23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/XXXX I tried to get pre qualified through Affirm for flights and noticed they had me blacklisted and said I had a charge off from an unpaid balance from XX/XX/XXXX. I called them because they violated the FDCPA by not " Speak with you in person, by telephone, Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered or send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. '' I called and recorded the conversation and the rep acknowledged that they tried to send a notification through the app but said it didn't go through. I escalated to a supervisor as I knew this was not factual. When I informed them it was recorded, XXXX ( supervisor ) pivoted and said that they sent sms and emails too but they were " blocked '' I checked my preferences on the app and discovered I was still enrolled for all communications from them so he lied again. He said he would escalated and I informed him I would report this to the CFPC, FCC and find a lawyer for deprivation of civil rights 18 U.S.C. 242, 42 U.S. Code 1983. 

The phone recording cant fit in the uploads but I can always put it in a shared folder.
Product: Checking or savings account

I went to a chime ATM at a XXXX XXXX on the XXXX of XXXX and then my info got stolen the very next day. Chime even warned me and sent me a text message informing me that someone is trying to making a {$80.00} transaction at XXXX without my knowledge or permission. The person who easily stole my ATM info also took {$100.00} at the exact same time they tried to make a purchase. The successfully took {$100.00} put the ATM and now Chime is refusing to give me my money back. I then messaged chime back saying no thats not my transaction and even went through the process of receiving a new card but they still keep denying my dispute even with all the proof they have.
Product: Checking or savings account

I noticed that someone had made unauthorized charges on my account so I locked my card and called Capitol one to dispute the charges. Capitol one closed my account and has since refused me access to my funds. I have tried several times to contact Capitol one and have had no response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of an account reported by XXXX Credit Card on my credit report. The account, reported on XX/XX/year>, reflects a balance of {$XXXX} and a charge-off status. I dispute this charge-off entirely because there is no contractual agreement between me and XXXX Credit Card XXXX XXXX them to report this information as my creditor. Despite the provision of statements or other documentation, I assert that these documents do not establish a legally binding agreement between myself and Ally Credit Card. According to 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting inaccurate information to credit reporting agencies. The lack of a contractual agreement renders this information inaccurate and misleading. Additionally, under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, XXXX Credit Card is required to conduct a thorough investigation and verify the accuracy of the information reported. Without a valid, signed contract that explicitly authorizes XXXX Credit Card to report this account, the reported information is unverifiable and should be deleted immediately. Equifax also has a duty under 15 U.S.C. 1681i to investigate and remove any information that can not be verified. As this account is not supported by a contractual agreement, it can not be legally verified and must therefore be removed from my credit report. I request that the charge-off status and the {$XXXX} balance be entirely deleted from my credit report, as there is no legal basis for its inclusion. The continued reporting of this information is not only harmful to my credit but is also a violation of my rights under the Fair Credit Reporting Act. Thank you for your prompt attention to this matter. I expect a full investigation and the immediate removal of this erroneous information.
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX. I received an unemployment EDD  prepaid card, but I am not able to activate it to use the funds, because I am XXXX years old. Bank of America is refusing to activate the card, because they want my mother to be on the card and they send me back to the sponsor which is EDD. It is almost impossible to speak with an agent at EDD, when I finally get hold of someone after holding 4-5 hours, I get the same response. There is no way EDD can add another persons name on the card. And they tell me to call Bank of America back. EDD also emailed me a formal letter saying they cant add my mother. It has been 2 months I cant get my unemployment benefits because Bank of America will not activate my prepaid card. Bank of America insisted that EDD can add my parents name on the second line of the address, but after EDD added my mothers name on the address line, Bank of America still can not see her name on their side. Please help I am so desperate.
Product: Debt collection

I was about to get a loan from my bank and they noticed my credit score was low. We checked why was that, I found in my credit report that I owe money to some XXXX XXXX. I called them, the transferred me to Absolute Resolutions Corporations, LLC. They told me to prove that the account was not mine, which doesn't make senses, since I don't have any documentation about, because I am not the owner of that account. They send me the statement of that account and after I read all of it, I found an address that is not mine and the phone number is not mine either. I told them that, they said I need to send proves of that (? ) They are still sending me letter saying that their compliance team found that the account is not fraudulent. ( In a phone call I talked with a representative and he told me that the only proof they have is a digital signature " from me ''. I did already the police report on XXXX Police Department and they found that the address that appears in the credit report belong to XXXX XXXX and her boyfriend, and both are in XXXXXXXX for other XXXX XXXX  ( I told all this to Absolute Resolutions and they insist the account is not fraudulent ). I did my FTC Identity Theft Report, and I sent all this documentation to XXXX XXXX, to Absolute Resolutions, to XXXX and nothing happen. Today ( XX/XX/2024 ) I received a letter from Absolute Resolutions saying that their Compliance Team, again, found that the account is not fraudulent. 
I don't know what to do at this point, my credit score is still poor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax , Inc. allowed, without my consent, the personal financial information of both me and my spouse to be compromised by hackers. Now they want to offer me the opportunity to monitor my credit if I waive my legal rights to hold them accountable. In addition, I read in the NY Times that corporate executives went on a stock selling spree prior to acknowledging their incompetence and I hope these individuals are prosecuted for this clear illegal activity to the fullest extent of the law. I have been the victim of both credit application and tax fraud in the past and I am sick of wasting my personal time having to deal with the repercussions.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

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 XXXXXXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I'm writing to ask for the removal of late dates and update the status of the account to open/never late on disputed item from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1800.00}. Please update immediately.
Product: Credit card or prepaid card

I went to buy a new phone from google fi. I wanted to finance the purchase, so i applied for credit. I was approved. I recieved a store card after a few weeks. When i went to use the card to make the purchase, it says the card can not be used. I contacted support. they said the card can not be used to purchase a google fi phone.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act XXXX  account has violated my rights. 

15 U.S.C. 1681 Section 602 A : States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy-XXXX
Product: Mortgage

This problem involves Mr. Cooper loans formerly known as Nationstar mortgage. I fail behind on my payments after 13 years of never missing a payment with a credit score of XXXX. This came as a result of losing my job. 
I performed odd jobs and tried to make payments online as I have always done. However, the company froze my account. I wrote them a letter to please allow me to make payments because I wanted to pay down what I owe but they ignored it. 

After 5 months, strangers started coming to my house because the mortgage company put my name, home address, telephone number to the public. During job interviews at one point, I began to get harassed by call after call from total strangers who got my number from Mr. Cooper. When I say harassed, I mean back to back to back to back phone calls from complete strangers asking to purchase my house. I would get 15 calls in one day frequently. 

I called them to complain and every single time they asked " what are the people calling you saying? '' I tell them and their response is always " interesting ''. The number the gave me for mortgage assistance which I have called 21 times ... every single time there's only an answering machine belonging to a Ms. XXXX. I left a message several times. Yet when they call back, there is only static on the other end. No human ever called back. Even when I called back immediately after the call, I would get the answering machine to whoever this XXXX is. 
I tried to test them by inquiring about refinancing and I received a call back in 5 mins with an actual human being. I told him about my problem and he promised to call back but never did. 
The entire time my house kept being invaded by complete strangers and phone calls multiple times per day. After several months ( 8 months ), I was finally able to get a real human being because I complained to XXXX. I applied for mortgage assistance, they denied and said I can appeal their decision. I followed the steps and appealed they ignored it and haven't responded in 3 weeks nor acknowledge receipt of the letter. 

I am still unable to submit a payment online and now my missed payment is XXXX dollars. Had I been afforded the opportunity pay what I could it would not be this huge amount. Nor would I have lost my job because of the multiple calls back to back from strangers they gave my cell phone number to.
Product: Credit card

Last four of Care Credit Mastercard : XXXX Birthdate : XXXXXX/XX/XXXX Social is XXXX On XX/XX/XXXX, I called into Synchrony Bank to ask for a replacement care credit Mastercard . The representative inexplicably, either through poor training or a miscommunication, accidentally closed my entire CareCredit account that I have had for ten years instead of just issuing me a replacement credit card. I logged in the next day and saw this error, but it was after twenty four hours and systematically they couldnt help. Im filing this complaint because I want someone at synchrony to please correct this error and reinstate my account. Ive never had a missed payment, derogatory mark, and Ive been a good and loyal customer for many years. This was purely employee error, and I believe the bank should do right by a good customer and help correct it The managers in duty were extremely rude and disrespectful. I tried multiple times within the allowed window of time to have them fix my account. They tried sending me several links I never received?
Product: Credit card

on XX/XX/2016 I enrolled into a XXXX Counseling XXXX for all my credit cards. I enrolled through XXXX. XXXX of my credit cards with Schools First FCU was enrolled into the program and accepted by them. I was to make reduced payments of {$170.00} effective immediately. Around XX/XX/XXXX-XX/XX/XXXX I began to receive collection phone calls on my account from Schools First FCU regarding my Credit Card Account. I received a voicemail that it was imperative that I returned the call back to them. I phoned back their office and spoke with a collections representative regarding my account. I also let her know that I was enrolled into a consumer debt management program. She stated that she had that information on file, but that she needed to speak to another department. I also informed her that a payment of {$170.00} ( proposed payment was sent to Schools First on XX/XX/XXXX ). She re-assured me that she was looking into the issue and not to worry. I also asked her to make sure the account was not going to be reported as past due to the credit bureaus or any late reportings. After she came back to line doing her research she told me that the credit union had not properly processed the information and in fact after speaking with that department my proposal was accepted and good to go. She also assured me that everything was taken care of and I was not to worry about anything. I should not get any more collections calls and everything was good to go on my credit card account. Now as of today, Schools First FCU is reporting my account as beyond 30 days past due to the credit reporting agencies and providing false information when in fact I was told something different on XX/XX/XXXX and XX/XX/XXXX. Also my XXXX spoke with Schools First Federal Credit Union on XX/XX/XXXX and they confirmed as well that everything was good to go and the proposal was accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : XXXX is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from XXXX for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to XXXX from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX  and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain. 

Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX XXXX or XXXX. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX. 

As a result of XXXX inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports immediately.
Product: Debt collection

XXXX XXXX XXXX referred a debt to a collection agency for a wireless account ( XXXX ) that was closed the same week it was opened. The account was closed because the device purchased from XXXX XXXX XXXX was mistakenly shipped to the wrong address. XXXX returned the device to the sender, and I didnt want to wait for a second device to be shipped. So, I visited an XXXX XXXX XXXX  store and requested that the account be canceled and any associated charges removed. 

The store manager, XXXX  XXXX, explained that the account couldnt be canceled until the device returned to the sender. However, she promised to cancel the account and refund me after my store visit once the option became available. She confirmed this plan via email ( see attachment ). 

Unfortunately, the action was never taken to close the account, and it remained open for the next XXXX months. During this time, it accumulated additional service charges, even though I didnt own any device. I only discovered the store employees negligence after receiving multiple collection letters from Prince Parker & Associates , Inc. regarding this fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information that is being reported on my credit file by all three Credit Reporting Agencies XXXX, Trasnsuion and XXXX. they stated that they verified the items that i was disputing and in turn requested that they provide me with the method of Verification and documents bearing my signature. 

They have not provided me with the method of verification as requested in several letters. they continue to send letters stating the they do not understand my request and my request are very clear.
Product: Mortgage

In order to recast XXXX mortgage payment I have : XXXX. XXXX Paid {$150000.00} to Newrez mortgage XXXX. XXXX Paid {$250.00} for a recast payment fee XXXX. XXXX Paid XXXX mortgage payment XXXX. XX/XX/XXXX Paid {$2600.00} mortgage payment ( this should have been applied towards principal, but have not received proof that it was ) XXXX. XX/XX/XXXX received a request from Newrez to provide a third-party authorization XXXX. XX/XX/XXXX supplied a letter to Newrez as a signed authorization to analyze my load for a payment recast. 
XXXX. XX/XX/XXXX telephone call to Newrez to request recast authorization form XXXX. XX/XX/XXXX live person chat with Newrez to request recast authorization form XXXX. XX/XX/XXXX live person chat with Newrez to request recast authorization form Form has not been received and I was informed it was mailed on XX/XX/XXXX.
Product: Student loan

Hello, American Education Services incorrectly reported XXXX of my student loans as defaulted upon, during the pandemic student loan forbearance period. No payments were due during this period, so there was no default assignment warranted. They were then reassigned to a collection agency, XXXX, who advised me of the issue and they've been stuck there since XX/XX/XXXX. I've been told that they are in the process of being assigned to good status, for the last 10 months, but nothing has happened. 

In addition, this default status is on my credit report, impacting my credit score.

I will not be able to qualify for the temporary PSLF waiver until this is rectified, and that due date of XX/XX/XXXX, is rapidly approaching. 

Appreciate your assistance. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tries to open a cpinbase account on a new email address because the email I had used to sign up to coinbase wasn't going to be used by me anymore. Because of this simple thing coinbase banned my account. I have tried to get it opened again by coinbase but they answer my tickets ( about 6 now ) by stating that they can not help me and the can not tell me why and to try to open another ticket in a month. It has been almost a year now ....
Product: Debt collection

I have received repeated robo calls from Navient and now XXXX XXXX. I have contacted Navient to tell them I have no outstanding loans or debts. I have no idea what they want. When I call their number, I get only a menu for repayment but no person. I have filed numerous complaints with the do not call service. I suspect they have an incorrect phone number or a fake number. It seems no one is willing to investigate their mistake.