23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

MOHELA acquired my loan from XXXX recently. It is almost impossible to reach them by phone, there is constant loops blaming the popularity of the federal program ( basically, they are blaming the federal government ). When I was able to reach someone once, they claim to not have my XXXX information from XXXX. I have absolutely no confidence in this organization and I fear I'll miss the XXXX deadline.
Product: Credit reporting

I purchased a reporting service many years ago from Experian and have been charged $ XXXX/month. About a year after I purchased the account ( # XXXX ), my password either expired or was forgotten and I requested to update it. I was unable to do so online as Experian had the incorrect information associated with the account ( name, SS #, address, and/or Mother 's Maiden name ) and I was directed to their service line. I called repeatedly and was promised that they would send me a temporary password, but they refused to ever actually do so. After repeated such attempts i complained and was told that they had been sending emails which were blocked by XXXX. In the interim I continued to receive monthly advertising emails from Experian to the identical email account. I contacted XXXX, who had ( 1 ) never been informed of such a problem by Experian, and ( 2 ) also could not comprehend why some emails would successfully go through but others would not. I forwarded an example of such an email back to Experian, but when I spoke to a Supervisor, who refused to read that email. In the meantime they continue to charge my Credit card for services that they are blocking.
Product: Debt collection

The company, XXXX, is attempting to collect a debt I made in taking a private company 's software engineering course. I told them I am going through bankruptcy. They said they didn't believe I was going through bankruptcy, and furthermore, it's an education debt. The collector was trying to scare me into paying it ( obviously because he gets more out of it if he can make me pay on it over the phone ). I explained to him it's not a Department of Education loan nor a bank loan and he knows that perfectly well. He continued to be a jerk about my going through bankruptcy and his disbelief and treated me as though I was stupid. I finally gave him my lawyer 's name.
Product: Checking or savings account

XX/XX/2019 {$200.00} for joining chase bank checking and setting up direct deposit. I set up direct deposit. Got my first deposit XX/XX/XXXX. 10 days later I received nothing. I called the bank and they said I needed a coupon code ( I didn't need one because I applied through the link that automatically applies it. ) I showed them the code and than they said I was not eligible because it wasnt soon enough. It cant be over 90 days well I set up mine within 30 days.
Product: Credit card or prepaid card

Purchased a XXXX XXXX  computer online in XX/XX/2022 and used Synchrony/Paypal to finance at 0 % interest for twelve months with a required monthly minimum payment. 1st payment required in XXXX 2022. I have other shorter term 0 % promotional balances as well which will be required to be paid off before the 12 month promotional balance. I have additional non-promotional balances that occur monthly as well. 
In calculating my monthly payment it always includes an adequate amount to completely cover any monthly non-promotional charges. Payments for shorter term 0 % promotional balances are calculated according to the remaining balance and the time remaining on the promotion to assure the balance will be paid off prior to the expiration of the term of the promotion, while fully utilizing the term of the promotion to minimize the required payment monthly. 
The remaining 12 month promotion minimum payment is also included in the total monthly payment. 
Each monthly payment is calculated to meet the terms of financing agreed to at the time of each transaction. 

Since the transaction in XXXX for the XXXX computer with financing terms of 0 % interest over 12 months with a required minimum monthly payment, a period requiring 3 minimum monthly payments to be made, an amount nearly XXXX times that of the required minimum monthly payment has been applied to the 12 month promotional balance effectively reducing the promotional term to 5 months instead of 12 months. I did not agree to this financing term when I made the purchase. 
Synchrony is deliberately utilizing misapplication of payments to increase the likelihood that consumers will not be able to meet the increased payments required to then satisfy the terms of the shorter term financing agreements. Misapplication of payments that prematurely satisfy longer term financing plans that should have been applied to the shorter term financing plans that are due to expire before longer term financing plans expire can then result in consumers needlessly incurring deferred interest charges. This is an attempt at fraud, " wrongful or criminal deception intended to result in financial or personal gain ''. 

I have addressed this with Synchrony Bank representatives on multiple occasions. I am told that it takes 1-2 billing cycles to appropriately reallocate the payments that were received in such a way to comply with the terms I agreed to at the time the purchases were made. This will result in requiring me to make much higher monthly payments to avoid deferred interest charges on the remaining shorter term promotional balances. 

I have encountered similar misapplication of payments with Synchrony/Amazon financing plans as well. It is not an isolated incident but appears to be established practice at Synchrony. 

Payment allocation is done according to instructions that are programmed into a computer. This is premeditated attempted fraud by design. The CFPB should do something about it. I shouldn't have to call the bank to assure they are not trying to defraud me by deliberately misapplying timely payments in an effort to charge interest.
Product: Debt collection

I was a victim of the XXXX and XXXX and OPM breach. I have found several instances on my credit where identity theft has occurred. Im working with my attorney and the FTC, notifying these debt collector companies of the fraudulent accounts they have. 

The credit bureaus have already been informed of this account and the FTC ID Theft report and removed the XXXX account. Radius Global Solutions LLC however has ignored the FTC ID theft report I sent and the credit bureaus confirming its a fraud account and continuing to try and scam me for a fraudulent debt the bought from another debt collector who was ALSO notified over a year ago that the account was due to fraud. 

I have sent Radius Global Solutions LLC a SECOND dispute on XX/XX/23 the first was sent XX/XX/23 of the fraudulent account they purchased. Their response was a one page copy of some bill to state to me that they validated the debt. 

When I clearly asked them for the original contract and to notify the electric company that it was fraud and my written contract etc with the FTC ID Theft report and notification of this debt having been deemed fraudulent BEFORE they purchased it from the previous debt collector. 

To continue to harass an identity theft victim who is trying to get their life back is abhorrent. We already go through enough stress and anxiety dealing with this situation.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$19000.00} XXXX  XXXX Balance Owed : {$280.00} XXXX Original Creditor XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$600.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX  Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$22000.00} ; XXXX/XXXX  XXXX Balance : {$3.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern On XX/XX/XXXX I received the dispute for the investigation from Equifax as the inaccurate account has been verified through phone and not through the Equifax website from 3rd party collection agencies. In pursuant to 15usc1681a ( e ) investigative consumer report is there has to be an individual relating to me the consumer, whether it is neighbor, associate, and friends of the consumer who were interviewed about the knowledge of the account on my consumer report. Specific factual information is not included in part of the investigation of my consumer credit record, so the 3rd partys verification is not factual information. What is their method of verification? Who did they interview? What is his/her name? What did the natural person say? If they do not have a specific natural person being interviewed, then they have no method of verification. With no method of verification there is no evidence, failure to provide this information has broken the law and in violation of my right to privacy under congressional findings and statement of purpose. Then Equifax would have to delete this account from my consumer report. Since their verification is not factual then I want " US DEPT. OF EDUCATIO '' DELETED FROM MY CONSUMER REPORT. I WANT ALL RESULT TO GO THROUGH THE CFPB
Product: Credit reporting or other personal consumer reports

Spring Oaks Capital is in violation of the FDCPA for fraudulently furnishing information to the credit reporting agencies. The account SPRINGOAKCAP XXXX is to be removed from my credit report. I contacted the original creditor, XXXX XXXX, Funding, and they stated that this account was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Furthermore, the balance being reported is not the balance that was given to me by the original creditor. I have since contacted the correct collection agency to enter a payment plan. I am not only requesting the removal of the aforementioned account due to illegal and false reporting ; I am requesting a payment in the amount that is being reported on my credit report {$1100.00}. I have attached the company 's response to my CFPB complaint to show that they have named XXXX XXXX as the correct authority of this account. I am demanding Spring Oaks Capital to cease and desist. Please advise how the payment will be made. If there are no payment arrangements within 7 days, I will be moving forward with legal action. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  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

I got a small game from plays station though XXXX, it was a third party vendor, I bought it in XX/XX/XXXX it was delivered XX/XX/XXXX, I returned in XXXX XXXX XXXX, CA, in customer service XX/XX/XXXX at morning and nationwide distributor got it in XX/XX/XXXX, I didn't received my money back to my card and I email to XXXX about the refund and they said the box was broken, I asked for the video camera because it was perfect when I retuned it, I stared a dispute with citi bank because it was a citi credit card in XX/XX/XXXX and they just closed it XXXX XXXX with the disputed denied, I tried to talk to XXXX again and They continued with We going to give your refund, it's been almost 2 months and I don't have anything, I don't have my money back, I don't have the game, nobody want to help me, I'm thinking about to going to the police
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$5500.00} ( Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXXBalance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have not been to Georgia I live in Florida. 
I have contacted all three bureaus : xperian says the account is ligament. 
I have had XXXX for over 20 years and have no products or services from XXXX! 
XXXX XXXX inquire # XXXX dispute center Fraud # XXXX I have contacted XXXX this is what they said : Thank you for contacting XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. XXXX XXXX XXXX has received your inquiry and determined that the account you have provided is currently being held by an outside collection agency and must be disputed directly with that agency. 

Please contact Sequium - HQ, phone : XXXX to file your claim of fraud. Once your claim has been submitted and all required documentation has been received, you will receive notification of a decision within 14 days No response from this company leaving messages. 


SEQUIUM ASSET SOLUTION Original creditor : XXXX XXXX  {$810.00} Balance updated XX/XX/2021 Account Info Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$810.00} {$810.00} Payment Info Original balance {$810.00} Balance {$810.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 Additional info Comments Account information disputed by consumer Your statements- Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, WRONG, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$51.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00}  XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Mortgage

In reference to my previous complaint dated XX/XX/XXXX Complaint # XXXX. 
I asked OVATION SERVICES LLC about " Loss Mitigation Package '' and was informed that the Mortgage Servicer does not provide the " Loss Mitigation Package application '' because they are not a MORTGAGE COMPANY. I have been " DENIED '' since XXXX for Loan Modifications and/or any help with Mortgage payments during hardships such as Divorce, Child custody, reduction of income ( COVID-19 Pandemic ) etc..

Now, I am facing FORECLOSURE. 
IT HAS BEEN ALMOST A YEAR AND OVATION SERVICES LLC HAS NOT RESPONDED TO MY INITIAL COMPLAINT XX/XX/XXXX XXXX
Product: Debt collection

I've already filed a complaint against this company. The previous complaint id is : XXXX. Nobody has ever attempted to provide any information regarding this supposed debt. I've asked on numerous occasions. The attached ( email and attachment ) is a renewed attempt by MBW despite responding to the first complaint that they had no part in it.
Product: Credit card

In XXXX I purchased a sofa using a Chase Sapphire credit card. I had to return the sofa and on XX/XX/XXXX a credit was issued to the Chase Sapphire card for more than {$4500.00}. Some part of those funds were used to pay off the remaining balance. The last purchase made on the card was XXXX XXXX, leaving me a credit of {$880.00}. I have made no additional purchases since that time. 
When I requested that the remaining credit be a ) applied to a Chase Freedom credit card or b ) the refund sent to me or placed in my checking account, the bank representative initially said it was take four to seven days to process. I called back when I did not see the {$880.00} applied to the XXXX card or in my checking account. That happened in XXXX. 
Since that time, I have repeatedly called the number for Chase Sapphire, I have visited the bank branch on XX/XX/XXXX, where the branch manager called the same Chase Sapphire number and was told the transfer would take place immediately, and I have called at least XXXX additional times. Each time, I was given a different answer. 
I called this week, and was told the previous bank representative had not followed the proper procedure and I would be receiving an email with instructions on how to transfer the funds or request a check be issued and it would take 24 to 48 hours. Yet as of today, I have never received any email from Chase with any instructions. When I called the bank I was told that they had no information they could provide. 
Then this week, the executive offices called to tell me a complaint was filed. When I called the number that I was instructed to call back, I got no answer the first time. I subsequently was told it take seven to 10 days and they have no information on the status of the refund or any details. I have spent nearly a month trying to get some resolution but have been given a different protocol every time, including told to simply make a purchase and use the credit to pay it. 
I would like to get my {$880.00} back and so far have not been able to get Chase XXXX XXXX or Chase Sapphire services to return the funds. 
I have also repeatedly reached out to Chase and Chase Customer Support on social media, each time, I get an apology with a request to send a private message. When I send the private message I receive a reply instructing me to call a 1-800 number. I believe that Chase is failing to return the funds that were refunded to me.
Product: Debt collection

Subject : Request for Clarification on Collection and Charge-Off Status I am writing to request clarification regarding the status of my account, which has been sent to collections and marked as charged off. 

I understand that this status can significantly impact my credit report and would like to confirm the following details : The total amount owed and any applicable fees. 
The date of the charge-off. 
The name of the collection agency handling my account. 
Any options available for settling this debt. 
I appreciate your prompt attention to this matter, as I am eager to resolve any outstanding balances and understand the implications for my credit report. 

Thank you for your assistance.