23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX XXXX XXXX XXXX. 
I defaulted on the card because of XXXX change in policy that I could not afford to keep up with and mounting medical debt. 
It was sent to collections and XXXX LLP have harassed me and made false statements. 
Legal aid helped me find court documents with falsehoods and service papers. 
I am on Social Security XXXX and can not make payment. 
The dates on the papers sent to me by them with Supreme Court of XXXX headings seem not to be legitimate listing multiple addresses. 
I was never served by anyone with the papers. 
I received a letter dated XXXX XXXX, 2015 referring to a complaint dated XXXX XXXX in which I was given 20 days to respond to. Obviously this voided my opportunity to respond. 
The rest of the documents legal aid found online. I had no knowledge of these. 
The affidavit of Service from XXXX XXXX is also false, I was never served, this document was also found on line by legal aid. 
The dates are all untimely and impossible to meet. This is all done in an attempt to scare me into paying them. 
This is to include phone calls and claiming to have served me.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous XXXX XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX XXXX Employers : XXXXXXXX XXXX XXXX Employers XXXX XXXXXXXX XXXX XXXX XXXX
Product: Student loan

In 2007 I graduated from the University of XXXX. On XXXX XXXX, 2007 I refinanced my student loans on a 20 year fixed rate loan with a monthly payment of {$240.00}. Over the years I have made minimum payments religiously, in some instances I paid more than the minimum payment. The loan has been sold several times, the current institution is Navient. I received a letter from Navient telling me in 60 days they are changing the terms of my loan and are basing that change on time remaining in repayment, outstanding balance, interest rate, past delinquency and/or late payments, resumption of standard repayment after a period of reduced payments, other account activity that may have affected the repayment schedule. None of these factors apply, my loan is a fixed rate loan with a specific time period so how could my time or % rate have changed? I have not been late, nor asked for a reduced payment. My question is, " is it legal for Navient to just change the terms of my fixed rate loan? ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX/XXXX  XXXX ; XXXXXXXX XXXX XXXX/XXXX XXXX ; XXXX XXXX
Product: Credit card

XX/XX/XXXX charge credit card {$1700.00} call credit company explain just found now ex-room mate made charge while out town without my permission they told me call company charge made to XXXX online charge call them lady said talk to her boss see refund charges back to me XXXX refund me {$1400.00} call td bank credit card company when got statement told them that did not refund whole amount so they XXXX all XXXX of us talking on phone charge {$250.00} for shipping well online store have free shipping lady said be too much lost of amount told lady was not aware of charges file police report this not right merchandise that was order never came to my residential such big item exercise equipment that item had set up day/time for XXXX to delivery never delivery send back to XXXX lady from company said call me back 3 days she never call me back again wait 5 days call TD credit card saying never call me back file dispute against have copy police report with case number sign paper work should get 10 working days NEVER received paper work again call TD bank told never got paper work that this time send paper again attack copy police report fill paper will be case number i been dealing with TD BANK from XX/XX/XXXX-XX/XX/XXXX they are not good credit card company this disputes was handle very poorly NOW final got letter saying case is close more than 60DAYS this going on and on since XX/XX/XXXX-XX/XX/XXXX how can this dispute be close on top this letter sent me was wrong amount that was dispute letter amount {$1700.00} that should be {$250.00} and still make payments on dispute charge of {$250.00} that all own them anyway not going use this card until remove and credit money own me if professional when call about this amount in XXXX should been removed from my bill when ask dispute lady dispute amount appear statement she told me it up to me if send in monthly payments of dispute amount good thing did because they did not know what they are doing my credit will be ruin messing with TD BANK dispute amount should been remove until been resolve lastly call TD BANK ON FRIDAY XX/XX/XXXX ask them what can be done they suggest calling XXXX again put me on hold lady could not find there telephone number than want me write letter to TD BANK to reopen my case XXXX since too longer than 60days explain that was not my fault this case start in XX/XX/XXXX -XX/XX/XXXX something should been done and finish i was in right time frame when file dispute not my fault that TD BANK dispute department fell there commitment handle within 60 days item was charge on credit card without my permission on XX/XX/XXXX for {$1700.00} the credit back {$1400.00} not shipping charges like said was not ship to my home merchandise at XXXX location waiting for day/time be delivery never delivery still paying on this dispute from XX/XX/XXXX UNTIL NOW THIS IS XX/XX/XXXX.
Product: Checking or savings account

Good Morning, I am deeply alarmed by this sequence of events. 

I notice on XX/XX/2021 that {$37.00} dollars has been adjusted off my checking account/ spend account. 

I have you call me - the first agent puts me on hold and disconnects. 

I have you call me again - the next agent states her and her supervisor only see adjustment of {$37.00} and escalate and I should have an email in 2 hours about resolution - no email comes I go to login to chime on XX/XX/2021 and it says my account has been closed- you owe me all my money that is in the account if you plan to close it and a justification. 

Luckily I took screen shots of my account before you closed it and did the math - my checking/spend account had {$37.00} you adjusted off on XX/XX/2021 without reason or notice - the savings has {$17.00} - so I expect a total of {$54.00} to be sent to my linked bank account at XXXX XXXX ASAP or paid to me via check - you are not allowed to take my money without notice and justification. 

You also cant say I have been active as I have logged in to use spot me boost multiple months. 

This behavior is unacceptable and a violation of federal banking laws and state banking laws XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX TXXXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX  Date opened : XX/XX/2021 Balance : {$4100.00} ; XXXX XXXX XXXXXXXX Date opened : XX/XX/2021 Balance : {$520.00} ; XXXX XXXX XXXX ( Original creditor : XXXX  ) Balance : {$620.00} ; XXXX XXXX Opened : XXXXXXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021.
Product: Mortgage

Hello, I have been working in the financial sector for over 10 years. I am writing to file a formal complaint against Freedom Mortgage regarding their handling of my mortgage loan and to request that the Consumer Financial Protection Bureau take action and impose a fine on them for their inadequate service. 

I purchased my home in XX/XX/year> and subsequently invested approximately {$150000.00} in substantial improvements, including finishing the basement, adding a new bedroom and bathroom, installing a full kitchen, creating a walkout basement, and upgrading drywall and flooring. Given these enhancements, I contacted Freedom Mortgage to request the cancellation of my Private Mortgage Insurance ( PMI ). 

Freedom Mortgage employed a valuation company with no valid web presence, and their report contained numerous inaccuracies. While XXXX and XXXX estimate my home 's value at around {$770000.00}, the valuation company reported it as {$720000.00}. This suggests that my {$150000.00} investment inexplicably decreased my home 's value by {$45000.00}. 

When I reached out to the valuation company to address these inaccuracies, they could not answer my basic questions. I then contacted Freedom Mortgage to request a revaluation. They assured me they would consult investors and respond within 15 days. However, after XXXX months and multiple follow-ups, I discovered they had forgotten about my request and asked me to resubmit a new PMI cancellation form. Despite my efforts, I never received a response. 

Freedom Mortgage offers only two ways to contact them : phone and their website messaging system. Despite numerous calls and messages, I received delayed, automated responses that did not address my concerns. I have repeatedly asked them to read my requests carefully and respond appropriately, but they continue to send automated replies. 

It has been over six months, and Freedom Mortgage continues to collect improper PMI payments without taking corrective action. I request a full refund of all PMI payments made since the incorrect valuation report. 

I urge the Consumer Financial Protection Bureau to take immediate action against Freedom Mortgage and impose a fine for their failure to provide adequate service and for improperly collecting PMI payments. 

Sincerely, XXXX XXXX
Product: Mortgage

I owe XXXX by XX/XX/XXXX I'm coming off of forbearance I was denied modification and putting the amount owed at end of loan i ask for additional 2 months because I'm in list for mortgage assistance program and I will hear from them soon
Product: Vehicle loan or lease

I am writing to file a complaint against XXXX XXXX XXXX regarding a civil notice I received on XX/XX/2024 claiming an outstanding amount of {$7700.00}. I am deeply concerned about several discrepancies and the lack of information provided to verify the validity of this account. Upon reviewing the notice, I observed inconsistencies that raise doubts about the accuracy of the claimed debt. XXXX XXXX XXXX has failed to provide sufficient details and documentation to allow me to verify and validate the legitimacy of the debt, violating my rights as a consumer. 

I am specifically troubled by the following issues : XXXX. **Lack of Information : ** The notice fails to provide comprehensive information about the nature of the debt, including the origin, date of the alleged transaction, and a breakdown of charges. Without this crucial information, I am unable to verify the accuracy of the claim. 

XXXX. **Discrepancies in Amount : ** The stated amount of {$7700.00} does not align with any known transactions or financial activities on my part. I request a detailed breakdown of how this amount was calculated and why it is being asserted against me. 

XXXX. **Failure to Validate Debt : ** I have not received adequate documentation or proof confirming the validity of the debt in question. I believe XXXX XXXX XXXX has not fulfilled its obligation to provide the necessary evidence to support their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act reports on inquiries and account information 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. 

The following inquiries show on my credit reports from XXXX, XXXX, and Equifax : Unrecognized Inquiries : XXXX. XXXX XXXX XXXX -- Alleged credit line increase request that was not completed online still appeared as hard inquiry. XX/XX/2021. 

XXXX. XXXX XXXX Credit Card request on XX/XX/2021 appears twice, when it was only executed once. 

Account I want kept private : XXXX XXXX Credit Card.
Product: Credit card

On XX/XX/XXXX I called Capital One to inform them that I needed to process a charge back for XXXX XXXX XXXX XXXX  because I did not get to stay at the hotel due to a bug infestation in the room. The gentleman on the phone said I would receive a resolution within 30 days. I did not hear back from capital one until XXXX XXXX XXXX They denied my claim and said the hotel said they supplied a room to me and they needed further information to proceed. So on XX/XX/XXXX I sent them more information including the email correspondence where the hotel said they would reimburse me. Within 2 hours capital one declined my claim due to what they called insufficient evidence.
Product: Consumer Loan

Being harassed.. phone calls and threats. Told Wells Fargo Dealers services that I was unemployed for 2 months and I will send what I can send. Threats are not the way today treat individuals that have been unemployed. Did n't anticipate being unemployed. Talked to them and told them I will pay what I can pay because for 2 months all my bills are behind and just now getting a job and getting back on my feet.
Product: Debt collection

I settled a debt from an XXXX XXXX account in the amount of {$160.00} for {$84.00} with XXXX XXXX, XXXX out of XXXX, XXXX XXXX XX/XX/2023. They sent be a confirmation of settlement for the stated amount on XX/XX/XXXX to confirm the resolution of this debt at the agreed amount. 

I have been harassed by phone and email from a different debt collection company, Credence Resource Management in XXXX TX, regarding this same debt from XXXX. I have sent them proof that this debt has been resolved but they have refused to accept my confirmation of settlement from XXXX XXXX XXXX XXXX. I should not have two debt collection companies trying to collect the same debt from me, especially when the debt has been resolved properly with proof from my bank and XXXX XXXX XXXX XXXX. Please see the attached documents for this complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I suffered debit card fraud on my Navy Federal Credit Union ( NFCU ) checking account, totaling {$5900.00}. 

The fraudulent transactions are listed below and can be corroborated by my bank statement : Fraudulent Transactions : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Entertainment Transaction Amount : {$3000.00} Running Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Entertainment Transaction Amount : {$2500.00} Running Balance : {$4500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Personal Care Transaction Amount : {$120.00} Running Balance : {$7000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Personal Care Transaction Amount : {$120.00} Running Balance : {$7100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Transaction Amount : {$120.00} Running Balance XXXX {$7200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Personal Care Transaction Amount : {$120.00} Running Balance : {$7400.00} Service Charges for International Transactions : XXXX Transaction Fee XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Service Charges/Fees Transaction Amount : {$30.00} Running XXXX : {$7500.00} XXXX Transaction Fee XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Service Charges/Fees Transaction Amount : {$25.00} Running Balance : {$7500.00} XXXX Transaction Fee XXXX XXXX XXXX XXXX XXXXXXXX XXXX Service Charges/Fees Transaction Amount : {$1.00} XXXX XXXX XXXX {$7500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXervice Charges/Fees Transaction Amount : {$1.00} Running Balance XXXX {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Service Charges/Fees Transaction Amount : {$1.00} Running Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Service Charges/Fees Transaction Amount : {$1.00} Running Balance : {$7500.00} Upon realizing the fraudulent transactions on the same day they occurred, I submitted a claim with NFCU, which was denied. I subsequently filed an appeal on XX/XX/year>, which was also rejected. The fraud involved unauthorized purchases totaling {$5900.00}, plus fees of {$60.00}, made online with my NFCU debit card. 

On the day of the incident, I received a phone call from XXXX ( XXXX ) XXXX. The caller claimed to be a Navy Federal agent inquiring about suspicious activity on my account and asking me to confirm my information. Shortly after this call, the unauthorized purchases were made. 

Additionally, I received a fraud alert text from NFCU ( XXXX ) asking if I had authorized the transactions, to which I replied " No. '' The transactions do not align with my spending habits. Furthermore, the purchases were made overseas ( in XXXX ) while I was at my residence, which other local transactions can corroborate. Multiple transactions for the exact amount of {$120.00} should have triggered an alert within the bank 's systems, indicating fraud ; however, this did not occur. 

I have evidence of text messages and cellphone call logs. 

I requested that NFCU provide the basis and details for the denial, but I never got a response with such information. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  XXXX   XXXX   XXXX   to pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it as  Paid, was a  charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In  XXXX  report, it is  stated as FP ( Fail to Pay ) a s of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to  XXXX .   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced  by credit score b y  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason  XXXX  took such action was because I express dissatisfaction with how  XXXX  was handing my credit investigation with  XXXX   XXXX   XXXX  . The  XXXX  are punishing consumer who exercise there right to ask for fair credit report treatment
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being, i have right under 15 usc 1681. 
XXXX is govern by 15 usc 1681. and they violated my rights numerous of times i demand the accounts listed below be removed because XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor, XXXX XXXX, XXXX XXXX, according to 15 usc 1681 : I have the right to privacy and i did not give XXXX written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to XXXX, XXXX, and Equifax disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, XXXX, and Equifax failed to do.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX the last four of my ssn is XXXX. My date of birth is XX/XX/1978. This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, Equifax and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

I have called the company multiple times notating that my rights were violated when purchasing the car. I was not offered insurance during purchase. The rates are currently too high and they have disregarded my rights. Under truth lending 15 US code 1605 determination of finance charge. I will settle the for the title of my vehicle and refund the amount I have paid.