23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$200.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.
Product: Debt collection

Dear XXXX ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have made several attempts through experian to fix my credit rating due to incorrect reporting on my credit usage my credit card has a XXXX balance and experian reported I had utilized 96 % of my card. I have called and made several disputes because I want it updated ASAP.
Product: Student loan

EdFinancial provided a loan transfer information to a new portal in XXXX that it will be completed after 2 weeks. After 2 weeks, they sent another email that the transfer has been delayed. They have not provided any information on the transfer so I can not sign up to make the payment. Interest will accrue on XX/XX/XXXX so if they are making us pay the interest during the time I can not make the account, this is a very unfair/unlawful practice.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Credit card or prepaid card

on XX/XX/2022, I walked into the Truist Branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida. I needed to open up a business account. I recently became an XXXX and was previously a sub XXXX XXXX client. I already had a personal account and checking account with Truist ( formely Sun Trust ) The Branch Leader XXXX XXXX invited me to his office where we worked through opening my business account. I sat there while he told me to sign items electronically that came through my email via phone. He then informed me during the process " congratulations, you have been approved for a business credit card with a $ XXXX limit '' I said " I was not going to use your company for a business card. I was going to open a XXXX business account because I like their points and I have a personal card with them already '' He then said " well you need a business card anyway, you are already approved, we have one with travel mileage you can earn '' I was a bit taken back and trying to absorb what happen. My XXXX XXXX is in the XXXX and thought, i dont want to take another hit on my credit. So he showed be the travel one and selected that one. I went home and thought it through. What gave him the right to run my credit and approve me for a card without my permission. I reported by calling with in 48 hours. I have repeatly have requested an update and I have been told its still under investigation. Ive told many reps on the phone and everyone just apologizes but no one has a manager call me back or anything. I feel violated and I question why I still have any accounts with them. I have now found out that the travel card has a yearly fee and I dont travel for business. Now I am not sure how I will even justify that to my accountant. I have been banking at the same institute for over 30 years ( through mergers etc ). This should not happen to anyone else
Product: Debt collection

On Thursday XX/XX/2021 I received a text message from my aunt that direct recovery XXXX Robocalled her and left a automated message for a debt in my name Within a a half hour my mom called with the same message The only way anyone would know the three of us are related is because on XXXX its listed in family area- aunt and mother XXXX yrs old and havent lived with either of them for 20 plus years This company is clearly violating all sorts of privacy issues
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, 4, 30 day lates appear against my credit report, with XXXX, XXXX  and experian which is inaccurate. All payments are due within the same month to prevent 30 day lates from appearing. 

Once payments are made, proof of payment email is provided. All showing payments made within same month, and not 30 days late. 

Their decision to report is very inconsistent. And unfair to consumers. 

Payments for XX/XX/XXXX was made in XXXX. XXXX payment was made in XXXX. The same for XXXX and XX/XX/XXXX. I have attempted to resolve with the organization however continue to receive the runaround. One person said email my concerns. I did, another said fax. Another said no, you have to mail. Ive done all 3 now and have had no resolve. I have offered to share proof of payments Ive received from their automated system after a payment is made to show its within the 30 days/same month. 

For example XX/XX/XXXX payment was made XX/XX/XXXX. How is this a 30 day late? 

This is heavily affecting my credit and preventing me from purchasing a new home. I ask that they review what I have received from them showing my payments are made within the same month. When you pay your mortgage the next month that is when the 30 day is charged against you. That is not the case in my situation.
Product: Credit reporting or other personal consumer reports

The third time is the charm as everything comes in XXXX XXXX I have tried to rectify this matter. There are still charge offs, student loans and inaccurate re

porting of balance and transaction history reporting. First, According to Family Educational of Privacy Act 1974 STUDENT LOANS should not be reported it goes against privacy act as stated here -https : //nces.ed.gov/forum/dataethicscourse/additional-materials/family-educational-rights.pdf https :
//studentprivacy.ed.gov/sites/default/files/resource_document/file/2012-final-regs.pdf Second, charge offs are certificates of indebtedness and should not be reported, so please remove ASAP.

Third, its illegal to report transaction history. Remove all " soft and hard '' inquires Fourth, for permissible purposes remove all collections, student loans, charges offs and update transaction history as current/updated.

Fifth, by reporting non accurate information without my consent is against FTC - XXXX XXXX XXXX  15 USC 1681 - inaccurate report, 15 USC 1608 CASE LAW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX ) - In this case, a class of XXXX individuals sued XXXX XXXX a credit reporting agency , in federal court under the Fair Credit Reporting Act. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - CFPB and FTC Take Actions Against XXXX for Illegal Rental Background Check and Credit Reporting Practices- https : //www.consumerfinance.gov/about-us/newsroom/cfpb-ftc-take-actions-against-transunion-illegal-rental-background-check-and-credit-reporting-practices/ XXXX XXXX says, In you, Lord my God, I put my trust. I trust in you ; do not let me be put to shame, nor let my enemies triumph over me '' Please take heed, XXXX/ BENEFICIARY
Product: Credit card or prepaid card

On approximately XXXX, I applied for a Chase Freedom Unlimited credit card through the Chase app. Chase advertised and continues to advertise 5 % cash back on grocery purchases for new cardholders. 
After applying, I received notice from Chase to contact them to complete the application by phone as soon as I was able to temporarily lift one of my credit freezes. I did so. At the same time, with the same phone rep, I closed my Chase AARP Visa. I received the new cards shortly thereafter. 
On XXXX, at the end of the first billing cycle, I saw that I was not credited with the 5 % promotional cash back. I contacted Chase and spoke to several people who could not understand why I was not receiving the correct cash back incentive. One supervisor even adjusted my balance to make up for the shortfall during the first billing cycle as she " escalated '' the complaint. 
The escalation and/or correction of the issue has been denied now at least three times. I have spoken in person, over the phone, and through several emails with a XXXX Chase branch associate XXXX XXXX XXXX XXXX ) XXXX who initiated a branch escalation which was also denied. XXXX is also dumbfounded as to why I have been denied the advertised offer. 
XXXX, of the Chase Escalation Department ( I'm sure they have another name for it ), told me on XX/XX/XXXX that the marketing department denied my claim again. 
The closest anyone has come to possibly explaining the issue was an unknown Chase employee subject at the other end of XXXX XXXX  who said he believes I applied through the wrong portal. The original portal was the Chase app. The error may have occured with the person I talked to after lifting the freeze. Regardless, the offer was in effect before, during, and after I applied, and it is still an offer today. My greatest concern is for the elderly and others struggling financially who may have thought they were getting a good deal and did not in fact receive what was advertised to them. Many of these people more than likely assumed they were getting what was promised but really have no idea. They trust what a company like Chase tells them but fail to verify, just as many people really don't look too closely at their utility bills. 
If you have the ability to correct this issue, I appreciate it. I have a feeling if I am experiencing Chase 's " glitch, '' many others are too. If Chase is unaware, that's one thing. Now that they've been made aware, refusing to address the problem and correct it entails culpability. 
This is not a money issue for me. As of this date, Chase only owes me {$49.00} after three billing cycles ( remember, one supervisor already credited me the difference after the first billing cycle ). This issue is about honesty, truth in advertising, fulfilling obligations, and treating customers fairly.
Product: Mortgage

I originally took out an Equity Loan off of my primary residence, with Washington Mutual, in XXXX of XXXX. The loan number is XXXX The original loan amount was {$250000.00}. The loan was increased I paid off on XX/XX/XXXX, in the amount of {$410000.00}. The account is now closed. 

I have been trying to get a copy of the Reconveyance sent to me, because I have never recieved one and I am trying to seceure another loan from my current bank. My current bank will not issue the loan until I send them a copy of the Reconveyance document. The payoff of this loan has not been sent to the County of XXXX. 

I am currently on the phone with Chase again and have been transferred to 3 different departments. Once I got to the third location, the supervisor stated they can 'see ' the but can't open it up or send it to me! I was told by the Supervisor, XXXX XXXX, that Chase will email it to me in 5 business days. 

These additional 5 days will continue to hold up the current loan I have applied for and has been 'tenatively ' approved.
Product: Credit reporting or other personal consumer reports

Currently, you are reporting inaccurate and incomplete information in regards to the below noted medical account ( XXXX ). I demand that you contact the accuser 's, as I have already done, and demand a validation of the debt ( of course, they can't provide the statement at this time ). 

The fact is, the alleged account ( XXXX ) is ( are ) being illegally reported on my credit report. Previously, I have formally contested it directly with the supposed creditor and collector alike, to no avail, as they seem content on ignoring lawful reporting and/or collection requisites in regards to their illegal reporting. I have not received any satisfactory reply, certainly nothing substantiating the claim nor remotely resembling a physically verified item of truth, correctness, and validity, much less a grain of hope that it is factually compliant with its mandatory certified XXXX XXXX format reporting standards! 

Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. Please complete your investigation of this item of misinformation and remove it because the provider can not validate the information you are reporting on my credit report. 

REMOVE the following suspect repossession allegation ( XXXX ) immediately and permanently.
Product: Checking or savings account

I called my bank Bethpage Federal Credit union to dispute a couple of transactions back in XXXX of XXXX, that were not made by me and I reported it as fraud. I explained to them that I never travelled to XXXX in my life and that the payments that were made in various super markets was not me. Then they gave me the money back and everything was fine until I received a letter in the mail on XX/XX/XXXX. Where they stated they were taking the amount back that they credited because they concluded it wasnt fraud. I went to the bank to try to discuss this again that my card info was most likely stolen and I began to demonstrate personal info as proof to show I was here at home at the time of these purchases. I did not hear back from the bank and I checked my account today XX/XX/XXXX and find that the account took my money without permission and now my account is in negative.
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 : Balance : {$1800.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX : Balance : {$15000.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$520.00} Account Name : XXXX XXXX Account Number : XXXX : Balance : {$560.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$980.00} Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX : Balance : {$930.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 reporting, credit repair services, or other personal consumer reports

This refers to my account with CareCredit / Synchrony Bank. 

In early and XXXX, I paid off my open balance completely according to my online banking and which can be seen below : https : XXXX And payment dates from my XXXX XXXX account : https : XXXX I was later surprised to learn they had still added a finance charge. I was never notified there was an additional balance, and only saw it was reported late on my XXXX  credit monitoring a few months later. 

When I called Synchrony and complained, they apologized and removed the past due balance, and submitted it for dispute internally. On XXXX/XXXX/2020 I received a letter back from Synchrony stating that it was 'reporting accurately '. 

I've written them a reply demanding they remove this late payment status, and update it to 'Pays on Time ' as I had been making ALL of my payments on time, and had paid off the account entirely per above. 

If additional finance charges were accruing, it should have been stated in the Account Balance. I feel misled and abused as a customer, and this is not ok. I'm working very hard to build up my credit ( the biggest reason I paid off the account ) so it's not fair to me as a consumer to add insult to injury by not only adding additional balance to my account, but then to inaccurately report this to the credit bureaus as 'late '. 

I feel this is a violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 and needs to be immediately removed. If this is not removed, I will very likely file a lawsuit to have this inaccurate negative remark removed from my credit history. 

Hopefully you can help intervene here as this is an unfair practice and I would have at least appreciated a phone call from them letting me know before reporting me. I received NO statements or TEXTS even though I'm signed up for SMS alerts. 

XXXX XXXX XXXX Please see what you can do here to help resolve this matter. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items listed in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$77.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXX/XX/2022
Product: Credit card or prepaid card

Navy federal is ignoring my attempts to resolve this issue with out other parties.CFPB is my last option to seek help. Ive sent numerous letters asking for help understanding the debt and why it is not cleared out. They are sending me billing errors on top of reporting private information to the CRAs. I will not accept this type of treatment from no company or agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my XXXX XXXX and noticed I had some transactions that are reporting late on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments with the following accounts : XXXX XXXX : Account # [ XXXX ], XXXX XXXX  : Account # [ XXXX XXXXXXXX XXXX : Account # [ XXXX ], XXXX XXXXXXXX : Account : [ XXXX ], XXXX XXXX XXXX XXXX : Account : [ XXXX ], XXXX XXXX XXXX : Account : [ XXXX XXXX XXXX XXXX XXXX XXXX : [ Account : XXXX ] XXXX 

Please investigate and provide proof with statements showing that these transactions were late. If proof can't be provided I demand that these payments be updated on time with no late payments reporting at all as they should be as I was NEVER LATE.
Product: Bank account or service

We have been banking with M & T Bank for many years. Recently, we have fallen into financial problems, and XXXX of the accounts became overdrawn. After contacting the bank, we agreed to take care of the matter within a month 's time. Imagine how devastated we were when M & T decided to just TAKE the money out of XXXX account and put it in the other account. Our paychecks disappeared, not once but XXXX. This has happened XXXX this month, and now there are NSF fees for the items we have on AutoPay that have come through and could not be stopped. We have attempted to speak with them, beg, plead, but they have been rude and judgmental, and basically we are being punished for struggling and not having enough money. I would like to know if anyone else has experienced this kind of situation, and we are considering getting a lawyer to recover the money that they took without notice or permission.