23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX is sending me collection notices on XXXX accounts. I am currently and actively being pursued by XXXX XXXX XXXX on XXXX of these same accounts ( these XXXX originated as XXXX Credit cards and they were mine ). The XXXX account they say originated with XXXX. 
I called XXXX to verify the debts and amounts and was told that XXXX now owned the debt. I have sent a written request to XXXX with a copy of the XXXX letter asking if they have sold the debt to XXXX. They respond they still own the debt, but wo n't provide me with further information. 
I have no recollection of a XXXX account. I called XXXX Credit cards and they researched my social security number and found no accounts with them. The XXXX Chase Cards appear correctly on my credit report as charged off, but there is no record of any XXXX chargeoff until XXXX starting reporting it. 
I have contacted XXXX repeatedly ( including certified mail ) asking them to verify the original accounts, current calculations, date of last payment, and proof of their ownership. 
Instead I get a letter from " Crosstown Law Firm '' with none of the information requested, which I am entitled to by law. Furthermore, the letter gave me 5 days to respond ( letter came 20 days later ) or I was validating the debts -- also illegal. 
The amounts they are reporting are not correct on the XXXX XXXX accounts, and the XXXX is crazy ( {$61000.00} )! 
The person signing the letter, XXXX XXXX, is not licensed as a lawyer in MN, though the letter gives the impression she is a lawyer. 
They have re-aged the XXXX debt incorrectly ( and added them together a couple of times ). This debt went into arrears in XXXX 2009, and they are reporting last activity as of when XXXX charged off the accounts and sold to XXXX. 
I believe these actions by XXXX are completely fraudulent. They respond to my requests with threatening letters and are still reporting incorrectly on my credit report. 
I had credit issues years ago, as the result of unemployment. We are now getting back on our feet and trying to fix stuff, but I believe XXXX XXXX is praying on me and does not own the XXXX debts, and the XXXX account is a fabrication.
Product: Student loan

I understand that cfpb is suing Navient/XXXX and I would like to be a participant in that lawsuit. My student loans from XXXX XXXX XXXX XXXX XXXX originated at {$70000.00} for a degree in XXXX from a for profit college. They are now currently over {$140000.00}. I am in over my head in debt and have been from day XXXX. Not only was it unethical to lend that kind of money to a young person in their XXXX 's, for a degree with a known history of underemployment/low wages. Then to balloon the loans constantly with fees, surprise fees, and more fees. No counseling. Not knowing what is in my best interest. I 'm told by Navient there is no settling on the loans. The loans were serviced by XXXX XXXX and now by Navient. I 'm now XXXX with health problems that interfere with my ability to work. I have received XXXX in the past few years. I need help. I feel the lender/services are unethical in their practices. I 'm tired of all the exorbitant fees that have ballooned this loan. Navient is quick to offer forebearance while I 'm out on XXXX, then charge me fees after telling me my payments were XXXX. They have offered me no counseling, no understanding, and no options to get relief from debt they happily continue to balloon. It 's unethical.
Product: Money transfer, virtual currency, or money service

Someone fraudulently took money from me through Cash App. I reported it but they refused to refund me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

I work as a truck driver I was doing fine before the civi-19 start, I got a XXXX XXXX XXXX on XX/XX/XXXX finance by Chrysler Capital before I was making my payment right on time sometime ahead of time, when the covi-19 started everything went down hill, In the beginning of this year I wasnt making enough money I got sick with XXXX by XX/XX/XXXX the job I was doing didnt have enough freight for me so I call Chrysler Capital and talk to them about it so I can have a little time for me to recuperate and work to make the payment they say no, so after that I went to work to get the money for the payment of the car and I was still XXXX.They said we are repoing your car.Then I said give me til Friday XX/XX/XXXX And Ill pay 2 payments.still they took my only way to work and store or to get medical treatment on XX/XX/XXXX XXXX.If it wasnt for XXXX.I wouldnt be going through this with them.I tried asking them what would it cost to get my car back.They said around XXXX.Its .The repo man said that Chrysler capital repos a lot of vehicles.I asked how do you know this he said his company does a lot of work for them.Makes you wonder if they do this to get our vehicles and resell them.So they never loose in a car deal.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 an account opened with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX with a charge off balance of {$290.00}, and an closed account with XXXX XXXX XXXX XXXXXXXX on XX/XX/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 FICO 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 Inquires are the result or identity theft and fraud.
Product: Credit card

Received a XXXX Citibank card in the mail within the past week. Did not sign up or request this card. Tried today XX/XX/year> to cancel the card by calling the phone number on the back of the card ( XXXX ). I called XXXX  times, all XXXX  times the answering service gave me info about a XXXX XXXX XXXX card, not a Citibank XXXX card... and all XXXX  times the service then hung up on me without giving me any options. Called Citibank directly from the Contact Us phone number on the Citibank website. Waited XXXX minutes to talk with someone. The representative I spoke with would not cancel the card for me. She gave me another phone number for the XXXX card ( XXXX ). I was not able to speak to a person on this phone number, it was useless. 

Why is it impossible to cancel a credit card I never requested? If your bank name is on the back of a credit card, the phone number should work and you should be responsible for handling any issues.
Product: Credit card or prepaid card

Hi, I had traveled out of the country to the carribean in XXXX to celebrate my sister birthday and I booked an excursion through XXXX. Unfortunately I was not able to do the excursion because of personal reason so I canceled a day before through the app of XXXX and it seems like there was a glitch due to lack of connectivity being so that I am unable to have phone service in the XXXX besides the Wi-Fi and connectivity the hotel provides. I canceled on time and even though the XXXX XXXX sent me the only proof a few hours later of my cancellation the merchant denied my full refund. I disagree with the way they handled this situation and did not honor their policy. I proceeded with the dispute through my credit card company which is capital one spark business card and I am extremely disappointed with how they handled this dispute. They denied my dispute three times after I have sent multiple evidence showing the transaction, times and explaining that XXXX sent the cancellation hours later and even informing them that the phone service is not the best out there. They completely denied and I upset that I am being charged for service I did not even use and being taken advantage as a tourist in another country which is nothing new now indays but my credit card company not helping me out nor investigating as they should. I would submit my dispute with all attachments and they would send an automatic denial letter within 30 min, like what type of investigation is this. I do not want to be part of this company so I will closed my account because if they cant help out their clients with a transaction of {$310.00} I do not want to go through a transaction of over {$1000.00} and not see something resolved. Now I have to pay to my credit card an amount that should have been resolved but they are money hungry and not resolving my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$450.00} ; XXXX XX/XX/XXXX ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and to formally request that you take immediate action to block and delete the accounts and inquiries listed below from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were affected by the data breach, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have them removed from my credit history. 
The affected accounts are as follows : XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} Additionally, the following inquiries should be blocked and removed from my credit report : XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported the same item on my XXXX Credit three times. The account number is XXXX for the amount of {$670.00}. The original account number is XXXX. The reporting dates are XXXX XXXX twice and XXXX XXXX
Product: Checking or savings account

I was a victim of a fraud case that was place on me by Bank of America. I went thru the process to recovery some of the funds I had in my checking account I had open with Bank of America back in XX/XX/XXXX. They was implying that they where going to move forward in filing a fraud case against me. I thinking the amount was somewhere between {$1900.00} to {$2300.00}. So they required me to setup a payment plan to pay back the overdraft fee. And the amount of the payment was {$140.00} for 12 months. And in return they told me once the amount is paid in full I 'm not allowed to open up a acconut with Bank of America. I feel that is absurd to do the to a customer who been with Bank of America for the long run. I had investment accounts with Bank of America investment company XXXX XXXX. I was looking to return to Bank of America and continue my relationship with the bank. I believe that was one minor mix up. It happen back in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I asked XXXX XXXX XXXX account number XXXX for a investigation with my local attorney general office to look into my investigation because under 15 U.S.C Sec 1681 ( a ) all inforation should be 100 accurate and never received proof of investigation and I was sent information thst the account was in fact deleted and when I UPDATED MY CREDIT REPORT THE ACCOUNT WAS STILL THERE.I have proof from attorney general office of that I attached.
Product: Checking or savings account

On the evening on XX/XX/18 my Chase debit card and my Chase Sapphire card were stolen from my wallet. They were replaced with decoy cards that looked like them, but they had a different name on them. My phone was also stolen along with them. I didn't notice as I was out having dinner but paying cash the entire time, and it appeared to me as if the cards were still in the wallet. I just assumed I had my phone stolen. They were then able to call Chase bank and have my ATM limit raised. They then took out {$2000.00} dollars in four separate ATM transactions. Two of them for {$800.00} and two of them for {$200.00}. The person who stole them then went to a place called XXXX XXXX XXXX XXXX and made two separate purchases for {$2200.00} and {$2600.00} respectively. They also made purchases for {$20.00} and {$75.00}. All of these happened after XXXX on XX/XX/18. My account was almost entirely cleaned out by this. I informed the bank the next morning. I filled out a police report and an insurance form for a new phone the next day when I noticed. I have gone through this several times for several weeks with a banker for them. Finally they resolved to not credit me with any of my money back. I am attaching all files that were sent to me by the bank. The police report is also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, IL XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

As of XX/XX/18, monthly statements which indicate interest charged are not available online. The interest rate and balance are shown, but in order to find out how much interest is being charged monthly, you have to call Navient. This seems like a deliberate attempt by Navient to withhold information from their customers.
Product: Mortgage

Hello! 
I have been working with my mortgage company ( PHH Mortgage ), but they do not seem to want to resolve the mistake they made. Last year, they reported they had paid {$13000.00} in Tax Disbursement, which is way too much. This caused my monthly payment for the remainder of the year to increase almost triple. I called my city, and they had told me because my house was a new build and the neighborhood was new, there were no taxes due. I asked for any documentation from the city ( XXXX XXXX XXXX ), and they said they did not even have any because the parcel number had not even been set up. 

I reached out to the mortgage company, PHH Mortgage, and they denied the problem, and then after lots of calls finally started an investigation. Although they have claimed they over paid in taxes that were not due, they will not repay my escrow and recalculate my payment. I have been calling and emailing since XX/XX/XXXX. My payment is very overdue, and I can not have this impact my credit. 

Thank you for investigating!
Product: Credit card or prepaid card

Navy Federal is charging additional fees on a closed account and is reporting as late when the account is closed. This should not be done on a closed account.
Product: Debt collection

My name is XXXX XXXX and I am submitting this complaint without the influence of any third party. Convergent Outsourcing has continuously ignored my complaints regarding an alleged debt that is currently being reported on my consumer report. I have been challenging this account for the last several months and nothing has been done. This account is erroneous and not accurate which is a violation of federal law which supersedes all organizational policies. It is to my knowledge and is even reported on the CFPB 's website that credit reporting is NOT mandatory. 15 USC 1681B ( 2 ) Permissible purposes of the consumer report state that a consumer report should be " In accordance with the written instructions of the consumer to whom it relates. '' As the consumer, I have advised CONVERGENT OUTSOURCING that this account is not mine and I also advised to discontinue communicating with me through all mediums. A credit report is a form of communication. 15 USC 1681a ( 2B ) states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is EXCLUDED from the consumer report. Therefore, even if this debt was indeed mine federal law excludes extensions of credit that originated from the issuer of a credit card. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. CONGRESS states ANY card. The credit card would be my social security card. I am demanding to have this account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry by company. Dont know why this occurred. I dont know why this is showing on my credit report. Please remove.
Product: Vehicle loan or lease

I have a lease buyout option at the end of my lease. To purchase the vehicle I applied for a loan with a local Credit Union that gave me a good rate and I have a personal connection. 

I have a contract that give me a right to purchase the vehicle at the stated rate. 

Ford Credit and the local dealership refused to provide the required documentation to close the loan, saying I had to finance through them. 

This " blocking '' my ability to secure financing at a fair price, with an institution I trust is an unfair business practice. 

I requested the documents originally on XX/XX/XXXX, was told i had to go into the dealer to secure them, went to the dealer, they gave me the wrong documentation on XX/XX/XXXX. I then reached back out to the dealer, and had the Credit Union reach out with no response for 2 days. On XXXX the head of finance at the dealer sent me a text saying that it is their polic to not support outside financing and I had to go through them. 

This forced me to use my own cash to buy the vehicle putting undue financial stress on me and my family. I would appreciate support dealing with the matter directly with Ford Credit and XXXX XXXX in XXXX, MA.
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 15 USC 1681. The dates shown on my credit report for this account are not accurate. The date last reported for XXXX shows XX/XX/2023, XX/XX/2023 for XXXX, and XX/XX/2023 for Equifax. Last payment dates for XXXX are XX/XX/2023, XXXX XX/XX/2023, and for Equifax XX/XX/2023. With these incorrect dates, my credit report also shows an inaccurate 30 day late payment on XX/XX/23. Also, XXXX shows the account as closed, while XXXX and Equifax shows the account as paid. 

Account name : XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from getting the credit funding I need for my business.
Product: Mortgage

We have been dealing with XXXX XXXX for nearly 24 months regarding loan modification, loan forbearance, etc. They have given us the run around for over 24months and THEY HAVE NOT RESPONDED TO OUR INQUIRIES on a timely basis. We have applied for Federal Assistance with the IHAF and entered our application with the government agency on XXXX/XXXX/XXXX. When XXXX XXXX sold my mortgage to SLS on or about XX/XX/2023, it screwed up the entire XXXX application process as IHAF was still reaching out to XXXX XXXX who failed to respond because they no longer held the loan. We went back in to the IHAF application and notified them that we were notified that the mortgage provider had now changed to SLS. As of today, XX/XX/2023, IHAF has said that they have reached out to SLS numberous times to obtain some verification called an " i record ''. Even though I have uploaded the most recent default letter received from SLS to IHAF, containing proof of mortgage, loan number, deliquency amount, etc., they still apparently need verficiation from SLS. Today, we called SLS 3 times and following automated verification of my loan information, recieved a voicemail asking to call back during normal business hours. The 3 calls we made to SLS TODAY were made between XXXX and XXXX, CST, which is within their normal business hours. They apparently do not have anyone answering their calls today. We called 2 different numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. 

In addition to not answering our calls today during standard business hours, they insist they haven't received a request for an irecord from IHAF however, when speaking to supervisor XXXX today, at IHAF, she indicated it has been sent and we would have to wait up to 7days for them to respond. We are out of time and have done all we know how to do at this point.