23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Green Tree Servicing give and and all personal information to anybody that called them or that they called. And blew my phone and my family 's phones all day. They were very mean and made rude comments to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I regularly check my credit reports, and noticed it's been over 7 years since my Sallie Mae account transferred to XXXXXXXX XXXX XXXXXXXX XXXX. I reported it to all bureau asking that Sallie Mae listed on my report dated XXXX be removed as its over 7yrs. I received several letters from Navient, stating the information they have provided to the bureau 's are correct, meaning that I have an account with them. I immediately responded asking Navient to provide document to support an open and active account with them, as they've been reporting. They have provided nothing to support my having any obligation to pay them. As noted my account was transferred prior to Sallie Mae going defunct in XXXX and Navient taking over. To date my account with XXXX XXXX XXXX XXXX is in good standing and payments made on time. Navient is not listed any where on my Student Loan as having any  association with my account at all. I've asked them on several occasion to provide documents to support an open active account. They provided me with my promissory note dated XXXX, XXXX, which is NOT in any way showing that I'm obligated to pay Navient, but the XXXXXXXX XXXX   XXXX which again is in good standing to date.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau : Hello. On XXXX XXXX, 2017 in the MORNING, I transferred {$25.00} from my Savings Account to my Checking Account at Bank of America.
On the EXACT SAME DAY ( XXXX XXXX, 2017 ) in the AFTERNOON, Bank of America initiated an AUTOMATIC transfer of my {$25.00} back into my Savings Account WITHOUT my CONSENT.
On the following day, I closed my Savings account, but the money was NOT accounted for. Because of this Bank THEFT of my money, I incurred 2 OVERDRAFTS on my account and had NO MONEY to buy me something to eat and ride the bus. I had to walk 11 miles in the hot sun.
I would like to file a formal complaint against Bank of America for th THEFT of my money. I have EVIDENCE and DOCUMENTATION of the Bank THEFT.
Call me ANYTIME : XXXX ; Cordially, XXXX XXXX XXXX
Product: Mortgage

My mortgage was sold by XXXX to PHH. XX/XX/XXXX was the first month with PHH. I paid my usual payment. ( XXXX ). I received a letter stating that I have a " suspense '' balance in the amount of XXXX but the total amount due is XXXX. 
The additional amount of XXXX must be received before the end of the month to avoid reporting to the credit bureau. I have never had the payment increased when the loan was sold to another company and no explanation was given. It 's impossible to call and get answers.
Product: Debt collection

Atlantic Recovery Solutions, a XXXX XXXX, has harassed my mother in law, my father, and my husband ... so far as of today,XXXX. Where is the privacy act, how did they get these numbers, and how can they legally keep harassing them? This IS Harassment~ I have had no items mailed to me, nor do I have ANY record of this company calling me on my home, or cell phone!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts ; US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} ), US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

about three years ago, in XX/XX/XXXX, XXXX XXXX XXXX sent me a bill saying i still owed them XXXX but i had paid it already and move away. a collections agency,. Enhanced Recovery Co L, started sending me stuff in XX/XX/XXXX, claiming i had just opened that account and defaulted. 
last year, XX/XX/XXXX, around XX/XX/XXXX or so, they dropped it, then resubmitted it this year on XX/XX/XXXX. so now it starts all over again. 
this is just XXXX. can they keep doing this? i do NOT owe this money.
Product: Debt collection

I just want to know if the this debt collection agency is legitimate, which is does not seem like it is through doing some research on the web. The company is called API and they are attempting to collect a debt from a Payday Loan I took out. They had correct information regarding the loan and the representative also had the last four digits of my social security number. But he told me that they were going to submit a judgement against me and go to my place of work and or home to serve me and in addition garnish my wages. He sounded so legitimate, but I 'm having my doubts since he was supposed to email me information which I never received and now doing my own research it seems the company does n't exist and I 've been scammed. From what I 've seen on the web, this company has been scamming individuals out of money. Can someone please contact me as I did give this person my debit card number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX  account numbers have violated my rights : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15. U.S.C 1681 section 2, also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting or other personal consumer reports

Accounts with XXXX  Information XXXX  information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have added >brackets< to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled. 
Account Name Account Number Balance Monthly Payment First Horizon This what shows on my credit report. First Horizon made a mistake and did not close the account when the balance had been paid in full in XX/XX/2023. I was not made aware of this until I checked my credit report in XXXX and found that they were charging me late fee for a XXXX balance. I had to pay an additional money to have the account closed which it should have been in XXXX. 

Additional, my First Horizon account shows XXXX balance since the balance was paid in XX/XX/2023. I never received a bill by mail, email, or via my on-line account to know there was any other fee to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$800.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX  XX/XX/2022
Product: Debt collection

Collection Agency : XXXX, XXXX XXXX XXXX, Alleged Balance : {$1300.00} Opened Date : XX/XX/XXXX I did not open said account as indicated. This account dates back to early XXXX and the balance is incorrect or excessive. 

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

For 5 years I have been disputing two accounts on my credit report from XXXX XXXX XXXX XXXX. In XXXX  I had a payment arrangement for a creditor set to draft their payment out of my bank account. I set up this payment arrangement with the intention of having the funds available on the day of the draft. Due to medical issues that made me unable to work I had to withdraw the funds to pay only our necessities which left my account empty by the time the creditor tried to draft the payment from my account. Since I knew I did not have overdraft protection on my account I assumed the transaction would just fail and me and the creditor would just work out another payment plan. Unfortunately, XXXX XXXX XXXX XXXX decided to do a " one time courtesy pay '' to the creditor on my behalf without my knowledge or consent. This caused my account to go into the negative and forced me to switch my direct deposit to another bank because I could not afford for them to take all that money back when I was paid the following month. I have gone into the bank, called the corporate office, disputed the charges and I still can not have this charge removed from my credit report even after they could not provide me with any documentation showing that i was aware the bank could make one time payments even if you dont have overdraft protection ( which i did not have overdraft protection ). They also could not provide my signed consent to this process. XXXX XXXX  may have assumed they were doing me a favor with this action but i have been living with the impact on my finances and credit report for 5 years now. Not only did they make this unauthorized payment on my behalf but instead of this being one account on my credit report they have split the balance of the payment and reported 2 accounts. One with a balance of {$410.00} and a second with a balance of {$64.00}. I was sure when I explained this to the credit bureaus they would find that XXXX XXXX  had no authorization from me allow this transaction to go through and remove the two negative accounts but every dispute comes back in favor of XXXX XXXX. I am asking one final time for proof that shows my knowledge and consent to this " courtesy payment '' practice from XXXX XXXX XXXX XXXX. If they can not provide proof I would like the 2 accounts removed from all of my credit reports and a payment for the amount on both accounts for the 5 years of damage to my credit due to their unauthorized assistance.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been reported on my credit file. I am requesting that these fraudulent accounts and inquiries be blocked and deleted from my credit report, pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Be Blocked and Deleted : 1. XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$450.00} 2. XXXXXXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$630.00} 3. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$580.00} 4. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$580.00} 5. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$630.00} 6. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$4600.00} 7. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$130.00} 8. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$12000.00} 9. XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1200.00} Fraudulent Inquiry to Be Blocked and Deleted : 1. XXXX  - Date : XX/XX/XXXX
Product: Debt collection

On XX/XX/2020 I performed a medical exam at the XXXX XXXX XXXX XXXX which is located at the XXXX XXXX XXXX XXXX in XXXX, PA. At the time I paid the full cost of the exam in the amount of US {$910.00}. After approximately a month I received a letter from the company XXXX Collections charging me again the amount I had already paid and I got in touch by phone and informed that the amount had already been paid at the time of the exam. A few months later I received a call from a company called Radius Global, saying that they would be responsible for charging the same debit. Again I informed that the value of the medical examination had been paid by me directly at the time of the examination and I was asked to send a copy of the receipt, which was done. However, on today 's date, when consulting my credit score, I found that the alleged debt is in my history, which makes my score low and brings me serious losses.
Product: Credit reporting, credit repair services, 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. 

CASE NO : # XXXX, XXXX XXXX XXXX XXXXXXXX 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 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

Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXXXXXX Balance Owed : {$8.00}.
Product: Checking or savings account

I had all my payments, 3 credit cards, and my phone payment on auto pay. I thought I was covered! No problem. I had no idea that my bank account itself could be accessed, and apparently it was. There were unacceptable and unaccountable charges on all of my credit cards, I called every single one of them over and over, I caught some of them, apparently I was unable to catch all of them. I always was under the impression that I safe at Bank of America, I could have been less correct in my entire life. Every Single Card on my Cell phone that I had in my bank account was accessed and used in such a way that it was impossible for me, I woman who worked in printing, and was paid to search for mistakes, to catch it. I am humbled by the depth of this deception. I truly need your help! Now, Bank of America itself will not allow me the owner of the account, access to the account, after, I, myself, pointed out that there was unusual activity on it. How do I pay rent in 2 weeks? How do I pay on the credit cards that are accessed, because accessed or not I am responsible for the payments.
Product: Credit card or prepaid card

I just received a notice in the mail ( XXXX-17 ) that my Chase credit card 's terms are changing. Specifically my interest rate is being increased from a moderate, but not entirely unreasonable ~10.9 % APR to 15.75 % APR. They did not provide what I consider to be a valid reason for the change. This was not based upon missing payments, nor upon credit history, or any other of what I would consider to be " reasonable '' justifications. 

Their sole justification effectively boiled down to " we 're not charging you a high enough interest rate, so we 're increasing your rate by ~50 %. '' In the more 'legalese ' verbiage of the notice, the only justification for this outrageous increase is " ... because your APRs are below the lowest APRs we currently offer on similar accounts. '' To me, this is simply them saying, " we 're not over-charging you to the same extent we 've managed to over-charge everyone else through our methodical long-term upward APR creep, so, we 're simply adding an extra 50 % to your APR, welcome to the club. '' Sure, they say that you can " reject the change, '' but if you do so, the only recourse listed is to " notify them in writing and then stop using and close the account. '' To me this is quite unacceptable. I 've had this account for years. Probably a decade even. They inherited it from Washington Mutual. And, up until now, they have never seemingly had a single problem with my account resting at 10 %, and taking their pound of flesh, so-to-speak. So, why, all of a sudden is a rate closer to what I would call a " penalty interest rate '' apparently the " lowest they 're willing to go ''? 

In my opinion, an un-telegraphed 50 % increase in APR, with no justification other than " we want more money, '' is simply nonsensical. 

And, for reference, my card at a competing " too big to fail '' institution is only 8.90 %, and has been equally stable for approximately a decade. Chase has always charged a higher rate with a lower spending cap than the equivalent larger cap and lower interest rate. Now, they seem intent to charge DOUBLE what I 'm paying at the other institution. To me that says, it 's not me that 's the problem, it 's them. Pure and simple.
Product: Credit reporting or other personal consumer reports

This Account was charged off on the following date XXXX XXXX YEAR OF FIRST CHARGE OFF. Since then the account has been repeatedly updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

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

Today XXXX XXXX XXXX I called XXXX XXXX sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from NY times wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. XXXX blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! XXXX clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.