23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My credit card was stolen from me and fraudulent charges where made on my account. I have advised truist on many occasions that the card has been stolen and there are many fraudulent charges on the account. Recently they sent a bill for {$1400.00}. This account balance is incorrect. I was also advised that they would remove all charges and fees from truist since the card was stolen. However that is not the case. They continue to add Truist fees and charges even though the card was stolen. I was also advised by truist not to make any payments on the card until the investigation is complete. However, Truist closed my account instead keeping it open and completing the investigation. The fraudulent charges need to be removed from my account as soon as possible.
Product: Debt collection

I sent a certified letter to the debt collector, asking them to validate the debt give me an assignment number. I havent heard back from them
Product: Credit card or prepaid card

I purchased a fridge from Amazon on XX/XX/2023 using my Amazon Visa and it arrived on XX/XX/2023. The ONLY reason I felt comfortable purchasing this fridge was because I used the Amazon Visa to purchase it and it would have been covered by Amazon 's A-Z Guarantee in the case of any issues- which they CLEARLY display on the product page ( image of the supposed guarantee attached and can be found in full here : XXXX XXXX XXXX? XXXX ) When the fridge arrived, it was easy to see that it was packaged EXTREMELY poorly, the cardboard box it was in didn't even have a bottom, just plastic straps holding the other sides together. There were two flimsy half inch sheets of XXXX on two of the sides around the fridge. That was it. Obviously, by the time I received the fridge after it was shipped by XXXX, it was pretty beat up. I immediately notified Amazon to trigger their A-Z Guarantee and they sent me an email asking for pictures of the damage. I sent those to them the very next day. At this point I would have been fine with either a refund or an exchange for a fridge that wasn't damaged. 

Then a few days later, I received an email stating that they did NOT receive any images from me and therefore they closed my claim?! Subsequent efforts to reach them have gone nowhere. 

I can't believe I have to go through the CFPB to escalate what should have been a simple matter. I ended up purchasing a replacement fridge from a local appliance dealer so at this point, I'm not interested in an exchange from Amazon, I want my money back for selling me a damaged fridge. Going forward I'll never rely on their " guarantee '' again. This entire incident has shown my husband and I that we should be putting any future Amazon purchases on our XXXX  and not our Amazon Visa, and we should be limiting any purchases on Amazon to nothing more than {$50.00} because they can not be trusted to uphold their stated guarantees.
Product: Student loan

Today is XX/XX/XXXX. On the XXXX of every month for the last 15 years I have had a student loan payment due with Navient. I have reached out to them several times as to why when my payment is due on the XXXX I log on and they are showing my account PAST DUE. I then attempt to specify a certain amount which is above and beyond their PAST DUE AMOUNT and they automatically change the amount so that I am not able to pay the extra I am intending for the loan. I have two loans with them and one is almost paid. I am attempting to pay extra to pay it off and they reduce the amount I intend for that loan to purposely stretch it out further. Every time I contact them I get no response. I am assuming the showing of a loan PAST DUE will calculate additional interest and late charges so that they can gouge the loan holder additional funds. I have attached the loan screen as of today. 
Make payment on XX/XX/2022 Calendar for payment date selection Effective same day if made by XXXX p.m. ET Pay from Acct * XXXX - XXXX XXXX XXXX Add a new bank Input Payment Amount with : Input Payment Amount with : Specify Amount Amount Due Past Due Loans to pay Loan Current Balance Interest Rate Due Date Amount Due Payment Amount XXXX Consolidation {$3000.00} 7.250 % XX/XX/2022 {$240.00} XXXX $ Past Due ( included in Amount Due ) {$120.00} XXXX XXXX XXXX$390.00} 7.250 % XX/XX/2022 {$45.00} XXXX $ Past Due ( included in Amount Due ) {$22.00} TOTAL {$290.00} XXXX These folks are gouging every loan holder anyway possible to charge additional fee 's or stretch the loan out as far as possible to collect additional interest. There is no detailed statement available so they calculate fee 's as they see fit without answering to the borrower. I have simply had enough of their games.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am writing in response to your statement regarding my dispute of the alleged debt being reported by Advanced Collection Bureau. Your response continues to fail in providing proper validation, and your statements contradict the way this account is currently being reported on my credit file. 

Despite my repeated requests, you have not provided legally required documentation proving your right to collect or report this debt, and you continue to misrepresent your role as a furnisher. Due to these issues, I am escalating my complaint and demanding immediate removal of this account from my credit report. 

1. Misrepresentation of Debt Ownership & Right to Report ( FCRA Violation ) You have stated in writing that Advanced Collection Bureau is NOT a debt buyer, but rather an agent collecting on behalf of XXXX XXXX XXXX. 

However, my XXXX  credit report lists Advanced Collection Bureau as the account holder, not XXXX XXXX XXXX. 

If Advanced Collection Bureau does not own this debt, then you do not have the right to report it under your companys name.

FCRA Sectio

n 623 ( a ) ( 1 ) ( A ) requires that furnishers report only accurate and complete information. Reporting a debt under your name while stating you do not own it is a misrepresentation and an FCRA violation. 2. Failure to Provide a Valid Chain of Assignment ( FDCPA Violation ) You claim that your company has a right to collect and report this debt, yet the
only document you have provided is a signed lease agreement.

A lease agreement does not prove that Advanced Collection Bureau has been legally assigned the right to collect or report this debt.

I have requested documentation showing the full chain of assignment, including a bill of sale or contract proving your legal authority over this debt.

Since you failed to provide this required documentation, your collection efforts and continued reporting are unlawful under FDCPA 15 U.S.C. 1692g ( b ). 

If you can not provide proof that you are legally assigned this debt, you must delete it from my credit report immediately. 

XXXX. Continued Reporting of an Unverified Debt ( FCRA Violation ) Under FCRA Section 623 ( b ) ( 1 ), furnishers must conduct a reasonable investigation when a consumer disputes a debt.

While you have marked the account as disputed, you have continued reporting it without validating your authority to collect it.

If you can not prove that you were legally assigned this debt, you must delete it from my credit file immediately per FCRA guidelines.

4. Final Demand for Deletion & Regulatory Action Since you have failed to provide proper documentation proving your legal right to report and collect this debt, I am demanding : 1. Immediate deletion of this account from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 

2. Cessation of all collection attempts regarding this account. 

XXXX. Written confirmation that this account has been deleted within 15 days of receiving this letter.
Product: Mortgage

I was given a loan on my home that had accelerated interest attached to it. It was given as a commercial loan, This was not true. This is/was my home.

The interest rate is illegal in California.

They have added over XXXX to my loan causing me to go into foreclosure. HELP
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and 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 of Human Trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX BAL {$3500.00}, XXXX XXXX XXXX XXXX BAL {$14000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BAL {$5000.00}
Product: Checking or savings account

I tried to open a bank account with XXXX XXXX on XXXX XXXX and was told that I was unable to open a account due to the information that was obtained from the consumer reporting agency. I was told by XXXX XXXX  that I had nothing negative with them and that it was based on the information from consumer reporting agency. I received a copy of my XXXX report and see that there is are two Bank of America account that I did not open and the open states suspected fraud activity which both have to be cause I have didn't try to open these Bank of America accounts. One is Bank of America of Missouri and the other is Bank of America of Florida. The Missouri one seems to be the negative account that is the reason that I am unable to open a bank account. The report date for this is XX/XX/2017 and this was not opened by me. Please advise me of what needs done to remove these and fix this issue so that I can open a bank account without any further issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX XXXX XXXX XXXX- reporting late on XX/XX/XXXX is INACCURATE. Payment was made on time. 

XXXX XXXX  - reporting 90 day delinquency XXXX - INACCURATE. Payments were made ON TIME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX - reporting late on XX/XX/XXXX and XX/XX/XXXX - INACCURATE. Payment was made ON TIME.
Product: Debt collection

I have a auto loan with XXXX XXXX. The repo 'd my car and left a balance of. This attorney Mapother & Mapother sued me and garnished my wages. I been paying on it for 3 years and I showed it was paid XXXX 2015. I have called them 3 times along with XXXX XXXX And sent them certifified letters to get this resolved. Still nothing from either of them. Under the fair credit act I have a right to this information. They still are garnishing my wages but I have no idea why and why I can not see my payment history to vertiify my payment history.
Product: Payday loan, title loan, or personal loan

I have disputed this debt with your company several times because you are charging me an interest rate of 158.82 % far exceeding the permissible interest allowed in Missouri. Each time you failed to mark the credit report as disputed as required by the FCRA, and you have never provided a Date of First Delinquency or account-level documentation which means you could not have conducted an investigation. Per your Arbitration agreement, the claimant must give the other party written notice of the claim/dispute, which I did, per certified mail. Per the XXXX you received my complaint at the address on the arbitration agreement. You had 30 days to respond Per your agreement however, you failed to respond. I filed for arbitration with XXXX per your arbitration agreement per case number XXXX. It was sent to your Register Agent. Your registered agent received it per XXXX. On XX/XX/2022, I was notified by the XXXX XXXX XXXX XXXX XXXX ) that Opportunity Financial LLC Opploans failed to comply with the policies regarding consumer claims as set forth in the Consumer Due Process Protocol and the Consumer Arbitration Rules. How is it, that you have an arbitration clause in your contract and will not honor it? This is in my opinion a Breach of Contract and Fraud on your part, and I plan on letting the world know about this. This also proves my complaint is valid by your refusal to participate in the arbitration. You have your customers waive to have juries to resolve claims, have courts or other small claims resolve claims, bring claims as a private attorney, and have claims decided in a class action. Since I waived those rights, you must abide by your arbitration agreement. Your negligence is ruining my credit rating and I request this be removed from my account since you violated your own arbitration agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed charges to my credit card in XX/XX/2020. The dispute department at Chase is not functioning I assume due to the work from home aspect. Over two months I was forced to submit the details of my dispute on four different occasions, two of which after a dispute representative confirmed they were received and were being reviewed. I was informed by Chase in XX/XX/202 that the dispute was settled in my favor as the merchant did not respond to their requests for information. I then received another bill for the charges two weeks later and called in and was told my evidence was never received. After trying to elevate, I was told that a letter to re-open the case needed to be faxed. I went to the local branch and had them fax/e-mail the letter to the dispute department and the executive offices. XXXX, a manager at the branch proactively called me and confirmed he read the issue and was going to take care of the problem, it was ridiculous and he would have it taken care of through a " branch resolution '' confirming not to worry about it anymore it was settled. In XXXX I received another letter requesting evidence for the dispute ... I called the executive office representative 6 times and left messages that were never returned. I elevated to executive CS manager who called me on XXXX took all information, confirmed call back number three times as they had the incorrect number and committed to investigating and getting back to me asap, I have not heard back from them to date. Today we received a bill for the charges plus penalties and interest. After we were told by the branch manager it was resolved we discarded our file and now have no way to pursue the merchant as our bank refused to complete any form of investigation or honor their commitments. My wives income disappeared with the complications of Covid and we could really use your help.
Product: Mortgage

XXXX XXXX, XXXX case number XXXX from SLS Morgagae That I did not pay Ferbruary XXXX XXXX payment to XXXX Bank I did make a payment on XXXX XXXX XXXX
Product: Debt collection

I received a phone message today from some identifying himself as XXXX with Cooling and Winter law firm. He said to call him back and that it was a debt collection call. As I do n't have any debt in collections, I XXXX the firm name to see if this was a phone scam. The search showed a CFPB enforcement action against this law firm 's partners for deceptive collection practices. I pulled my credit report after the call to make sure there was nothing showing. I have a clean report and am current on all debt. I am unsure what to do as I do not want to return this call as I have no debt in arrears. However, given the tactics attributed to this firm I do not want false allegations of unpaid debt made against me and jeopardize a pristine credit history. Would appreciate any guidance on how to proceed. 
Thank you for your time and attention.
Product: Mortgage

On XX/XX/2021 I closed on a new home in XXXX XXXX, MD. Pennymac mortgage took possession of our mortgage. They also held the Seller of the homes mortgage. The State of Maryland sent a property tax bill in the amount of {$4200.00} to PennyMac mortgage in XXXX of 2021. This bill was the seller 's responsibility to pay as they covered months the seller was in possession of the home. However, Pennymac paid this bill and charged my family for it. The title company was not aware that the property taxes were paid from my account and refunded any money held for property taxes from the seller. Pennymac mortgage is holding me responsible for this error and has gone up on my mortgage substantially to cover the cost of someone else 's tax bill. This is causing an extreme hardship for my family as our mortgage is already substantial. Pennymac should not hold me and my family accountable for someone else 's bill. They have also explained this will impact my credit.
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. 

Account Name : XXXX FIN Account Number : XXXX has violated my rights. Or a list of inquiries : 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: Credit card or prepaid card

I have a secured capital one card and it's a New account. I was required to pay {$49.00} deposit for {$200.00} credit limit, which I did pay {$50.00} in total and opened the account. Before i activated my card I deposited another additional {$200.00} deposit to capital one & this deposit was done XX/XX/XXXX and cleared my bank account XX/XX/2019 my deposit should have been available 7-10 business days from XX/XX/XXXX, it's now going on 4 weeks and I have been contacting capital since XX/XX/XXXX to see where my deposit is and I'm getting the run around and they're talking about they can't find my deposit. How can't you find a customer deposit? At This point as me being a customer it feels like I'm being rob of my money. I could of just just added it to my XXXX card account which is better. I gave capital one more then enough time to research what happened to my deposit they took and since XXXX still nothing it's almost mid XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to get the Derogatory off of my credit report for months. I have sent in disputes and nothing has changed. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX XXXX USA NA, XXXX XXXX BANK, XXXX BANK DELAWARE, and XXXX CREDIT UNION, with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please
Product: Consumer Loan

Background : I filed Chapter XXXX BK in XX/XX/XXXX, and Chapter XXXX in XX/XX/XXXX. The Chapter XXXX is satisfied and all payments paid ( at least 1 year paid off ). My XXXX credit score is XXXX as of XXXX/XXXX/XXXX. 

I noticed that USAA continues to report status " In Chapter XXXX Bankruptcy '' -last reported XX/XX/XXXX. Please see attached. Is that appropriate reporting? The other creditors reported it once in XX/XX/XXXX and XX/XX/XXXX respectively and has not reported monthly since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue, but have been unsuccessful. This negative reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX  XXXX, Inquiry : XXXX XXXX, 2024 XXXX XXXX, Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX, Inquiry : XXXX XXXX, 2024 XXXX XXXX, Inquiry : XXXX XXXX, 2024, XXXX XXXX, XXXX : XX/XX/year>, XXXX XXXX, Inquiry : XX/XX/year>, XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX  XXXX, Inquiry : XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX, XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX  XXXX, XX/XX/year> XXXX XXXX XXXX  XXXX, XX/XX/year>, XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, XX/XX/year> credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX Bank # XXXXXXXX XXXX XXXX  # XXXXXXXX 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