23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Out of the blue Meridian Financial SVC, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, sent me a notice dated XXXX XXXX, 2015 about a claim of {$700.00} that was assigned to Meridian as collection agency ; no proof of a claim was provided ; we needed to respond in 30 days. In a registered letter of XXXX XXXX, 2015, I informed Meridian that we owned a timeshare at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX which we disposed off ten years ago ( XXXX XXXX, 2005 XXXX, and that we disputed that we owed XXXX XXXX any debts. Without sending me proof of this alleged claim, Meridian Financial sent me another letter that I did not dispute the claim (? ) ; I replied on XXXX XXXX that I did dispute the claim and that they needed to stop harassing me or provide proof of any debt owed. Today I was informed that Meridian put on my otherwise XXXX credit report a negative Collection Agency claim of {$700.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the fraudulent accounts and hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraudulent
Product: Credit reporting

XXXX Insurance canceled my policy because Lexus Nexis Risk Solutions, XXXX . XXXX, XXXX XXXX Report reported to them that I was in a At fault accident and received a citation on XXXX. I was not issued an citation for any accident period. My official XXXX and XXXX records do not even state this information. Lexis Nexus and or The XXXX Report are not government agencies but some how have mustard up the authority to have ones insurance canceled do to false information. I contacted XXXX who admits themselves that both my XXXX and XXXX record is clean and show no violations. However, since Lexis Nexus told them I have an at fault ticket they had to cancel my policy or double my rate. As of now I have no car insurance with no tickets or violations listed on my GOVERNMENTAL ISSUED DRIVER REPORT from the XXXX. The governmental agency that is authorized by the government to handle all drivers records. How can a consumer reporting agency not authorized by any government have my insurance canceled and rate doubled and the information is incorrect. Lexis Nexus told me that they had authority over the XXXX and XXXX and there records are never wrong. I will be a seeking legal representation pending the results of this complaint.
Product: Money transfer, virtual currency, or money service

A friend of mine accidentally sent money to the wrong account and PayPal and just as usual, the crooked people at PayPal will not allow me to refund her until they receive some information. They told her to open a case which she did, and they still holding her money. When I tried to refund, they are asking me to send {$550.00} of my own money back. I don't use PayPal or this business anymore because they are crooked and stolen millions of dollars from members. After sending some information, they decided to permanently limit the account and now she's stuck waiting for her money back. PayPal is the worst company that ever created. They steal all your money for months. I need them to give her the money back Here is the case number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a notarized letter. Stating that they have violated my rights under the Fair Credit Reporting Act 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.
Product: Student loan

I was a student at XXXX XXXX XXXX. In XXXX, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. 
On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions. 

Student Loan Companies : ACTIVATE FINANCIAL  , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX General Correspondence and Submitting Documents : XXXX - XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Fax : XXXX California Residents : XXXX. XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I submitted a complaint against XXXX XXXX XXXX complaint # XXXX I received a letter on XXXX XX/XX/2020 from an attorney still showing the wrong amount. 
My complaint was turned over to the XXXX on XX/XX/2020. 
I do not owe this amount. The keys to XXXX XXXX  was turned in to the assistance manger on XXXX, XX/XX/2020 at which time the electrical was also transferred to my new address.
Product: Credit card

On, XXXX several letters where sent to me stating several accounts were being closed due to ( Activity on Account ( s ) with Synchrony Bank indicative of high risk of failure to pay. I have never been late or missed a payment with any Synchrony account. These mass closures ( without any warning ) have negatively affected my Credit score. I have requested information on why these decisions were made.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I entered into a Debt Management Plan with XXXX XXXX XXXX XXXX, which included a signed Power of Attorney and proposal sent to XXXX XXXX Bank. For reasons unknown to me, and unexplained by XXXX XXXX XXXX, they did not accept the proposal until XX/XX/XXXX. In the time in between, I still made monthly payments to XXXX for the months of XXXX and XXXX. Less than XXXX weeks after XXXX 's acceptance of the proposal, on XX/XX/XXXX, XXXX began reporting my account as 30 days past due to all three major credit bureaus ( XXXX, XXXX, & XXXX ). On XX/XX/XXXX, with my permission as XXXX, a representative with XXXX contacted XXXX regarding this issue and XXXX confirmed on a recorded line that my account was not XXXX days past due as is required by the Fair Credit Reporting Act, it was 11 days in the amount of {$27.00}. Using this information, I disputed the reporting with all XXXX credit bureaus aformentioned. On XX/XX/XXXX I recieved notification from the credit bureaus that my dispute had been concluded and that XXXX not only affirmed the information they previously reported, they now showed the account as XXXX days past due. Included in this investigation XXXX provided information that is undeniably false, such as reporting that my " Date of Last Payment '' in the months of XXXX & XX/XX/XXXX was " XX/XX/XXXX '' when payments were made for both months. It is apparent to me that these actions are a retalitory response to me entering into a debt management plan, as i'm legally able to do, without consequence or repercussions such as these from a creditor. On XX/XX/XXXX, I contacted XXXX directly in an attempt to dispute/resolve the issue as the credit bureaus instructed me to do. I spoke with XXXX XXXX XXXX ) who refused to give a last name or a call back number but stated she was the " only XXXX in the credit card department. '' As expected, she refused to assist me stating that they " can not discuss credit reporting '' with me and advised me to contact the credit bureaus. I informed her that I already had done so and my next step, as i was advised, was to contact XXXX directly. I then requested all written documentation used in the reinvestigation process be sent to me, as is my right under the FCRA, and she stated that she could not provide anything to me besides my monthly statements. Due to the unfair and incorrect reporting by XXXX, and the clear violation of my rights by them in not sending me the legally required information, I am filing this complaint with your agency today in hopes of having this matter resolved outside of a court room.
Product: Credit card or prepaid card

I tried Making a purchase on my consumer card through Commenity Bank ( XXXX ) purchase did not go through and they still took the money off of the card. The Purchase did not go through on the end of XXXX but the card company states that I made the purchase. Every time I call, I am transferred to a different person and am told different information. I have been hung up on 4 times. Every time I talk to XXXX, I am told to talk to bank, and bank tells me to talk to XXXX. I have gotten no where. I am just trying ti get this resolved because I do not want my credit score to go down or owe {$3200.00} for a purchase I did not make.
Product: Debt collection

Subject : Request for Debt Verification Account Number XXXX Dear XXXX, I am writing to formally request verification of the debt you have listed under my name, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). This is not a refusal to pay but a request for more information to verify the validity of the debt in question. 
I recently received notice of this debt, and I would like to ensure that the information you have is accurate and belongs to me. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that XXXX sends : 1. Assignment Contract 2. Original contract with wet signature 3. The name and address of the original creditor, along with any supporting documentation of the original debt.

4. Detailed list of the history of payment made by me on this account.

5. Proof that you are authorized to collect this debt by providing chain of title for the debt.

6. Insurance claim filed on this debt if any.

7. Evidence that the debt is within the statute of limitations for collection in my state. 
Please provide this information in writing to my address listed above. Additionally, I request that all future communication regarding this matter be conducted in writing only. 
Until the requested information is provided, I ask that you cease all collection activities regarding this debt, including reporting it to credit reporting agencies. Failure to provide the requested verification may constitute a violation of the FDCPA. 
Thank you for your attention to this matter. I look forward to receiving the requested information within the 30-day timeframe. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On XXXX of 2021 Ally Financial submitted the automatic payment to XXXX XXXX. XXXX XXXX did not pay the EFT payment. I had the funds Available in my Account. I was not aware this issue that XXXX XXXX did not pay for the Month of XXXX. I found out in XXXX and I called Ally Financial and paid 2 months payment. 
I called XXXX XXXX and they told me that it was an error and they provided a letter to me. I forwarded this letter to Ally Financial. Ally said it will fix it with the credit Bureaus and send a copy of the letter to me state the fact that it was XXXX XXXX that made the error not paying to Ally. 
But Ally has been send me a letter 3 times that shows only that the car is paid off and the payment status is 30 & 60 day lates.
Product: Credit card or prepaid card

A rep from Discover used a fraudulent card opening and fraudulent charge of {$700.00} to call me. Then he commented on my age ( XXXX ) and told me of a gov program to reduce indebtedness and consolidate credit card balances by using U S Debt Validators. I told him clearly I was NOT interested. I pay my debts on time and far in excess of minimums due. Presumably because of the fraudulent card charge and second card opened he said he needed to transfer me to XXXX. After verifying my identity, XXXX transferred me to another number which was answered XXXX XXXX. There I was told to stop making payments on my XXXX XXXX XXXX XXXX XXXX XXXX  etc and should only pay my XXXX  cards. I said that makes no sense. He kept insisting. I said you put whatever you are directing me to do in writing. I am not doing anything via phone. I believe the three employees of these companies were attempting to put me in the Debt Validators program WITHOUT my wanting or needing to do so. I have excellent credit ( high 700s ). They must get a reward enrollments they obtain. Subsequent to the call from Discover on Friday XX/XX/XXXX, I have received 28 unidentified phone calls from U.S. locations on XX/XX/XXXX and XX/XX/XXXX which I did not answer. My guess is 95 % were in regard to my refusal to continue talking to the 3rd call. Discover said my call was being recorded so one can check to hear how I indicated no interest, Call was XX/XX/XXXX no sure what time but it came from XXXX XXXX
Product: Credit card

I am concerned that Chase charged me trailing interest/ Residual interest on a balance that I paid in full. 
I usually pay in full but noticed they have been charging me this type of interest often even when the balance has been paid in full.
Product: Money transfer, virtual currency, or money service

On the XXXX and XXXX I submitted three ach deposits to Coinbase ( XXXX and XXXX on XXXX, XXXX on XXXX ). The first one cleared today ( XXXX ), the XXXX which is fair given weekend ach transfers take a day or two. The second one says four more days ( XXXX dollars ) and the final one says tomorrow ( XXXX dollars ). They're clearly holding higher deposit amounts longer for interest accrual on their side because my bank cleared all of them two days ago.
Product: Checking or savings account

I began the banking day with a positive balance of {$450.00} before the banking day began there were 4 transactions that were presented on my account 1. ) for XXXX 2. ) for XXXX 3. ) for XXXX and 4. ) for XXXX. The bank decided to pay all four charges. The total for the first 3 transactions is XXXX. The way in which these transactions were processed on my account it caused me to have 3 overdraft fees instead of 1 for just the XXXX transaction. The transactions were processed so that they caused the greatest overdraft. I spoke with the bank they gave not given me a specific answer as to how transactions are processed and in which order. I am told a overdraft fee is put on the account the moment when a account becomes overdrawn even if the transaction that causes the account to become overdrawn is only an authorization charge and not a final charge. I believe that overdraft fee should be assessed if a transaction post. I have even put money in my account before the fees were assessed and before the end of the banking day and still was charged a fee On another instance the bank also used a bank account maintenance fee to cause an overdraft when the fee itself is imposed on the account for banking with them.
Product: Mortgage

Mortgage company not communicating with customer in an active bankruptcy long delays in response to all questions asked no return calls from person listed as point of contact unable to obtain information of what I'm being charged with filed paperwork to sell home before bankruptcy was discharged also filed paperwork to block ability to redeem home before discharge
Product: Credit reporting

My credit report was used inappropriately to determine financial eligibility for a Patient Assistance Program through XXXX, aka " XXXX ''. I was denied use of their program based on what I was informed by them was a " Projection ''. I was also informed by them that my annual income was XXXX. This was a shock to me as my annual income is only XXXX. If it really was XXXX I would n't need assistance. My income of Social Security XXXX and a small pension has not changed significantly in the past few years. After several phone calls, I discovered that Experian was used for this " soft credit check ''. When I spoke to someone at Experian, I was told that they do not provide my income during a credit check. Apparently, this is not accurate, because I found an article online ( XXXX XXXX, " Is Your Doctor Checking Your Credit Report? ". The article states that Experian does provide " Income Estimation Tools ''. I have used the XXXX program for several years to provide me with XXXX medication that I can not afford. In previous years, XXXX has asked for proof of income, which I have provided to them. This year they changed their application form and made it very confusing for me. I have learned from past experience that my application form must be perfect or I will be denied for medication. I worked very hard on making sure my part and the physician 's documentation were all correct. I called XXXX and was assured that everything looked good. The next day, I received the denial letter which stated I did not qualify for their program based on my income. I have worked hard all my life to maintain good credit. I recently found that my credit score was 850. Never in my wildest dreams did I imagine that this would work against me. I strongly object to the use and marketing of this " Projection '' tool for the purpose of denying me access to low income programs for which I qualify. Now I will have to do without my XXXX medication that I can not afford. I do n't know what that means for my future but that prospect is very frightening to me.
Product: Bank account or service

I realized starting XX/XX/2015 that it seemed like I did n't have as much money as I had put in my Bank of America Checking account. By XX/XX/XXXX, I was unable to pay my bills even though I was working full time, and I was forced to take a loan out. At that point, the loan seemed to disappear. There were a few transactions that were n't mine, but not enough to equal to what was missing. I printed out my bank statements and realized that what I purchased was {$5100.00} less than what came out of the account. That was in XX/XX/XXXX. It seems like every time I buy something, double that amount comes out of the account. 
I have called Bank of America repeatedly and they wo n't do anything about it. 
I have lost my house, was forced to move away from my family, and have defaulted on all my bills due to this problem. I have serious health issues that are going untreated at this time. 
Someone I knew told me that they heard that people were stealing money out of the account in XXXX XXXX, and Bank of America has a picture of a person attempting to make a withdrawal out of my account for {$800.00} XX/XX/2015. I know this because they called and asked me to approve the transaction, and I told Bank of America it was n't me. This happened where I lived, in XXXX, CA. 
Bank of America told me I did n't have to do anything and they would take care of it. I continued to have theft on my account and when I finally asked them about what there investigation had turned up, they would not give me a photo of the person. They told me they were not allowed to and I should have made a police report at the time if I wanted the photo. But I was not told to make a police report to get the photo of the person at the time of the incident. They told me I would have a name as soon as they did. 
Due to Bank of America 's actions, my life is ruined. My credit is in shambles and my health is deteriorating. I have tried to make police reports but due to Bank of America 's actions, the police say I have nothing to report. Everything was take from me and Bank of America is complacent in it.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife contacted Equifax yesterday regarding some fraudulent hard inquiries and inaccuracies on her credit report. The agent was very helpful and took the hard inquiry disputes without a problem. Today, less than 24 hours later, I am attempting to dispute the SAME hard inquiries listed on my account. I have spoken to 3 different representatives, supposedly 1 was a supervisor, and NONE of them will accept my dispute. All 3 agents claimed they were unable to dispute the information. I asked them if the policy has changed within the last 24 hours and I was told no. Each agent claims that hard inquiries are not disputable. I asked the agent to pull the dispute number provided to my wife so that they could verify that the information is the exact same accounts and can in fact be disputed. She pulled the file and still said these accounts are not disputable. I asked her for the name of the agent who handled my wife 's file. I was told they could not give me that information, even though the information has nothing to do with my wife 's file and is just the agent 's name. I then informed her that I would be filing a complaint with the Consumer Financial Protection Bureau and the Better Business Bureau. I asked the agent to please connect me to the same agent that handled my wife 's case. The agent told me she was transferring my call but not to that agent. About 5 minutes later an agent named XXXX got on the phone. XXXX was very helpful and promptly disputed the hard inquiries. I believe he was the same agent that handled my wife 's dispute 's the day before. I highly recommend XXXX!!
Product: Mortgage

Hello, My mortgage was sold in XX/XX/XXXX to a company named Select Portfolio Servicing while I was in COVID forbearance from my prior company dating back to XX/XX/XXXX. 

The forbearance was honored with a end date of XX/XX/XXXX. During that time I contacted this new lender with info I was ready to resume payments shortly. I was sent to fill out a RMA package. 

On XX/XX/XXXX I received a letter stating I had 180 days of COVID relief plus an additional 180 if requested. Due to changes in income and status with Maryland schools being closed on XX/XX/XXXX I requested the forbearance to continue until XX/XX/XXXX. I made the request two separate times. 

On XX/XX/XXXX I received a notice that I was not eligible for loan relief options. On XX/XX/XXXX I received a demand notice requesting the lump sum payment be made within 30 days or foreclosure would start. 

I have made at least 5 phone calls to the company and have written 6 emails all documented with dates and requests. To this date I have no received resolution on a proper payback option or allowing forbearance through the dates offered.