23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Spoke to XXXX at this dysfunctional collection agency on XX/XX/XXXX, per the conversation, she advised that the client transmitted this account on XX/XX/XXXX. This merchant ( XXXX ) was paid in full on XX/XX/XXXX in full for the amount of {$62.00}, the account reflects a XXXX balance according to the merchant website dated XX/XX/XXXX. The phone call with the agency was not really reassuring that they were going to rectify the situation, in fact, it is very shady as far as the business practices of the Sunrise Credit Services.
Product: Mortgage

I went into a forbearance in XX/XX/XXXX due to an unexpected XXXX that left me out of work until XX/XX/XXXX. I was told by Truist I had to reapply to the same program ( loss mitigation ) to start a modification to resume payments. After months of waiting for a response, I was told my application expired because they did not have time to review it and I had to start all over again. This went on for the entire year. Finally in XXXX XXXX I received a modification offer that included a Deed of Trust for approximately XXXX XXXX. Before Truist received my signed agreement, Maryland HAF program offered me {$60000.00} ( XXXX XXXX of which would be a Deed of Trust to be repaid ) and contacted Truist on my behalf. Truist informed me that previous modification package was null and void, they would subtract the {$60000.00} from my current mortgage and rewrite my modification offer. That never came. In XX/XX/XXXX I received a new modification offer but it did not include the deduction of the {$60000.00}. I was told they would investigate and contact me. There have been hundreds of calls between us but still no answers. 
I recently found out, Truist placed a XXXX XXXX Deed of Trust on my house back in XX/XX/XXXX. Why would they submit that to be recorded when that modification package was null and void? How can you process a Deed of Trust but not the modification? If I had not pulled these records, I would not have even known that Deed was on there. I also have a Deed of Trust from Maryland HAF program for XXXX XXXX. Maryland HAF  has confirmed that Truist cashed their check for {$60000.00} ( in XX/XX/XXXX ) that should have been applied to my account. I will attach both Deeds of Trust.

Recently I received another modification offer from Truist that still does not show the {$60000.00} credit and they want to put an additional Deed of Trust on me for over XXXX XXXX 

I am not sure if this is pure negligence or intentional criminal activity.
Product: Checking or savings account

On XXXX XXXX XXXX XXXXXXXX charged my debit card {$29.00}, without my authorization. 

Wells Fargo never resolved the claim. Reference number : XXXX They mailed me a computer generated letter with a decision but with no back up documents. I called to request these documents. They said 30 days to get these back up documents. How does it take that long, that is what I asked and they hung up on me. I had to call twice, just to get to a human in XXXX!
Product: Credit card or prepaid card

There is a medical charge card, Care Credit, there is no selection for this type of card provided. I opened this account back in XXXX at my doctor 's office through their receptionist. The terms that the woman described when I opened the account and the actual terms were completely different ; as she opened my account on the computer at the reception desk with only my name, ss # and birth date. The receptionist at the doctor 's office mentioned there was a promotional interest rate with all new purchases and/or medical procedures done on the card, so I decided to apply and use it. No one ever showed to me or told me that if I didn't pay off the full balance before the end of the deferred interest rate period, that my percentage rate would go up an exorbitant rate ; this is criminal and should not be allowed. Case in point : my balance went up by {$2600.00} on XX/XX/XXXX, and I never even purchased that amount of charges in XXXX ; that was just interest from previous charges on a deferred interest rate, so they said. 

I called the Care Credit XXXX owned by Symphony Bank ) and they said these are valid interest charges they adding to my balance since I did not pay the entire balance before the special interest charge deferment period ended. Therefore, they added {$2600.00} to my TOTAL BALANCE on XX/XX/XXXX saying that is what I owe now ; which has made my minimum payment double and I am currently on unemployment since I lost my job in XXXX. THIS IS DECEPTIVE and wrong! I never agreed to this!! This terminology used by the doctor 's office is misleading, and when the receptionist opened my account, this stipulation on the interest free period was NEVER given to me or relayed to me ; therefore, I had no idea about this until I received this huge bill all of a sudden from Care Credit. 

I feel that Care Credit purposely does this so they can get people to charge services at medical facilities without the suspecting customer knowing the deceptive, tricky, underhanded way Care Credit deceives their customers into thinking this is a viable way to pay for any medical services not covered under medical insurance. I have read online that Care Credit has a habit of doing this in the past and was fined for it ; it seems that they have not changed at all and still performing these deceptive business practices because the fines are negligible and the US Govt. doesn't seem to want to stop them. No company should be able to trick and deceive their consumers, especially when there is medical procedures and practices involved with the credit.
Product: Student loan

I first got into trouble with making student loan after receiving a forbearance or deferment from First Associates of a few months. Things did not get better with me in that time and their lower payment options were just under {$100.00} which I could not afford that either, But I attempted for 3 or 4 months to pay as agreed but just could not keep up without letting something else go. I communicated this to them, however it was to no avail. The help they give is not really help at all.
Product: Credit card

I have a Paypal credit line ( formerly known as XXXX XXXX ) which is automatically linked to my Paypal online account. I began receiving calls from Paypal collection agency over the past week regarding a secondary account which I never opened. I have XXXX revolving account with them and it is the only account showing on my online Paypal member account. I asked for an explanation of how this account was opened. The representative advised me that the second account was opened under my name, however not my SSN. I advised I will not pay on a fraudulent account and asked for further information. Representative could not provide any further information and stated that they can merge the XXXX accounts leaving me with an additional {$370.00} balance ONLY after I make a payment on the fraudulent account. Advised them that I will not pay anything as there is no record of this second account and I did not open it. The SSN used for the account is not mine and the company allowed someone else to open an additional account under my name. I would like this account to be closed and my name completely removed from it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$200.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX as my credit report will reflect, I declared a XXXX XXXX XXXX to shed myself of the predatory lenders XXXX. My husband was awarded the property in question in a divorce settlement. They continue to associate my name with this mortgage. It has caused me irreparable harm for the last 12 years. Thats why I declared the bankruptcy! For a short time it was removed from my credit report, but suddenly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet another predatory lender it has reappeared on my credit report further causing damage to my score. I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX   I started receiving letters from the  XXXX  saying I owed them taxes for employees I had. I am a   XXXX   XXXX    XXXX  and have no employees. My old roommate was employed by  XXXX  and spoke to me about using their services if I expanded. She then used my name and a fake social security number to create a fake payroll account in order to meet a goal for a company funded vacation to  XXXX . I started having money taken from my bank account without any authorization and when I told her she assured me it was a mistake and would be fixed. I had to contact my bank in order to stop them from taking these funds. I thought it was resolved until I started to receive letters like the  XXXX  I have attached showing I owed them {$4000.00}. They said they would withhold my next tax return if it was not paid, but then a few weeks later on  XX/XX/2015    they took {$1400.00} from my bank account. At this point I contacted them and  XXXX  and explained the situation I explained to you.  XXXX  was no help, besides firing this employee that committed fraud, and the  XXXX  eventually released the lien on  XX/XX/2015   . I have attached that proof as well. However, they would not provide any assistance to remove the lien from my credit history. It shows the lean was released, but it still shows up on my credit report, hindering me from being accept for any business or personal loans or credit. I disputed this Public record with all  XXXX  creditors and it is still on my credit reports.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. 
Additionally, I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by XXXX XXXX XXXX, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy of what XXXX XXXX XXXX. I am requesting the fraudulent items are removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages. I have communicated with furnishers via certified mail on several occasions. Despite this, I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I am formally requesting the names and business addresses of each individual you contacted for verification purposes. The fraudulent information has impacted my credit report, causing considerable psychological stress. I request assistance in investigating this matter and taking the necessary steps to resolve it promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX that i dont know or gave any authorization to anyone to get my information
Product: Credit card

Home Depot Case : XX/XX/XXXXI found out thru my Identity theft protection XXXX about 4 weeks ago ) that my home depot card had been cancelled by Home depot because of a late payment. XXXX the balance was showing approximately XXXX dollars. I called your customer service because : ( 1 ) I have NOT used that card or shopped at home depot for over 5 years. I tried to explain that to the customer service rep .. but she tried to make me set up payments. I asked to speak to a supervisor and she demanded to know the reason, finally she said she would connect me, put me on hold and after 5 mins. or so the phone went dead. 
( 2 ) I did find out that even though this card is tied to my SSN the address is not correct. The address tied to the card is not known, I asked for the address and they would not tell me. I have lived at the below address since XX/XX/XXXX. I have NOT received any correspondence from Home Depot in years, bills or otherwise. The card has been shredded. The name on that card was XXXX XXXX XXXX. My middle Initial is XXXX ( 3 ) There is clearly some fraud going on here and you have damaged my credit rating. Please rectify this situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX last 4 SSN ) XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX
Product: Debt collection

This debt collector has never contacted the consumer and is reporting on the consumer 's credit report this is identity theft per 18 USC 1028A ( a ) ( 1 ) ( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX years.
Product: Student loan

In XXXX I graduated form the school, lost my job and didn't start word until XXXX. Paid min. until XXXX on a {$2400.00} bill. In XXXX started paying {$100.00} a month, on XXXX I wrote the company and told them I thought I had paid them in full, wrote a check for {$100.00} paid in full. Never heard from them for a year. XXXX they started billing me again, saying I owe {$930.00}. I contacted them three times, first time I was told I borrowed money three times (  not true ) ask them to send me records ( didn't get them ), second time was told I owed {$2400.00} then {$5000.00} then {$11000.00}. The third time the person didn't know what to say, so I asked her to send me my accounts. She send me stuff that told me nothing, I have the papers if you want them.
Product: Student loan

Starting in XXXX, I took out a little over {$32000.00} in private loans for XXXX XXXX XXXX ( my school was actually in XXXX, PA but that was not an available option ) through Sallie Mae ( now Navient ). To date, I have paid over {$100000.00} on my loans ( since XXXX ) and still owe just over {$16000.00}. As the federal government has determined that XXXX XXXX XXXX is a fraudulent for-profit institution and XXXX XXXX XXXX now Navient ) had an illegal relationship with XXXX, I would like my private loans dissolved/canceled and refunded as per the FTC Holder-in-Due-Course Rule.
Product: Mortgage

My name is XXXX XXXX and my wife and i have a conventional mortgage loan with Ameris Bank Mortgage Service 's on our property at XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. Ameris Bank Mortgage Services has an address of : Escrow Department XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Illinois XXXX and a phone number of XXXX. My wife 's name is XXXX XXXX. Our loan number is XXXX. We have been customers of Ameris Bank for over 3 years and have never been late or missed a payment. We are the original owners of our home of 15 years and have been in good standings with the previous company with never and late or missed payments. 
We have tried several times with Ameris Bank to have the PMI removed from our loan as we feel that we have sufficient equity in our home. We are positive that our home would appraise for more than XXXX as their are neighbors on our street with the same size home and amenities that have sold for XXXX or slightly less in the last couple weeks and months.. We owe XXXX Our first inquiry to Ameris bank ( XXXX ) regarding PMI removal resulted with a representative telling me that the Unpaid balance would need to be 78 % or less of the property 's value. 
Our most recent inquiry resulted in us being told that it needed to be 65 % of the property 's appraised value. The UPB number continues to go down every year. 
After speaking with a mortgage loan specialist with Ameris Bank, he advised that he could not tell me why the rate was as 65 % and said " That is crazy '' and said that the number should be around 80 %. He told me that he was going to do some research and get back to me. 
The following week, ( XXXX ) he called and said that he had spoken with a member in the escrow department and was told " the number is what it is and cant be changed '' and had no explanation but offered to help me with a Re-finance. ( Of course he did ). 

Respectfully, XXXX XXXX XXXX XXXX
Product: Student loan

I took out student loans for XXXX XXXX. Afterwards, I served in the XXXX XXXX XXXX from XXXX to XXXX. During that time, I told Navient that I wanted to make payments under the Public Service Loan Forgiveness program. The representative assured me that I was making qualifying payments. I learned in XXXX that three of my loans did not qualify for the program and had to be refinanced. I also learned that I was paying a significantly higher payment than I needed to.
Product: Debt collection

For over 25 months I have aggressively tried to get validation of this debt through the collection agency : Quality Assest Recovery ... through certified letters to this company asking for validation. 
I have also disputed this negative account through each credit bureau for a continuous 2 years that I have notice this account on my report in 2017. 
I have reported that I never received any initial notice indicating that I owe a debt to this collection agency to the credit bureaus in my disputes and it was ignored. 
This account consistently was verified by XXXX and XXXX disregarding my concerns about my lack of ability to obtain information about this debt Quality Asset Recover says I owe. 

XXXX and XXXX feedback was simply stated that they will no longer re- investigate this particular account and that I need to contact the furnisher. 

After taking the advice of the credit bureau I made the call to Quality Asset Recovery, with the purpose to validate the debt and found that I was blatantly ignored and was being pressured to discuss payment of the debt .... I simply refuse and demanded validation and ended the conversation that seem useless. 

After filing a CFPB complaint about the matter and violation of my rights to receive validation. 
Quality Asset Recovery sent a letter stating that my complaint was not accurate and that I initially call them to discuss payment and was willing to make a payment rather then get the validation Im entitled to. 

This collection agency practices are unfair and against the FDCPA guideline how to treat and conduct business. 

At this time I have yet to recieve validation of this debt that Quality Asset Recovery wants me to pay without knowing anything about the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a car loan with XXXX XXXX XXXX I had auto payment so I had received a call from their internal collections department but the car actually came from a family members phone and it turns out they are employee use the app to make a phone call to me so I will pick up the phone I contacted XXXX XXXX XXXX they excepted responsibility and I end up talking to the president Call center we could not agree on a solution XXXX XXXX XXXX finally canceled the loan I still have the vehicle XX/XX/XXXX set a XXXX form after several complaints not only to the CFPB but to the XX/XX/XXXX they updated my balance is XXXX but have failed to remove the account from my credit report they sent a letter to me stating they are no longer collecting on the debt but again they have not removed it from my report.
Product: Checking or savings account

Yes I deposited a check in my account for my sister XXXX XXXX XXXX. I was told funds would be available XX/XX/2021. The check deposited belonged to my sister and was deposited through the ATM at Truist due to her not having proper identification to get it cashed. So it was signed over to me. I waited and heard nothing. All of a sudden my account wasn't working. The manager said she tried to reach me around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so I wasn't able to take my sister to the bank to sign a paper. I had no knowledge of a paper needing to be signed. We thought we did right when she signed it over. Well since then my sister has been XXXX XXXX XXXX XXXX and has been asking have the funds been released yet and they won't release til they get a signature. It's been over a year and I'm her POA as well. We didnt know about signing a XXXX they made my account dormant which isn't fair as well. Please help me get these funds released so I can send some to my sister for the things that she needs while being XXXX