23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I agreed that Navient ( services XXXX student loans ) could go into my checking account for XXXX to pay on my student loan ( a combination of my loan and interest on my college student son interest of his student loan ). Navient went in my bank account and took XXXX leaving my account XXXX dollars over drawn. I incurred insufficient fund fees and was left with out money for travel to work and gas fees. My family depends on me since I am the sole provider in my household. I sent Navient faxes of my bank statement showing them the error and my bank states Navient, does this quite frequently to their customers XXXX I talked to Navient to in sure they had received my request to return the stolen money and they agreed to put the money back in my account in 2-3 weeks. this is the third week and still no returned money, no letter of apology. I know I owe them a debt but it is so dishonest to take money out of my account that they had no permission to take almost XXXX dollars. I was not in a delinquent status. Please help me retrieve what they have taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$33000.00}, {$7500.00}, {$3900.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$3900.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

They reported 3 loans on my personal credit reports. I wrote them a letter and call there office XXXX. Received the acknowledgment but they are not fixing my credit report. And my refinance was decline due to this error.
Product: Debt collection

XXXX XXXX, won a default judgment against me in XXXX XXXX Court, XXXX, WI in 2016 while I was residing and working on XXXX. I couldn't afford to fly back to XXXX, WI for court so they won this judgment against me and I never had any account or agreement with this company. I know that they bought a debt from a former Credit Card Company that I couldn't make the payments after I lost my job and the credit card company wrote off the debt. They sold it to XXXX XXXX for whatever amount. I didn't have any type of agreement with this company and I believe they lied in court to win the judgment and now I found out they sent a letter of Wage Garnishment to my current employer where they are taking 20 % of my wages starting with my next paycheck. I can't afford to live with that much money coming out of my check for a company I never owed anything to begin with. I live paycheck to paycheck and don't want to wind up homeless over this. They are not willing to help me in any way. Please help me.
Product: Money transfer, virtual currency, or money service

I thought I bought concert tickets using Zelle through XXXX XXXX. I sent XXXX dollars via zelle to the seller and was asked to send more money. Therefore, I knew it was a scam. I did not receive the tickets or a refund from the seller. Capital one has opened a case for me but says it is unlikely I will get the money back since I authorized the payment.
Product: Mortgage

I have had my home mortgage with wells fargo for many years. I always paid my taxes and insurance seperate. for several years now they are charging me XXXX a year escrow. Why i have no idea.
Product: Credit reporting or other personal consumer reports

MY INFO WAS STOLEN AND CREDIT CARDS CHARGED.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items 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 you decide to not obstruct the accompanying items 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a 35 % annual loan with One Main Financial to help my son out of a jam. If I'm not mistaken, it was in the summer XXXX. 

The loan was refinanced from payments going from mid XXXX to where it currently is at {$430.00} a month. 

I've kept my payments ON TIME for 36 months straight!!! ( see attached payment list ) I encountered a setback in XX/XX/XXXX when my car went in for major repairs. 

I called and explained everything to " XXXX '' ; the office manager at XXXX XXXX XXXX. 
XXXX, Illinois XXXX ( XXXX ) XXXX I gave her a projected timeline where i can get back on tract payment-wise. 
( see attached text message for conformation. ) Nevertheless ... ... ... this manager proceeded to call my number repeatedly SEVERAL TIMES EACH DAY!!!!! From XXXX til today XX/XX/XXXX... she has 40 calls logged on my call list!!! ( see attached call list ) I refuse to do any business with this office!!! 

This is a concentrated effort to harass me! 
There is no reason for this outrageous behavior! 

I am always on time with my PAYMENTS! 

I expected to receive a cordial understanding after looking at my pay records. 

And furthermore, if my payments began in XXXX ; notice the list of payments began in XXXX! Not to mention the " creative bookeeping in the interest column ''. 
( see attached pay listing ) It would seem ... .. this loan would be payed off by now? 

I would appreciate your help in bringing justice to this office unrelenting brutal harassment tactics!!! The office manager thinks she is ABOVE THE LAW!

In conclusion, my phone is also my business phone so my clients can see these calls coming in hour after hour!! 

i have suffered lack of sleep, eating, and bowel irregularities for the last month dealing with the stress she has inflicted. 

I will also be contacting the main office for ONE MAIN FINANCIAL in XXXX, Indiana where XXXX XXXX is CEO. 

I'm sure he may not be aware that one of his XXXX branches behaves this way. 
... ..after all ... ... SHES A MANAGER! ..... someone has to control this woman 's antics. 


thank you in advance CFPB for your prompt assistance with this. I'm currently 2 payments behind at XXXX each plus late fees. 
of course, I fully intend to make some arrangements to catch up and pay this loan off honorably as I always do. 

but ..... I no longer want to work from this office!... 

I normally pay online anyway ... ..and ... hope they can find the error in payments made so far? ... .Something seems real off there. 

thanks again
Product: Mortgage

I was on the deferment program with Mr Cooper mortgage comp due to Covid for a year and half. My term is up in XXXX. I called to see my options now as per letter l, options being pay in full, move the XXXX to back of loan, payment plan or remodify my outstanding balance. Now they tell me I dont qualify for anything. I can short sale my home. That isnt an option for me. Im a single Mama of XXXX. I was current before the Covid hit and I lost my job. Now back on my feet ready to pay mortgage. They are telling me XXXX  XXXX  will put me in foreclosure due to the loan. I need help. This isnt fair to us homeowners that assumed we where gettin help yet blind sided with the ending results.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I use cash app to send {$1000.00} to XXXX XXXX. later On the same day I requested a refund from XXXX XXXX and was immediately refunded. Cash app said the money could take up to 5 business days to be returned. As of todays date XX/XX/21 I have not received my refund. XXXX XXXX XXXX XXXX XXXX my financial institution where the funds were withdrawn from said cash app did not properly refund the money and must resend it. I have contacted cash app and informed them of what i was told by my financial institution. As of todays date I have not received my refund
Product: Debt collection

This is a complaint against Citizens Bank of XXXX, RI ( " Citizens '' ) I was formerly a customer of XXXX, which Citizens Bank acquired my account through XXXX. 
XXXX was previously my primary bank where I set up numerous auto-pay and direct deposit. When my XXXX account was acquired by Citizens, I was informed that none of my auto-pay information would properly transfer over to Citizens from XXXX. As a result I spent weeks migrating my auto-pay accounts off XXXX/Citizens. During the transition I experienced several days of " black out '' and no one from Citizens Bank was able to provide any support. 

On XX/XX/2022, the first business day I had visibility into my own account, I went to Citizens Bank branch in XXXX ( the only branch within 20 miles of where I live ) to promptly close my account. The Citizens Bank branch representative assured me the account was fully close out and kept my Citizens debit card at account closure.

Several days after stated account closure, I noticed via Citizens mobile app that there is an alleged {$83.00} overdrawn balance, apparently resulting from one of the auto-pay debits that I have migrated away from XXXXCitizens. 

I have since then made at least five different attempts to contact Citizens Bank but each time I end up spending over 30 mins on hold via Citizens phone line XXXX and not able to reach any person. Further, 1 ) Citizens phone support offers no call back feature, 2 ) there is no 'email contact ' option anywhere on Citizens website or mobile app, and 3 ) the 'chat ' feature is no available.

I have spent too much time trying to help Citizens Bank out with their own clerical error on the alleged {$83.00} overdrawn balance, but recently received a paper mail stating the balance is at their 'Collections Department '. When I tried to call the number stated on the letter, I end up at the same XXXX with no one ever picking up the phone and 'infinite wait '. 

My account number at Citizens Bank is XXXX Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  CREDIT AGENCY HAS BEEN REPORTING INACCURATE INFORMATION FOR SEVERAL YEARS EVEN AFTER I HAVE FILED POLICE REPORTS AND REORTS WITH THE FTC THEY HAVE YET TO FIX IT. I WANT TO SUE THEM AND HAVE THE FILES REMOVED. XXXX for {$5400.00} XXXX XXXX XXXX for {$15000.00} and XXXX XXXX XXXXXXXX for {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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: Credit reporting or other personal consumer reports

Dear Innovis, XXXX, XXXX, and XXXX, I, XXXX XXXX, a natural person, am formally disputing the inaccurate and misleading information on my consumer credit report. For the past several months, I have repeatedly requested an investigation into these violations, yet my disputes have been ignored. These inaccuracies have negatively impacted my livelihood, and your failure to conduct a reasonable and timely investigation violates my rights under federal law. 

XXXX of the primary inaccuracies pertains to my account with XXXX XXXX XXXX. Specifically, the payment history for this account is inconsistent across the credit bureaus, yet it has been reported negatively on my consumer file. Additionally, you have failed to provide verifiable proof of the alleged late payments before reporting such derogatory information on my consumer report. 

Your failure to investigate and correct these inaccuracies is in direct violation of 15 U.S. Code 1681i ( Fair Credit Reporting Act ) and 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ). As per my rights under these federal statutes, I formally demand : XXXX removal of the inaccurate accounts and negative marks associated with my XXXX XXXX XXXX account and any other unverifiable information on other accounts. 

Failure to comply with my request within the legally required timeframe will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering potential legal action to protect my rights. 

I expect a formal written response and resolution to this dispute within 30 days, as required by federal law. Please send all correspondence and supporting documentation regarding this matter to my contact information listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about inaccuracies on my credit report regarding XXXX  XXXX XXXX and TransUnion sent me a letter that they verified the account. TransUnion has not given me the information I requested on the verified documentation and how can it be verified when on the credit reporting agencies the last activity and close dates do not match each other. The XXXX XXXX account Transunion claimed they verified has a closed date, last activity and company name that do not match. The two ( 2 ) XXXX XXXX accounts have inaccuracies with payment history, closed dates, and last activity. It is the responsibility of Credit Agencies to report accurate information.US Dept. ED/XXXX  XXXX has inaccuracies with payment history, closed dates, and last activity. Transunion has not done its due diligence to ensure the accuracy of the information they publish on my credit report. In addition to the inaccurate accounts, Transunion is also reporting hard inquiries that are not Metro 2 Compliance and they do not have my permission to report these erroneous items : XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX. I sent Transunion a letter requesting the information be investigated over 30 days ago and I have not gotten a response of any kind. 
According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan with them when signing my loan the loan officer just scrolled thru everything sign her sign her never let me see what I was signing and made up reasons of what I was signing Ive paid for more than a year now and Ive only knocked off XXXX dollars of the loan which is ridiculous. I got insurance on it incase I was unemployed so I was and I tried to use it and was told I couldnt so I am paying extra a month for a service I couldnt use.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1000.00}, {$920.00}, {$320.00}, {$1100.00}, {$17000.00}, {$0.00}, {$1600.00}, {$64.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$64.00} -This is not my account.
Product: Credit reporting

I just found a multiple applied to different credit car company but I never applied of those company and I want to know may be somebody used my name
Product: Money transfer, virtual currency, or money service

I was sent money thru cash app from my sister, I am XXXX as far as trying to figure some things out sometimes. So I called cash app and explained that I could not Access my account so they helped me to open a new cash app account on XXXX XXXX and said that they will transfer my money that my sister sent me to my new account so I could get my hotel room because I was in a different city and state and I knew no one here and I had a flat tire even. I told cash app this and the manager said not to worry. I've not received any of the money that my sister has sent to me to date. I had to sleep outside that night because cash app took my money, I have begged them to give me my money and they will not due to security reasons they won't tell me about. I am severely XXXX in my health because cash app did this, I was in ICU the following days because I developed XXXX due to being stranded and having no money or no way to receive money due to cash apps abuse. I do believe they saw my accached debit card as my social security payment card. And took my money as they do other people 's with XXXX. I've asked cash app and my sister that sent the money has almost begged cash app to return the money on my account that cash app has closed. For security reasons they will not tell me about.
Product: Debt collection

I Have contacted Convergent outsourcing for Acct # XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX XXXX. I have contacted this company by phone and sent several dispute letters with this company who is reporting to all three credit bureaus and it is negatively damaging and affecting me from obtaining credit. I have no agreement or contract with this company. By law i would need to see any contracts that was signed with my signature and convergent has not provided me with any of the information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in dis belief when I saw the late payments on my student loans. 

Late Dates are not listed but it says 90 to 119 recent days late. 90dayd would be XXXX XXXX and XXXX 2019 but the picture of the debt dont show any latex in 2019 Account names Dept of Education XXXX Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts listed are not mine. Please remove them.
Product: Checking or savings account

I filed suit due to an accident my daughter had when she was young. I won the case and the insurance company issued a check in the amount of {$7200.00}. The check was deposited at Chase Bank on XX/XX/2009. We contacted the bank so we can withdraw the money and they advised the account could not be located. The bank is JP Morgan chase located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The account that was opened was a XXXX XXXXXXXX XXXX XXXX XXXX  Since then I have paid my daughter with interest as she needed to pay for school and rent. I would like access to this account immediately as I am trying to purchase a home. Thank you
Product: Credit reporting or other personal consumer reports

My loan matured XX/XX/2023. It took XXXX XXXX XXXX  6 months to complete the modification. During this time I continued to make monthly payments. XXXX XXXX failed to complete the modification in a timely manner causing my account with them to show delinquent. I also spoke with XXXX XXXX regarding the delay as well as the late charges assessed to me. He stated that he showed that I was current at the time of maturity and that I continued to make monthly payments during the extensive amount of time it took them to complete the modification. As of XX/XX/2023 XXXX XXXX XXXX  still had not updated my account. I received my monthly statement XX/XX/2023 showing that nothing was due. In reviewing the statement it showed that XXXX XXXX took a portion of my last payment and applied it to late charges. XXXX XXXX stated that those late charges would be waived. I submitted a credit bureau correction and received a letter from XXXX XXXX stating that their records were accurate and no correction would be made. It was of no fault of mine that it took XXXX XXXX 6 months to complete the modification. They had everything needed by XX/XX/2023. During that period I continued to make payments each month in a timely manner.