23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out a student loan in 2007. 

I asked Zuntafi to produce all contracts, terms, and conditions associated with my student loan, which they continue to sell off to many new entities. Today, I received yet another email saying they sold my loan. Despite this, I have not been given my loan agreement, and all terms, contracts, and conditions for my student loan. I've asked NUMEROUS times in writing to be given such information. Finally, I was given an illegible blurred copy with many writings all over loan terms, just as if the company was INTENTIONALLY trying to prevent me from reading the terms. They also have been circumventing my requests like after I asked for a copy they just send basic forms I filled in to sign to get the loan, but they won't send me all terms and conditions associated with this loan. 

Over time, the XXXX XXXX, Zuntafi, has continuously appeared to make up new and more rules or changes to my loan without my knowledge, without my consent, and while refusing to cooperate in my right and request to be given my full terms and conditions of my loan. 

Their staff has been rude, belittled me, and been uncooperative at giving me the basic knowledge and information about my loans. 

The student loan company, Zuntafi, stated I exhausted all forbearance available for my loan and that they only offer it twice. But they refuse to produce any records of any kind, including my contract stipulating such. They continue to make up and change all aspects without my knowledge or consent associated with my loan. Based on the information I did receive in a barely illegible document, the company has made up terms and conditions that are beyond what's in the contract. I believe their practices break consumer protection laws. 

Despite online materials on their website saying they offer a cosigner release, they are also falsely advertising that they offer that cosigner release. When I went to take advantage of that recently, they refused to honor it despite their website saying their company offers such. There's no part of their site that says loans are excluded. 

Based on their lack of cooperation, refusing to produce or ignoring my request to produce all contracts, terms and agreements associated with my loan, and making up new terms and conditions even contradicting their website, I believe this company is breaking consumer and student loan related protection laws and fraudulently deceiving me and others that enter into loans with them.
Product: Debt collection

These companies have been hindering my credit reporting accounts and making numerous changes to my credit now bureau have my credit all jacked up I sent out disputes numerous times trying to stop them from harassing me. Making false representations and they just report all types wrong information with no paper work or validation Under Fair Credit report act section 609 Under fdcpa 15USC XXXX Awa collexti org creditor XXXX XXXX  XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX?? {$630.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX Please delete these accounts from my credit as I read that's what they law says or Ill have to contact some lawyers wity ftc report stuff then I have one company they sent me letters saying it will be off it's a new years and the stuff is still on
Product: Debt collection

DESIGNED RECEIVABLE SO Original creditor : XXXX XXXX XXXX Account number XXXX  Date opened : XX/XX/year> They have not provided debt validation
Product: Checking or savings account

I reached out to Venmo on XX/XX/XXXX to dispute a charge. My account was frozen and has been since then. I received my disputed funds back to the account on XX/XX/XXXX, which is the same day that instructions were messaged to me about unfreezing my account. 

On XX/XX/XXXX, I uploaded the necessary documents and completed the requested password change. Since then, my account has been frozen despite me reaching out on three occasions to unfreeze the account. I am simply told that the specialist is behind, and today XX/XX/XXXX, I was actually told that it would be up to 10 days for the specialist to unfreeze my account. This is unacceptable, as Venmo ought to have enough staff to fulfill their statement of a turnaround of 2-3 business days. 

Today I was told that a note was put on my account to try and expedite the unfreezing process, but I was told that if I do not receive a notice about my account being unfrozen by XX/XX/XXXX, then to reach out to Venmo again. I don't think this is appropriate, as it is day 9 of the 10 day turnaround, and there is still no guarantee my account will be unfrozen by then.
Product: Credit card

Hello, I am so upset about this, and I do n't know how to fix it. A company called Synchrony Bank took over many of my credit card accounts, and has gone though and XXXX by XXXX lowered my credit limits to the exact dollar amount I owe on each acct, making it appear as though I 've maxed my account and completely ruining my credit score. This is VERY unfair. They should have to make a note on the credit file that they lowered the limit, so that creditors do n't see me as maxing out accounts. There should also be a way that this does not affect your credit score the same way. How can this be allowed? VERY very unfair. I understand they have the right to lower the limits, but to have it look as though I maxed out these accounts has a huge effect on my credit score. Is there anything I can do about this? I really need some help here. TY - XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX and XXXX, Navy federal credit union charged two insufficient funds fee of {$29.00} each. when I review my account the funds were available, also my paycheck was pending to be deposited. Doing this pandemic Im the only one in my household that still has a job and it is very difficult to stay up-to-date with my accounts and pay my bills. Every dollar counts during this pandemic and the Credit union is not willing to help me
Product: Debt collection

XX/XX/year> [ Chrysler capital ] [ XXXX XXXX XXXX ] [ XXXX XXXXXXXX XXXX XXXXXXXX ] ( XXXX ) XXXX Subject : Dispute of Inaccurate Reporting under 15 U.S.C. 1681 Dear [ XXXXhrysler capital XXXX XXXX I, XXXX XXXX am writing to formally dispute inaccuracies and unauthorized information reported on my credit file. Pursuant to 15 U.S.C. 1681b, the Fair Credit Reporting Act ( FCRA ) explicitly outlines that a consumer reporting agency may only furnish a consumer report under certain permissible purposes and with the consent of the consumer. 

Chrysler capital has inaccurately reported several things on my credit report. 
first and foremost, it doesnt even report to XXXX XXXX my report, just XXXX and XXXX . 
The last reporting dates do not match, The Dates of last active do not match and the last payment dates do not match. 

Specifically, under 15 U.S.C. 1681b, a consumer report may only be obtained or shared if : 1. There is a permissible purpose, such as the extension of credit, insurance underwriting, or employment. 
2. The consumer has provided explicit, written consent where required.

Upon review of the information reported, I have determined that not only is there inaccuracies it was reported without my written consent, violating the provisions of 15 U.S.C. 1681b. Additionally, this unauthorized reporting constitutes a form of identity theft and/or false reporting, as it misrepresents my financial history without legal authorization or factual basis. this account has been put in a collection/charge off status and by law I was supposed to be provided a 1099C for IRS and tax purposes By reporting this information [ XXXX/Chrysler capital ] has violated my rights under the FCRA. Therefore, I demand that this information be : removed 1. Investigated immediately in accordance with your obligations under the FCRA, and 2. Removed from my credit report promptly, as its inclusion is unlawful and causes harm to my credit standing. 

This letter serves as my formal dispute. I request written confirmation that the disputed information has been removed, along with a copy of my updated credit report. Should the issue remain unresolved, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal remedies to protect my rights. 

Please find enclosed copies of my relevant supporting documents to assist with your investigation. 

I look forward to your prompt response, as required under the FCRA. You may contact me at [ XXXX XXXX XXXX  ] or [ XXXX XXXX XXXX ] should you need further clarification. 

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

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Mortgage

We were notified effective XX/XX/XXXX that our loan would transition to Newrez LLC dba Shellpoint Mortgage Servicing from Specialized Loan Servicing ( SLS ). On XX/XX/XXXX a statement was generated stating our escrow account had a shortage of {$5900.00}. On this analysis it is clearly shown that they are projecting double taxes. We reached out to Shellpoint to point out the clerical error due to double taxes. 

In XXXX we were notified that our regular payment would increase 32 % from {$2900.00} to {$4300.00}. When we called they stated this raise was due to an escrow reanalysis and shortage. We pointed out the new escrow account would end up at XXXX XXXX/year to cover our taxes XXXX XXXX/year XXXX and insurance XXXX XXXX XXXX. The new amount is more than double what it is needing to cover. On XX/XX/XXXX I submitted a request for escrow re-analysis. On XX/XX/XXXX my business partner ( BP ) called and spoke with XXXX who added a note to the account that we should pay the old {$2900.00} amount by XX/XX/XXXX. This payment was made XX/XX/XXXX but marked as unapplied. 

On XX/XX/XXXX my BP spoke to XXXX who informed us she would apply the XX/XX/XXXX payment ; this did not happen. 

On XXXX my BP spoke to XXXX who asked for the tax bill she also informed us the re-analysis was complete and the new amount would be {$3000.00} starting in XXXX. 

On XXXX my BP called again the customer service agent hung up after 20 minutes. Following this I called and spoke to XXXX XXXX XXXX XXXX She informed me she could not apply the payment as it was below the contractual amount of {$5600.00}. The additional increase ( again escrow ) is noted on the XXXX statement dated XX/XX/XXXX after the re-analysis on XX/XX/XXXX however we were not notified that another increase was coming it was simply added to the statement and online portal. 

In regards to our payments, we paid {$2900.00} on XX/XX/XXXX, {$4400.00} on XX/XX/XXXX and XXXX on XX/XX/XXXX. Despite these payments Shellpoint refuses to apply them and has reported us for late payment to impact our credit report.

To date Shellpoint refuses to adjust the amount due, has reported us for late payment and stated the only resolution is to pay them the additional {$6400.00} that can not be refunded for 12 months. We've called and used their internal messaging to attempt a resolution for months. The company refuses to escalate the issue and has reported us for late payment and warned us of foreclosure in what I believe is an attempt to force us to pay the additional money.
Product: Debt collection

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed under XXXX XXXX  and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing the credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe that the creditor has authorization to access the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX XXXX 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 are consumer reporting act can not furnish account, without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which grant me the right to request the removal of fraudulent or unauthorized information resulting from a data breach. 
The following accounts have been compromised due to the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6000.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My wife and I purchased a home in XX/XX/2017 using a VA loan ( we are both former XXXX XXXX XXXX ) through XXXX XXXX XXXX. At some point, the mortgage was sold by XXXX to XXXX XXXX XXXX. As per our agreement with XXXX, we payed into an escrow account every month, and from that, the mortgage company payed down our primary on the loan, the taxes on the property, and the Homeowner 's Insurance with our chosen insurance provider, USAA. In XXXX, we were contacted by USAA, who informed us that we were behind on our insurance payments. We were confused, seeing as how it all comes out of the escrow account. My wife contacted XXXX several times to resolve the issue. In order to ensure coverage with USAA, my wife made a direct payment to USAA of {$340.00} on XX/XX/XXXX. She was contacted again in XXXX by USAA, who said that we were again behind. She tried to resolve the situation with XXXX for months, and in XXXX she finally got everything squared away, and XXXX told her that they would send a check to USAA. On XX/XX/XXXX we got a letter from USAA in regard to a refund check that they had sent to XXXX. Apparently, XXXX sent the payment late, as USAA said that they did not receive a payment from them until XX/XX/XXXX. By the time it got to USAA, the account was closed. Since the account was closed, they sent the check to XXXX, since they thought that XXXX was still the Mortgage holder. XXXX then sent the check back to USAA, since they no longer had the account. When USAA got the check back, they forwarded us the message from XXXX, which prompted my wife to call USAA for clarification. USAA then informed her that our policy was canceled due to nonpayment. Unbeknownst to us, we hadn't had homeowner 's insurance for almost a month! To remedy this, we payed the balance of {$640.00} to USAA, and requested to renew the policy. We were informed that since the policy was canceled, our monthly rate would now be {$270.00} per month, when it was {$180.00} per month before.
Product: Payday loan, title loan, or personal loan

I obtained a loan through Synchrony bank to purchase a XXXX indoor bike. XXXX has since then cut ties with XXXX, but shows account as closed with open balance on my credit report. This represents a hit to my personal credit history which is currently recovering from a recent bankruptcy. Neither XXXX nor synchrony seems to take into account the damage this may cause to customers. Its unfair!
Product: Bank account or service

I had a chase checking account for more than XXXX years ( Account # : XXXX ). I got it activated again by visiting their branch in XXXX ( XXXX ). I submitted all the documents and signed the required SSN declaration too. To my surprise my account was closed without any notice and without any explanation. I had given my account details for my paycheck and now I 'm left without an account and denied of banking service. I 'm not sure why my account was closed and was it due to any kind of discrimination due to my first name. My contact details were intact and I even received account statement from chase in my postbox, which means my contacts are intact. I did n't receive any communication either via post/ email / sms from Bank regarding my account closure. I discovered my card didnt work and when I contacted customer support I was told it was closed.
Product: Credit reporting or other personal consumer reports

It appears that my 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 which is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX