23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a XXXX-year contract with XXXX XXXX XXXX a provider of home security systems. The monthly payments were collected automatically via a credit card. However, the credit card on file was replaced by the financial institute and payments could not be collected. I did not receive any notification from XXXX XXXX about this. They were in contact with my son ( I was working XXXX ) and made no mention of any issues or that I needed to contact them. I did not receive any email, phone call or USPS letter from them about this issue. Further, I called them in XXXX to confirm the contract had expired and talked to a representative. No mention of any debt was made to me. Today, I received a notice from a debt collection agency that XXXX XXXX referred my outstanding balance to them. This letter was the very first notification I received that there was an issue. When I called XXXX XXXX about it, they insisted they called me and sent me an email and USPS letter. And, yet, I never received any of those notices. I have to wonder how it is possible I never received any of the XXXX notices. And, that is assuming they attempted to contact me only once. This action on their part failed to provide me with the ability to make payment and resolve the issue or to dispute any debt. The proof that I was willing to make payment is the fact that I contacted the debt collection agency ( Hillcrest Davidson, XXXX, account number XXXX ) and made full payment. The actions of XXXX XXXX could have damaged my credit report at a time I am working to refinance my mortgage and violated my rights under the law.
Product: Student loan

I became severely ill and almost XXXX 2 times. Unfortunately, I lost my job while going thru treatments. The treatments continue and will continue probably for the rest of my life. Due to my XXXX horrible illness, my doctors instructed me to to file for social security XXXX and VA XXXX. Which I did. I was approved for both at full XXXX. I am 100 % total and permanent XXXX thru the Department of Veterans Affairs and on full Social Security Disability. 

All of this information has been communicated for the last few years with Navient. The company will not listen to you as their customer. I have sent letters from social security and doctors. I have sent letters from the XXXX Navient does not care. They will continue to call you and your family 10 to 15 times a day. They will continue to report negative information every month on your credit reports and completely ruin your credit profile. Navient will put your student loans into default even when they have all of this information in front of them. 

Due to all of this negative reporting on the credit reports, my wife and I have lost opportunities to rent apartments and or houses in our area. Our car insurance is higher and our monthly payments on the vehicle we have is extremely high.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management has caused me a great deal of stress. I have been struggling with an account that is not mine. I have submitted multiple dispute letters requesting for validation of the debt which included sending me the original contract with my signature showing that I owe this alleged debt. Nothing was sent back to me. I then sent in a 30 Day Demand of Comply within a 60 day period being that I never received a response. This is a violation under the FCRA. Futhermore, I am aware that Midland Credit XXXX entered into a final judgement and order with the CFPB. Under terms of the order, the business agrees to pay {$79000.00} in redress to consumers and a {$15.00} million civil money penalty. Because of this, I am still not understanding why this issue has still not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this item of XXXX XXXX XXXX was deleted from my equifax credit file back XX/XX/XXXX due to fraudulent activity. 
Now i have discovered that this item has been reinserted on my credit report as of XX/XX/XXXX. 
In accordance with the requirements of the FCRA section 611? ( a ) ( 5 ) ( B ) ( ii ), Equifax is required to notify me of the reinsertion in writing within 5 business days. I received no such notification. I am demanding that Equifax delete this item immediately. This is a very serious violation of the FCRA. 
Your help is appreciated
Product: Money transfer, virtual currency, or money service

I have a checking account with Chase bank. There seems to be a security breach. My account was compromised and someone used my debit card for a XXXX XXXXransaction. a fraud issues was registered with Bank on XX/XX/2024, case # XXXX. I have been taking a follow up from Bank to provide the details of the security breach, unable to get a response. 

On a courtesy, Bank credited back the transaction amount and cancelled my exsitng debit card. 

I do not use my debit card and it is so surprising how the debit card details leaked in bank.
Product: Mortgage

My mom, XXXX XXXX, passed on XX/XX/XXXX. She had reverse mortgage with AAGXXXX. I notified XXXX to inquire what next step was. I emailed them and received confirmation of email on XX/XX/XXXX requesting letter of intent to sell along with real estate listing and asking price. I notified them on XX/XX/XXXX that an offer was accepted and the house was in contract.On XX/XX/XXXX I received a letter from XXXX stating that the property was in jepardy of going to foreclosure. I called XXXX along with lawyer after receiving letter to inform XXXX once again that house was in contract. Since then I had been in contact with XXXX up until contract was signed and copy emailed to them in the beginning of XXXX, XXXX. Date was set for late XXXX or early XXXX for closing. On XX/XX/XXXX XXXX had lawyers file for foreclosure on the property. I received several packets of foreclosure paperwork starting on XX/XX/XXXX. The property closed on XX/XX/XXXX and XXXX was sent payoff check electronically. Complaint is that I was charged {$4200.00} in unecessary legal fees knowing that property was in contract. we were also charged 7 days additional interest after waiting 7 days for payoff figure from XXXX, {$130.00}. There was also a charge for {$170.00} for mortgage insurance from XXXX! Loan # XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. How can XXXX get away with chrging legal fees on a home that was in contract and they were kept informed by email as requested! Sincerely, XXXX XXXX ( XXXX ), XXXX
Product: Debt collection

Multiple calls during business hours, refused to identify what they are calling about without me revealing sensitive information to " verify '' who I am, which is in clear violation of FDCPA regulations
Product: Mortgage

We entered into a contract with a XXXX XXXX. He was pre-approved and everything was going smoothly until it came time to close, and the closers at UWM on his loan have repeatedly lost information and delayed the closing date by 3 weeks at this point. They keep calling the title company and saying his file has met all the conditions, but they wont issue the clear to close. I think he is being discriminated against and red lined because of his national origin.
Product: Vehicle loan or lease

Mercedes Benz Financial Services Fraud department placed a block on my account and restricting me or XXXX customer to take payments from me and removed my auto pay from my account. I called the fraud department and talk to XXXX and XXXX and they both stated I was not able to make payments to my account until its cleared from fraud. So I mailed payments to them and a week later XXXX account receivables sends them back and I call every single day to make a payment and customer services says it want let me apply any payments towards your account! Superviser from Customer Service also documented this account heavily that I was trying to pay but fraud had my account blocked and no one can make payments! So XXXX XX/XX/2023 I got a call from customer service with XXXX saying that the fraud department removed the block and now all payments are no allowed to me processed. so I made all payments and 3 payments ahead. but now they put a 30 day late of my credit file and I wasn't late and was told I wouldn't be responsible for payments until the fraud department releases the block. This is so wrong to block someones account and collect there money and then put a 30 day late on your report when they wouldn't take payments.
Product: Credit card

We have a PayPal Extra Mastercard through Synchrony Bank formerly GE Capital. Evidently General Electric does n't want people to know they run and operation like this with PayPal. We are forced to pay the bill on this card through Paypal or by phone. Neither methods are reliable. 
PayPal and Synchrony Banks phone line are broken more than 50 % of the time. Today I was on the phone for XXXX minutes as I tried to pay my bill. Every time I pressed the keys or spoke my request the tape loop just repeated itself. This happens at least 50 % of the time when I call. I do n't know if this is a game they play so you are forced to use PayPay, but it is ridiculous and should be illegal. 
I called Synchronicity 's helpline and got someone whom I could barely understand. I was transferred to a supervisor -- really a henchman whose job it was not to help me but make the situation even more upsetting. He was rude and arrogant and gave me nothing but excuses. When I told him I was n't interested in hearing excuses for their phone billing service being broken all the time and charging me XXXX dollars to take my payment with a representative -- who is in some foreign country and I am forced to give my checking account information -- he got nasty. 
Unacceptable that these banks and financial companies like PayPal treat their customers like garbage. They offer no service. Talking to someone who is reading from a script in XXXX is not service. Then being transferred to some bully who is paid to abuse customers is unacceptable. I was so angry I said a few choice word and hung up without paying my bill yet again. PayPal and Synchronicity must be forced to provide service. We should not be FORCED to use paypal or the phone to pay. When neither is reliable and more often than not BROKEN. 
I have tried paying by mail with this bank -- mailing my bill in plenty of time -- and they play games with that as well. Saying it was n't processed until it was late even though it got there in plenty of time. 
Please investigate these XXXX companies. They are both criminal. That this goes on in the US is unbelievable. When we got this card six years ago we spoke to intelligent people who could actually help us. This is not longer the case. I have wasted hours of my time trying to pay this bill just today. And it happens over and over again!
Product: Student loan

I have both Federal and private loans ; fortunately, the income-based repayment for the federal loans requires a reasonable payment ( XXXX-time ever I am grateful for a XXXX ), but the private loan will not consider the fact that with its MASSIVE payment requirement, over half of my monthly salary goes towards student loans. It is crippling and because of the amount of loans in the XXXX place, they will not approve me for a consolidation or refinancing in order to lower the payment. They have absolutely no options for people who are being suffocated by student loans, and let 's face it, the education industry is n't exactly going to yield XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The westlake financial account was closed as a charge off and closed account is off XX/XX/2020. The creditor agreed to remove off the report and is still popping up on the report I tried to dispute it numerous times and is still there it is in violation of my rights. According to the fair credit report action section 609 you are required by federal law to verify through the physical verification of the original sign consumer contract any and all accounts you posted on the credit report. I already demanded the verification proof the original consumer contract with my signature on it. it havent been sent. I disputed this account numerous times are ready.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was totaled loss XXXX XXXX sent pay off to Credit Acceotance XXXX week of XXXX. Credit Acceptance didn't process until XX/XX/XXXX and closed account on XX/XX/XXXX marking on my credit report that I was 60 days late when I had never missed a payment.
Product: Credit reporting or other personal consumer reports

I filed a police report with the XXXX sheriffs department due to multiple fraudulent accounts being opened on my credit report I also have attached my identity theft report from the FTC. Along with a copy of my identification. These accounts are fraudulent and the result of identity theft. 
1 ) capitol one {$6400.00} opened XX/XX/XXXX XXXX ) XXXX XXXX  {$3000.00} opened XX/XX/XXXXXXXX XXXX XXXX 3  ) capitol one {$3000.00} opened XX/XX/XXXX 4 ) XXXX XXXX XXXXXXXX {$2800.00} opened XX/XX/XXXX 5 ) XXXX {$4500.00} opened XX/XX/XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) is a section of the Fair Credit Reporting Act that requires a consumer reporting agency to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. The agency must block the information not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer, a copy of an identity theft report, the identification of such information by the consumer, and a statement by the consumer that the information is not information relating to any transaction by the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 my trans union credit report dropped 3 points for absolutely no reason at all. My credit is impeccable and should be going up not down. I believe the algorithms have bugs in the software. They have it rigged to drop your credit based on credit card usage, but do not take in to account all of my accounts are XXXX out at the end of the billing cycles. My mortgage, and car lease are steadily going down. My credit cards are always XXXX out without owing any outstanding balances. Mistakes like this cost consumers like myself money when it comes to renewing car insurance. This may be deliberate misbehavior to keep consumers like myself paying more money. I have had habitual problems with Trans union over the years for the same issues. When they make these mistakes it takes months to correct.
Product: Bank account or service

XX/XX/2015 I traveled to California. I noticed early Sunday morning ( XX/XX/XXXX ) that many fraudulent charges were made to my account. I tried to immediately notify Bank of America. They were closed so I had to wait a few hours until their fraud department opened. Once I reached them, the agent indicated that I had to wait for all of the pending and incoming transactions to actually clear before they could help me. So once they cleared, I had to call back again and get their assistance. 
It took a few days, but Bof A returned my money. I thought it was resolved. 

On XX/XX/XXXX, Bof A began taking my money out again. I called and after speaking with XXXX agents I was told that my claim was denied. I was told that BofA had written proof from each merchant that I made the purchases. The " proof '' indicated was my full address. 

Many of the charges are obvious - large sums of cash, the purchase of XXXX cell phones from different companies ( neither my current provider ), and multiple calls to a correctional facility. There was also an initial charge to XXXX a company that can pull all of my vital information ( address, birthday, email address, phone number ) which happen to be the items Bank of America claims they verified with the individual merchants ; this is the basis of their denial of my claim. 

I started contacting each merchant. Based on the limited information from my bank statement, the same limited information that Bank of America has, they can not find any evidence of the transactions ; which refutes Bank of America 's claim that they were able to prove that I made these purchases. If I ca n't get to who used my card and my own information, then how can Bank of America deny my claim based on that supposed information? 

I have now spoken with XXXX agents regarding this incident and have yet to be returned my {$1800.00}.
Product: Debt collection

I already disputed this charge with XXXX  XXXX through CFPB and this was resolved and dropped and not on my credit..I had transferred actual charges to another card and these charges were from Identity theft and fraudulent. You should have a record of this situation years ago. Now I am receiving collection notices from Resurgent and have replied through US mail and phone calls. I have spoken to them on the phone and written letters telling them all of these things and to stop calling me and they continue to do so.
Product: Checking or savings account

Zelle, sending my money to different ppl who added did not authorize
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX  ) XXXX, XXXX XXXX ( Original Creditor XXXX ) XXXX, and XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) 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 an 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports : 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 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  Please remove these items ASAP.
Product: Credit reporting or other personal consumer reports

My rights under 15 USC 1692C the fair credit reporting act says If a consumer notifies a debt collector that the consumer refuses to pay debt, the debt collector must receive all communication.

Trans Union has clearly violated my rights as the consumer under the fair credit reporting act under 15 USC 1681 providing information without consent
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 an confidentiality under XXXX XXXXXXXX XXXX XXXX XXXX, {$11000.00} XXXX XXXX, # acct XXXX, {$230.00} XXXX XXXX, acct # XXXX, {$13000.00} XXXXXXXX XXXX # acct XXXX XXXXXXXX XXXX XXXXXXXX, {$190.00} XXXX XXXX acct XXXX {$120.00} XXXX  # XXXX {$7900.00} XXXX acct XXXX {$1000.00} XXXX XXXX XXXX  # Acct XXXX {$730.00} XXXX XXXX  # acct XXXX {$250.00XXXX XXXX XXXX XXXX # acct XXXX {$19000.00} XXXX acct XXXX {$480.00} XXXX # acct XXXX {$7900.00} XXXX XXXX # acct XXXX  {$130.00} XXXX # acct XXXX {$480.00} XXXXXXXX XXXX  # XXXX {$730.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX {$49.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$450.00} XXXX XXXXXXXX {$1400.00} has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( XXXX  ) section states no consumer reporting agency may make any consumer report containing any of the following items of information and Any other adverse items of information other than Records of convictions of crimes which a the antedates the report by more than seven years 15usc 1681s-2 ( XXXX  ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Balance : {$800.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX Balance : {$430.00} Account Name : BLANK ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$0.00} Account Type : Collection I am filing this complaint due to accounts on my credit report that were opened fraudulently as a result of identity theft. These accounts were added without my consent, and I am requesting their removal under FCRA Section 605 ( b ), which mandates the deletion and blocking of information resulting from identity theft.