pay to make sure you are never late. 

I believe this is their way to collect late fees and then ultimately blame the customer for not jumping thru unnecessary and illogical and unrelated hoops to activate Auto Pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. 
These companies have REFUSED to work on disputes even though they are required by law to do so.
Product: Debt collection

I only knew about this alleged dept by checking my credit score. There are two accounts on there from Simon 's Agency with no additional information other than an amount and hospital name. I have made several disputes and have received no response. I had also submitted an XXXX proving I was insured and this alleged dept is false.
Product: Payday loan, title loan, or personal loan

In 2018 I got a loan from " SPEEDY CASH '' in XXXX, CA fro {$5000.00} which I was making monthly payments on it ; then I lost my job and I couldn't pay the amount I was told, I went to their office to try and making a new payment arrangement but they denied me that help, they told me to wait and the more I waited the more interests it accumulated, this company charges ridiculous interests very very high ; which is 131.571 % annual, and every time I did a payment I never saw the total amount going down it was always the same because of the excessive interests, after the help was denied, I noticed they put me on collection with adding {$1500.00} more to the interests ; I called the collection company " XXXX  XXXX XXXX XXXX  '' and I try to do a arrangement and they also denied me help after that this collection tried to cash a check for {$6300.00} from the account without my autorization ; I truly ignore the very high annual interests, Speedy Cash Loans is a very bad company I will never recommend this to anybody ; for {$5000.00} you will end up paying the ridiculous amount of {$23000.00} after you are done with all the payments, meaning that the Financial charge is {$18000.00} plus the {$5000.00}.
Product: Debt or credit management

I have recently received paperwork from them that I have misplaced and I have no idea what it said I need it sent out again please I heard that they were supposed to be compensating people for charging them for charges they should not have been charged for could I get a copy of that and could I get a refund for the charges?
Product: Debt or credit management

XXXX XXXX is providing inaccurate information regarding my credit report including XXXX credit agencies. unauthorized information needs to be removed immediately due to inaccurate information in the following sections comments, date last active, last reported, high credit, month ( term ), and account type. this information in false and inaccurate and needs to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report appears a lot of hard inquiry that is not mine
Product: Credit reporting or other personal consumer reports

My car was totaled and I had GAP coverage, which means that it was paid in full. The credit bureaus are constantly reporting the account delinquent and past due. This is affecting me really badly.
Product: Credit reporting or other personal consumer reports

Complaint Against XXXX XXXX XXXX  I am writing to formally file a complaint against XXXX XXXX XXXX  regarding an unauthorized account that has been reported on my credit report. 

My name is XXXX XXXX XXXX XXXX account number ending XXXX. 

I have recently discovered that XXXX XXXX XXXX  is reporting a balance of {$1700.00} associated with this account. I would like to clarify that I have never opened or authorized any account with XXXX XXXX XXXX. This account is fraudulent, and I am not aware of its existence until it appeared on my credit report. After I reported this unauthorized account to the credit bureau, I received an email from XXXX XXXX XXXX  offering a discount on the reported balance, reducing it to {$1000.00}. This email stated that the account is supposed to be closed, which contradicts the initial claim of the balance owed. I find this communication confusing and concerning, as it further indicates that this account is not legitimate. I have already reported this account as fraudulent to the credit bureau, and I am now taking additional steps to ensure that my rights as a consumer are protected. I request that XXXX XXXX XXXX  thoroughly investigate this matter and remove any fraudulent information from my credit report immediately. Please consider this letter as a formal complaint regarding this issue. 


XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

When I first got the XXXX XXXXXXXX credit card the XXXX XXXXXXXX app was not the best to use, it was difficult to use, and the payments didn't show up for weeks, It was getting me confused, I always had auto pay on for all my cards and loans, but somehow on XXXX XXXX they accused me of 5 late payments and they closed my account, however, I fully paid the balance and even the late fees that were not my fault, difficult to use the software was the problem, and another problem on the back end of XXXX XXXXXXXX by not sending me statement bills, payment bills, and even auto pay function was not working properly.
Product: Credit reporting or other personal consumer reports

Pursuant 15 U.S.C 1681c-2 the request to block and delete the following fraudulent accounts is not made in error. Attached is my identity theft report. 

Delete and block the following fraudulent accounts XXXX XXXX Account XXXX Balance {$2400.00} open XX/XX/XXXX XXXX XXXX XXXX account XXXX balance {$2300.00} date open XX/XX/XXXX XXXX XXXX XXXX account XXXX Balance {$2400.00} date open XX/XX/XXXX XXXX XXXX XXXX account XXXX Balance {$2300.00} date open XX/XX/XXXX XXXX XXXX account XXXX date open XX/XX/XXXX balance {$1000.00}