23daVinci/CFPB_Complaints huggingface dataset:
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 {$360.00}, {$320.00}. 
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. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

2. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, 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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

Final attempt to pay off debt via phone call was on XX/XX/22. I requested a pay off amount to pay for my debt. I was given this loan on terms that my income/financial status could not meet. However, I was given the loan and unfairly able to make the payments, I fell behind. i reached out to them to settle the balance owed to pay them off something. They expect me to pay a balance I can not afford.
Product: Student loan

I took out a small loan to subsidize my XXXX education. The loan was serviced by XXXX. Considering the size of the loan and the limited options to reduce my interest rate, i do not believe navient had my best interest at heard when they financed my small loan amount out to 30 years. Essentially I was just accumulating and subsequently paying on interest and very little principal. I believe these practices are a false and predatory for students who are to be contributing to greater society. It was difficult to work with them to get a loan amount that was within budget but also aggressive enough in payoff amounts. When I paid a lump sum early, it Essentially deferred my next payment not demonstrating good faith of my determination to pay off the loan or reduce the interest rate
Product: Credit card or prepaid card

This is a loan or a card I never had ownership of they had me with two cards I only had ownership of one and the account i had ia closed but the other one I do not have access to I need it taken care of and off my credit report ita not mine
Product: Debt collection

A debt collection appeared on my credit report recently. This debt was from a utility company in Michigan. It appeared originally around XXXX. I disputed it with the utility company then and it was removed. Now 4-5 years later it reappeared thru a collection agency. I disputed it with them and they were going to provide a report to the utility company as I do not and have not lived in Michigan since XXXX. After speaking with XXXX I was advised to file credit fraud to prevent this fraudulent debt from being sold to another debt collector and reappearing on my report. The amount in {$4000.00}. I cant believe that a utility company can let someones bill accumulate that high without a disconnection of service. It sounds like they are trying to pass their mismanagement issues on to me. 
XXXX XXXX XXXX id # XXXX Amount {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

WRONG NAMES AND PREVIOUS NAMES AND PREVIOUS ADDRESSES NEED ATTENTION LETTER ENCLOSED
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has drastically dropped XXXX points in one day. The reason for this ( according to XXXX XXXX ) is a balance DECREASE to an account ( XXXX XXXX ). All accounts are in good standing, no missed payments in the last 3 years. XXXX will not help with reasons why this has dropped. XXXX calculations are not correct according to their factors : a balance decrease should not NEGATIVELY affect a credit score. XXXX refuses to look into this.
Product: Checking or savings account

After two failed attempts to make payments to my property management companies. Citibank blocked my checking account on XX/XX/XXXX and refuse to unlock or state any reasons. I tried calling the support as well as visit the local branch for assistance, and yet unable to get a clear explanation why my account is blocked. I was only advised I will be receiving a letter in the mail within a few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a case XXXX ( that was just closed with CFPB ) to address inaccurate information on my credit report. The issue was resolved with XXXX but not with XXXX or Equifax. The information was coming from XXXX XXXX XXXX. I provided proof that I had paid the lease in full and was being wrongly identified as having terminated my lease early. I paid the lease off and turned the vehicle in because NY state was shutting down all businesses due to the pandemic. I had called XXXX and was told that I could 1 ) keep the vehicle until the business reopened and continue to make lease payments or 2 ) return the vehicle as long as the lease was paid in full. I chose to return the vehicle, paid the lease off in full, and avoid continued payments for an unknown length of time. I have attached paperwork showing that XXXX recognizes that my lease was paid in full. I also attached my response to the only letter I received from XXXX in XX/XX/XXXX. I had to write to XXXX as I could not get the issue resolved by phone. XXXX has not responded to any of my letters. If I call XXXX, I am transferred and eventually hung up on. I have not been able to resolve this issue with XXXX. I did provide all of my evidence that this early termination charge is inaccurate to all three credit bureaus, and XXXX has removed it. XXXX removed a completely paid off and in good status XXXX XXXX XXXX account from XXXX but left the XXXX account from XXXX that I was disputing on my report. I have no idea why. I have tried to contact XXXX to clarify and am not able to resolve the issue or get a rational answer explaining why this happened. I am awaiting results from the dispute I filled with Equifax. I am attaching documents verifying this information. Please note that my name was XXXX XXXX at the time of this lease and is now XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed XXXX {$4500.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed XXXX {$4000.00} XXXX XXXX Balance Owed : {$1800.00}
Product: Credit reporting or other personal consumer reports

I have disputed these collections and multiple times with XXXX, and they kept ignoring my requests. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my creditworthiness. Again, I recently reviewed my credit report and noticed several collections. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive collections and they need to be removed immediately See Attachments
Product: Mortgage

I do n't understand how CFPB can allow a service lending organization ( Ocwen ) can modified a loan for five years at a low interest rate and then revert back to the original high interest of 10.37 %. I was denied another modification because I now receive social security. It does n't appear that Ocwen did anything wrong but it is so unfair that this country allows this type of predatory lending. I am not behind in my payments and am able to pay on time. That is all the more reason I should be able to keep my low interest rate. I have rehab loans on my property which means the government has to subordinate. Also, my loan has been sold so many times I do n't even know who owns it now. Shame on USA for taking advantage of poor people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account from XXXX XXXX XXXX in the amount of i {$640.00} appearing on my 3 credit reports under the name XXXX XXXX, which I have never been known by. On XXXX, I disputed the account and Experian closed the dispute stating that the account remains unchanged. I contacted the collection agency and requested information on the account, which included a letter showing that there is no balance to report. On XXXX, I provided additional information in response to Experian, which included the letter from the collection agency, but again the dispute was updated on today XXXX as accurate with a now past due balance of $ XXXX.Experian has failed to investigate and review the documentation that has been submitted proving that the account should not be reporting on my report and should be deleted.
Product: Credit card or prepaid card

I paid off my account in XXXX of 2021 and they restricted my account. Its been restricted with a XXXX balance for almost two years. Its effecting my credit and Ive asked several times to close my account and they tell me they can not do it.
Product: Debt collection

Synchrony/SAMs MC with a balance of {$2000.00} was settled via phone conversation between XXXX  XXXX  XXXX  agent and Synchrony Bank representative XXXX XXXX for {$710.00} lump sum payment to be received by Synchrony Bank on or before XXXX. {$710.00} was debited from reserve account with XXXX XXXX XXXX  on XXXX. Check # XXXX from XXXX XXXX XXXX was endorced by Synchrony Bank on XXXX. PLEASE NOTE the account of origin for this check.. this was not a personal checking account, but a reserve account that would have only been in place to serve in debt consolidation efforts. This was a settlement payment! Check was incorrectly posted by Synchrony Bank as a payment on the pre-settlement balance rather than accepted as the settlement payment in full. XXXX XXXX  notice, received XXXX ( 4 years later! ), stated that the account remains unpaid with a balance of {$1600.00}. Copies of settlement agreement, reserve account debit, and endorsed check mailed to XXXX XXXX  on XXXX. XXXX XXXX  notice, received XXXX, states that payment of {$840.00} will settle the account for less than full balance. 

This account was settled in XXXX. No further settlement terms are needed or secure.
Product: Checking or savings account

XX/XX/year> Applied to a Deposit Trust Account with Navy Federal Credit Union. Submitted all the necessary documents for review to open the account. 

XX/XX/year> Navy Federal responded that my trust application did not meet there opening requirements. Here is their response : Navy Federal Response XX/XX/year> : Thank you for your membership with Navy Federal. We have received your Application for Deposit Trust account along with supporting documents ; however, we are unable to process. This Trust does not fall within the category of a simple estate planning Trust that we service. After a thorough review of your documents, it appears we are unable to proceed with your Trust application request and encourage you to explore other financial institutions for your Trust needs. We apologize for this inconvenience. If we can be of further assistance, please let us know. 

XX/XX/year> I questioned Navy Federal 's decision and asked for their specific GUIDELINES in writing. I also stated that there seemed to be some bias and discrimination within your review process because Navy Federal did not CLEARLY defining the requirements upfront in the application nor is it stated on the website. I allowed them 5 business days for your response now I am escalate the matter. Here is what I asked Navy Federal : After careful review of the application and Navy Federal 's Website, there is NO PROVISION stating that the trust must fall within the category of a " SIMPLE ESTATE PLANNING TRUST. '' Please provide EVIDENCE within Navy Federal policy and guidelines that define what a " SIMPLE ESTATE PLANNING TRUST '' is. I am requesting a relook at my application because a Revocable Living Trust is a simple estate planning trust. Your application list the requirements as the following ; An Access Number will be created for the Legal Trust at the time the Deposit Trust Account is established. This application requires a Social Security number ( SSN/ITIN ) or an Employer Identification Number ( EIN ) and a copy of the Legal Trust pages that : ( 1 ) name the Legal Trust, ( 2 ) provide the signatures that established the Trust, and ( 3 ) provide the Trustee designations. Generally, XXXX  requires that all Grantor ( s ) /Trustor ( s ) OR all the trust beneficiaries be members of Navy Federal Credit Union .

Navy Federal refuses to provide the policy and/or guidelines that define " Simple Estate Planning Trust '' and how that classification is reached. This act show lack of transparency and possible bias and discrimination within their review process.
Product: Credit reporting or other personal consumer reports

This is the 4th times I've complained about being a victim of identity theft. You must remove these accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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: Debt collection

On my XXXX XXXX XXXX report I have a collection listed that was paid to Hunter Warfield years ago. I believe back in 2017.
Product: Student loan

I applied to switch to the income based repayment plan in mid-XXXX. They say they'll process applications within 7-10 business days and I've heard nothing at all. Haven't even been placed into a processing forebearance as I told I would be
Product: Debt or credit management

was charged advanced illegal fees before any debt payments being made. was Global Holdings llc through XXXX that is being sued for this same reason.
Product: Credit card or prepaid card

IN XXXX OF XXXX I OPENED A SECURED CARD ACCOUNT THROUGH XXXX IN XXXX TEXAS SECURED CERTIFICATE OF DEPOSIT IN THE AMOUNT OF XXXX CARD WAS PROVIDED WITH A LIMIT OF XXXX i MADE SEVERAL PAYMENTS AND CLOSED ACCOUNT BECAUSE OF UNAUTHORIZED CHARGES AND THE PAYMENTS NEVER REFLECTED THE PRINCIPAL BALANCE, CUSTOMER SERVICE WAS HORRIBLE AS WELL. iN XXXX XXXX I DISPUTED CHARGES AND ALSO AT THAT TIME ASKED THAT MY ACCOUNT BE CLOSED. I RECEIVED A COLLECTION CALL XXXX XXXX AT THAT TIME I ADVISED TO COLLECT CERTIFICATE AND DO NOT CALL ME ANYMORE. i FELL SICK IN XXXX AND LOST EMPLOYMENT AND GOT TIRED AND FRUSTRATED WITH HARASSING CALLS.i NEVER HEARD FROM THEM AGAIN, I CHECKED MY CREDIT AND SEEN THEY WERE REPORTING A DEBT IN THE AMOUNT OF OVER XXXX. I WENT TO XXXX AND CLOSED MY ACCOUNT ON MY CD. XXXX XXXX, THEY COLLECTED XXXX WHICH I FELT WAS INCORRECT.I WAS ADVISED TO CONTACT CARD MEMBER SERVICES ON XXXX/XXXX/XXXX, PER BANK REPRESENTATIVE. AFTER BEING TRANSFERRED 8 TIMES I SPOKE WITH XXXX XXXX BANKRUPTCY DEPT STATES MY ACCOUNT IN BANKRUPT STATUS, WHY IM NOT SURE NEVER FILED BANKRUPTCY, SPOKE WITH XXXX ALSO WHO STATED SHE WAS TAKING CARD OUT OF PENDING BANKRUPTCY STATUS, ADVISED THEM I WAS CONSIDERING HIRING AN ATTY. THEY STATED IF I HIRED AN ATTY THEY COULD NOT SPEAK WITH ME. THAT WAS QUESTIONABLE. I WAS CONTACTED BY XXXX ON XXXX WHO TRANSFERRED ME TO XXXX XXXX  XXXX WHO WAS SUPPOSE TO OFFER ME SETTLEMENT OPTIONS. HE OFFERED 50 % OFF OF XXXX DEBT I FEEL I DO NOT OWE AND THEN TRANSFERRED ME TO A SUPERVISOR WHO OFFERED ME A 30 % OF A DEBT I DO NOT OWE. i ASKED FOR A PHYSICAL ADDRESS AND A PHONE NUMBER THAT THEY REFUSED TO PROVIDE ME TO SEND CERTIFIED LETTER. ALSO THAT ADVISED ME THEY DO NOT COLLECT ON DEBT UNTIL AFTER ITS CHARGED OFF. CHARGED OFF XXXX AND HAS AFFECTED AND REPORTED TO MY CREDIT NEGATIVELY THE INCORRECT AMOUNT OF DEBT BEING THAT IT WAS SECURED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : 1. Validate Account 06 XXXX XXXX  XXXX : XXXX Please remove it from my credit report.
Product: Debt collection

XX/XX/23 a formal letter was sent to Nationwide Recovery. I asked for documentation showing such debt exist. till this date i have not received any response from this company and is messing up my current credit reporting
Product: Debt collection

On XX/XX/2023 A medical collection of the amount of {$1100.00} was placed on my credit report. The collection debt was posted by H & R ACCOUNTS INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate the inquiry ( A ). It is not permissible to fail to validate the reporting inquiry as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019, the consumer disputed an alleged debt with XXXX XXXX for an alleged payday loan made around early XX/XX/2019of the same year at Rapidcash store number XXXX in XXXX Oregon. The consumer has no knowledge of this debt, is not admitting to any debts and has no current or previous business relationships with this entity or the collections agency representing Rapidcash. XXXX XXXX failed to mail a debt verification letter and instead sent the same collections statement. The consumer is demanding the original promissory note or a copy thereof including the full loan terms, conditions and all associated statements and administrative remarks on the account. The consumer is unable to verify the debt and therefore is claiming that this is an invalid and illegitimate debt.
Product: Mortgage

In XXXX 2015, I spoke to Carrington mortgage to arrange to get current on my mortgage. The Carrington representative and I agreed I would make XXXX payments of approximately {$3000.00}. The Carrington representative took out the first installment of approximately {$3000.00} on the day we made the agreement by phone. About two weeks later I suffered XXXX and was unable to work. I was in the hospital and very limited physically. During this time, Carrington sent the agreement in writing to my XXXX XXXX XXXX which I was not able to check until much later when I was discharged from the hospital and able to walk and start leaving the house driven by family members to do errands. When I checked the mail, I got the letter from correspondence that incorrectly documented our agreement by stating I had agreed to make XXXX payments of more than {$5000.00}. This simply did not occur and was not the agreement made with my by the representative on the phone in I believe XXXX. If you note the payment I made it was approximately {$3000.00}, not {$5000.00}. I am upset that Carrington misrepresented the agreement and would like the company to review the phone records of the call to confirm that I did not agree to pay XXXX payments of {$5000.00} as I know I could not and did not make such payments, beyond the first {$3000.00}. Now that I am recovering from my XXXX XXXX I would like Carrington to explore my options for getting current on my mortgage and keeping my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

they repossessed my car after one late payment. they switched companies without my knowledge. it was blackhawk financial when i got my loan.it is currently XXXX XXXX XXXX i never got a notice of them changing names and numbers. i had no way of contacting them until i seen their name on my credit report 3 years later. i called when i got their information they said i owed about 4000 witch is  incorrect it was only around 1000. they sold the car to someone else for over what i owed. this is lowering my score. they never sent me the check of notification that the car was sold. they never gave me a chance to relieve my debt. they was very rude and uncooperative. they do not even have the original loan agreement. with my signature. they cant not validate my debt.
Product: Credit reporting or other personal consumer reports

The information was not verified as they said they did.
Product: Money transfer, virtual currency, or money service

Money was sent to the right number but it went to the wrong person. It was a Zelle transaction Im not sure if it was {$100.00} or {$1000.00}. But they told me it was nothing they can do about it