23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On today X/XX/2016, I received a notice in my email from XXXX XXXX that a new account was added to my credit report. After login into my account I found out that the account was from a XXXX XXXX XXXX in the amount of {$120.00}. XXXX XXXX XXXX was notified by phone ( to number XXXX to XXXX XXXX and XXXX XXXX ) that they were in fact in violation of the FCRA, FDCPA for placing this alleged account on my credit report without prior notice in written as required under Federal and State Laws. I have no knowledge of this alleged account, never received and prior written notice before this alleged account was placed on my credit report and after it was placed on my credit reports. They are required under FCRA 1681-s2 ( b ) to verify any alleged account before reporting it to the CRA 's.
Product: Credit card or prepaid card

I have an AA Citibank Mastercard. I made a reservation in XXXX in XXXX for a XXXX trip. XXXX cancelled our flight. My XXXX  and I could not get to XXXX, then. Our reservation was refundable, as long as we advised the XXXX XXXX at least three ( 3 ) days in advance of our scheduled arrival. We notified the Hotel nearly two months before our arrival of the XXXX cancellation and the fact that we could not get to XXXX. The Hotel refused to credit our card, despite more than a dozen attempts. We contacted our Credit Card company to dispute the charge. The Citibank card gave the Merchant 45 days to respond. They gave us two days to respond. I dropped everything and submitted a four page detailed response. Citibank denied our Disputed Claim. When we called, they said they never received the dispute. I submitted the supporting information to Citibank 's provided email address and received a receipt indicating it was received. We called. Citibank said, oh, okay, we have it. After weeks they denied our dispute and said we need to purse the Hotel directly, which we did for nearly two months, to no avail. I called Citibank and they indicated they could not give us a credit until the Hotel agreed. I do know that is not the process. Citibank clearly was working for the Merchant and not us and we are out more than {$800.00}. We do not believe Citibank followed the law in handling this dispute and further, clearly were not there to protect our interests as their customer, but rather only wanted to help the Merchant we believe, so Citibank could keep its fee. We are outraged that we have a refundable reservation and can not get a refund. We would appreciate your help because after 4 months of fighting this, we are out of options and energy. Thank you very much. XXXX XXXX
Product: Debt collection

Kohl 's calls me AT LEAST 6 times a day from different numbers. I know it is them each time because the numbers are very similar and sometimes, not always, will leave a voice mail. I usually ignore the call because I 'm at work or getting my kids to bed when they call. Once I did answer it and the rep immediately asked for my banking information or credit card information. He made zero attempt to work out a payment plan i could afford until I asked. He then threw a number at me and kept pushing for my information after I told him repeatedly I ca n't make a firm decision without discussing the budget with my husband.
Product: Credit card or prepaid card

please see the attached for a detailed account of what I experienced. Amex forced me into arbitration ( this time via messaging -- > please check the records, I will also be subpoenaing to obtain this information, as I requested a record of the chat, and I have not received any such copy/transcript as of my writing this comment ). In a nutshell, Amex XXXX my credit score and now keeps repeatedly forcing me into arbitrations/to pay them money when it isn't due or they wont approve my purchases ( which I need to make to pay them ). They have done this to me three months in a row now. The fact that I'm not homeless is a small miracle ; and, honestly, it is a testament to how strong my support system is - both my friends and family members. I couldn't have asked for a more amazing base. And I've needed it with everything Amex has put me through. I am a genius ( literally ), and, if Amex had their way, instead of contributing to science and helping humanity, I'd be dead, in jail, or homeless specifically because of their actions. If I did not get lucky by happening to have people in my life willing to support me, this is what would have happened. No question. And the fact that it has happened three months in a row is not only INCREDIBLY criminal ( and in violation of SEC Ethics and International banking regulations ), I feel this is purposeful negligence. They know that they have wronged me, and they also know that I'm still in a precarious position. What better way to get rid of a potential lawsuit than by bankrupting the prosecution and illegibly forcing them into insolvency. Because that is what is currently happening. And despite their best attempts, I am wealthier than I have ever been ( please see the attached ), and I will be using my newfound wealth to make sure Amex sees repercussions. I was going to allocate {$50000.00} to pay off my student loans ; however, that can wait ( /s ) - I have a better use for that money now.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found the followings unauthorized inquiries : Creditor Name Inquiry Date XXXX XXXX XXXX XXXXXXXX. TRANSUNION XXXX XXXX XX/XX/XXXX, TRANSUNION XXXX XXXX XX/XX/XXXX, TRANSUNION XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX, TRANSUNION I have already XXXX the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Product: Credit reporting or other personal consumer reports

There is information thats on my personal consumer report, that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report ( 15 USC 6802 ).

I am requesting that the reporting of this information be blocked and deleted -IMMEDIETLY!

My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions in the FTC report are not information related to any transactions by me as the consumer.Under 15 usc 1681e ( b ) you are REQUIRED to ensure the maximum possible accuracy of information reported.

You are REQUIRED to do what I am asking, and block this transaction from being reported to my consumer report within 4 days from the receipt of this notice, pursuant to 15 USC 1681c-2.
Product: Debt collection

I am receipt of Transworld Systems letter informing me they are handling the collection of an account that is a debt. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Transworld Systems and me which makes them entitled to enforce a commercial claim against me. Transworld Systems have not provided any proof of contract to substantiate their claim. Such as providing me with a certified copy of an original contract with my signature, specifically naming Transworld Systems as a company entitled to enforce a commercial claim against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize having any agreement with any of these account above and i am not liable for these accounts, These alleged debts are not mine i never enterted XXXX signed agreement or completed an original contract with any of them.These inaccurate collections are NOT MINE.I never provided any written consent or premissible purpose for these allege creditors to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted dispute letters prepared by my Paralegal according to the Fair Credit Reporting Act and requested in the letters the names of the individuals at XXXX Trans Union and XXXX to provide me with the information that they used to verify the accuracy of the disputed items published on my credit reports. I requested credit applications used to open these disputed accounts reported on my credit report is truly me. These Bureaus publish information taken from any creditor without first validation of the accuracy of the information published and have been doing this for years in violation of the FCRA and getting away with it just like police officers and their XXXX acts. I requested copies of updated credit reports, names if the individuals who verified these accounts application used to open the accounts and any pertinent information they claim identifies me as the individual who opened these accounts. We have a non profit group of individuals who are preparing the same letters to combat the frivolous fraudulent information published on individuals credit reports unverified for monetary gain from the credit bureaus. We are going public on the radio announcing what the credit bureaus are doing and offering FREE service to assist in disputing wrongful information on XXXX Americans credit reports with the intention of bringing a class action lawsuit against these agencies.
Product: Checking or savings account

Navy federal credit union just this year alone has hit me with so many over drafts fees without me deserving it. And they do no investigation to help my claims. They allow this to happen always preventing me from using my account. I get double charges because the company charges me and so do they. I really need your help
Product: Student loan

I received a letter from the XXXX XXXX XXXX XXXX on XX/XX/23 that my loans were all forgiven. I also received a letter from ed financial on XX/XX/23 stating that this was inaccurate information because it was not covered by my borrow defense claim ( Application # XXXX ). This claim is in regards to DeVry Universitys Sweet v. Cardona case and all my loans should be forgiven.
Product: Mortgage

I applied for a refinance XX/XX/2016 through Guaranteed Rate. They said I was pre qualified for a XXXX refinance. They just needed {$400.00} for appraisal. I was told I was to receive the report same day they received it from appraisal company. That was almost a Month ago. I reached out today about the delay. My mortgage broker said they were n't moving on with the mortgage. Houses in my area are selling between {$300000.00} and {$400000.00}. I told her if she was pulling out of the deal and still had n't provided me with the report, I wanted my {$400.00} back. Her response was they had n't charged me for anything. So, now I am really confused. Most recent email stated " per my request, my mortgage application was closed ''.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
CB/XXXX  XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I applied for the mortgage modification/forbearance program with my mortgage servicer, PHH Mortgage XXXX I was approved and accepted and received an extension through XX/XX/2023 and was instructed not to make payments until then. I was approved and the company even played back a recorded call to confirm that that is what I was told ( see attached ) On my Credit Report, all 3 major credit bureaus have derogatory information showing that I missed/non payment for my Mortgage with PHH for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove the non payment for those months as I was in a modification/forbearance program and was approved and told by my mortgage company not to make payments during that time. 

I have attached supporting documentation of the mortgage company confirming that a PHH representative told me to do so and the modification document saying when my first payment will be due. 

This is a bad practice and predatory for the bank to tell me that my credit would not be impacted because I was going through hardship and in forbearance but instead did the opposite.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear CBNA, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the California Consumer Credit Reporting Agencies Act ( CCCRAA ) under California Civil Code Section 1785.20.5, and identity fraud laws, specifically California Penal Code Section 530.5. 

It has unequivocally come to my attention that CBNA has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, California state law, specifically California Civil Code Section 1785.20.5 of the CCCRAA, emphasizes the necessity of consumer consent for credit reporting. Furthermore, California Penal Code Section 530.5 underscores the severity of unauthorized access and misuse of personal information, which is classified as identity theft under California law. 

I assert with unwavering certainty that I have not provided consent for CBNA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CBNA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Section 1785.20.5 of the CCCRAA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CBNA will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Mortgage

We began the process to purchase an apartment and signed an purchase option on XX/XX/XXXX. We submitted the application to the loan originator and in XX/XX/XXXX we received a Loan Estimate for a loan of 90 % of the Purchase Price that was the loan that was discussed with the loan originator. All documentation required was submitted to a loan that were pre-approved before we initialize the purchase process. 

On XX/XX/XXXX, and because the appraisal was received for a lower market value amount of the original Purchase Price, we agree with the seller and submitted an amendment to the Purchase Option Contract to reflect a new Purchase Price. After that change we did not receive a new Loan Estimate from the loan originator. 

The process continue and after all updates and documentation provided we received a call from the loan originator officer on XX/XX/XXXX that the loan was approved by the investor at 90 %, as primary residence, but the PMI insurance rejected the coverage due to the condominium can not be insured as primary residence. They give us the alternative and sent new Loan Estimates with loans at 80 % which represent a significant larger amount from us and differences in the closing costs from the original one.

I think is important to add, that from the beginning we made clear that we were not interested in a 80 % loan, so was for us a surprise that at the end of the process they are saying that we have approved a loan that can't be close and feel that we were tricked in the process. We rejected the new loans offer and we are losing the opportunity to buy the apartment. After the rejection of the new loans we had not received comments from the Mortgage Originator.
Product: Credit card

I opened an account at XXXX with Synchrony Bank. During the holiday season, someone depleted money from my checking account. I called Synchrony to explain what was going on and informed them that until I had money to put back in my account I was not able to make the payment on the card. They said they understood and not to worry - DAILY I received calls 2-5 times a day as to when I was going to pay the amount due. Once I got the money, I paid {$150.00} at XXXX and the next week I got a collection letter. I am trying to bring my credit report up, not lower it. In addition, I have a Care Credit account with Synchrony. I was paying {$50.00} 2x a month until it seemed that more money than I authorized was coming out. I immediately went into Care Credit and removed any future payments and then called Synchrony to make sure they had no other payments listed that they would take out for. I was told they saw nothing. Next month they took out {$50.00} and they cashed the check I sent them for {$50.00}. I have an Amazon account with them, so far so good, but I am sure after I have complained to the FDIC you and the Ohio Attorney General 's office that something will go wrong with that as well. In addition, I have requested paper statements - it is hit or miss when I get a statement - though they say they are sending them to me. I have been reading many, many complaints online with regards to Synchrony Bank - I wish I had read them before now.
Product: Debt collection

Received a letter from Transworld Systems which claimed I was delinquent in paying the XXXX XXXX of XXXX. As I had never received a bill from the XXXX XXXX and was not aware that I owed money for any goods or services I contacted XXXX who said that no bills had ever been sent to me and that Transworld was contracted to help their billing office send bills on open accounts. XXXX XXXX verified that my account was not delinquent as I had never been asked to make payment. In spite of this, Transworld claimed I was delinquent on my account which was untrue. Further, Transworld employee, XXXX XXXX, was rude and refused to answer my questions concerning Transworld 's relationship with XXXX XXXX and refused to acknowledge that there was not a delinquent debt.
Product: Money transfer, virtual currency, or money service

I noticed money sent to another account on my cash app. I did not send the money and hadn't used the cash app for about a week before this. I received {$10.00} from a friend for splitting a meal with him. So I go to my cash app to check if I received his money and that's when I seen the charge on my account as sent to a random account. I contacted cash app about this incident and cash app could not respond with an accurate answer. I tried calling a cash app number I found online but could not reach a real person. My frustration grew because it was a {$900.00} charge. Still no response I left my email info to reply back to me and it's been about 8 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a joint credit card with another person thru wells fargo bank, this other person had a problem with this band and closed all his accounts and they closed the credit card, they didn't consult me or inform me of them closing this credit card, I placed a call and they told me there was nothing that could be done. even though all the charges on this credit were not mine, I continue paying on the credit on time, there was never a late on this account for the past year or so. 

On XXXX the XXXX of XXXX, I tried logging on to my online banking at wells fargo to make my usual payment towards this credit card and discovered that the account had been removed form my online banking, without any notice whatsoever. I call and was send over to the bankruptcy department. they refuse to give any information. I kept calling to get information on the account until finally on XX/XX/XXXX I was able to get information form the credit card department. they told me that the account was in charged off and she couldn't access the account. I responded that I needed to make a payment on the account and I didn't wanted to be late. she gave me an address and told me to send the payment there. at that point didn't want any more problems with this credit card and I manage to put enough money together to pay it off, and I did I send them the whole amount and paid it off completely on XX/XX/XXXX. 

Until today the account still shows delinquent and charge off on my account. every time I contact wells fargo they tell me there is nothing they can do. I want as far as requesting a credit report from XXXX on this account and it shows all payment where made on time. 

My credit score before this problem was in the mid 700 and know is in the mid 600. this problem is affecting me greatly and I want all this removed from my credit report, because all the information that wells fargo reported is totally incorrect. 

I was in the middle of purchasing a home and know I had to put everything on hold because of wells fargo not reporting information correctly.