23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried to communicate with the collection agency and negotiate a payment or a payment arrangement. I was told by the rep at the collection agency they can not help or talk to me. They stated it was with an attorney and they would need to take care of it. I reached out to the attorney and was called by a secretary who then called back to the agency to submit my offer. They refuse to take any arrangements. They have also contacted me several time before XXXX am multiple times in a row calling back to back
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a card from Netspend XXXX XXXX XXXX XXXX, TX XXXX. 
I never applied for this card. It arrived with instruction for activation. 
I DID NOT REQUEST OR DESIRE AN UNSOLICITED Credit CARD.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I borrowed from this line of credit, paid it off & request the account to be closed. The company did not close the account. The account was unused XX/XX/XXXX until XX/XX/XXXX. The company continued sending emails, texts to entice after and I requested to close the account. In XXXX, I debited funds to put down on a car, and I basically couldn't stop requesting money to pay other bills and car expenses as I decided not to buy the car. I called about paying the account off. I was trying to understand the interest. Most of my loans and other lines of credit the payoff is lower. Advance said, not how they calculate it because interest is charged on previous balance. So, I can't figure it out. I tried to pay it off and they will not allocate money to principal balance even thou I just made an interest payment. Its setup to were I can not get this paid off. I should not have an interest payment to pay it off, the interest should not be paid XXXX weeks in the past especially when your making bi-weekly payments of the same amounts. Principal is decreased by less than {$100.00} of {$460.00} payment. Some how we are paying XXXX amount of most payday loans. The company refuses to cooperate with consumers to pay off the debt. Its impossible to do unless you make a lump sum payment to pay the account off. I have more than paid on the principal. I have to call to make a principal payment because if you process principal payment online they still allocate to interest payment and still take the full payment of interest on the due date. Its very confusing and setup for me to keep paying over {$800.00} a month. I have another line of credit and both payment together do not add up to XXXX payments. I can see the principal decreasing but not with Advance. I am stuck. I want pay my account off. I want account closed permanently. Its not good business to deal with Advance.
Product: Credit reporting or other personal consumer reports

i recived a copy of credit report and i noticed one account on my credit file that not mine i never applied for and needs removed from my account listed the account XXXX  XXXX, XX/XX/2023 {$430.00} ( XXXX ) XXXX can you please remove all the enquiries
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts have been reported on my credit file. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts be blocked and deleted from my credit report : Fraudulent Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$720.00} XXXX. XXXX  XXXX - Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX - Amount : {$100.00} XXXX. XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8400.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$580.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$7300.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1900.00}
Product: Credit reporting or other personal consumer reports

Consumer will not remove inaccurate address reporting even after I sent current address without an apartment number
Product: Mortgage

I participated in a forbearance program during COVID-19. They bamboozled me on the last opportunity to receive help, they said, " They received my paperwork 2 days too late. '' I knew there was a deadline so I hurried and submitted my claim for the benefit online.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1600.00}, {$1600.00}, {$95.00}, {$2400.00}, {$510.00}, {$760.00}, {$730.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

3. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$95.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$730.00} -This is not my account.
Product: Mortgage

Please note that my late mother 's mortgage was sold from XXXX to Selene Finance. I contacted Selene Finance on XX/XX/XXXX via phone @ XXXX, and the company did not have my records. I was told to call bank after the XXXX of XXXX, and I did so, and the company could not find my late mother 's will, death certificate, and POA. I was told to fax this information, and I did so the same day. I received paperwork from Selene Finance on XX/XX/XXXX, and I have tried for over 8hrs to get through to them w/o any success. The former company XXXX was supposed to transfer the mortgage from my late mother 's estate to my name. I have been working on this for over 1yr. The prior bank told me not to make payments while this process was going on, and they kept losing my paperwork. I was getting ready to resend this paperwork to XXXX  on XX/XX/XXXX, and I was informed that Selene Finance would be taking over, and XXXX told me to wait to hear from Selene. I can not get through to them.
Product: Mortgage

On late XXXX or XXXX XXXX of this year ( 2016 ) I received an annual escrow account disclosure statement from my mortgage lender, basically saying that they have reviewed my escrow account and the determination was that I had a surplus of {$3700.00} and a check will automatically be mailed within 30 days ( statement date was XXXX/XXXX/16 ). Exactly the same situation happened last year, I had an escrow surplus, a check was going to be mailed within 30 days and I did n't receive any check, either last year or this. They lie to me when they told me that last year they mail a check and because the check was not cash, it was deposited back to my escrow account ; the escrow account activity does n't show any withdrawal to reimburse me with the excess escrow funds. And this year after I called XXXX today ( XXXX/XXXX/16 ), they are revising the account again, even I have the statement from them confirming the surplus and reimbursement within 30 days. 
My mortgage company is SunTrust Mortgage. I believe they do unfair and deceptive acts and practices, use false and deceptive statements to withhold client 's funds in violation of homeowner 's rights and protections.
Product: Student loan

I owe over {$220000.00} in private student loan debt from my studies at XXXX XXXX  from XXXX through XXXX more or less. These loans were predatory in the sense that I was promised a job since all professors from the XXXXXXXX XXXX XXXX were also lawyers and most had their own practice. My counselor at the time had me signing for private student loans and would simply just tell us to sign the form under the pretence that this would guarantee a high paying job and using the XXXX  since they are a XXXX school and utilize that as a tool for us to trust enough to sign without having to read anything. Paperwork was always done in the counselors office and he had it ready only for signature and nothing else. I was working for the state during my studies there and wasn't making enough money so I trusted their promises to guarantee a job with a professor then found that it was all a lie and there were many of us that were all promised the same. on XX/XX/XXXX I filed a " borrow defense discharge '' application # XXXX, with studentaid.gov, based XXXX same information I just described. On the Navient site under Private Student loans, they offer the ability to apply for something similar and refer to it as " school misconduct '', so I called to let them to ask XXXX an application as they direct on their site, and when I asked the Rep she said that I didn't qualify for it without gathering information or giving me a simple explanation. I asked her how she could know that since I hadn't even had a chance to apply which was contrary to what they advertise on their own site, and asked what their process is for someone like me who is claiming school misconduct from the school that the loans I owe are from ( XXXX XXXX  ). She couldn't or simply didn't explain why I couldn't apply or give me any guidance whatsoever on how to dispute these loans, although the Navient site offers this in writing. Please help! I am a victim of school misconduct and Navient just wants their money and I need help.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card at XXXX XXXX  XXXX XXXX opened on XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1800.00} that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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

XXXX XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX  XXXX ( Inquiry Date : XXXX ) XXXX XXXX XXXX ( Inquiry Date : XXXX ) XXXX  ( Inquiry Date : XXXX ) XXXX XXXX ( Inquiry Date : XXXX ) XXXXXXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : 1. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX  FINANCIAL # XXXX, Account name : XXXX CARDS/CITIBANK # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX BANK # XXXX, Account name : XXXX XXXX SERVI # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

They ( Navy Federal ) are refusing to call the verification number on the check that came from XXXX. They claim they can't verify it that way. I tried giving them the other number XXXX gave me and they won't use it. XXXX also wont call Navy Federal to verify it. The check is from the State of Louisiana U.S. Treasury Emergency Rental. This is for my rent and If i don't have it we will be evicted.
Product: Debt collection

Dear Fraud Department, I am the victim of identity theft. Someone used my personal information including my name and Social Security number to open an account with XXXX XXXX XXXX. This account was sent to LVNV Funding/Resurgent for collections. I am working with XXXX XXXX XXXX  to resolve this issue. Once I was made aware of the fraudulent account, wedisputed the account with LVNV Funding. I was asked to send a copy of my fraud affidavit and drivers license to them for review. These documents were sent to them on XX/XX/. Included in the documents was a written request for all documentation related to the case. I have not received those documents as required by law. 

My XXXX XXXX XXXX agent spoke with LVNV Funding on XX/XX/2023 and was advised that since there was a court ruling in the situation, they would not be marking the account as fraudulent. 
The court ruled against me because I was not aware of the account and did not have the opportunity to defend myself and explain that the account was the result of identity theft. 

I would like to reiterate the following points : * I did NOT open this account, and was not aware of its existence. 
* I did NOT receive notification of the account, the collection activity, or the court case until recently. 
* I have NOT received the documentation related to the account that I am legally entitled to. 


Please see the attached copy of the fraud affidavit filed with the FTC and a copy of the police report filed regarding this situation. 

Resolution : Please review the attached documents and mark the account as fraudulent. 
Please let me know if you have any additional questions or concerns. 

I can be reached directly via phone or email .... ( include details ) Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i disputed XXXX XXXX XXXX XXXX to experian and XXXX and XXXX and no one has done a full investigation into the credit card. I'm reaching out to you because i also called these bureau explaining that i reach out to the collector and then to the collection office where i paid my full payment. They both don't have any information on their system with my name or bday or social and a year ago i pay XXXX XXXX XXXX XXXX. On XX/XX/XXXX i explain again the situation and still the update to my account remains the same with the statement " updated- information on this item has been updated. please review your report for the details '' meaning they put a new date that the account was reported when this account was first reported in XX/XX/XXXX and they continue to put in false information. I have all the proof of them changing all my current information to new information that does not make sense to my account. Please i need to get help with this cause their doing this to all my accounts that are negative that i am trying to fix and making the situation harder on me. I have all the proof if needed.
Product: Payday loan, title loan, or personal loan

I had a title 1 loan with XXXX  XXXX  XXXX  th.at was sold to BSI financial XX/XX/XXXX. My loan was due every 5th  of the month so XXXX payment was made to XXXX  since I did not get notification that the loan had been sold to BSI. XX/XX/XXXX BSI called about the payment this was the first I had heard that they were the new servicer. After verifying with XXXX and being told XXXX payment would be transferred at the end of XXXX. I continued to get calls from BSI so I made a {$100.00} payment on XX/XX/XXXX so the calls would stop. Then I received an email from XXXX that the XXXX payment was transferred XX/XX/XXXX. XXXX came around and after the 5th I started receiving more collection calls from BSI about the XXXX payment. I explained and sent XXXX  email that XXXX payment had been transferred XX/XX/XXXX and that on the XXXX I made a payment which should be considered as my XXXX payment. As of today and many calls to and from BSI the account is showing past due for XXXX. transferred payment has not been applied to bring me current. I have sent proof of payment to BSI from my bank statement also forwarded the email from XXXX about the payment transfer. Every time I call BSI I am told they are looking into it. This has been since they became owner of account. I have also today sent a payment ledger XXXX sent to show the XXXX and all other payments. The problem is not with me it is between BSI and XXXX but BSI has been showing late for XXXX. I have sent them proof with bank statements and with payment ledger but no one will get it fixed,
Product: Mortgage

Wrongful Wells Fargo Forclosure. We feel like we did everything according to Wells Fargo and they DID NOT HELP! They kicked us out After we payed them ALOT of money. Could not talk to anyone in person at the Bank. The person assigned to our case was NEVER THERE TO TALK TO. And nobody else would help us. We even borrowed from our Retirement Accounts.
Product: Debt collection

I signed up with Americor Financial who advised me to stop making payments to my creditors and they would help me by negotiating a settlement amount that was lower than the original debt. They paid only one {$700.00} amount to XXXX  XXXX and XXXX of the negotiated amount to XXXX XXXX about {$500.00}. In thirteen months my credit has been ruined and I have not seen any activity since early XXXX. I have amassed about {$6300.00} and called to asked them to refund the money because my financial situation has changed. I told them not to deduct any more money from my bank account because I couldn't afford the {$330.00} per pay period about {$680.00} per month. I want to cancel but they keep giving me the run around. I am sick of these scams. I am a senior citizen with a financial hardship and I need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX