23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX, has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

XX/XX/XXXX This is a complaint against Synchrony Bank related to my Synchrony Premier Master Card account. 
On XX/XX/XXXX, I contacted Synchrony Customer Service by phone to request copies of ALL billing statements for the period of XX/XX/XXXX to XX/XX/XXXX. I spoke with a Synchrony Customer Service agent by the name of XXXX who said he was located in the XXXX. The customer service agent said that ALL the copies will be sent by US mail within 3 weeks. A recording of the conversation with the customer service agent was made.

I did not receive to date the requested billing statements copies although it has been more than five ( 5 ) weeks since I made the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive reprted multple times on my report that this account was open in fraud the company is eqafax wich the bank is XXXX XXXX XXXX its a buisness account that was put in my name the bank will not give the original cobtact because they cant prove it was me so XXXX buisness has removed it aswell XXXXXXXX XXXX XXXX XXXX .but eqafax and XXXX  XXXX XXXX wont adhere to my demands wiyh the proof of afidavid im demanding XXXX XXXX XXXX and eqifax to remaoe this fruad account off of my report the account is XXXX open on XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, Sat, XX/XX/2024 at XXXX XXXX I am writing to dispute the validity of the debt collection attempts made by XXXX XXXX XXXX regarding the account, XXXX XXXX XXXX XXXX account. 
Could you please provide me with confirmation as to whether an attomey has reviewed this collection account? Specifically, Iwould like to know fi any legal professional has assessed the details of this debt, including its validity and the procedures followed by XXXX XXXX XXXX in attempting to collect it. 
Understanding whether an attorney has reviewed this collection account is crucial for ensuring compliance with all applicable laws and regulations governing debt collection practices. Therefore, Ikindly request that you provide me with this information at your earliest convenience. 
Additionally, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to dispute any inaccuracies or discrepancies related to it. I expect ful compliance with these laws XXXX XXXX  communications and actions taken by XXXX XXXX XXXX regarding this matter. 
Please be advised that l am keeping detailed records of al communication regarding this matter, including copies of this letter and any responses received. Ireserve the right XXXX take further legal action if necessary to protect my rights under the law
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ITEMS ON MY REPORT THAT ARE NOT MINE. ACCOUNTS: XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ADDRESSES: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In requesting documentation none was provided. Due to identity theft this should be removed.
Product: Debt collection

I am a victim of identity theft and do not owe a debt to Northland Group Inc., XXXX A representative from Northland Group continuously called me back and harassed, verbally abused me and threaten me with being arrested by the XXXX Sheriff's Office of I did not pay the debt off. Northland Group Inc., is in violation of the Minnesota Debt Collection Laws and the Fair Credit Reporting Act.
Product: Mortgage

I had a floating rate when i opened my HELOC. 
I was told that i can lock into a fixed rate at anytime during the loan. I am in real estate and i knew the Fed rates had dropped to 3.25 % so i called to lock in the rate because i knew rates would be going up. 

instead of locking n the rate for the life of the loan, the representative did something with the margin to reduce it to get it temporarily to 3.125 % That's not what i asked her to do -i told her i wanted to do away with the margin. 

I had wells Fargo pull the tapes- but they will not give me a copy. 
They gave me highlights of the call - In reading the highlights, i was clearly in the right. 
I want them to honor the rate that i called in and asked for, for the life of the loan. 

I called in and spoke to another person who agreed with me after reading the notes. 
He assigned it for a 2nd review.

I do not think the 2nd reviewer even listened to the tapes. 
I got the exact same form letter from her. 
I have called 5 times trying to get her to call me back to discuss this, and i can not get her to call back.
Product: Debt collection

Waypoint Resource Group XXXX XXXX  XXXX XXXX XXXX, TX. XXXX has been attempting to collect a disputed debt ( {$410.00} ) on behalf of XXXX, since XX/XX/XXXX. They have referenced XXXX different account numbers, for the same alleged debt ; recently XXXX and previously XXXX. This is to confuse me as a consumer, as to when the alleged debt, became effective. The attempts I have made to resolve are : Contacting Waypoint and verbally explain the reason for dispute, submitting my dispute in writing, along with provided a copy of a lease agreement, to support the fact I wasn't in XXXX  state, during the time it has been communicated that services were rendered ( XX/XX/XXXX through XX/XX/XXXX. When asking Waypoint what the amount due is for, they have advised of three different reasons : Unreturned equipment, once I sent in the receipt showing equipment was returned, the reason for balance given was, usage from XX/XX/XXXX through XX/XX/XXXX, once I sent in a copy of my lease agreement showing I was living in the state of XXXX, the third reason provided was the balance being collected on was for a cancellation fee. During all communications with Waypoint, the reiteration of this alleged debt being disputed, has been communicated, along with the request for statements, contracts and the recorded call of final payment as well as confirming there is a XXXX balance, was requested. None of the requested items have ever been provided by Waypoint. Recently, on XX/XX/XXXX, Waypoint contacted my spouse ( who is not on the original XXXX account ) and fully disclosed the purpose of their call, to include the intricate details of this alleged debt, requesting immediate payment. I have never given authorization ( verbally or in writing ), to speak to a third party or my spouse, on behalf of me. This is a direct violation of the FDCPA, which part of my request is to be compensated for this egregious misstep on their part. After my spouse notified me of the call he received from Waypoint on XX/XX/XXXX, I made a Credit Bureau inquiry, which resulted in derogatory reporting to my Credit Bureau. This in turn has decreased my XXXX score close to XXXX points. Waypoint has listed this alleged debt on my Credit Bureau as being concepted in XXXX, when in fact this has been an ongoing dispute since XX/XX/XXXX. Furthermore, this alleged debt is nearing the Statue of Limitation, based off of the state of Washington. I am requesting all derogatory reporting of this alleged debt, to be removed from all Three Major Credit Bureaus immediately ; XXXX, XXXX and XXXX. I have also submitted a formal dispute with all Three Major Credit Bureaus, along with this formal CFPB complaint. I have included the following attachments within this formal CFPB complaint, to support the invalid/erroneous claim of this alleged debt : Copy of Lease, Letter of Dispute, Copies of Letters of Disputes to all Three Major Credit Bureaus, Copy of Offer to Settle Letter from Waypoint.
Product: Credit card

I am writing to file a formal complaint against Chase Bank regarding the excessive Non-Sufficient Funds ( NSF ) fees charged to my checking account. Despite my previous attempts to address this issue directly with Chase, I have received no response. 

Over the past months, I have incurred over {$5000.00} in transaction fees, adversely impacting my financial stability. I believe these fees are unjust and request the CFPBs intervention to urge Chase to adjust and refund the amount charged to my account. 

I have attempted to resolve this matter with Chase through various channels, but the lack of response has left me with no alternative but to seek assistance from the Consumer Financial Protection Bureau. 

I kindly request your prompt attention to this matter, as it has caused significant financial distress. Any assistance in facilitating a resolution with Chase and ensuring the refund of the excessive fees would be greatly appreciated. 

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

Hi, I hope this message finds you well. Im reaching out because theres incorrect information on my credit report thats seriously affecting my financial well-being. Its frustrating and overwhelming to see my credit applications denied because of these errorsespecially when Ive done nothing to deserve it. This situation is putting unnecessary stress on me, and its not right.
Product: Debt collection

I received a letter from American Coradius International LLC stating they are collecting a debt from XXXX XXXX that I be owe {$3700.00} Reference numberXXXX Account # XXXX Supposed debt is from XX/XX/year>. 
The letter was generated on XX/XX/year> and they have failed to return any information, give me information & I am not giving my personal information to them as many have complained that they scam them via this XXXX debt they are trying to collect from them. I have contested the letter and refused ownership via writing, as well as calling XXXX myself and verified they have no accounts with my social or address currently or ever on file. So I have verified that I have no money owed to XXXX.
Product: Credit reporting

XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Trans Union assisted XXXX by continuing to report this negative information without proper investigation. 

I decided to go and do research through the secretary of state ( Texas ) as of XXXX ( XXXX ) XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Product: Checking or savings account

ETRADE : Opened Account on the XX/XX/2018 Deposited Check for {$1100.00} via edoposit on the same date.

Called to verify receipt.

Agent advised a 10 business day hold which was not what their website advised ( 3 business day hold ) Advised to cancel deposit and account, they hung up on me.

Called back, was given to a Supervisor who would not repeat his name after I verified my information and he reviewed my account. Advised ETRADE closed my account and I would receive a letter in 7-10 business days. 
Received letter today ( XX/XX/2018 ) stating the closure of my checking, savings and investment account but nothing about the money I deposited and they are holding. 
Tried to call but no one knew what was going on and that someone would call me back later. 
Bottom line : I opened accounts. deposited money. They cashed the check. they have the money. They closed my accounts. They are still holding my money and will not advise where my money is. I never used this money to invest in any way. I didn't have the opportunity. This is straight up banking at it's worst.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item listed below to be an error. 

XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Consumer Loan

Lender is not licensed to do business in the State of New York as required by New York Banking Law Article IX and is charging interest and other fees not permitted under N.Y. Banking Law Article IX and is attempting to use a XXXX in an attempt to give its loans an appearance of legitimacy.
Product: Credit card or prepaid card

On XX/XX/2019 I received a phone call from Best Buy consumer protection dept asking if I applied for a credit card my answer was no because I never did the representative told me that someone tried to open a credit card in my name but I dont need to worry he will close the account and mark fraudulent The he continued to ask me if I can provide my social security no. I refused and I said you can tell me the social you  have on the application and I will answer if its mine or not he refused and hang up On XX/XX/XXXX I noticed that a Best Buy account was added to my credit report with a charge of {$4000.00} dollars I never applied for an account and I never purchased anything thing from the store
Product: Credit reporting or other personal consumer reports

Talk to the fraud department they told me send in a ftc report I did still did not removed all unknown inquiries listed below XXXX XXXX ( Finance ) XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX ( Auto XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) ( Finance ) XXXX XXXX ( Finance ) 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
Product: Debt collection

I am applying for a mortgage and was told that I had a large amount of medial bills on my credit report and they denied me. When I received the credit report from the mortgage company it listed quite a few very small collections and one large one. The numbers next to the amounts did not correspond to any collection letters I had received. The large amount {$550.00} was unusual enough I tracked down the account and called XXXX XXXX. They apologized and stated it had not been paid by the hospital and was turned over to collections. ( another bill had been paid ) I contacted the Collection Information Bureau Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/18 and talked to XXXX. I explained that I needed to verify the amount I owed and she stated I owned {$3700.00}. I asked her to send me a statement to confirm the accounts. I called back on XX/XX/18 and spoke for XXXX who stated the letter went out an call them if it did not show up over the weekend. She stated I owed {$3600.00}. I called back today XX/XX/18 at XXXX XXXX and talked to a male with a strong accent and he told me they could not send another statement out and to check with my post office ( its a holiday for them ). I never received a slip or an letter from them. I told the male that I wanted to pay them. He said have a good day ... ..
Product: Debt collection

At least  XXXX  credit burea u (  XXXX  ), has repor ted an outstanding debt that is not mine. The original creditor is  XXXX   XXXX . I have not been a customer of  XXXX   XXXX  's for over a decade. The company reporting the debt to the bur eau ( s ) is Focus Receivables Management.      In late  XXXX   XXXX , I spoke t o Focus Receivables Management. The  agent advised me to file a dispute with  XXXX   XXXX . She said she believed it may be for some one else with the same name as me.     I filed a dispute with  XXXX   XXXX  on  XXXX / XXXX / XXXX . I have attached the incident number. On  XXXX / XXXX / XXXX , I received a written notice stating they will remove the INQUIRY from my credit report. I was confused by this, as it is not listed as an inquiry on my   XXXX   report. It is listed as an unpaid collection debt.     When I filed a dispute with  XXXX , I received a notice stating that the debt was verified belonging to me. I filed this dispute on  XXXX / XXXX / XXXX . I have attached confirmation number for this too.     Additional Information : The amount owed is {$850.00}. The date reported was  XXXX / XXXX / XXXX . The date of first delinquency was  XXXX / XXXX / XXXX . The date assigned was  XXXX / XXXX / XXXX .
Product: Payday loan, title loan, personal loan, or advance loan

BHG Financial contacted me in XXXX  regarding a {$100000.00} commercial loan to pay off all my existing credit card debt. 

This financial institution does not have a website or customer portal where you can see the status of your loan and action on it. All interaction needs to be done via their telephone number : ( XXXX ) XXXX. 

The current payment, which comes out automatically on the XXXX of each month, is {$2000.00}. I have no way to turn off the automatic payments. My family has come on hard times and can not afford this ridiculous payment. When the payment does come out, due to the amount, we are unable to pay any of our other bills. I have called the number above several times and each time I am told there is nothing that can be done right now. If I can not make the payment, it will be returned and to try calling back at that time to see if there is anything that can be done. 

This company is an absolute scam, and I do not want anyone else to fall victim to this predatory lending when you are at your most vulnerable.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$2500.00}, XXXX  XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$700.00}
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credit report, immediately : 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
Product: Student loan

I submitted a completed application for the XXXX repayment plan on XX/XX/2023. By XX/XX/2023, Nelnet had still not approved the application, citing high application volumes. However, my loans started accruing interest that that time. XXXX days later on XX/XX/2023 the interest has accrued to {$950.00}. 
Nelnet emailed me on XX/XX/2023 to inform me that my loans had been placed in forebearance while they reviewed my XXXX application. However, interest will continue to accrue while they wait to review the application! The email stated : During your forbearance, interest accrues on your outstanding principal balance. Youre responsible for the interest, but you have XXXX options : XXXX. Pay the accrued interest before your forbearance ends, or XXXX. Make no payments during the forbearance. The payment ( s ) made following the end of your forbearance will be applied to any unpaid accrued interest and then to your outstanding principal balance. 
Interest should not accrue beyond the principal balance once my XXXX application is accepted. By delaying the acceptance of my application, Nelnet is significantly increasing the amount for which I will ultilametly be responsible for repaying. I submitted the application with over XXXX months for them to approve it. High volumes should not be an excuse, or a way for them to charge me interest.
Product: Vehicle loan or lease

XX/XX/2024 a staff member by the name of XXXX XXXX responded on behalf of Flagship Credit Acceptance. I was hoping that the CFO of Flagship will see the complaints I have been sending. CFOs of any company are aware of security payments. XXXX XXXX would not have any knowledge of this because she is not the CFO. XXXX XXXX also claims I have not sent in any proof. Here I have attached a 1099 form accepted by the IRS. Let me remind the company you cant collect on a debit that has already been paid for please do research or contact the IRS. Discharge this debit.