23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a billing statement from XXXX XXXX which I don't have account with them. I contact XXXX XXXX that I never open an account with them and they ensure me that it was taking care of. Few month later, I received a debt collecting letter from XXXX XXXX and phone call. I told them it was a fraud and someone use my name and the SSN # was different. They are very rude and threaten me that if I don't pay they will take me to court.
Product: Student loan

I am being billed by Nelnet and XXXX as well.I just had a ChapterXXXX discharged in XX/XX/2017. I think I am being double billed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax regarding 13 unauthorized hard inquiries I found on my report and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue. It has been well over 45 days and not 1 hard inquiry has been removed. They are not cooperating ad it's getting really frustrating because these hard inquiries are affecting me. The hard inquiries listed and all unauthorized.XXXX  XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX. THE XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft feees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

My mortgage was sold by United Wholesale to XXXX XXXX in XX/XX/XXXX. Since then both companies have withdrawn {$1500.00} from my account twice ; once on XXXX XXXX and again on XXXX XXXX. I have contacted United Wholesale MULTIPLE times to resolve this problem, they have repeatedly said they have no record of our mortgage and yet continue to withdraw money from our account. As a consumer, I have the right to not be caught in the crossfire of mortgage lending companies buying and selling my mortgage. Now I am being subject to overdraft fees because of four months worth of mortgage being withdrawn in two months. This can not go on.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting or other personal consumer reports

My car was stolen and my personal information has been used to get loans and credit. I filed the correct paperwork according to the FCRA and submitted it to the credit reporting agencies. Nothing has been submitted correctly and I do not have copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My two business partners and I took out an equity loan on our short-term rental home and all 3 people are financially responsible to pay back the loan. The lender is telling me that only the " first 2 '' people can access the account online and because I am listed 3rd on the account, I can not get online access to my account. I explained to them that it is not right that I would be financially responsible for this loan and unable to access the information about the loan or log-in to make online payments. All I want is online access to the account for all responsible parties that are required to pay down the loan.
Product: Credit reporting or other personal consumer reports

After Review of my credit report I noticed there is an account I do not recognize XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MD XXXX To WhXXXX XXXX XXXX XXXXcern : I received a copy of my credit report with the intention to trying to improve my credit and take care of mu reasonability and noticed an account I wanted a little more explanation on. I am just saying that I am not 100 percent sure if it is accurate. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you to you all. 

Are you familiar with something called 15 U.S.C.Sec. 1681i ( a )? I heard that if you can't provide proof. these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent correct. So, could you please check on these and get back with me? I saw on a credit site and board where this lawyer said you had 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or correct on them. 

Account : Account name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Number : XXXX Please investigate, if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

requested XXXX close XXXX XXXX XXXX, great effort required due to telephone conversations and language challenges, XXXX XXXX XXXX did not follow through closing the account because it was attached to an XXXX XXXX account or something like this, the reason they did not follow through is unclear, an additional charge was placed on the account afterward. The account was still open and we had to call again to close the account, again with great effort and insistence.
Product: Debt collection

Company is reporting on a ll  XXXX   credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail
Product: Checking or savings account

I need to travel from XXXX XXXX to XXXX  in order to try to recover a safe deposit box from my great grandfather that was deposited a safe security box in XXXX XXXX XXXX around 1920, boxes that sometime after were acquired by XXXX ( XXXX XXXX XXXX  ). 
I would like to be sure regarding in which Branch of New York area of XXXX is the Box in order to go directly and assure the existence of the box, in order my travel be profitability, I have been writing repeatability to the safe deposit boxes area of XXXX but unfortunately I did not receive any response, I am attaching these communications, so I am asking for your help in order to obtain the name of the Branch where are the box that my Great grandfather lend us in the last Century. 
According with the control of those years ( around 1920 ) the banks had different controls and I have the proves agreed between XXXX XXXX XXXX and XXXX XXXX cited in the instructions to collect the things lend in this safe security box, below I am citing some of the background regarding this saved things. 

Hereby I give you my broad power of attorney, and quite fulfilled, for me and to act in my name, to collect from the person in charge Mr. XXXX XXXX, the Ranch of my property called XXXX XXXX, located at XXXX, Texas, also collect a house and 4 vacant lots, located in front of XXXX XXXX Hotel from the town of XXXX XXXX, XXXX, that have been rented that house and vacant lots to the American citizen Mr. XXXX , with its corresponding furnitures. Collect from the XXXX XXXX XXXX, property titles of both properties. This delivering of documents will be made by the Bank at the moment of exhibition of this proxy attached with 3 photographs of me and the Ranch. 
And also to answer the claims and counterclaims against my behalf, opposes delaying and preventory exceptions, present all kind of proves, certificate signatures and documents, oppose to argues as false to those be presented as contrary, present witnesses, see protest to the contrary, ask and cross out, structure and solve positions, recuse higher or lower Attorneys for cause or under penalty of Law, hear interlocutory and final sentence, consent of the favorable and ask for revocation for otherwise empire, appeal, supplicate or interpose resource of cassation of the rivals, ask for clarification of sentences, execute, impound and represent me in the impounds declared against my person, ask for the auction of the assets seized, design proficient and recuse to the opposite part, attend to the auctions, develop this trial, receive securities and lend receipts and credit letters, submit the present trial to the judgment of the Judges, and also, to promote all kind of sues or plaint with the aim to favor my rights, endorsing since now all what you do regarding this issue.
Product: Mortgage

I have submitted XXXX and XXXX 2018 payments via the webpage where it states when the next month of the payment is due. 

They have taken my XXXX payment and applied it to principal instead of XXXX   2018 mort. payment That is not what I wanted or what was indicated on the webpage. They are demaning another payment for XXXX which I can not pay. 

The company refuses to acknowledge this misappropriation. 
Todays date is XXXX XX/XX/2018 Mr cooper mortgage company XXXX Loan # XXXX
Product: Money transfer, virtual currency, or money service

I was scammed by on online business. I used XXXX and I called my bank for help recovering or trace the money but they said they cant help I dont know what else to do. I already reported the scam. The scam happened on XX/XX/2021 I was requested to pay via XXXX to 2 different accounts I paid {$250.00} to XXXX XXXX ( XXXX ) XXXX and {$400.00} XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/, I used my Capital One credit card to purchase flights from the XXXX website. Later that same day, I called XXXX to modify my reservations and was advised that this would cause additional fees. I told the agent to cancel my reservations and was place on hold. Capital One apparently suspected fraud and utilized its Account Validation system to prevent XXXX from proceeding to charge without my permission. It worked. I hung up from holding with XXXX and called Capital One. The Capital One agent advised that the charges could not yet be disputed as they were still pending but unfroze my card and said these charges would all be considered disputed once processed. 

Subsequently, both XXXX and I submitted documentation to Capital One. Although initially agreeing with me that these charges were unauthorized, Capital One has now reinstated all disputed charges. 

XXXX has now falsely claimed that I agreed to settle this dispute. Despite my demand, Capital One has not provided any evidence ( since there can not be any ). 

Capital One has not formally acknowledged any of my responses disputing these charges. Its messaging web page is used only to memorialize communications favorable to the Bank.
Product: Credit card

American Express sent me a XXXX card that I had never applied for. 
Someone fraudulently applied for the card and they approved it without my permission. They need to be reprimanded and fined for their fraudulent practices.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I filed a dispute with mainly XXXX  and XXXX XXXX disputing the student loan listed on my credit report. Originally, it was listed as Sallie Mae, then Sallie Mae was changed to Navient. Navient can not prove that I owe this money and I never took out a student loan with Navient. I therefore requested it be removed from my credit report. If they had been able to prove it, they would have taken me to court, which they havent. They have listed these loans as in default and are negatively affecting my credit rating. Im asking that mainly XXXX be investigated for fraudulently listing this on my credit report despite it all being heresay. 
Thank you
Product: Money transfer, virtual currency, or money service

IRS Phone scam. Victim was told police would be coming to her house, she got scared and followed instructions to send {$500.00} via Western Union to XXXX.I have yet to contact Western Union.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the ac
curacy and completeness of your reported claim ( s ).

Your organization is in breach!

According to 15 U.S.C 1681 section 602 A, it stipulates my entitlement to privacy.

Referring to 15 U.S.C 1681 Section 604 A Section 2, it prohibits a consumer reporting agency from providing an account without my written consent. 
Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section specifies that a consumer reporting agency can not include certain adverse information in a consumer report, except for convictions of crimes dating back more than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits the provision of inaccurate consumer information to any consumer reporting agency, if known or suspected to be inaccurate. 

Listed below are the Accounts that are being challenged XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I discovered I could not access my PayPal account due to an error stating my information was incorrect. I promptly reviewed my email and found a notification from PayPal dated XX/XX/year>, alerting me that an unauthorized email address ( XXXX ) had been added to my account, followed by an unauthorized transfer of {$390.00} to an unknown recipient, XXXX XXXX. Upon contacting PayPal Support, I was informed my account had been compromised on XX/XX/year>, with the attacker altering my password, security questions, email address, and adding two fraudulent phone numbers ( ending in XXXX and XXXX ). With the Help of PayPal support team, I was able to recover my Account, but I could not recover my funds. I have to pay my XXXX expenses. So please contact the PayPal team and review my Case ( Case ID : XXXX ) that I filed in PayPal and help me to get my funds back in my PayPal Account. 

My PayPal Account Details : To assist in your investigation, here is my account information : Name : XXXX XXXX XXXX Email : XXXX Original Phone Number : ( XXXX ) XXXX Last 4 Digits of SSN : XXXX Last 4 Digits of Linked Bank Account : XXXX Case ID : XXXX Please contact the PayPal Team and help me to get my Funds Back. Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

XXXX  put a collection account on my my credit report that dont belong to me.
Product: Student loan

On XX/XX/XXXX I was contacted by a XXXX XXXX from XXXX XXXX  XXXX also known as Premier Student Loan Center, regarding my annual for the Federal Student Loan forgiveness program, XXXX requested 2 of my most recent paycheck stubs in order to process my renewal. I gave these to him. 

He confirmed he received them on XX/XX/XXXX. 

On XX/XX/XXXX I received an email from XXXX Department of Education Loan Servicing stating that my request was received. 

On XX/XX/XXXX I received another email from XXXX stating that my request was reviewed and approved, I received another email from XXXX stating that there were forms in my XXXX inbox that needed to be reviewed. I logged into my XXXX account to review said forms, while logged in I decided to take a look at my account summary and see how much my new payment amount would be and how much I have paid down since my last renewal. To my surprise, it showed that I have never made a payment. This was very alarming to me since {$30.00} is deducted out of my checking account every month. 

I called XXXX on XX/XX/XXXX to see what was going on. The rep that I spoke with stated they have in fact never received a payment from me as I have qualified for the {$0.00} monthly loan amount with my last few renewals. The Rep and I took a look into it and found that the company ( XXXX XXXX XXXX also known as Premier Student Loan Center ) was reporting my information to XXXX incorrectly, increasing my number of dependents to put me in a different payment bracket. The Rep at XXXX was very helpful. 

After my conversation with XXXX, I went back and took a look at all of my email correspondence with XXXX XXXX XXXX also known as Premier Student Loan Center and found a contract from XX/XX/XXXX. The company has been charging me {$30.00} a month plus additional start up fees, to submit my renewal to XXXX, they have been reporting the information to XXXX incorrectly and could potentially damage my credit with the program as well as my credit future. 

The contract with XXXX XXXX  XXXX also known as Premier Student Loan Center was never explained in such a way and has now cost me {$1400.00} in fees of which I thought were going toward my student loans. I am concerned that I am not the only one with the issue and being on the limited budget that I am, this is very concerning to me.
Product: Credit reporting

ALL CREDIT AGENCIES LISTED FRAUD/ UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW CREDIT FILE ... REMOVE ALL FROM FILE ASAP