23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt is my father 's they sent me a copy of the bill my dad had XXXX XXXX as a doctor I have XXXX as mine XXXX hospital swaps us around all the time if they would send the signed form that I have always had to sign you would see it 's my dads XXXX XXXX XXXX he has insurance and it would have been paid If it was billed right
Product: Checking or savings account

I now live in Arizona. Truist bank does not have any branches here. I called to close my account starting in XXXX and they could not verify my phone number even though Ive had it over a year. I went through all the steps and ended up being locked out of my online account. In order to resolve the issue, I had to write a letter asking that my checking and savings account be closed. Per Truist, I had to go to a Notary and have my signature notarized. I did that. It cost me almost {$20.00} in order to have my signature notarized. I then sent a priority mail envelope with the letter, a copy of my drivers license and a copy of my checking and savings account statements toTruist. That was done on XX/XX/XXXX. I went to the notary at a local XXXX  store on XX/XX/XXXX and the party email envelope was mailed from the XXXX store on that date.At first, Truist said they never received my priority mail. I have proof it was received XXXX. On XX/XX/XXXX via another phone call Truist said they did have my letter and that they would close my account and mail me a check. I still can not view my account online, and it is now XX/XX/XXXX and I still do not have the funds from my closed accounts. Both checking and savings. I am a teacher, I dont make a lot of money, And they are holding my money hostage. Please help me resolve this.
Product: Credit reporting or other personal consumer reports

When doing investigate everything came back accurate. I thought. When I check my credit report I have negative information that is now close but inaccurate reporting on all XXXX bureaus. I have dates wrong, dates when my account close, and balance, and close account that is still being paid on when it should be closed. I have not gave no XXXX permission to pass my information all to collection agency. I have been patience and trusting the process. 
Here are the account that need to be investigate again : 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 These account has false information report on my credit report. Could you confirm to me everything accurateon my credit report
Product: Bank account or service

I have made a payment each month as required to my account from day one to Synchrony Financial. 
After they receive my payment in the month due, if it is received a day early, they will post my payment to the previous month and then charge me a late fee for the month that they received the payment a day or two early.
Product: Credit card or prepaid card

I had complained to XXXX XXXX and filed a complaint with CFPB regarding to fraud and activity on my XXXX XXXX store card. XXXX XXXX sent a notice that it would be resolved within XXXX days since XX/XX/XXXX. It has been XXXX days and it hasn't been resolved however they are trying charge me monthly charges of {$27.00} and the available balance is still wrong and fraudulent.

As you will review in XX/XX/XXXX statement I have a balance of {$500.00} and then in XX/XX/XXXX there is a balance of {$390.00} which I didn't make any purchases. On the website they have a charge of {$140.00} and a balance of {$100.00} out of {$500.00}? ( See attached ). This is stressful and causing me anxiety and XXXX XXXX responded to CFPB and I however refuse to repair or fix this issue after waiting for XXXX days ( See Attached ). XXXX is continuing to be fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXX XXXX XXXX XXXX XXXX A 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 ) - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : SUNTRUST BANK DBA LI/TRUIST FINANCIAL XXXX
Product: Credit reporting or other personal consumer reports

XXXX / XXXX reporting is inaccurate : My history with the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report! They have violated the Fcra 15usc 168ia 2XXXX by reporting this transaction or experience on my Consumer Reports they have XXXX calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for!. Defamation of character XXXX. Negligent Non - Compliance XXXX. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 in
Product: Money transfer, virtual currency, or money service

This has been happening since XXXX  cash app and XXXX ppl request money that already hot paid for.
Product: Debt collection

Ad Astra Recovery Services company placed an invalid debt on my credit. I have been disputing this company since XXXX 2016, and I have given them more than enough time to produce documents proving this to be my debt. Ad Astra has failed to provide any of the requested docs that I asked for.
I HAVE NEVER RECEIVED ANY COMMUNICATION VIA LETTER, EMAIL, VOICE, ETC FROM THIS COMPANY NOR HAVE I RECEIVED ANY TYPE OF VALIDATION DOCS PROVING THIS DEBT TO BELONG TO ME. THIS IS ILLEGAL AND AGAINST MY RIGHTS AS A CONSUMER. I WANT THIS REMOVED FROM MY CREDIT REPORTS ASAP.
Also, the last time I communicated with this company, they stated that this is an " electronic debt '', which I have no clue as to what that means. This company has failed to provide me with the info they used to contact me .If this company is insinuating that " electronic debt '' is an online account, that would further prove my point that anyone can sign an e-disclosure, bc its done ELECTRONICALLY BEHIND SOME DEVICE, therefore that is not acceptable to use as an excuse of validation.
This account is being disputed and has not been verified, so marking it as disputed on my credit file will not suffice. According to my consumer rights if I dispute a erroneous account and has not received validation ... .you must delete the debt until solid proof is confirmed/ found. I will be escalating my concerns in regards to the violation of my consumer rights as well.
Product: Credit reporting or other personal consumer reports

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 all accounts listed below appearing on my consumer credit report the result of identity theft and fraud. The fraudulent, inaccurate, and false information are listed as such : 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 XXXXXX/XX/XXXX. These accounts have been associated with several fraudulent hard inquires, collections, false information placed on my consumer credit report. I do not recognize the information being reported and all accounts mentioned about were not 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 ( XXXX and XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit report accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received a payment page that only had my name and a date. I don't not receive anything from the hospital.
Product: Money transfer, virtual currency, or money service

A lady called XXXX from XXXX kept calling me several times. Once I answered the phone she said she was an agent from XXXX. She said my passport number was used for a XXXX passport, and walked me through the XXXX website to convince me that it was authenticate her position. There was another person online, claiming to be XXXX XXXX Police officer. He said he has a warrant to arrest me and the XXXX  agent made me tell the XXXX that XXXX  is investigating and I am cooperating with XXXX. The XXXX agent then said that either I pay or be detained for 5-7 days. They refused to let me call my parents, since they said they would be also be implicated. Then asked me to download XXXX app, and asked me to log into my bank account and transfer {$2400.00} through XXXX Then then tried to persuade me to get me to ask my parents or friends to transfer an additional {$2500.00} to my account. When I refused, they said the police officer will come at XXXX XXXX to collect the money in person. I realized something was wrong and I hung up. 
This incident has left me devastated and shaken up. I have lost {$2400.00} for no fault. I did not voluntarily give the money, but was pretty much held at ransom. 
I would appreciate it, if you could assist me in getting the money back. Thank you.
Product: Student loan

I took out an education loan for my son while he was attending the XXXX XXXX XXXX XXXX. The loan went into default. I was sent an email from the U.S. Department of Education on XX/XX/XXXX regarding my XXXX XXXX XXXX " The U.S. Department of Education recently recalled your defaulted student loan account from XXXX XXXX XXXX 

You can now make payment arrangements without paying additional collection costs, but you must call us before XX/XX/XXXX. '' This was the only communication that I received from them regarding this matter. I didn't get a letter nor was a message left on my phone. I didn't get this email until today, XX/XX/XXXX. 

However, they quickly sent this to collections with F.H. Cann. I received a letter dated XX/XX/XXXX which I didn't received in the mail XX/XX/XXXX. 

This could have been avoided if the U.S. Department of Education had given me reasonable time to contact them. Nor was I ever informed about the XXXX XXXX XXXX XXXX XXXX. I worked in public service for the County of XXXX for 31 years. I retired in XX/XX/XXXX. My husband had health complications which continues to today. In addition, the former servicer for my loan refused to send any documentation I asked for in writing. His response was " Because we don't send anything in writing. '' I am disputing the additional costs that have been tacked on to this loan in the amount of {$1900.00} for legal costs plus any part of this loan which should have been forgiven under the XXXX XXXX XXXX XXXX XXXX. I can resonably make $ XXXX payments for balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit reporting agencies decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
Delete these unauthorized Inquiries as soon as possible : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am writing to formally dispute the delinquency reporting on my Sallie Mae student loan. On XX/XX/XXXX, I received a letter from Sallie Mae stating that my deferment request had been declined due to the account already being in deferment. A subsequent letter dated XX/XX/XXXX, confirmed that I was, in fact, in an active deferment status. I verified this information with Sallie Mae representatives over the phone. As deferment typically lasts XXXX XXXX, I understood that repayment would begin in XX/XX/XXXX. In good faith, I self-enrolled into the XXXX XXXX XXXX on XX/XX/XXXX. Despite this, Sallie Mae has begun reporting late payments starting in XX/XX/XXXX on a loan they previously confirmed was in deferment at that time. I have offered to pay the current past due balance and remain in good standing moving forward. However, I respectfully request that the inaccurately reported late payments be removed, as I should not be penalized for delinquencies during a period Sallie Mae acknowledged as deferment. This reporting error has negatively impacted my credit through no fault of my own, and I request corrective action under the protections of the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

Last month in XXXX I noticed my credit score take a hit. At about the same time I received a past due notice from my mortgage company. Looking into my credit report I had a 30-day late payment from Freedom Mortgage for XXXX. Just one problem, my check cleared the bank before 30 days was up. After numerous attempts to clear this up, I keep getting the same response. It's all my fault. 

I received a notice earlier this year stating I had a $ 400+ shortage on my escrow. I was left with two options. Pay the shortage and my house note stays the same, or do nothing and my house note will be raised accordingly. I chose to do nothing and my house note from XXXX reflected the raise in my house note with the new amount. 

I paid that exact amount but according to Freedom Mortgage, I mailed the check to the wrong address. So since I did that they decided to split my check up and distribute it however they saw fit. They decided to take $ 400+ out and pay the escrow shortage, even though they had already adjusted my house note accordingly, and I'm still confused about what happened to the rest. Either way, my check which was written for the exact amount of my house note was now short and I was now 30 days late. 

Now because of this, I have already had two creditors review my accounts and drop my available credit balances. That will hurt my debt to income ratio and drop my credit score even further. Even if they remove the 30 day late my credit will not bounce back to where it was before this. This may not even be the only 30 day late reported as I am still receiving late notices. This also may set off a chain reaction with all my creditors which it seems to be doing. 

I have spent hours on the phone trying to clear this up. It is a full-time job to get ahold of them and they always hang up on you once and make you go through it again. I have spent 3 hours just to talk to somebody and hear its ' all my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; XXXX. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction.

2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. 

I am writing in regards to the Equifax data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality.

With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit card or prepaid card

I had filed a dispute on a charge because I was scammed out of {$300.00}. I had made a purchase and I did not receive the item that I was supposed to receive. And chase told me they dont refund scams.
Product: Credit reporting

Experian is reporting XXXX addresses that do not belong to me and need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My bank of america checking account has been charged $ XXXX for 14 months since XX/XX/XXXX, due to low account balance at the time. 
I have always kept good amount of money in both of my checking and savings account since account inception 15 years ago. 

However, due to lack of activity and services, back in XX/XX/XXXX, I decided to terminate my BofA credit card by paying off the balance using my checking account, which led to a low balance of {$170.00}, which caused the bank to start charging me {$12.00} a month. Since then, I have not been logging into my online banking at all, nor have I used any Bank of America services, so I did not realize I was being charged for that many months. If I knew they were going to charge me {$12.00} a month, I would have closed the account immediately without any issue. 

Upon the discovery of the charge of a total of {$160.00} to date, I immediately called bank of america on XX/XX/XXXX to request a refund, but they responded that because I signed the paperwork 15 years ago, they can only refund me {$12.00} ( out of {$160.00} ). I asked to escalate my request to a supervisor, then another supervisor, then another supervisor, all have said the same thing, that since I have signed the paper, they will keep the charge that they didn't provide any services for. 

What I argued was since my savings account still had {$16000.00} in it, they could have called me or simply sent me a text message about the situation and reminded me to move some amount from savings to checking to avoid the extra charge, but they literally did nothing and just charged me for 14 months. 

When I asked if I can speak to their team supervisor or XXXX, the last answer I got was he ( his name is XXXX XXXX was about to go to a meeting, and will get back to me to help me in several hours. Unsurprisingly, that phone call never came. 

I am deeply disappointed by how BofA treats its customers, especially ones that have had banking relationship with them for 15 years. It failed to remind me about the overcharge, even though I did not any of its services for 14 months, and it failed to handle reasonable customer request by simply getting back to me on time. 

Frankly, since I opened my first banking account in the XXXX, I have never encountered a bank ( not XXXX, not XXXX  XXXX, not XXXX XXXX ) that charged me any fee in my checking account just due to low balance. I am shocked by how bad BofA 's service quality has become over the years, and I intend to terminate my relationship with BofA in entirety if my refund can not be resolved. 

The last customer service personnel I have spoken to are ATM billing dispute / customer deposit team supervisors, their first names are XXXX and XXXX XXXX XXXX failed to call me back on XX/XX/XXXX ).
Product: Mortgage

Fein Such & Crane, XXXX, and XXXX all Violated the law by Dual tracking my loan while I was trying to work on a loan modification. They foreclosed while I was disputing the misapplied payments lost payments and money put in suspense. Fein Such & Crane Dual Tracked with EVERY SERvicer in violation of the LAW