23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

recently applied for credit and was denied based on this fraudulent negative collection FROM CREDIT MANAGEMENT COMPANY appearing under my name. I DO NOT OWE ANY MONEY TO THIS COMPANY for this alleged debt. I am refusing to pay this debt until the company can provide me with the requested information for validation of this debt.This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I ask that you provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. XXXX ) A complete Audit Trail calculation of this balance, including the complete payment history on this account XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. XXXX ) The Agreement that grants you authority to collect on this alleged debt. XXXX ) A copy of your state license, including license number that give you rights to collect in my state. XXXX. ( The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you ) XXXX. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because neither of us was present ) XXXX. ( The Original Promissory Note on this Alleged Debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA. Also, you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you. 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection or to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only. You have 15 days from the date of this letter to respond with all items requested and I demand this item be removed immediately from all credit reporting agencies and 3rd parties or I will seek l XXXX compensation damages for the violations you already committed.
Product: Credit card or prepaid card

I used XXXX charge card to make a purchase of XXXX XXXX membership on XXXX XXXX XXXX. I had an offer " Spend $ 99+, get 5,000 Membership Rewards Points '' and it was attached to the card before the transaction as required by XXXX . However points did not post and I did not receive a confirmation that I used that offer. I contacted XXXX in regards to this issue and they opened a case and started investigating on XXXX XXXX XXXX. I also provided a receipt from XXXX with the description of that transaction for XXXX. It has been more than a month and that case is still pending. It is annoying to keep thinking about those points and transaction. I want XXXX to give me 5000 Membership Rewards Points as they promised and also add 5000 same point as a courtesy for all this disturbance.
Product: Consumer Loan

I applied for a loan with Argon Credit on line. I was ask to submit documents to verify identity, employment etc. I submitted all requested documents and was informed a decision will be made in 2 days. After 2 days they approved my loan for XXXX and sent me XXXX sign form to sign and send back. I signed the form which is binding and sent back. Later I was sent an email that I had been denied after they had approved me and obtained my signature. I call and spoke with a lady name XXXX who was rude and very unprofessional. Never heard of a financial company approving you for a loan get you to sign documents then reversing there decision but holds the loan documents with my signature. I would like legal advice on how to handle this matter my application could have been denied before I signed my signature. I still the signed documents in my email. Something is not right.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of a data breach, and as a result, an unauthorized inquiry appears on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and removal of the following inquiry from my credit report : Unauthorized Inquiry : XXXX Date : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX # XXXX pulled hard inquiries twice without approval for any. Never even applied with them Also XXXX XXXX XXXXpulled hard inquiry one without approval. 

I applied for a loan that stated soft pulls only, the next day the loan companys listed did a hard pull without my approval, I never even applied through them period
Product: Credit card

My complaint today is against Synchrony Bank for the lowes credit card. This is the second time i have applied for their card and they have declined me without merit. I believe that they are discriminating against me for my Age. I am putting in this complaint to make the CFPB aware of the illegal practices that Synchrony Bank is taking. They have no merit to decline me as you will see my XXXX XXXX Credit Report which is the report that they pulled is free of delinquencies and I have over an XXXX Fico Score. I am also attaching the Application Reference Number they provided on the XXXX XXXX Application.
Product: Payday loan

Lender is contacting my husband, in laws and other people and discussing information about said debt, yet has not mailed a notice or even left a message on my phone. I am being told they are preparing to sue me, yet I have no notice as to what the debt is.
Product: Mortgage

I currently have a mortgage with Loancare. In the past I have had many issues with their online system and payments being taken out in a timely fashion. I would submit a payment and it would take their system sometimes more that 5 days to take the money out of my bank account. On one occasion I was charged an overdraft fee because they said I did not have enough money in my account to pay the loan. I had more than enough money to pay it so this was an error on their part of their system. 

Recently I applied for a new loan through XXXX XXXX. I wasn't able to get one because I had too many late payments from Loancare on my record. I was also told by the loan officer at XXXX XXXX that she sees this all the time with Loancare.People apply for a new mortgage  and are denied because they have reported late payments on their credit report. I believe this is happening because of their faulty system. I went ahead and contacted the company to try and have Loncare fix this. They refused and said what is reflected on my credit report is correct. I believe that because of their faulty system it is their fault that I have these incorrect reports on my credit report. I would like them to update my late payments. I believe they are incorrectly reporting payments dates to the credit bureau. I have a mortgage through XXXX XXXX for over 7 years and have never made 1 late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX WELLS FARGO XXXX Date XXXX XXXX XX/XX/2012 Balance : {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company fraudulently duped me into a credit card without my knowledge. I never signed a contract or had prior knowledge of a impending sale or transfer to Comenity / Ad or whatever name they go by. 

I had a {$7000.00} XXXX XXXX with XXXX XXXX which never exceeded {$6400.00}. The new company caused so many problems that my loan was sold to any attorney XXXX XXXX XXXX whom I settled with & had deleted from my credit profile. 

This fraudulent Ad / Comenity XXXX XXXX XXXX XXXX keeps reporting fraudulent information stating that I held a highest balance with them of $ XXXX then more recently $ XXXX I've tried to dispute this erroneous information & I've even called them to personally ro express my concern & dismay about this fraudulent information. 

This is my final attempt before seeking legal means to delete this from my credit profile forever. 

I am aware that others have had the same issue that I endured. ( See Below ) https : //www.classaction.org/news/sterling-jewelers-comenity-bank-hit-with-class-action-over-phony-store-credit-card-sign-ups
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting an account that is in litigation. XXXX XXXX XXXX XXXX is in litigation.
Product: Student loan

XX/XX/XXXX I attempted to payoff my student loan with Nelnet. I contacted them for a remittance address. I was given the wrong address and my remittance ended up with the Department of Education in XXXX. When this problem was discovered, I contacted Nelnet. I was told by the customer service people that my loan would be put in forbearance and not accrue interest as it would take some time for the refund from the Government. It was their mistake to give me the wrong address. The money was finally remitted and I again tried to payoff the loan in XX/XX/XXXX. Nelnet received the payoff on XXXX XXXX, XXXX. They are now claiming I owe more that {$1400.00} in interest, I do n't think I should have to pay interest because of their mistake. I did discuss this with several managers. The last one claimed I had been notified that the loan was still accruing interest. I have attached a listing of the correspondence from Nelnet. As you can see I was not notified of anything! I received my XXXX from the University XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CITIMORTGAGE, XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CITIMORTGAGE, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Vehicle loan or lease

I have tried to get this account taken care of. The company hasn't responded to any of my requests. This vehicle supposably sold in an auction. The balance is false.
Product: Student loan

My assigned federal student loan servicer is FedLoan Servicing. I have been attempting to switch my repayment plan from the IBR plan to the REPAYE plan since XXXX 2016. FedLoan has made numerous errors and has neglected to process my requests over a period of over 6 months. The original request to switch plans was completed on the XXXX and XXXX XXXX XXXX website ( studentloans.gov ). Over a month later, I had not received any correspondence from FedLoan Servicing. After calling several times and getting various misinformation, I was eventually informed that they had received the request but were n't processing it until I called them to request to be switched. After several more calls and more misinformation, I was finally placed on a reduced payment forbearance so that I could make the single payment to get out of IBR and switch to the REPAYE program ( request completed on XXXX XXXX, 2016 ). Most recently, I made XXXX reduced payments ( after having been told I only needed to make XXXX XXXX, on XXXX XXXX and XXXX XXXX. I then received a bill for XXXX, due on XXXX XXXX and was informed that its because FedLoan did n't process the request prior to the expiration of reduced payment forbearance. This issue required another set of calls to sort out, with more misinformation. So, its been over 6 months and more than XXXX calls to FedLoan Servicing, with lots of misinformation and mistakes along the way, and the process is still not complete! My husband has loans serviced by XXXX XXXX and he was able to complete the process in less than 30 days. I do n't understand how customer service can be so discrepant between the XXXX loan servicers and have been beyond frustrated by FedLoan Servicing and the amount of time and energy required to make a fairly straightforward change on my account. I have been so unhappy with their customer service, I sincerely hope to receive a different loan servicer. This is incredibly unfair to me and probably lots of other people who have had similar problems with FedLoan Servicing.
Product: Debt collection

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make XXXX  statements or misrepresentations concerning the debt being pursued for collection.
Product: Student loan

I could not pay student loans for Georgia Student Finance Commission 's Student Access Loan for a while during XXXX. There was no attempt to resolve the issue by extending forbearance or deferment. It is just a feeble attempt to help fix this. XXXX when I started working a better-paying job, an attempt was made for installments of XXXX XXXX XXXX on XX/XX/2022. In addition, my XXXX  tax refund was used to help pay off the loan amount. I received my credit report and noticed late payment reports. I knew I had made installments, so I did not understand why missed payments were being reported. When I went to see what was going on and do a forbearance on XX/XX/2022 because I lost my job, I was notified later by mail that it was sent to collection. I never received any letter that this was being sent to collections on XX/XX/2022, and again, no attempt to resolve the issue. Even in collection status, I have received nothing from any collection agency! This is immensely hurting my credit for no reason.
Product: Student loan

Navient, years ago, had contacted me about consolidating my loans. I did so with them, but they still appear to be charged interest on BOTH loans separately. Not only that, but they convinced me to go into forbearance at the beginning, so I had several years of not paying the loan without accruing interest. However, once I started repaying the loan, the interest came into play with a vengeance, and turned my {$10000.00} ( approx. ) worth of owed money into almost {$15000.00}! I began paying Navient in XX/XX/2017, and had made a significant amount of payments on the loan and the interest ... or so I thought. After over two years of consistent and costly payments -- ie. paying more than the required monthly amount for more than a year -- I still have over {$12000.00} owed. I have attached the report of my payments per the life of my loan as something is not adding up and I believe Navient is not using my payments to actually pay off the loan or the interest I originally accrued.
Product: Credit reporting or other personal consumer reports

I financed a rebuilt title car with Western Funding and then got totaled, and the insurance company paid out the value of the vehicle. It shows up on my credit report that it was charged off on XXXX XXXX, and I haven't received any 1099C form to support their claim.As far as the credit card companies, no one sent out a 1099C form. They already got the credit for the charge off account.
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 # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX has violated my rights I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information if 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.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I had bills coming out on XX/XX/XXXX of about {$500.00} that I wasn't going to be able to cover without depositing more money first. On XX/XX/XXXX, I deposited {$1200.00} knowing that only {$100.00} would be available immediately and that the rest would be posted to my account on XX/XX/XXXX. 

I based all this information from banking history with Fifth Third, as well as relying on the banking app and website that I have used for years and years. I knew exactly what I needed to do so that my account would not go negative. The account never went negative. Yet Fifth Third Bank charged me an overdraft fee of {$74.00}. 

What is even more deceptive ... when you print account detail history, the balances at the end of each day disappear, perhaps it's for privacy reasons. I have a screen shot showing that my account was never negative and that I am being charged {$74.00} for overdrawing. I contacted this bank but they will never respond. They just show you a creative overdraft letter that you need a very open mind to even attempt to follow. No logic is involved. 

This is deceptive ( banking apps and online accounts being misleading as well as overdraft letters that make no sense ), and completely unfair ( {$74.00} overdraft fee without having an negative balance ). 

Please see the attached screen shot that shows my account never being negative, as well as a printout of the same information with hidden account balances ... I wonder why they do it like that?
Product: Debt collection

The third party collection agency is reporting inaccurate information to each of the credit bureaus ( XXXX, XXXX & XXXX ). This company has re-aged an account listed to reflect a recent collection of XX/XX/XXXX and continues to report this falsified information even after sending the final statement from XX/XX/XXXX. The original creditor has verified the original date of delinquency XX/XX/XXXX which confirms that the correct information is on file but because the statue of limitations to sue would be expired the company is intentionally re-aging the account. I have disputed this account several times but it keeps being reported. It was originally disputed in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

CoinBase XXXX my account when I had money in it, and I have been unable to access it since. They don't have customer support, so I can not talk to anyone to get access back. I just want to access my funds that I already deposited.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. In addition, I have attached a PDF document reflecting all items that were found. Please remove the following accounts : 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