23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I was served a court judgment for a wage garnishment from a debt collection agency called XXXX XXXX XXXX who obtained counsel. The original debt owed to Bank of America apparently, in the approximate amount of {$960.00}, dating back to XXXX. The court order now reads the amount owed to be {$3000.00}, plus various arbitrary fees and interest. To my recollection, I have never owed any figure to that bank. So this all is very unsettling and confusing to me. I believe these charges to be in error, at least, and quite possibly gross fraud otherwise. I have recently begun to rebuild my credit, and this false charge and suit will be damaging beyond repair. I am newly unemployed, unfortunately. It is my understanding that such orders and attempts to collect may be well beyond the statute of limitations according to California law. Please help!
Product: Credit card or prepaid card

**This is in relation to my SAM ASH credit card through Synchrony Bank . ** Synchrony Bank is a PREDATORY COMPANY that is stealing people 's purchasing power when they most need it. They are offering no customer service. When one tries to contact them there is NEVER a customer service agent via the online chat feature. They are doing nothing to help me. I have attached a screenshot showing this. The company is making it impossible to work with them and they are offering no assistance for people affected by COVID-19 related financial hardship. They are predatory, and just keep harassing for payment even when the customer still has available credit. They also closed my account SAM ASH  CARD when I still have {$540.00} in available credit! They are denying credit to their customers when they most need it. I want my card REOPENED. If this isn't resolved to my satisfaction, I am going to report this to XXXX XXXX, my Congressman representing my district, as well as XXXX XXXX, and XXXX. They are very accessible and would love to hear how customers in Oklahoma who are already being DEVASTED BY THE ECONOMIC CARNAGE with 15 % UNEMPLOYMENT are being further abused by predatory lenders like Synchrony. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit card or prepaid card

RECEIVED A NOTICE FROM MY COMPANY HR DEPARTMENT THAT AN UNEMPLOYMENT CLAIM HAD BEEN FILED AGAINST MY NAME AND SS NUMBER LAST WEEK
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to first time home buyers program and credit was pulled and was informed about 2 credit card charge offs both opened in XXXX without my knowledge. I was advised to get police reports, identity theft reports and dispute directly with bureaus. I sent letters with police report, identity theft report and Id in XX/XX/XXXX for validation of debt, none was provided. Sent letters again XX/XX/XXXX and again certified XX/XX/XXXX. I was XXXX in XXXX and had no knowledge of anything related to credit nor have I ever had a credit card until XXXX I just got a secured card to use my own money while I learn about credit. I have contacted the creditors as well and still have yet to receive proof of these debts. 

XXXX XXXX opened XX/XX/XXXX owed {$3100.00} Discover card opened XX/XX/XXXX owed {$3600.00} I will be starting litigation using ground " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists '' to seek removal of these 2 accounts
Product: Mortgage

My home was foreclosed in 2009 and I was denied a modification for my home in XXXX XXXX XXXX. But the house in XXXX  was approved for a modern. I am the same person with the same credit scores. In my opinion I was denied in XXXX because I had equity in the home. While the XXXX  house was under water. It cost me a fortune to get back up to date with all the fees and other costs
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have appeared on my credit report without me having filed for them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 XXXX XXXX. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Mortgage

US Bank refuses to allow me, XXXX XXXX the coborrower on the loan to pay to avoid defaulting on the mortgage. I've attempted to pay both online and over the phone.
Product: Student loan

Dear Sir or Madam : I graduated from school in XX/XX/XXXX and shortly thereafter I consolidated my loans and began paying them. For the last 14 years I have never missed a payment and I have never been late. Since I have lived overseas several times over the last 14 years the address on file for my loan information has been my fathers house. The only communication I received from my loan company was a XXXX once a year. 

On XX/XX/XXXX I received three emails from my sister who takes care of my father in Connecticut. Each email had an attachment. The first attachment was a letter dated XX/XX/XXXX from my loan servicer XXXX  with a notice stating that my payment on XX/XX/XXXX was being returned because there was a new servicer. The second attachment was a letter dated XX/XX/XXXX from a company called Nelnet stating that a " borrower benefit has been removed from your account ''. There was no mention of what the benefit was, or why it was removed. The third attachment was a letter dated XX/XX/XXXX from Nelnet demanding that I pay double my normal student loan amount. 

The following day I called Nelnet to inquire about the mysterious borrower benefit that was being removed and I was told that the " benefit '' removed resulted in a 1 % increase in my interest rate that was equal to more than {$10000.00} over the life of the loan. The reason that it was removed was because my payment was late. When I told them that I had sent all my payments and I have records showing that the XXXX payment was made on time they said that it did not matter. It was my fault because I should have known that the servicer had changed. I told them that I never received any notice of the change and they said that it was still my fault. When I asked what can be done to resolve this they said that they would take it under advisement but there were no guarantees that anything would be done. I immediately made the missed payment over the phone. 

Predictably, today I was notified that the " benefit '' would not be reinstated and that I was being penalized {$10000.00} because of the missed payment. 

I believe that this was a calculated move by Nelnet to increase my interest rate in an attempt to force higher payments. I hope that you will help resolve this so other students are not victimized in the same way. 

Thank you for your assistance in this matter. 

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

I have disputed the following listed account below and it should not be on my credit report. This has been dismissed years ago Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Product: Debt collection

i had a collection show up on my credit report from Credence Resource Management... i had no idea what it is but i called them XX/XX/year> to resolve this as i am in the process of house hunting and this affects my credit... .rather than working with me and taking my payment they refuse to take payment and try to sell me credit repair ... .what type of conflict of interest do these people have going on... it is unethical and i am sure that it is also illegal since credit repair is illegal in the state of georgia and thats where they are based ... ..i do not want their credit repair..i just wanted to take care of this collection that i have know idea what its for ... ..this company should be shut down, ... .i have the call recording and have attached them., .honestly i could have gone straight to a consumer attorney with that phone recording and sued the heck out of them in court ... im giving them this chance
Product: Debt collection

I am the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname XXXX, CONSUMER, and I have been appointed and accepted being the executor both public and private for all matters proceeding, and I hereby claim that Ii will CONSUMER, XXXX and autograph as the agent, attorney in fact, so be it. 


I sent Ability Recovery Services documents requesting validation of the debt this company assumes I owe. Ability Recovery Services received these documents on XX/XX/2021, and has not responded to any of the documents, which all must be answered and sent back. 

Ability Recovery Services is in violation, 15 USC 1681a ( 3 ) IDENTITY THEFT- The term " identity theft '' means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

Under 15 USC 1681b Permissible purpose of consumer reports ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave Ability Recovery Services permission to report any information on my consumer report. No consent is IDENTITY THEFT.

Fact, FDCPA 15 USC 1692, NO third-party debt collector ( Ability Recovery Services ) is allowed to have or purchase my information without my consent. This is an infringement upon my right to privacy. 

Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. 

Fact, I am sure this information will be removed and that my privacy rights will not be violated again due to my lack of consent.
Product: Student loan

I have an FFELP consolidated loan with AES since XXXX, I received an email from the department of education on XX/XX/XXXX, that has determined that the loan I received to attend a school owned and operated by XXXX XXXX XXXX are eligible for full loan discharge, and that I do not have to make any more payments on the loan, nor do I have to take any further action to receive discharge. Since then Ive been trying to get this straightened out between AES and DOE to get this solved, and its been going on for about XXXX years now. The XXXX and DOE want me to apply for a borrowers defense application in order for my loan to be put on exceptional discretionary forbearance, not administrative forbearance. AES is still waiting for the DOE instructions for a discharge and still havent heard anything from anyone. I wanted to know when my FFELP consolidated loan with AES is going to get XXXX. Which group discharge does my loan fall under. And is there any issue with the process that I need to be aware of?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Debt collection

On XX/XX/2019 I was admitted to XXXX XXXX Hospital and XXXX XXXX for an XXXX   XXXX. Charges for this visit were submitted by the XXXX XXXX, the XXXX, and the XXXX  to my insurance company. I later was mailed AND emailed the remaining bills from each. Two of these bills were payed off shortly after I received them and the third I have arranged to make monthly payments on. Months later I happened to take a look at my credit report to find that my scores had been dramatically and negatively impacted by three unknown charges which had been sent to a collection agency. After disputing the largest charge ( {$1000.00} ) with XXXX it was removed from my report. I am now attempting to remove the remaining two charges. ( {$510.00} ) & ( {$740.00} ). After contacting every single department at XXXX XXXX I quickly came to find that no one had ANY information about these charges. I then contacted my insurance company who also had no record of these charges being submitted. I have now been searching all over for any information about the company which submitted these charges. After extensive research I have tied these charges to a XXXX XXXX XXXX Lic # XXXX ( i think ) and a  company called " XXXX XXXX '' or " XXXX XXXX  ''. I was never seen by a Doctor  by that name and received no type of treatment from a group by either name. No type of billing was ever sent to my insurance OR my personal address or email by these people. I have tried countless phone numbers in attempts to contact this person or the companies he is associated with and have come up with nothing. I believe that this person is using there license to charge patients for services which were never rendered and sending them directly to collections as a means of hiding the fraudulence of the charges. Currently I am seeking legal assistance in hopes that ultimately this doctor 's licence will be revoked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Identity theft report to remove the fraudulent items from my credit report due to ID theft, requesting the items be blocked within XXXX hours due to fraud. The company refused to block the fraudulent items and refused to investigate the items. I am requesting in writing that the credit reporting agencies block the fraudulent inquiries and accounts from my credit file. 

The company refused to update the 30 day late on my credit file. I had XXXX XXXXXXXX in XXXX of 2021. The mortgage on my credit report is reporting late I have a letter from the lender that I was on an extension and was never late. This is affecting my credit score and ability to obtain credit in my name. The Equifax confirmation number is XXXX, XXXX file number XXXX, I do not. have the XXXX report number. I have been kidnapped and I explained that to the agent and they refused to removed the items. My social, drivers license was stolen during the time. The people who had it done went to jail but they sold my identity. I feel the credit bureaus are discriminating me because I been kidnapped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Truth mailed to TRANSUNION in XXXX, PA on XX/XX/XXXX, XXXX pm. USPS certified mailing was delivered on " XX/XX/XXXX, XXXX pm Delivered, Left with Individual XXXX, PA XXXX Your item was delivered to an individual at the address at XXXX pm on XX/XX/XXXX in XXXX, PA XXXX. '' As of XX/XX/XXXX there has been no communication back and they now stand in complete DISHONOR OF THE AFFIDAVIT OF TRUTH. An unrefuted affidavit stands as truth in commerce. ALL inquiries must be removed immediately from my report!!! They are in direct violation of 12 CFR 1102.33. 

These unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and TRANSUNION is in violation of 15 U.S. Code 1681n ( a ) ( XXXX ) ( A ) and is liable for each unauthorized inquiry totaling {$35000.00} for each inquiry. The stress and humiliation of this erroneous reporting is harassing and they know it!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX Account # XXXX Date opened XX/XX/year> Bal. {$360.00} Inquiries : XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX XXXX and delivery was XXXX XX/XX/XXXX. We looked over the vehicle and saw it had animal scratches all over that was not disclosed in the pictures. We had tried to get this resolved for many weeks after, XXXX quoted {$6000.00} for fixing. XXXX offer us about {$1500.00} then {$2000.00} or we could return the vehicle. We chose to return. The vehicle was picked up XXXX XX/XX/XXXX. There was a charge on our credit card account on XXXX XX/XX/XXXX for charging at XXXX charger in XXXX. I have called XXXX almost every day since day of pick up to ask about loan being paid for original amount {$56000.00}. No one can help me and I go in circles and get transferred with no solution. I have now made {$4000.00} in payments and paid {$570.00} in interest. I would like this all paid back to me. The more time goes on the more money I am throwing away on a vehicle not even in my possession. I would also like the {$500.00} deposit back because there was false advertisement on the original sale of the vehicle. This loan is with XXXX XXXX. I do not understand why they have not paid this yet if its with their own company.
Product: Checking or savings account

My name is XXXX XXXX I here writing a complaint against Dave bank, first of all I had an account with Dave bank before they made bad decision to closed my account and at that time I claimed a dispute transaction from my account which I didn't use or authorized but Dave bank team members plain on me as an account holder at that time and the transaction money being taken by XXXX and I never had an account or relationship with XXXX but unfortunately the bank that I had an account that time Dave bank plain on me that I have used or authorized the money and I didn't authorize it even I never had any relationships with XXXX that am filling this complaint against Dave bank because they never gave me back my money please am requesting a help from consumer finance to consider my case thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I opened an account and made the following transactions : -XX/XX/XXXX : Purchased Bitcoin {$100.00} -XX/XX/XXXX : Sold Bitcoin {$89.00} ( {$2.00} ) transaction fee -XX/XX/XXXX : Purchased Bitcoin {$100.00} -XX/XX/XXXX : Purchased Bitcoin {$100.00} -XX/XX/XXXX : Purchased Bitcoin {$100.00} -XX/XX/XXXX : Purchased Bitcoin {$500.00} On XX/XX/XXXX, I submitted valid Military ID to Cashapp to be verified for Bitcoin transfers.

On XX/XX/XXXX, I requested a status update as it was advertised as 10 days for verification. Their service team said they would forward the request and I provided email, cashapp handle, and a description of the issue. On XX/XX/XXXX, I resubmitted ID, this time a valid drivers license starting the verification process over again.

On XX/XX/XXXX, I followed up and they said that their service team would send me an update. The update was literally an email that said they had closed my account and that I would have to liquidate my investment and transfer it back to my bank. They said I had violated the terms of service, which I reviewed again and I have not violated them. They then sent a vague email saying they couldn't tell me what violation occurred. I filed a complaint with the XXXX XXXX XXXX  ( XXXX  ) and my XXXX XXXX chain of command regarding Cash apps business practices. I did a XXXX search and found that this is a common occurrence while forcing people to liquidate their investment and not provide a reason.