23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX/XXXX/XXXX I received a call from XXXX ( would not disclose last name ) of Professional Finance Corporation of XXXX, Colorado about a debt of {$33.00} from XXXX XXXX XXXX. They wanted payment made over the phone. I refused not knowing whom I was talking to. I asked for details and followed up with XXXX ( would not reveal last name ) from XXXX. The file number was XXXX. Upon review of the file XXXX informed me that my insurance company had not been billed by XXXX and he would do so. Not trusting the system I went to Professional Finance Corporation in XXXX Colorado on XXXX/XXXX/XXXX and made a payment of {$36.00}. The original claim date was XXXX/XXXX/XXXX. In speaking with XXXX ( would not reveal her last name ) from Professional Finance Corporation XXXX XXXX, Colorado I was told they had made two other phone calls and sent me a letter as well. I received no phone calls or letter. I asked for documentation and XXXX informed me that I could not have that information. I was later sent a letter stating that the debt had not been reported to any credit reporting agency. I will follow up within 90 days by reviewing my credit report as suggest by XXXX of Professional Finance Corporation as a sufficient time for them to make any corrections. I received a statement from my insurance company XXXX on XXXX/XXXX/XXXX showing they in fact had been billed and that my co-payment was {$2.00}. I have made several payments to XXXX XXXX XXXX between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and ws never informed I had an outstanding balance.
Product: Payday loan, title loan, personal loan, or advance loan

I called the company and spoke with someone about my loan was asked to speak to a supervisor about my account. why was I still paying them money after the had taken over XXXX XXXX dollars from me. The person on the phone said and its in the paperwork about high interest everyday I told the person I was able to look at paperwork from my phone and she continued to rush me to sign the paper. So I told my bank not to give them any more money. I said to the worker the only amount is paid back is what borrow and no other money.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXXTATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY Thank you for your help in this matter.
Product: Mortgage

We were trying to refinance our mortgage. So after talking with multiple lenders we decided to go with Citi Mortgage based on the GFE they provided which has {$5000.00} as lenders credit at 3.000 % interest rate. However, 20 days later when interest rates went up, I got another letter email saying that they recently received new information and sent me a new GFE which has lenders credit reduced to {$1000.00}. 

Now I ca n't even go for new mortgage shopping as the rates have gone up. If they would have mentioned the same before I committed to go with them, then at least I would have had an options of going with next best option.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report for the first time in years, i noticed that I have an abundance of unrecognized hard inquiries most prominatley in the form of, but not limited too ; " XXXX XXXX. The " Creditors '' are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not liable for these inquires and do not have a contract with XXXX  They have repeatedly failed to provide me with the original application as requested. per 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: Bank account or service

Before leaving for an extended stay in another country, I contacted Santander Bank to let them know that I would be in a certain city for 9 weeks and wanted to make sure that there would be no problem using my debit card at the Santander ATM in the city I would be staying in. They noted this on my account and assured me that there would be no problem. In XXXX 2016 ( mid-way through my stay ), Santander made a decision to de-activate my debit card as a new one, with a new chip, had been sent to my home and had been activated by the bank. I received no notice that the card I had with me would be de-activated. So, basically, Santander Bank is holding my funds hostage while I am in another country, unable to get the card that is sitting in a pile of mail at home. I have spoken with numerous representatives trying to get help and the answers have been the same ... so sorry ... .nothing we can do ... .the new cards were machine generated ... .the card you have with you can not be reactivated ( exp. date XX/XX/XXXX ) etc. I am trying to figure out a way to get cash. I can not believe that Santander activated a new card and deactivated the card I currently have with no notice or input from me. I thought it was up to the consumer to activate a new card. The fact that Santander is unwilling to even try to help me is unacceptable. I am sure that I am not the only consumer who has been left stranded without access to their funds while out of the country. How could this possible be legal???? Of course, I am closing my accounts with Santander upon my return home but I think more needs to be done to address this completely irresponsible decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 a account without my written instructions
Product: Student loan

On XX/XX/2023 I filed an application with Aidvantage on their website for the SAVE plan. Aside from a pop-up on the website, I never received confirmation of the application in email or letter. Further, even after submitting the application on Aidvantage, their dashboard still asks me to apply for an income-based repayment plan. To-date, XX/XX/2023 I still have not received confirmation of that application. 
I called Aidvantage on XXXX XXXX XXXX XXXX to confirm whether they had received my application. Both times I was told they had no record of it, but to wait and see. 
On XX/XX/2023, I filed a second application with studentaid.gov for the SAVE plan. I received email confirmation of my application the same day. On my studentaid.gov dashboard, I have confirmation that I applied for a SAVE plan with a repayment of {$500.00}. 
On XX/XX/2023, I received an email from Aidvantage confirming my application from StudentLoans.gov had arrived. The email stated that they received an electronic application for an " Income-Driven Repayment ( IDR ) '' plan. I don't know why Aidvantage had an IDR application or why it called Studentaid.gov " StudentLoans.gov ''. The body of the email indicated Studentaid.gov. 
On XX/XX/2023, I received an email from Aidvantage that my " IDR plan '' was approved for {$750.00}. I reviewed the document on Aidvantage 's website which also confirmed I was enrolled in the IDR plan. The same day, I called Aidvantage. I was on hold for about XXXX minutes before a customer service representative answered. The CSR indicated I had been processed erroneously for an IDR plan, that I was eligible for the SAVE plan, and the only option was for me to re-apply for the SAVE plan. She confirmed an estimated monthly payment of {$500.00}. She processed my now third application over the phone, and told me it would be 15 business days before it would be finalized. 
To be clear, on Studentaid.gov, my application states I applied for the SAVE repayment plan.

When I asked why my application was processed incorrectly, the CSR could not tell me. They had no information on my file about why it was processed incorrectly. She said it's usually a system issue.

This issue is still not resolved. My repayment allegedly restarts on XX/XX/2023.
Product: Debt collection

I was a victim of identy theft and this debt was opened in my name without them doing any proper research on job etc. They made no attempt to legally sell me a vehicle. Especially not having anything correct. I reached out about this debt filed a identity theft etc.. Then they keep reporting this as a current debt damaging my credit with this false report.
Product: Credit reporting or other personal consumer reports

TRANSUNION LLC. 

You Deleted the item from my report, and then you allowed the company to report it again which is a violation of the FCRA, to prevent legal action please promptly remove the item from my credit report as it was before the item was deleted and I have records of that including but not limited to the letters of communication sent to you that resulted in the deletion of that item from my credit report. 


The item is fraud and resulted from identity theft And was deleted due to those circumstances and the investigation proves that correct. You must delete the information promptly to avoid the penalties of violating the FCRA. 


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

I have sent out certified mail to XXXX and I also disputed multiple times online through XXXX to get a fraudulent closed account of my credit report by Capital One Bank I have sent in a police report a ftc and a fraud affidavit report showing that I have been a victim of identity fraud I have Frozen all three of my credit bureau accounts and placed a security freeze. XXXX and XXXX has removed the fraudulent account but XXXX is giving me a very hard time and the runaround Capital One Bank also The fraudulent account and debt that's on my credit report has a total of {$440.00} it was opened XX/XX/2019 and it was closed XX/XX/2019 I have contacted them multiple times to remove this account because it's not accurate and it shouldn't be there if I have the information to verify that my identity has been stolen it should be removed and it's giving me hard financial hardship to obtain loans Etc I don't know the specific dates i have to dig up receipts in my email thank you
Product: Student loan

my personal and financial information was compromised without my authorization the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharae my student loan debt in full.
Product: Debt collection

I never received written notification about this outstanding debt. Under section 605b of The Fair Credit Reporting Act ( FCRA ) both the credit reporting agencies ( CRA ) and the furnishers ( creditors, debt collectors, and other companies that reported that information ) are responsible for blocking that information from appearing on a victims credit reports. I am a victim of identity theft. 

XXXX. WF/FMG acct. # XXXX bal. {$6500.00}
Product: Credit card or prepaid card

I am a Chase bank customer more than 5 years. I opened checking account 6 years ago and always have around XXXX balance. My firs credit card was opened 5 years ago and balance always not more than 10 % of utilization. Second card I opened 8 month ago and this was my last recently opened account. Always using my cards and never had late payments and utilization max 10 % .I opened business credit card with them 2 weeks ago and didn't use it yet. 
Chase bank closed my accounts instantly with false explanation. They send me letter that reason is too many recent opened accounts which is false, because in this last 2 years I opened only 4 accounts and recently opened one was 8 month ago! 
Second reason was too many inquires which is also false. I have only 2 inquires on XXXX, 2 inquires on XXXX  and 5 on XXXX  in this 2 years. 
Attached will be copy of my bank statements and credit report screenshoot as a a proof of my letter. I feel discriminated because of my bad English. I have a good job, I have a very good credit and taking care of it very serious. I feel very disappointed and offended. 
Please help me result this situation
Product: Debt collection

I was told I owed money for an online payday loan that I never applied for nor had knowledge about
Product: Credit reporting or other personal consumer reports

XX/XX/year> I was made aware inquires and XXXX XXXX  account was fraudulently on my credit report. I was told to mail in correspondence, and I received a stall letter stating send a ID with social security card which I included in first letter to company. Still got no response. I am a victim of identity theft and I have been treated unfairly by the company when trying to resolve the issue.
Product: Checking or savings account

I reported multiple duplicate charges to Bank of America in early XX/XX/2023 and filed corresponding claims. The bank identified most of the charges as fraudulent but unexpectedly denied the three largest ones, despite consistent evidence provided for all claims. It appears unusual that the proof successful for smaller claims did not yield the same result for the larger ones. 

I'll provide screenshots as evidence. There are so many I can only provide a few.
Product: Money transfer, virtual currency, or money service

Back in 2018, I banked with Bank of America. I get a call to confirm a XXXX transaction for {$1700.00} ( my latest paycheck amount ). I started scrambling and say absolutely no this is not me. A day later, I see the money is gone. I call Bank of America looking to resolve this issue. They couldnt tell me who it went to and told me I should know who it was because it looks as if the transaction was made from my XXXX. I asked them why I would be calling if this was something I approved. I followed up with this for nearly a month and it became an issue of this just happens sometimes. I had reverse phone lookup and found out someone in XXXX  was the recipient of my money. They failed to protect me, and seeming failed to even try. I called everyday for nearly XXXX weeks- and every time would have to re-explain my case because they kept such minimal notes on file of what I had called and previously explained. I ended up switching to XXXX shortly after, and have not had problems since.
Product: Credit card or prepaid card

I received a disbursement from the XXXX XXXX on a " Netspend Disbursement Prepaid Mastercard issued by XXXX ''. 

Since this card has no way to withdraw a balance from it without fees, I chose to close the account, have them mail me a check, pay the {$10.00} fee. 

I called them on XXXX XXXX, 2021, and I spoke to an agent. I was told that the account was closed and that I should receive the check within 10 business days. 

I have not received any contact or check from Netspend since that time. I went to their online portal and my account is still open, and the funds have not been disbursed. I can not seem to get the company to release my money.
Product: Student loan

I have been trying for months to get in contact with Navient and the calls keep getting routed to a voicemail box to leave a message.  I have left messages and no one has returned my calls.  In XXXX, I called the "XXXX XXXX XXXX" number they provide on their website and was able to get in contact with a person.  I explained to her my dilemma and she looked up my "account".  She was able to tell me that my "account" has been deferred to a collection agency and I need to get in touch with them; this was all the information that she could provide on my "account".  She gave me their number and attempted to transfer the call but said no one was answering.  I have tried calling this collection agency over and over again and no one answers.  I am trying to resolve this account and no one is available to talk to.  Leaving me to believe that this loan may be fraud.  I am now requesting help in demanding information pertaining to the Original Loan Agreement I signed and the amount.  If they are unable to send this information, I demand this account be closed immediately as it is negatively affecting my credit.  It is unfair and harmful to attempt to collect a debt that cannot I cannot verify, negotiate and/or settle.
Product: Credit card

Comenity Bank took over my XXXX XXXX account in XX/XX/XXXX. I was told nothing would change. I received a letter from Comenity Bank on dated XX/XX/XXXXXXXX XXXX  stating that my 5.9 % fixed APR would be increased to 10 % as of XX/XX/XXXX XXXX That is almost double what my current rate is. I have had this card for over 20 years with the same 5.9 % fix rate. I have never been late with a payment or missed a payment. I pay more than the minimum and always before the due date. I have not asked for a credit increase. I have never broken any conditions in our contract therefore I do not believe that my APR should be increased. I contacted Comenity Bank 's Customer Service on XX/XX/XXXX. I was disconnected 4 times, transferred twice and given incorrect information on what my next steps were. I finally spoke with a supervisor named XXXX who told me that she could do nothing with APR increase and that I needed to send a letter to dispute my APR increase. I sent a certified letter on XX/XX/XXXX to dispute the increase. I received a letter from Comenity Bank on XX/XX/XXXX that was dated XX/XX/XXXX that thanked me for contacting them and that I should call XXXX as soon as possible to resolve my inquiry. I called the number on XX/XX/XXXX and it was Customer Service again. They told me again that they could not help me. I asked to speak to a Supervisor and spoke with a woman named XXXX. She listened and unfortunately said the same thing XXXX told me. XXXX recommended I sign into my account online to see if I can " speak '' or message a representative to discuss my APR. I tried but ended up on with virtual helper with no new leads. I can not find a human to speak to about this ridiculous increase on a fixed rate credit card that has now been changed to a variable interest for no reason and according to Comenity this increase will begin XX/XX/XXXX.
Product: Debt collection

I have requested that they provide me with documentation that this account belongs to me. Also I have not received proper notification prior to it going to collections. I provided my ID, Social Security, start date of current lease, attempts to login their system which I am in return rejected, and a dispute letter. They are attempting to utilize the information that I provided them with and change account information that I have no knowledge of and change the start of collections over with out notifications. I have disputed this with the credit burial and the debt collector. The credit burial have sent me my dispute results and it reads address in question is deleted and found not mineand the consumers concluded that the information they have is accurate. Impossible I cant login to their system with my personal information. The debt collector have received all required information from me and have not provided any information that this account belongs to me they have updated this account utilizing the information given by me to disclose Im not responsible and held me accountable which is unlawful and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a credit card account with XXXX  XXXX XXXX in spring 2019 with a XXXX  balance. Ive now discovered that its been reported to the credit bureaus as a charge-off for a {$19.00} balance. XXXX  XXXX XXXX never made an attempt to collect from me and I did not know a balance was due. I called them and was not offered an explanation for the {$19.00} balance or an opportunity to correct the situation.
Product: Debt collection

Was sued by a debt collector on behalf of Chase Bank. ( sale of portfolio is attached ) Debt is in someone else 's name - common due to the nature of chase record keeping - and also robo signing documents - I have judgement lien with XXXX different names. ( attached ) Garnished wages to the tune of XXXX dollars. Destroyed my credit report as well - Here in Kentucky the attorney general has the settlement with chase and monies paid ( it will be attached also ) My lawsuit is within the settlement time stated in the settlement with the state.