23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I am writing to your agency in hopes someone can help me with this company. I am going to explain what happened : I got involved in an online business opportunity fraudulent scheme. After I paid one company all these fraudulent companies were calling me by This company called XXXX XXXX XXXX contacted me by phone on XXXX/XXXX/2016.  They were very pushy. It was supposed to be an at home business opportunity. They asked me to pay {$3000.00}. I told them I did not have it, they were very persuasive and did not take no as an answer, so they told me not a problem they could finance it, so I paid them {$500.00} and they were going to divide the remaining balance of {$2500.00} plus the APR+18,99 % and charge me a monthly fee of {$120.00} taken automatically from my account. I had second thoughts and canceled my services within the 3 day period. I am still trying to get my {$500.00} deposit from this company till this day. They wo n't answer my calls. Complete scam. I did some research on this company and all I found was bad reviews. They have a " F '' with BBB.So that 's when the company Special Financing Company LLC comes in to the picture. They still charging my checking account a monthly charge of {$120.00}. How can Special Financing Company LLC still charge my account and back up this fraudulent company? I did not receive any services, I canceled my services and I still being charged. I need your help and try to immediate it please. They are taking from my XXXX account every month. Thank you
Product: Consumer Loan

I feel that I was pressured into purchasing s vehicle aND extended warranty when I was at a very vulnerable state. I was involved in an automobile accident on XXXX/XXXX/XXXX while driving my boyfriend 's car. Immediately following the accident, I took his car to XXXX XXXX because I had a scheduled oil change appointment. While waiting, I was sold a XXXX Nissan Altima for around {$4000.00}. I was in a very distraught state after the accident, I suffer from a XXXX that causes me to make irrational decisions at times, and I was coerced into purchasing a 12 year old vehicle with a {$3000.00} warranty, and the vehicle was financed. I honestly was n't in a good state of mind but i believe that the sales and finance guys pressured me into signing the paperwork and I truly did n't realize what I was getting myself into. I was given an interest rate of XXXX % which was n't disclosed beforehand. Is it legal and ethical to finance a 12 year old car at 28 %? Additionally, the engine went out on the car within the first 10 days and they replaced finance it after initially refusing to cover it. The company did a welcome call and I disclosed that I needed to speak with a manager or someone in underwriting because I was n't in a state of mind to make the decision that i was about to make. I told them about the accident, i was out of work on XXXX, and I was not prepared to commit to the purchase. I was told they would have an underwriter call me back to discuss my options, but this never happened. In the mean time, I had a second accident on XXXX/XXXX/XXXX, which caused additional work loss, physical and mental limitations, and I was prescribed controlled substance to help with the pain. After contacting American Credit Acceptance again, I was told it was too late to make any changes as the contract was already in progress. Please let me know how I can get help with the illegal practices that the dealership and finance company took knowing my physical and mental health.
Product: Credit card or prepaid card

Case ID : XXXX with Citi dispute. 

Dear Sir / Madam, I am writing to dispute a charge of {$2700.00} to my Citi credit card account ending XXXX on XX/XX/XXXX. 
The charge was a different payment for the same charges because the initial charge was on an old Citi card ending XXXX that I used to purchase the ticket on XX/XX/XXXX. 
I purchased the initial ticket from XXXX XXXX on line directly on XX/XX/XXXX for an overseas trip scheduled on XX/XX/XXXX, XXXX.Months after I purchased the ticket Citi found suspicious activities so my Citi card ending XXXX was cancelled and a new card ending XXXX was issued. On the day of my trip when I arrived at XXXX counter the lady at the check-in desk refuse to honor the ticket because the new Citi card number did not match the card number I used to purchase the initial ticket. She re-charged my new credit card on XX/XX/XXXX in order to match the ticket with the credit card. She was supposed to refund initial amount to my credit card but that did not happen. 
I could not find any records that Citi credited my account with an amount of XXXX dollars for the bill I paid from the XX/XX/XXXX charge.. I was able to find my initial purchase statement on XX/XX/XXXX on line, as well as my hard cover statement. 

I wrote to Citi and exlpained in detail what had happened and mentioned that I was able to pull last year XX/XX/XXXX statement on line at Citi bank site when I logged into my account on XX/XX/XXXX. After my email to Citi the statement on line for the purchase was deleted and can not see it anymore but luckily I downloaded a copy to a spread sheet and I have the original hard copy statement. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement .Below are the credit card transaction I pulled from Citi bank account on line to prove my case. 
Initial charge : Cleared XXXX XXXX  XXXX : XXXX XXXX XXXX Initial Ticket Purchase on XX/XX/XXXX with old Ci # credit card ending XXXX XXXX  DEPART:XX/XX/XXXX XXXX TO XXXX  : DL : CLASS XXXX XXXX : STOP : O TO XXXX : DL : CLASS : Z : STOP : TO XXXX : DL : CLASS XXXX Z : STOP : X TO XXXX : DL : CLASS : XXXX : STOP : Another charge : Cleared XXXX XXXX XXXX FLNAME : XXXX XXXX DEPARTXXXX XXXX TO XXXX : DL : CLASS : Z : STOP : O TO XXXX  : DL : CLASS : Z : STOP : TO XXXX : DL : CLASS : Z : STOP : X TO XXXX : XXXX : CLASS : Z : STOP : X XXXXXXXX XXXX Second charge by XXXX XXXXn XX/XX/XXXX on the day of departure due to credit card change with new number ending XXXX.
Product: Student loan

To Whom It May Concern : I am writing to express my dissatisfaction with Navient, my student loan servicer. In 2005, I consolidated my student loans with a different company, agreeing to a 2.25 % interest rate for 25 years. However, a few years later, my loans were sold to Navient. Navient informed me that my interest rate had increased to 2.85 % and that my repayment period had been extended to XXXX. As a result, my monthly payments increased from {$220.00} to {$280.00}. 

I have been paying my student loans faithfully for many years, but my balance has not decreased significantly. In fact, it has actually increased from {$43000.00} to {$52000.00}. I believe that this is due to the high interest rates and the extended repayment period. 

I am also concerned about the way that Navient has handled my account during the COVID-19 pandemic. I was unable to work for almost a year due to an injury, and I requested a pause on my student loans. However, Navient told me that I was not eligible for pause, and they instead placed my account on a forbearance. during this time i was out of work for almost a year. then i found out they took money out of my bank account without informing me. As a result, I was still required to make monthly payments, even though I was not able to work. 



I am writing to you asking if Navient practice and legal and legit. Ii had other loan and mortgage in the past that change lender, but can they change the terms and payments plan legally without my permission. I also want to know what legal right do I have in regard to my circumstance. 



I would appreciate it if you would contact me as soon as possible to discuss this matter. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

bank of America is still reporting a balance and outstanding account opened and this account was to be closed and reflect a XXXX balance do to fraud and them not properly handling and closing the account and remaining to let it continue they are in violation of the credit regulations and rules and still are reporting this on my credit files which it should not be I would like this fully handled at once I have reached out on this for over a year now
Product: Debt collection

i was briefly employed by a XXXX company that is based out of XXXX and specializes in the third party consumer collection of subrogation debts across the country. Not only did it become obvious they were not properly licensed in the states they do business but their collection tactics were some of the most abusive and misleading I have EVER witnessed. I have been in the collection business for over twenty years. Disclosure of debts to third parties including texts and written emails, threats of drivers license suspension even when they know the debt does not qualify for that kind of action and open threats of lawsuit and wage garnishment. Just ask to see the collection records as it is all there, the texts, threats, emails, intimidation everything. there is no mini miranda or FDCP used even though they are a third party collecting debts against private individuals. When i complained they changed and reduced my hourly wage. I believe they feel that because some of the debtors were driving without insurance that nobody will care if they are misleading and abusive. Companies like this are the reason that many decent agencies are suffering from lawsuits.
Product: Credit card

My Apple Card had a fraudulent charge of {$1700.00} from XXXX XXXX XXXX on XX/XX/year>. I reported it to XXXX as soon I saw the charge and they gave me a temporary credit. In XX/XX/year> they reversed their temporary credit saying that the charge was valid. The charge was not valid and apple card is making me pay for a charge I did not make.
Product: Debt collection

On XX/XX/XXXX credit card ending in XXXX and one other was paid off in full then on XX/XX/XXXX new charges started showing up on this credit card. I sent XXXX XXXX a letter that I never reopened this credit card and this was ID Theft. Then in XXXX I started to get collection letters and phone calls trying to collect on this credit card first by Resurgent and at the same time by XXXX XXXX XXXX and LVNV Funding. I sent them the payoff letter and the ID Theft letter. All they sent back was a copy of an invoice that was XXXX years old and had an address on it that I had not lived at for XXXX years. I even requested from them under the FTC guild lines of ID Theft to provide the required information. They never did reply. I also asked them to remove this information on me from the credit report companies that they had reported this to, they refused. Then on XX/XX/XXXX LVNV Funding hired XXXX XXXX XXXX XXXX XXXXXXXX to file a claim in small claims court. Again I asked XXXX XXXX to provide the requested information under the FTC ID Theft guild lines. XXXX XXXX refused. We went back and forth in court paper work then in XXXX of XXXX LVNV Funding by XXXX XXXX request that this case in small claims to be Dismissed and the court did a dismissal order. Again I asked them to have this information on me removed from the credit report companies that this had been reported this to, they refused. The court requested the same information that I did and they could not provide it. This was a fraudulent law suit knowing that they had no proof to back up their case and this was ID Theft from the start. In XXXX XXXX, XXXX, XXXX XXXX and XXXX all had data breach. XXXXXXXX XXXX was the company that issued the credit cards for these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft affidavit Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having difficulties submitting my dispute by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : 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

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX XXXX Balance : {$30000.00}
Product: Student loan

I have  XXXX  private smart option loans with Navient. The interest rate on  XXXX  loans are 8.75 % and the other is 10.75 %. The 8.75 % loans are in the amount {$50000.00} total and th e 10.75 lo an is {$36000.00}. When I graduated college in the   XXXX   of  XXXX , I had trouble securing a job that could help me repay my loans. After 6 months of graduating, I started to receive back to back calls from  Navient who threatened me to pay back over {$900.00} a month on my loans. My co-signers, are my retired gr andmothers who live on a fixed so cial security income and can not help me. I 've tried to lower my payments various times, but Navient wi ll not lower the payment amount to a number I can afford to pay. In  XXXX   XXXX  I have finally started a new job with better pay and have communicated with Navient that I need time to catch up on my finances and have even paid deferment, but they are calling me every other hour from  XXXX  to  XXXX  threatening me to pay and outrages amount. There are no options for me to lower my payments every time I speak to a loan customer service representative  at Navient. Navient tactics are to threaten people and harass them to pay. This company does not factor in financial circumstances, income, or the job market.
Product: Checking or savings account

I opened this account online ... everything was fine until I mobile deposited a check, they froze my account the next day and they wont let me close my account unless I go into a branch in person which is very difficult for me as Im XXXX and live on ssi and I have no mode of transportation, not to mention every month td bank would send me a statement and just take {$1.00} every month from the checking account to pay for paper statement fee ive tried everything in my power to work things out with this bank but they would not close my account neither send me back my money I Believe this is unconstitutional!!
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX Investigation of an inaccurate item The account your company is reporting to the credit bureau is troubling. Because of this, Im requesting information about your procedures put in place to verify this charge-off account. I would like to see a detailed repossession deficiency transaction sale on this account. In addition, please show me the date that you claim that this account was charged - off. 
Im tracking all documents. 
I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANY FURTHER VIOLATIONS HAVE OCCURED. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ABOVE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS. 

PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE. 

THE ITEM IS NOT REPORTING 100 % ACCURATELY THE TERMS HAVE BEEN CHANGED FROM NO TERMS TO 72M TERMS. THE MONTH 'S RECEIVED HAVE BEEN ALTERED FROM 1 MONTH TO 2 MONTH 'S RECEIVED. THE BALANCE AMOUNT OF {$9600.00} AMOUNT PAST DUE {$9600.00} AND CHARGE-OFF AMOUNT {$9600.00}. THE NEW BALANCE AMOUNT IS {$9600.00} AND THE NEW PAST DUE IS HAS BEEN CHANGED TO {$9600.00} AND THE NEW CHARGE-OFF BALANCE WAS ALTERED TO $ XXXXAS WELL. THE ACTUAL PAYMENT AMOUNT WENT {$0.00} AND THE SCHEDULED PAYMENT AMOUNT WENT FROM {$0.00}. THE ACTUAL PAYMENT AMOUNT IS MISSING AS WELL AS THE SCHEDULED PAYMENT AMOUNT IS MISSING WHICH ONCE UPON TIME WAS {$0.00}. THE ACCOUNT HISTORY WITH STATUS CODES ARE INCORRECTLY REPORTING XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAYS LATE. AS THIS INFORMATION HAS BEEN ALTERED REAGED XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAY LATE, XX/XX/XXXX CHARGE-OFF STATUS. THIS BY FAR INVESTIGATION AND REVIEW WITH MY ATTORNEY HAS TRULY DISTURBED ME. THE HISTORICAL ACCOUNT INFORMATION EQUIFAX HAS REPORTING EVEN IS FRAUDULENTLY DECEIVING POTENTIAL LENDERS. 
Why did you do this? Do you know that you have just violated the FCRA, which carries a fine of {$1000.00} for each violation? Im sure your company wont be happy that your it has now opened themselves up to liability for such a small debt. Now, I will give you opportunity to fix this and make it all go away if you do the following : 1. Remove this illegal reporting from my credit report within 15 days from the moment you receive this complaint. 


If you choose to ignore my request, and keep the negative information on my report, I will continue to do the following : 1. File a complaint with the FTC. 
2. File a complaint with the attorney generals office.

3. File a complaint with the Better Business Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Experian are both reporting that I had an account with XXXX XXXX XXXX XXXX I never opened an account with them. According to the Fair Credit Reporting Act ( FCRA ) Section 1681e - Reasonable procedures to ensure accuracy : This section requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of consumer credit information they collect, maintain, and disseminate. This includes procedures to verify the accuracy of information reported by creditors, and to correct or delete inaccurate information. 
Section 1681i - Reinvestigations : This section gives consumers the right to dispute inaccurate or incomplete information in their credit reports. Credit reporting agencies must investigate any dispute and, if necessary, modify or delete inaccurate information. The agency must also notify the creditor or information furnisher who provided the disputed information about the dispute. 
XXXX XXXX XXXX Account XXXX XXXX Opened : XX/XX/21 Original Balance : {$520.00}
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting or other personal consumer reports

Chex systems has refused to provide access to their online portal. 

Their system keeps sending pins but will not reset a password. There is no way to log into this website. NONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of my credit report.
Product: Credit card

I am disputing the collection account with BANK OF AMERICA, account number XXXX, dated XX/XX/year>, with a balance of {$380.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that BANK OF AMERICA provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.