23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022 I tried to use my Bank of America debit card in a gas station and it was canceled. Later that day I received XXXX emails that both my XXXX phone number and email were deleted and when I tried to log in to my account, I was not able to transfer or use my debit card. 
I have tried to call them throughout the week and they just told me there is a restriction on my account and to transfer me to a department that never answers. I waited on the call for XXXX hours and XXXX min and no one answered. I am left with no money and no access to my money due to the restriction and I am not in the US, so my access to money is XXXX. Bank of America has been treating me like a dog and it is not allowing me to use my money with no prior notice or any emails or messages to explain why they have restricted my account. 
I have XXXXe week in a foreign country begging for money because BoA has decided to freeze my account with no notice or motive whatsoever and no one is helping to make sure I have access to my money.
Product: Debt collection

American elite recovery called me numerous of times to collect a debt from the XXXX XXXX of {$570.00}. They also called my father telling him his daughter was going to be arrested at work. So I paid the XXXX on XX/XX/2019 and its still on my credit when they stated they took it off now I get the run around and they dont even have a website. File number was XXXX account XXXX their number is XXXX
Product: Student loan

OnXX/XX/XXXX, I faxed a re-application to Navient to maintain an Income Contingent Repayment plan for my two Department of Education Consolidated Parent Plus Loans. These loans are approximately {$250000.00} at an 8.5 % interest rate. I had been notified by Navient by U.S. mail that the deadline to re-apply for ICR wasXX/XX/XXXX. My communications with Navient are by U.S mail only, by my request, not by email messages. Today, XX/XX/XXXX, I contacted Navient by telephone because I noticed on Navient 's website, where I pay my loan payments each month, that my ICR payment had risen from {$780.00} to {$820.00} although my income verified by my XX/XX/XXXXfederal income tax return had decreased by {$2000.00}. Navient informed me in that telephone call that my re-application was defective and Navient had notified me by email onXX/XX/XXXX that my application had been denied. When I informed Navient that I had signed up for paper communications only, I was told I had signed up for email notifications and that the new amount was in place because my application was defective. Navient then offered to place my account in forebearance while I straightened out my application. I declined a forebearance because I did not want interest to accrue while I put an ICR in place. My complaint is that Navient did not inform me by U.S mail that my ICR re-application was defective, increased my payment amount without notice, and lied to me by stating I had agreed to accept email messages as notices of my repayment plan status. While this increase may be small, my income is extremely tight -- I struggle each month to pay for both health care and for student loan payments. I am a XXXX year old single woman who lives on XXXX XXXX and XXXX when I can get work. The Navient customer service representatives I first spoke to were not pleasant and I was hung up on 3 times before I was able to find a rep who assured me she had taken steps so that I will receive paper notifications for my account.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on 10/03/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. XXXX, Equifax, and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from XXXX and Equifax that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( XXXX XXXX XXXX XXXX XXXX ) at my place of employment.
Product: Vehicle loan or lease

Purchased XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. Paid the vehicle off in XXXXXXXX XXXX XXXX. Called US Bank twice in the summer of XXXXXXXX to inquire about my title. Both times they said title was being released. As of XX/XX/XXXX had not received title. I called US Bank and they acknowledged they've had a paper copy of the title since XXXXXXXX XXXX XXXXXXXX and failed to forward the title to me.
Product: Mortgage

Earlier this year, I received notification from my mortgage company stating that their records indicate I have not paid my property taxes. Which I do not escrow these funds, I actually pay them directly to my city and county. At this time, I contacted them and told them, yes I did pay my taxes and I actually sent them copies of the canceled checks and even the county website showing that my taxes were paid before they were due. A few months later, I received another notification and I sent them the information again, and even called them. At this time the person I spoke with we discussed the map id # 's and it appears they had a house XXXX-doors down from me listed as my property. I asked him how this happened. The representative told me that Nationstar used a 3rd party provider to verify if property taxes were paid. I advised the person at that time, that I would send the proof in again to show that My taxes were paid. The property that owes taxes was XXXX XXXX XXXX XXXX, which is owned by my ex spouse. I even advised them that this house has NOTHING to do with me, I have never had any association with that property. They assured me they would get this resolved. On XXXX XXXX I went online to pay my mortgage and they have now added $ XXXX+ per month for escrow on my account. By this time, I was very unhappy I called them again and spoke with XXXX XXXX and explained everything to him. He told me to allow him 3- days to review. After 5-days I called him back and he advised me that they had the wrong map # associated with my house and that taxes were due. I then ask for him to call the tax office so we could discuss. We then called XXXX County Tax office and spoke with XXXX, she verified that I paid my taxes, and that I did NOT owe any taxes. I then explained to her that my ex-spouse had owed taxes on XXXX XXXX XXXX XXXX and they were linking those taxes to my property. She then advised me that in XX/XX/XXXX NationStar had paid the past taxes on his property. At that time XXXX from Nationstar asked XXXX to send him this in writing, showing that my property was current on taxes and has been. After XXXX hung up, XXXX then asked if he could have 3-more days to review this and see what recommendations he could make since they paid out {$1200.00} on an account that was not mine. He then stated they could add this to my account. I advised him absolutely not, these are not my taxes and how could a mortgage company want me to pay taxes that are not mine and that they paid out in error because of lack of competence in their own organization. Now after this ordeal I do not trust this company to not add these expenses that are not mine to my account. I have no faith in their integrity or their business practices. I am to the point of contacting an attorney to ensure that my account is handled properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit for transunion and XXXX  was XXXX on the excellent pinnacle where it belongs on XX/XX/2019. It dropped 10 points on XX/XX/2019 for no reason and then dropped more than 100 points with no explanation on XX/XX/2019. It appears that XXXX made the error affecting the mistakes on my credit reports. XXXX had erroneously put my account into collections while the bill was being disputed. The collection remarks should not be there at all. I took this matter to the NYS Attorney General to finally get XXXX to correct the final bill owed from {$590.00} to {$220.00}. The email from XXXX on XX/XX/2019 confirms XXXX 's mistake. The letter I addressed to both XXXX and the NYS Attorney General explain the mistakes made by XXXX. The balance of. {$220.00} was paid on XX/XX/2019 to XXXX. Please remove the remarks from both Transunion and XXXX from XXXX. I am a XXXX veteran and I am highly stressed over these mistakes.
Product: Credit card

the truth in detail is this. i enrolled in a debt settlement plan to settle with XXXX creditors. only XXXX is giving me trouble. that XXXX is us bank. as soon as enrolling i mailed them copies of my XXXX award notice. i was considered XXXX as of XXXX XXXX, XXXX im already over XXXX and will not be returning to work. i am XXXX per my primary caretaker and ssa. my income of course has taken a hit. im single and ssi is my ONLY income. no XXXX no savings no XXXX income because im not married or even living with anyone. i have no children but its still nearly impossible to even get buy. after mailing in a XXXX x XXXX envelope the whole story to us bank, they said we understand your situation but you are not qualified for a hardship right now. what?? who could be more qualified. my XXXX letter to them was a cease and desist letter. they wrote back saying they would not call but would still right. NO, NO, NO. they were entitled to send XXXX letter saying they received the cease and desist letter. however after the XXXX letter no XXXX creditor or otherwise can contact you in any way. i responded back telling them that if they even sent anything to my mailbox ever again it was a minimum of a XXXX dollar fine. heres the deal. im 100 % judgment proof. XXXX gives me a XXXX property exemption. well i dont own that much property and my ssi payments are 100 % garnish proof. so i tell them i could just not pay anything but being honest i wanted to pay them something instead of nothing. thats why i did the debt settlement program which will be XXXX more payments. so today in the mail XXXX XXXX, 2016 i get more mail from them. that breaks the cease and desist violations. i want and demand justice.
Product: Student loan

For the last 3 years, I have made my loan payments to Navient. Every month I have notifications that I am late. I am assured every time I make a lump sum payment, on my own or by way of their auto draft- it does n't matter. The payments are not applied equally across my loans. Navient is the telling me the total amount necessary to satisfy these payments but then they do n't apply them correctly. Even now, because I don't/ca n't trust their auto draft payment process, I pay online. It still shows me behind on 3 of my 6 loans. I have had honest representatives tell me their system for many years clearly has not applied my payments correctly. When I escalate the call to a supervisor, I am belittled and treated poorly. Because of this, I have a mark on my credit from one loan. One loan out of six. It makes ZERO sense that if I am making lump sum payments, that I would avoid paying on one loan. They refuse to remove the disputed amount.
Product: Prepaid card

Netspend put my tax refund on a card. When I used it at XXXX store to buy a XXXX ticket, Netspend blocked the card from me using it claiming possible Fraud, What resulted was months and months and months and money spent at XXXX XXXX trying to jump through every hoop to prove I was owner of the card and that no fraud had occurred by emailing, calling, faxing THAT RESULTED IN THEM KEEPING ALL MY MONEY .... IN THE END, THEY SAID THEY RETURNED IT TO THE IRS ... but the IRS says they have no such return. The amount was approx. {$1800.00} ... but since we lost our apartment, my car, our marriage, our children 's respect, and my job due to the time, energy, effort, and resulting medical diagnosis of XXXX, I really can not put a dollar amount on the devastation this company has caused me. I want this company to be held responsible for knowingly practicing acts of dishonesty, setting up help call lines answered by individuals who lie saying they are located in Texas and are not, and do not ever intend on helping the customer. I have documentation of every call, up to XXXX minutes each time, and want to be reimbursed my tax refund and an additional amount to compensate me for the physical, psychological, and financial damage this company has caused me. Thank you.
Product: Debt collection

PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate in the name XXXX XXXX. Whereas I believe them to be a debt buyer, WATERFALL REVENUE GROUP, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, correspondence, and financial and corporate records that pertain to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

Started a dispute through XXXX  XXXX XXXX XXXX turned around and said they have the correct information. They do not. I did not open this account. Therefore, I am not paying this debt. I explained how my phone had been hacked, along with my computer a while back. this is fraudulent. This has caused me nothing but a huge headache since I have had to close all my bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies.The following accounts are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX : {$390.00} XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX 2. Us Sm Bus Admin Oda XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i did not authorize this company to get my credit report i did not authorize the company trius lending to get my credit report. please send proof of this authorized inquiry and proof of this agreement
Product: Mortgage

Our family has been living at this property for over XXXX years and due to the " not so good economy '' and loss of work, it has become increasingly difficult to keep up with our household bills and mortgage payments. XXXX option was a loan modification but OCWEN has refused to work with us on a loan modification. XXXX I have submitted to OCWEN request for mortgage assistance, HAMP and Keep Your Home California ( Reinstatement Program ) and was denied XXXX times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history. and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I got an identity theft report and police contact in my city. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report Chapter XXXX Bankruptcy. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX { XXXX. XXXX. XXXX. I see some inquries on there as well that I dent know about XXXX XXXX. XXXX  XXXX  XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX, XXXX   XXXX. XXXX XXXX XXXX XXXX  AND XXXX.
Product: Payday loan, title loan, or personal loan

XXXX have communicated with Atlas Credit many times on this issue. I was attempting to work out a payment arrangement with them because currently times have been hard. Their management staff crossed many lines. Then started to insult me personally, and started XXXX me, my family and my work via the phone. It got so bad that myself and my family and my company have had to change numbers or block them via phone systems. I have told them to stop and just send me to collections and they refuse. Now they continue to send tacky letter after tacky letter. They even had a lawyers office contact me via mail. When I talked to that lawyers office, they stated that Atlas just uses them to try and scare people. I want to quit being XXXX  by Atlas.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of negative information that appears on my credit report, as provided by your agency. Specifically, I would like to dispute the following items : XXXX Account Number : XXXX I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 

XXXX XXXX Account Number : XXXX Similar to the previous account, I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 

The following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XX/XX/XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

I am also requesting that you provide me with a free copy of my credit report, as provided under the FCRA, 15 U.S.C. 1681j. I am entitled to this report because I have been denied credit based on information contained in my credit report.

Thank you for your attention to this matter. Please provide me with written confirmation that you have received my dispute letter. 

Sincerely, XXXX XXXX