23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX we purchased an adjustable bed frame, but once it was received, we found it would not work for our needs. We contacted Mattress firm, and they told us they could not credit the account until the original order was received back, but they would open another account to place the new order. They said once the original order was received, they would credit and close the original account. That never happened. This debt was paid in full on XX/XX/XXXX. There were some unique circumstances, and we contacted the original debtor ( Synchrony Mattress Firm ) XXXX times after the charges were paid, and were assured that this would be reconciled. Once XXXX XXXX XXXX bought the debt, they did not have access to all of the pertinent information and were unable to assist. Below is a timeline of what occurred and the problems with this account. 

XX/XX/XXXX - We spoke to XXXX XXXX with Mattress Firm and placed an order ( XXXX XXXX. : XXXX ) for an adjustable bedframe and mattress, the total charge of {$2400.00}. This account/credit card number ending in XXXX. No interest for 12 months. 

XX/XX/XXXX The bedframe was delivered, however mattresses were not. The mattresses would not be available until XX/XX/XXXX. 

XX/XX/XXXX XXXX It was clear to us that the bedframe would not be suitable for us, so I reached out to XXXX XXXX XXXX via email to advise. He responded via phone and agreed to accept the return and we ordered the bedframe that would be appropriate ( XXXX XXXX. : XXXX ) XX/XX/XXXX Because the credit line wasnt enough to cover the return AND re-order simultaneously, he ( XXXX XXXX ) advised that we would have to open another credit card. This account/credit card number was XXXX. No interest for 12 months. 

XX/XX/XXXX We ordered the correct product and were assured that once they delivered the new bedframe and picked up the incorrect one, that a full refund would be given and that credit line and order would be closed. 

XX/XX/XXXX The correct product was received and the original was taken. The new total balance being {$2200.00}. 

The original account/credit card number ending in XXXX, was closed. We began making payments on the line of credit ending in XXXX. I will agree that we were late or missed payments, losing the interest-free promotion. 

XX/XX/XXXX We received the mattresses to complete the order. 

XX/XX/XXXX This charge was paid in full by us in the amount of {$2400.00}. 

They are now suing us for a debt we paid 100 % that was wrongly sold to a debt collector by Synchrony bank. We have disputed multiple times over the past 3 years, and contacted all involved multiple times, but no one seems to care that we have proof from our bank account that we paid it.
Product: Credit reporting or other personal consumer reports

Per the FCRA, As a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. 

Debt Recovery Solutions opened an account fraudulently, XXXX investigated my dispute and deleted the item from my report. I now have proof of claim and I am entitled to compensation. I am ordering that {$1000.00} must be paid to the account information provided below. 

Account number:XXXX Routing number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax as well as the 3 companies concerning hard inquiries once I received my credit report. I spoke with a representative and he stated that it was nothing to be done other than wait for it to fall off my report. I filed a FTC report and informed the representative of this information. I didnt give permission for these companies to access my information. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.
Product: Student loan

Again I can not be 120 days late in XX/XX/XXXX according to my credit report, if it was paid off in XXXX XXXX. Fed Loan has been messing with my credit since I brought to their attention the erroneous nature of their reporting. I need this to stop and for them to stop reporting on these loans since they are paid off. As shown in the include screen shot they still reporting erroneously
Product: Mortgage

I have XXXX XXXX XXXX XXXX along with other serious illnesses. In XXXX of XXXX I payed Franklin American my mortgage payment. I feel behind 6 months and was denied XXXX stating I could do other work which was disputed by all my physicians. I did advise Franklin American I would catch my payments up with my tax return which I did. Then they modified my payment to {$5.00} a month for twelve months. Around the 10th month in I had to fill out paper work for an extension as in all the times I sent this paperwork in they kept misplacing documents. I asked for a 1-6 months extension because with my attorney and Honorable Congressman XXXX XXXX I was given a on the record Fully Favorable decision from the XXXX in XXXX. I sent in the letter and all other documents, which the XXXX letter stating I was approved for both XXXX and SSI back dated to when I appliedXX/XX/XXXX. I told Franklin American I would pay all money owed them when I received my back pay. I called the loan work out department who said I was missing documents again and that my home was being foreclosed XX/XX/XXXX. I contacted the attorney who said a date was n't set but I just received paperwork saying if I do not pay {$130000.00} my home would be sold. Now I have to hire an attorney costing me more money that I need to give back to mother who I owe for my daily living expenses. I have received phone call after phone call from a automated number from this company this has put me under further stress and XXXX. If you check my payments up until my XXXX when I had an income I was paying my mortgage on time and more often early.
Product: Mortgage

My home equity line is going to the repayment phase in XXXX, and the payment will go up by over {$1100.00} a month. RBS/Citizens has sent me letters saying seek alternatives if this payment is too much or I 'd have trouble. I did call, and after getting bounced all over was rudely told there were no options for me as the house is now rented to keep it afloat since I could not sell it. They refused to do any workout or modification, but did say I could deed in lieu to them. They sent paperwork for that calling my loan in default when I have never made any sort of default in payment, insurance, taxes etc. I have always made all payments on time. They also called a completely separate loan in default on another property that has an RBS mortgage where I am also not delinquent and never have been and did n't even ask about that loan in my call. They refuse to do any sort of modification at all and tell me my only options are to pay off the loan or pay the {$1100.00} more a month, or deed in lieu the property ( having now told me I am in default when I have made all payments on time ). I want to do a modification to buy more time at a reasonable payment so the bank does n't lose money and I do n't lose the house and maybe the value comes back so I can sell it and get us all out reasonably and with payment in full.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding XXXX handling disputes, particularly the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple filling errors, and unfair credit card practices. 
From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). 

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; Delete THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 

REMOVE THESE INQUIRES AS THEY NEVER RECEIVED PERMISSIBLE PURPOSE TO FURNISH THIS INFORMATION IN PURSUANT TO 15 USC 1681B THEY ARE IN VIOLATION OF FEDERAL LAW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand a validation of debt in pursuant 15 USC 1692g If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 


Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX All rights reserved without Prejiduce UCC 1-308
Product: Debt collection

Merchants and Medical is attempting to collect debit on a XXXX card. The principal is {$29.00} and they are trying to collect {$280.00} and or settle for {$170.00}. I told them i am willing to pay what I owe in principal and some late fees. We had moved and XXXX only attempts to notifiy us was by way of postal mail. Merchants and Medical agent is very rude and made comments regarding my personal financial state outside of the debt they are trying to collect. Stating that we are probably paying high car interest rates as well because we do not pay our bills. The status of my other bills are not their concern nor should they comment on them. This is clearly a game they play which needs to be fixed.
Product: Mortgage

XXXX XXXX XXXX was my former lender account # XXXX illegally transferred my loan toRCS who has done nothing but give us the run around for months requesting the same documents over and over again. On XXXX/XXXX/2015 we submitted a complete loan modification package to RCS and trailing documents on XXXX/XXXX/2015. The submissions were acknowledge by RCS in a letter dated XXXX XXXX, 2015. We continue to submit documentsverbally requested by RCS throughout XXXX 2015, we received a letter dated XXXX XXXX 2015, Notice of Default and Intent to Accelerate, please keep in mind there has been no decision on our pending application prior to the XXXX/XXXX/XXXX letter. We continued sending documents to RCS throughout XXXX 2015, which RCS acknowledge again in a letter dated XXXX/XXXX/2015. In a ambiguous letter dated XXXX/XXXX/2015 from RCS denying our loan modification without providing a reason or cause which is required under California Homeowners Bill of Rights, RCS is in violation. We strongly believe that XXXX XXXX XXXX purposely dumped our loan on to RCS is known for foreclosing and not loan modifications. The letters we have received from RCS are dubious at best, misleading and not providing a clear path to obtaining the mortgage we have sought so hard for.
Product: Debt collection

I recently checked my credit reports due to the recent XXXX breach. Based on the information I show on my report, it was opened on XX/XX/2018. It is reporting under the company CBE Group as a collection for {$400.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or letters in the mail, therefore I have not had the chance to dispute this inaccurate information before being placed on my report. I want this account removed from my credit report immediately!
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. 


I told Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

Absolute Recovery SE is trying to collect a debt that I do not owe. They stated the original creditor is from XXXX XXXX XXXX. I do not owe the original creditor. I have been disputing the charge of XXXX dollars that is claimed by Absolute Recovery SE and its still continued to be reported.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

XX/XX/2018, I purchased a new car and was financed through XXXX XXXX XXXX, This loan should have been closed with GM Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below and delete these immediately : XXXX XXXX COOP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD ) XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX XXXX  XXXX  SERV ( Original Creditor : XXXX  BANK ) XXXX
Product: Student loan

I have applied for several loans for my XXXX sons ' college education. 
All of them - except one - had interest accrue only after them left college, and payments were to slated to begin until after that time. 
After my youngest son completed college, I expected to start repaying the loan from Navient, and upon receiving invoices I noticed that the total due was about {$5000.00} more than the actual loan of $ XXXX. 
It was only then that I noticed the paperwork was different from all the other loans I had secured. 
This does not seem correct, especially as I was unemployed when I had secured this loan. 
I wrote to Navient several months ago, and never received a reply and there is no record of my sending the message in my account file. 
I am wondering if this is the " alleged mistreatment of borrowers '' that your department is investigating within this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute XXXX stating I have fraudulent items on my report and it was said deemed correct. I reported that XXXX had a vehicle on my credit report which was not my vehicle but my ex XXXX XXXX. The information came back that XXXX didn't have any idea who she was. At not one point did I ever have ownership of the vehicle and was not notified of the repo until it was sold. In the claim number above XXXX stated they did not have any record of XXXX XXXX the owner of the vehicle and the only person to ever have the vehicle. I'm refiling the claim because I have proof they were being dishonest.
Product: Mortgage

We purchased our home in 2007 and at that time P.M.I. was required. We were told 2 years of perfect payments and it would be removed and found out that was a lie. We have requested many times it be removed from our loan and they refused too. At their request, we had our home appraised by their appraiser and when it came back, we were at XXXX % L.T.V. and we are required to be at XXXX %. When we requested it be removed they told us it had to be at XXXX % so we offered to pay it down to the XXXX % L.T.V. to have it removed. They are now telling us it is based on the " original '' amount of what the home was worth when we refinanced a year ago! This is NOT what the law states! They are claiming the value of the home was {$230000.00} when THEY refinanced it for {$240000.00} so they are claiming to have advanced well over XXXX % L.T.V. at that time! We feel they are and have been taking advantage of us and need it to stop!
Product: Mortgage

hello I made my Mortgage payment on XX/XX/2019, and I have been concerned about my payments not posting on my credit report so I called XXXX XXXX concerning that and come to find out the company had switched to Mr. Cooper with no notice I have not received a letter telling us the mortgage had changed and also that they have not received my payment yet I'm very concerned about this matter, Mr Cooper tried to  assure me that I had 60 days but what if the payment never shows or after 60 days then what I made my payment to XXXX XXXX on time and the day before it was due and I need them to rectify this now, FYI the CSR had me to call my credit union to confirm payment and she did confirm with him on the phone that the payment was made on the XXXX and I talk to another rep today and she said the companies just switched on the XXXX
Product: Checking or savings account

My Suntrust Truist checking account has been blocked since XX/XX/22. I have no access to the funds in that account since that date. My pay direct deposit of XXXX from my employer XXXX was deposited on XX/XX/22. My account was positive ( not overdrawn ) at the time of that payroll direct deposit. 

I cant access that account. I can not withdraw or move funds, and my access to online/mobile banking is locked/blocked. I have had no access to {$1700.00} of my money ( from my pay ) for XXXX weeks! 

On XX/XX/XXXX, I visited the Truist Branch ( old XXXX XXXX XXXX branch ) in XXXX XXXX, FL ( XXXX XXXX XXXX XXXX XXXX FL XXXX ). Branch XXXX XXXX XXXX ( Phone : ( XXXX ) XXXX ) said there was a fraud investigation on my account and they could do nothing. She stated the investigation could last over 30 days, and that they ( Truist ) would determine if they wanted to keep me as a client or not. 

She gave me the number for the fraud department to call ( XXXX ) but I cant get through and I am not getting any call backs that I requested. I have called every day since XX/XX/22. In the past XXXX weeks, average wait time is over XXXX hours, and each time I get cut off. 

I have received no letters at all from Suntrust or Truist about an investigation, or time line of it. According to the Truist telephone banking information, my checking account is still open and has {$1700.00} in it, but I can not access it. I want to close my account, and take that money ( XXXX weeks pay from my employer ) to my new checking account at XXXX XXXX bank.
Product: Credit card or prepaid card

I received a charge on my Fortiva card for XXXX that I did not authorize from XXXX XXXX XXXX. The gentleman advised the charge was made XX/XX/XXXX of this year. I advised him I have not used that card since late last year. He advised me they would investigate and it would take 90 days and then they would let me know. I asked him can't he simply call the store to verify the charge is fraud. He said no they can not do that. My issue with this is I did not look at the statement I would've paid the charge. How many elderly customers is this happening to? I can't believe with big companies that they can not do better tracking than this. It doesn't even advise what I am being billed for!
Product: Money transfer, virtual currency, or money service

I tried to buy a game currency for XXXX XXXX, and someone showed up in XXXX and offered me the service.

He provided 2 emails : XX/XX/2019 XXXX XXXX -negative {$360.00} Money Sent Repeat this transaction Your recipient should have the money by XX/XX/2019.

Paid with XXXX XXXX XXXX XXXX XXXX XXXX Credit Card VISA Credit Card XXXX You'll see " PAYPAL XXXX '' on your card statement.

Transaction ID XXXX Sent to XXXX XXXX   XXXX Details Sent to XXXX XXXX {$350.00} Fee {$15.00} Total {$360.00} And he also provided this other email : XX/XX/2019 XXXX XXXX + {$360.00} Refund The original purchase was on XX/XX/2019.

Refunded to XXXX XXXX XXXX XXXX XXXX Visa Credit Card VISA Credit Card XXXX You'll see " PAYPAL XXXX '' on your card statement.

Transaction ID XXXX Seller info XXXX XXXX XXXX   Refund details Refund total ( includes tax and shipping ) {$350.00} Fee {$15.00} Total {$360.00} From the first email ( XXXX ) he did a refund, and told me to send it to the first one ( XXXX ) and then he blocked me and disapeared with the money.
Product: Debt collection

I have asked Portfolio Recovery to stop calling me during work hours, but they continue to do so. I normally receive 4-5 calls weekly and they have been calling my wife 's number as well and it's not even in her name. I can never tell if it is them calling because they call from a different number every time. I have a job where I am on the phone a lot with a lot of different people so it is extremely disruptive to my work and I have told them that.I
Product: Checking or savings account

I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report. 
NAME OF BANK BANK ACCOUNT ROUTING NUMBER DATE ACCOUNT CLOSED BANK OF AMERICA XXXX XXXX XX/XX/2020