23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : XXXX. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. 

XXXX. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

XXXX. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 30 business days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided.
Product: Student loan

I was consitantly making payments of {$280.00} for almost 6 months. However, when I tried to call Navient at the beginning of XXXX about how I cant afford to pay that much a month they pretty much told me that I have already been given the lowest payment plan they have. I am in the military and I am the sole source of finances to my wife and XXXX kids. I will be more than willing to make these payments if i could get them lowered. Please help me.
Product: Debt collection

I called nationwide credit inc at XXXX XXXX XXXX XXXX at XXXX XXXX cst. informed them of my dispute in regards to a credit card balance that was owed to XXXX, informed them more than 20k is unauthorized charges. They refused to put in my complaint saying the submitted one back in 2014. I spoke with XXXX at extension XXXX, I asked him for the lowest settlement by company policy, he lied and told me about 27k when XXXX was possibly the lowest.
Product: Checking or savings account

Ive been a customer for 2 years. I had a check come back not paid on my account for {$390.00} on XX/XX/XXXX and they closed my account. Its been 3 weeks and my balance is $ {$2500.00} I still can not get an answer on when they will issue me a check and they wont unfreeze my account to let me transfer it out. Its been so unacceptable, I am late on rent now and I can not get a straight answer.
Product: Debt collection

Looking at my credit report on XXXX XXXX 2018 I saw an account in collections and I never gave any company the right to share my information whatsoever. The account is for {$530.00} which is listed on my credit report as account # XXXX. I sent a letter to the agency today on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ) and the FDCPA ( Fair Debt Collection Practices Act ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an dispute letter to all XXXX credit bureaus Experian, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all XXXX companies. It has been over XXXX day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Product: Mortgage

*** THIS IS NOT A DUPLICATE. NEW INFORMATION INCLUDED. *** *** This is new information only available as of today about a growing concern about the inadequacy of Freedom Mortgage to address the transfer of a mortgage - apparently this is impacting other people too. Again, this is not a duplicate, there is new information updating information previously provided in XXXX. If a human is reviewing this, please do not flag this as a duplicate as it is not, there is new information here. If an algorithm is doing this with no human oversight, then CFPB needs to implement an appeals mechanism when the algorithm is wrong. Again, there is NEW information below current as of today the inadequacy of Freedom Mortgage to address the transfer of a mortgage that per documentation is impacting multiple people *** Early in XX/XX/2022, we received notification from XXXX XXXX XXXX XXXX that our mortgage was being transferred to Freedom Mortgage effective XXXX XX/XX/2022. We called in XXXX and Freedom Mortgage said they had no information in their system about the transfer and that we should call again on XXXX XXXX. We called again on XXXX XX/XX/2022 and Freedom Mortgage said they have no information as of yet about our new mortgage and that we should check again on XXXX XX/XX/2022. *** THIS IS NOT A DUPLICATE. NEW INFORMATION INCLUDED. *** This is highly disconcerting that they don't have information as we have always made timely mortgage payments and done so consistently for several years. Freedom Mortgage said that they would be providing a 30 day grace period on mortgage payments- this sounds contradictory to CFPB 's own guidance of a 60 day grace period when mortgages are transferred. Moreover Freedom Mortgage has not, as of yet, been able to provide even the most basic of welcome letters or information about our loan. By Freedom Mortgage 's own admission they have not officially uploaded the information yet to the loans being transferred to them- which is seriously distressing. *** THIS IS NOT A DUPLICATE. NEW INFORMATION INCLUDED. ***CFPB should investigate Freedom Mortgage and what is going on here - moreover CFPB should check with Freedom Mortgage 's claim of a 30 day grace period on mortgage payments, shouldn't it be 60 days when a mortgage is transferred? Moreover Freedom Mortgage should provide information, as soon as possible, on how to make the epayments. *** THIS IS NOT A DUPLICATE. NEW INFORMATION INCLUDED. ***There are already concerns online about other somewhat sketchy practices at Freedom Mortgage- it is very troubling about the company that they have an 82 % " XXXX '' ( the lowest rating ) satisfaction rating on XXXX - XXXX XXXX XXXXwww.freedommortgage.com They have a XXXX out of XXXX stars total - also raising some serious red flags. *** THIS IS NOT A DUPLICATE. NEW INFORMATION INCLUDED. ***
Product: Credit card

Ashley Furniture XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX On Saturday, XX/XX/XXXX, I was shopping for a new couch for my new apartment. As i ventured into Ashley Furniture, I found a couch that I thought would be a good fit for my home so I engaged a salesperson. The salesperson informed me that they offered " financing plans '' with no interest for XXXX  months or so. This sounded like a great idea as i would not have to come much out of pocket since I had just recently paid for my move. Before engaging further I specifically asked, " this is not a credit card, correct? Just a financing plan? I do not need any additional credit cards. '' He then replied, " No. Just a financing plan. '' Financing plans typically don't affect your credit which is why I saw this as a good idea. 

About a week later, a credit card was delivered to my mailbox from Ashley Furniture. Naturally, I was very upset as I felt taken advantage of, lied to and most importantly, my credit would be affected. I contacted the store and they offered very little help or guidance. This company should be investigated. If they were able to pull this on me then there are likely many others that have fallen victim. 

I'm considering some sort of XXXX XXXX  against them but I felt it was necessary to file this complaint to inform and warn the public of the poor and predatory practices employed by Ashley Furniture.
Product: Student loan

I am repaying my loan since 2014 on time all the time. I have a 6.125 % interest rate on the loan. Well the loan has not gone down in two years of making payments and I wanted to start paying extra amounts to be applied to the principal of the loan. Nelnet said that is not possible, they will take the extra amount, but they will apply it first to the interest and then to the principal. I seems to me that is an unfair practice since they will be making more money out of my loan.
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. 


FRAUDULENT ACCOUNTS : Account Name : XX/XX/XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XX/XX/XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX XXXX XX/XX/XXXX 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.
Product: Debt collection

I had to part ways with the University XXXX XXXX back in XXXX  XXXX and was being charged for XXXX XXXX accomodations. They removed the charge upon looking into my account but failed to also remove the {$150.00} associated late fee with that charge. I have since received voicemails from the schools Treasury department stating that I do not owe this money. I've repeatedly tried to contact First Collection Services ( FCS ) and they never answered and only got back to me after I left an intentionally vague voicemail, during which call I informed them they needed to confirm the validity of the debt, since I do not owe it, and they assured me they would call the University and look into it. They have since continued to send me increasingly threatening letters attempting to coerce me into paying a debt I don't owe, backed by seemingly active efforts to not answer their phone.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap BANK OF AMERICA Account Number : XXXX. 
Date open : XX/XX/2014 Please remove it from my credit report.
Product: Checking or savings account

I returned a message call from a man named XXXX who said he was from the fraud department of Bank of America, on XX/XX/2018. XXXX was not available to speak to me so I talked to a man named XXXX. I didn`t have a clue what this was all about. As soon as XXXX found out who I was, he started yelling at me that I was trying to steal money from the bank. He said that a check for {$9700.00} that had been deposited into my checking account was no good and all my accounts were going to be restricted and probably closed.Bill also said I had been used as a " MULE, '' by these people that had connections to XXXX XXXX. He gave me a reference number # XXXX. I was overwhelmed and shocked that this man was yelling at me and acting like I was a criminal! The bank closed my checking and savings account. They also closed my husband`s checking and savings accounts also. All of them were joint accounts, but the {$9700.00} check had been deposited into my checking account. I had several companies automatically withdrawing amounts for my insurance premiums, utilities, car payment, and other bills. Bank of America canceled all my automatic pays and returned all the requests for payment back marked " insufficient funds! '' I was so stressed, I didn`t know what I was supposed to do! All of the money we had was in our frozen accounts! The bank first told me my account was overdrawn {$880000.00}! Then the accounts were closed. I found out that the check that had been deposited into my checking account was drawn on XXXX XXXX XXXX, in XXXX, California, by XXXX XXXX. This man`s account had been closed and there were no funds to cover the {$9700.00} check. Now having banked with Bank of America for several years, I know that the bank policy is to hold any check that is deposited for 3-5 days, for the check to be cleared by the bank, before any of those funds can be withdrawn. In this case, the check was deposited on XX/XX/2018. I was advised of XXXX deposits on that day. This check, and a cash deposit that I had made at the bank for {$1900.00}. According to the bank, my checking account balance was, {$13000.00} on that day. The next morning, I wire transferred out, {$11000.00}, from my checking account. The bank allowed the transfer to go through and charged me {$30.00} for the transaction. Sometime after that, on XX/XX/2018, the bank must have found out that the check was not good and that`s when I got the call from the fraud department and my accounts were closed, or frozen. The bank took the money I had in my savings and put it in checking, trying to cover what they say I am overdrawn. I did have overdraft protection that gave the bank authority to cover an overdraft from my savings. I am upset that the bank took my automatic social security deposit for the month and XXXX of my XXXX deposits. I was part of a huge scam, and this was the final financial blow.
Product: Debt collection

I had difficulty paying rent due to the COVID-19 pandemic. I attempted to work with my landlord but they sent my account to a debt collector without any notification. 

On XX/XX/XXXX, I received calls and letters from IQ Data International, XXXX XXXX XXXX, XXXX, WA XXXX informing me of my debt. 

On XX/XX/XXXX, I responded, disputing the amount of the data, and requesting documentation verifying 1 ) that IQ Data International is licensed to collect debts in Connecticut, 2 ) that IQ Data International is authorized to collect this debt, and 3 ) that I am responsible for the debt. 

IQ Data International responded with a listing of my debt, which in addition to my rent included substantial additional charges. They provided no additional information. On XX/XX/XXXX, I responded, again disputing the amount of the debt and requesting documentation of license to collect debts in Connecticut and their authorization to collect this debt. 

On XX/XX/XXXX, I received a letter from IQ Data International threatening that without payment they would report my debt to credit bureaus. They did not provide any of the information I requested. 

On XX/XX/XXXX, I responded again, asking for the verification information. In response, they provided no further communication and reported my debt to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I have contacted the three major credit reporting agencies ( XXXX, XXXX and TransUnion ). I informed them that they had incorrect information. My name was misspelled, they had aliases that I have never heard of. So much negative, misleading and false information that I would like removed. 

They have ignored each one of my letters with my request for them to validate and remove all negative information. I also provided my license and proof of address. Yet, they still ignore my requests
Product: Credit card or prepaid card

A few months ago I noticed an email that was directed to my Spam account titled Your statement is now available online from CitiBank. Because I do I have a Citibank Card and it was automatically routed to my spam inbox I did not worry about. I then noticed at {$35.00} charge on my checking account concerning this card. When I called the company I explained to them that I did not have the card. I was asked to spell my name and it was then noted that my name on the account is spelled incorrectly. Citi Bank kept asking me for the card # since I do not have this information I can not provide it. They did close the account however they are showing a balance due.
Product: Debt collection

Noticed a collections on my credit report around XX/XX/2023. Contacted company & requested all information pertaining to me & this debt. I did not receive any information. I kept receiving calls to collect debt & advised each time the debt was not mine & to please send any information to me concerning this debt. Around XX/XX/2023, I placed a fraud alert with the credit bureaus. I have no knowledge of this debt. I am a victim of identity theft. I have previously made a report about this company on other cfbp reports.
Product: Credit card

Our Costco credit card was closed by Citbank Visa due to 4 payments that bounced. The 4 payment were NOT made by us, and were made fraudulently. We discovered this in the spring of this year, and noted that these 4 payments came from banks that we did nor recognized ( and we held no accounts there ). We explained this multiple times, always pointing out that our routine scheduled payments on the card came from OUR account using AUTO-PAY, and that these 4 fradulent payments were from DIFFERENT accounts. We have never missed a payment or bounced a payments because we use Auto-Pay.

Citibank simply refused to re-open the account despite no wrongdoing on our part. We have explained the situation in many letters and phone calls. As a result of Citi-banks closure of our card, our credit rating fell substantially. Additionally, we lost accrued points which have monetary value > {$400.00}. Finally, we may have been assessed fees for the fradulent deposits, and are uncertain as to those amounts. 

We tried to contact Citbank multiple times ( letters dated XX/XX/year>, XX/XX/year> and XX/XX/year> ), and also spoke to supervisors who understood the case, and yet the decision appears to be made by an entirely separate group of people that you can not speak to, and this is greatly frustrating. Each supervisor who looked at our account said that he/she understood, and would document our findings, which were valid. However, when they submitted on our behalf, we continued to be refused ( with no valid explanation as to what we, as customers, have done wrong ). 

We can not understand why someone would make fradulent payments to our account. But nevertheless, this happened, and it has led to a lot of hardship and stress on us. Thanks for contacting Citibank on our behalf to see if SOMEONE can actually review our case, and explain to us why our account remains closed. ( Why are we being held responsible for what was fradulent activity ).
Product: Mortgage

I applied for forbearance under the CARES ACT and continue to receive deceptive notifications for missed payments requesting a full payment to reinstate my loan. We are impacted by COVID and used the relief under the FHFA and CARES act. Quicken continues to use deceptive tactics to pressure me into a loan modification or refi that incurs fees and never offers the repayment approved by XXXX 's and FHFA for reinstatement of forbearance.
Product: Debt collection

After 2 years of terrible service and overbilling by XXXX XXXX we terminated our lease and service with them at a corporate store. This was done on XXXX XXXX 2017. Approximately 2 months later we received a letter from a collection agency demanding payment of {$720.00}. Prior to this we had not received any bills from XXXX since we cancelled our service. When we left the corporate store on XXXX XXXX 2017 we were assured that we had done everything necessary and we owed nothing more. When we called the XXXX customer service number listed on the letter we were treated very nasty and told they could not do anything and that we had to go to the corporate store to fix it. We then we back to the same corporate store on Sat XXXX XXXX 2017. We spoke to the assistanct manager there and showed her the receipts we had from the date we terminated service. She also looked everything up on the computer to confirm. We were offered a copy of the bill ( which we never received ) for service going past our date that we terminated our service. The assistant store manager agreed that we did everything that we were supposed to do and we called customer service while at the store. She verified to customer service that we returned and terminated on XXXX XXXX 2017 and that this was not an error on our part but in fact an error on XXXX part. The answer from customer service was there was nothing they could do even with the assistant store manager offering to give them proof. Customer service would not transfer us to a manager on their side and told us to take it up with the coolection agency. This is fraudulant billing and they are threatening to stain my credit. After searching online they have done these dirty business practices to hundreds of other people.
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/2023, this women with her XXXX is XXXX XXXX reach out to me, show interested on my bed frame I sell on XXXX  for {$280.00}. The next day, she want to paid on XXXX. And she used her own fake account of XXXX company to trick me. I never use XXXX before, so I got trick. 

First fake email from XXXX said, XXXX make the buyer ( XXXX ) transfer seller ( me ) {$200.00} to make my account become business account, they credit my money for {$480.00} include my bed purchase. 

Since I saw her email that sent me money, I send her back my money which is {$200.00}. Even though, I have received my money back yet. She XXXX the well fargo transaction screenshot to prank me. 

She keep doing it for 2 more time. Second transaction is {$300.00}. On the 3rd transaction, I did tried to call Well Fargo is this situation is a scams, but they didnt give a clear advise. So I continue sent it to scammer extra {$500.00}. And total I lost is {$1000.00} for 3 transactions. 

Her XXXX account is XXXX with name XXXX XXXX, enrolled as XXXX.