23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
6. Chain of Custody 7. Assignment of Contract Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX  BANK Has violated my rights 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 with my written instructions.
Product: Debt collection

Kohl 's department store continues to contact me numerous times each day, and no matter what they leave voicemails that repeatedly disclose that they are trying to get a hold of me.
Product: Credit card or prepaid card

As a man of God, I must be careful with my words. I have to be cautious since Synchrony Financial is treating me like a common criminal. Instead, I am not getting treated as a lawful consumer. Synchrony Financial keeps finding reasons to file ligations against me for fraudulent charges. I dont deal with these folks. They keep confusing me with other residents and continuously make me prove who I am. I know who I am. They do not know who they are. My credit file got breached years ago through XXXX. After many attempts, they surmised that I am a thief. Get this. Heck, this learning curve should not be this difficult. 1-Someone breach my credit file. 
Please be prepared to receive unethical excuses from them to justify their actions. 2-Synchrony Financial made the errors after that. It can not be justified when they are the problems, and they are making consumers suffer. 3-They are persecuting me as an innocent consumer. 4-It has been going on far too long! Please do not give them a break when the bank is punishing consumers unnecessarily. Making apologies to me will not be accepted. They have worried me, and this is an unforced error. The stress has done far too much. This frustration is beyond the pale. Disgraced has set in, and I have lost many nights of sleep. I had XXXX XXXX XXXX  since XX/XX/2020. They are suing me in XXXX, Georgia. It is the third or fourth time. Even if I were the right person, they would have to talk to my brother. I only receive {$720.00} per month through social security from a XXXX XXXX. I am not XXXX XXXX  to handle my financial affairs. I have reached out to the XXXX and XXXX. XXXX  XXXX to assist with these XXXX attacks and strong-arm robbery. Everyone at Synchrony Financial should be in jail, serving an elongated prison sentence. Please shut them down
Product: Mortgage

Hello, Our house was flooded by the XXXX XXXX in XXXX TX XXXX on XXXX XXXX we had XXXX inches of water in the house, all our things were destroyed. We were rescued Monday XXXX XXXX. we are very grateful for the help of friends, volunteers and our local contractor who have worked hard to preserve the house. we have spent savings and used credit cards to initially pay for material and labor to start fixing our home. We received our flood insurance check from XXXX on XXXX XXXX. the check was jointly made out to myself and Wells Fargo. We have been to Wells Fargo bank two times with all the requested documentation and spoke to them on the phone XXXX and have still not received any money from Wells Fargo, just delays and requests for more paperwork. we have had to stop work and have to send the contractors home. My wife had XXXX on XXXX and my daughter had XXXX on XXXX for XXXX. My wife and I have been living in a trailer. we have explained this to Wells Fargo and begged for our money. we have received none, just a run around. Can you Please help? Thank You XXXX and XXXX
Product: Credit reporting or other personal consumer reports

The presence of unfamiliar public records on my credit report is distressing. I urge you to swiftly rectify this situation and update my credit profile accordingly. Your timely response to this issue is greatly valued.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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. The following Account ( s ) : Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}
Product: Credit card or prepaid card

I received a Victoria Secret credit card in early XXXX with a limit of {$250.00} with a minimum payment of {$28.00}. I typically carry a balance month to month which I pay down before another purchase. With my minimum payment required at {$28.00} I have always paid more, the majority of the payments being {$40.00} to get a good amount applied towards principle balance. I have even paid double payments of {$40.00} in a month multiple times. Never been late or exceeding my limit of {$250.00}. On XX/XX/XXXX I made a purchase for XXXX dollars and some change, as my account showed I had available credit of over {$110.00}. I was sent an email XX/XX/XXXX I had a secure message in my Victoria Secret card account, which stated my limit was being decreased to {$150.00}. Which is the reason my account is showing over use. On XX/XX/XXXX I recieved an email stating my billing statement was ready, while checking the statement I notice my minimum payment is showing {$35.00} instead of {$28.00}. I contacted the company the same day asking what was going on. The response I recieved was a standard response of reasons why these changes may have happened and was told to refer to the notice I recieved. On XX/XX/XXXX I informed Comenity I was not email or mailed any notice of a change in minimum payment only of a decrease in credit limit. I also stated I was under the impression that I was supposed to recieve a notice 45 days on advance of changes like that. The representative responded stating the minimum payment depends on the total balance and informs me each that paying over minimum payment would results in lower balance and lower minimum payment. My total balance at this point was {$180.00} after paying a payment of {$40.00} on XX/XX/XXXX, which is {$12.00} over my regular {$28.00} minimum. Yet they are attempting to increase my minimum payment due without notification to {$35.00} and after multiple attempts to address why I was not notified, the reps for Comenity continue to ignore any mention of need for 45 day notice and respond with multiple different excuses why this change is happening. On XXXX ( while I am still in contact with the company regarding the validity of the increase from {$28.00} to {$35.00} ) I received a secure message which stated on XX/XX/XXXX terms were changing and my minimum payment would change to {$38.00}. No where on this notice am I offered an opt out option, which unless I am mistaken should be sent along with any notice of this type.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Investigate Disputed Items Violation of FCRA Regulations Report Number : XXXX To Whom It May Concern, I am writing to formally notify you of Experians failure to properly investigate several items in my previous dispute, submitted under Report Number XXXX on XX/XX/year> via Certified Mail [ XXXX ]. After reviewing Experian 's response which was a completed dispute email and results on XX/XX/year>. I found that multiple accounts I disputed were not investigated, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). If an item is not verified within this period, it must be deleted from my credit report ( FCRA 611 ( a ) ( 5 ) ). Since Experian failed to investigate the following accounts within the required time frame, I am demanding their immediate removal from my credit report : XXXX  XXXX  XXXX ( Account ending in XXXX ) Charged off XXXX XXXX ( Account ending in XXXX ) Charged off XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX ) Collection account ( {$520.00} past due ) XXXX XXXX XXXX ( Account ending in XXXX ) Charged off ( {$2800.00} past due ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Account ending in XXXX ) Charged off ( {$960.00} past due ) XXXX XXXX XXXX XXXX Account ending in XXXX ) Collection account ( {$110.00} past due ) XXXX XXXX XXXX ( Account ending in XXXX ) Collection account ( {$1400.00} past due ) XXXX XXXX XXXX ( Account ending in XXXX ) Collection account ( {$440.00} past due ) XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) Charged off ( {$1700.00} written off ) XXXX XXXX  XXXX XXXX Account ending in [ Add if available ] ) Collection account XXXX XXXXXXXX ( Account ending in XXXX ) Collection account XXXX XXXX XXXX ( Account ending in XXXX ) Collection account As of today, I have not received a response from Experian in regards to the listed accounts that was not disputed as per my dispute letter. This is a direct violation of FCRA 611 ( a ), and they are now legally required to delete all disputed accounts immediately due to your failure to comply with federal law. 


Experians failure to properly investigate these accounts within the legally required timeframe means they must be deleted immediately per FCRA regulations. I expect an urgent correction and written confirmation of these deletions. 

If this issue is not resolved promptly, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney Generals Office, and any other appropriate regulatory authorities to ensure my rights under the FCRA are upheld. 

I expect written confirmation within five ( 5 ) business days of receipt of this letter from Experian. 
I also sent Experian a copy of this letter today XX/XX/year> Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Checking or savings account

I opened an account with Key Bank ( XXXX XXXX ) and have been receiving their promotional monthly checking bonus amounts. I have received a letter stating that they are closing my account due to it being " high risk ''. I have to rush to get my deposits switched and there is some lag in processing. In addition, I have to move all my finances. I have not been given a solid reason why this determination has been made. 

There is nothing about my account that is high risk. My deposits are my primary employment ( state financial institution examiner ) and I sell stickers on XXXX and XXXX. I am well aware of BSA rules and it is bizarre to think my account is high risk in any manner. I don't have very high deposit volume and it is from established sources.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX ) Took an account that was charged of in XX/XX/XXXX and re-aged the account to XXXX when I called them to inquire as to what the account was for. My understanding is this is illegal.
Product: Debt collection

XXXX broke their " contract '' with me. They would not give me a copy of their contract. I made an audio recording of our agreement and when I played it back, it did not agree with their recent comments. 
They would not send me a copy of the " contract ''. Their installer came to my home and installed a new modem. Under the " in place '' agreement, till the end of agreement, I was under free modem, till the contract ran out. They broke contract. Also, their installer stole one of my personal units. Value+ {$160.00}. XXXX did NOT want to hear any of my complaints, only wanted money.
Product: Debt collection

I received a phone call today as well, as my husband, and mother-in-law from a woman named XXXX from XXXX and associates saying they were a law firm sending legal documents to my residence and/or work place so that I could be " served. '' They said this was a civil lawsuit for a credit card from Well 's Fargo bank I opened and defaulted on in 2004. This credit card had been closed and the debt has been closed and written off as a bad debt, no longer on my credit report. They then explained that If I refuse the lawsuit, criminal action will be taken against me and I will be arrested for fraud against a financial institution. Since this debt has been closed and is 11 years old, I am way beyond my statute of limitations for collection. Not only is it illegal for them to try and collect on my debt, it is also illegal for them to try and sue me, threaten criminal action, call my family members, threaten to come to my home and work, and for them to pose as an attorney 's office. I googled this company and their phone number and it is not a known company of anykind, let alone a lawfirm.
Product: Credit card

I have had unauthorized account debits from a rental car company, XXXX located at XXXX XXXX XXXX, which is now over {$800.00} when my confirmed quote was for {$51.00} total. I have just had XXXX XXXX, and am being robbed by not only the rental car company, but also the credit card issuer Capital One, as they are of no help whatsoever. I would like to file a formal complaint against XXXX, and now Capital One, as what is happening to me is illegal. infact Capital One just argued with me to no limit, and I was assaulted over the phone by XXXX. Again I am recovering from neurosurgery at XXXX XXXX XXXX, and I am reporting credit card fraud, and failure to resolve credit card fraud. I am the consumer in the situation, and I see no other option than to contact the FTC.
Product: Student loan

After the first complaint that was filed on XX/XX/XXXX ( that is currently closed ), Navient reached out to me right on the XXXX XXXX and everyday thereafter. On Monday, XX/XX/XXXX I was able to call Navient back in response to the first complaint explaining to them for the millionth time that I am in a severe financial crisis facing homelesness and am unable to provide them with any payments until employment is secured. I was told there was nothing they could do and that the lowest payment option was XXXX XXXXXXXX, which I am unable to afford as I can not even afford a basic living essentials at this point in time. I told the male employee to please mark this on my account to stop calling me and I would call them when I secure employment and can give them money. 

Not only have they been calling me daily ever since this said phone call, I received a disturbing and concerning message from a random old high school colleague via social media that I have not spoken to in XXXX years a voicemail from Navient looking for me and stating that they had personal business matters to discuss with me and have been unable to contact or reach me for quite some time with multiple attempts to collect a debt. This person/stranger was concerned that something might be wrong and sent me the voice message and is now aware because of this employee of my personal financial matters. The voicemail was to get her to call them back about me, this is not ok. 

Employee name state on voicemail was XXXX with an employee ID number of XXXX. 

Not only has this increased my XXXX, but it has caused undue and unnecessary added stress to my already ongoing financial circumstances impacting my overall wellbeing. I am deeply concerned that no matter how many conversations or phone calls I have with Navient, the harassment will not stop and I am unsure who else they have reached out about this that they think I am associated with but am not.
Product: Checking or savings account

My current bank account is bank of America, my account was hacked and later closed from using XXXX on my savings account. also I have extra charges on my checking account that I am having trouble with my account constantly being closed due to XXXX.
Product: Checking or savings account

I have Wells Fargo Business checking and everyday checking account. 
I am travelling out of USA for around XXXX weeks. During this time I tried to send some money using XXXX. Recipient is all setup but Wells Fargo want to send me the access code to my USA registered mobile phone only which i don't have access from outside of usa. 
I called Wells Fargo during the last 60 minutes and talked to customer service and the supervisor XXXX XXXX XXXX -asked them why they don't have the option to send the access code to Wells Fargo mobile app, registered email-id or another phone number ( virtual phone number ). Wells Fargo representative said that it only send at the registered phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion dropped my CREDIT SCORE BY XXXX POINTS because of an increase of {$440.00} in XXXX credit card. Even though all of the credit cards combined had a net decrease in usage. 

Additionally, XXXX made no similar change in my score. 

XXXX XXXX XXXX are too arbitrary in their analysis of credit information. Particularly, how substantial payments lowering account balances have little if any impact on raising a score, but a less than {$500.00} expenditure can drop a score by XXXX points.
Product: Student loan

I have made over 120 qualifying payments toward PSLF but I only have two payments showing as qualifying. I had been with XXXX XXXX since XXXX, having only Direct Loans. I was on track for forgiveness. The limited waiver was applied to my account in XXXX of XXXX. The payments across my loans were now different for unexplained reasons. I consolidated the loans to obtain the correct highest counts across all of my loans. The consolidation completed in XXXX of XXXX. I was forced to choose Mohela rather than XXXX at the time of consolidation. I have since had an employment certification form processed by Mohela in XX/XX/XXXX. The payment count on the consolidation loan was updated from zero to two payments. I contacted Mohela regarding when the qualifying payment counts prior to consolidation would be included in the total. Mohela indicated that they would be included by the end of XX/XX/XXXX. In the beginning of XX/XX/XXXX, I filed a compliant with the FSA Ombudsman group.

The FSA Ombudsman group has indicated that XXXX XXXX is supposed to update the count, Mohela is supposed to update the count, and that the Department of Education is supposed to update the counts. I have contacted each of the Mohela, XXXX XXXX, and the Deptartment of Education, but no one seems to know who is supposed to update the account. I contacted the Ombudsman groups at each of Mohela and XXXX XXXX while on the phone with the FSA Ombudsman. The FSA Ombudsman group told XXXX XXXX XXXX Ombudsman that XXXX must transfer the loan information to Mohela to get the counts updated. The FSA Ombudsman later told Mohela 's Ombudsman that the waiver will not be applied until later in the fall. I told both that the waiver had already been applied to my account in XXXX of XXXX. The FSA Ombudsman then said that I had to wait longer. When asked how much longer, no answer was provided. The FSA Ombudsman indicated that they have no timeline in which to process the waiver, that it can take years, and that I have no recourse. 

I have only had Direct loans and have only had one employer - the federal government. 

XXXX is in my promissory note. I have made over 120 qualifying payments and over 118 of them are not being counted. I have already made the qualifying payments toward forgiveness, but my loan servicer refuses to acknowledge them so that I qualify for forgiveness. It has been five months since my consolidation completed, and all of those qualifying payments made before consolidation have disappeared. Nearly ten years of payments are being ignored. Each of Mohela, FSA, the Department of Education, and XXXX XXXX are blaming each other as to why these qualifying payments are being ignored.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX Here is the item I am asking you to verify as accurate.
Product: Credit card

I was told by credit karma that I was approved for several different credit cards. Whenever I applied I was denied for every one of them and my credit score took a big hit. Credit karma should not be able to tell people that they will get approved when they get approved for nothing not even one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three hard inquiries on the same bank in the same week, this I am sure is against the FCRA, I will look into this, this is unacceptable, please remove these duplicates from my Equifax report, I am going through CFPB because when I call to asked they act like its no big deal and further more looks bad for my report so please remove them
Product: Mortgage

We have newrez or shell point, we tried to get money out of escrow, they do it pay homeowners on time, and just screw up on everything. They say they can pay homeowners insurance 30 days late while I get letters from home owners insurance that they will drop. We put 50 % down and have never been late. They said we dont meet requirements which we do. Calling lawyer and states attorney for XXXX over old people. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion lowered my SCORE since last month by 39 points. I have called their customer service group twice and they could not explain this action.