23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it May Concern : This email is regarding a concern/complaint I would like to make in regards to the company Progressive Financial Services. I called the collection agency on XX/XX/18 to make a payment towards my student loan debt through XXXX XXXX University. The reference number provided is XXXX. I called the company initially to make a payment towards my debt and I was told that I had to make 2 payment installments. I asked if I could make a payment arrangement based on my income and I was told that I could only make the payments if I made a down payment. I was also told that my loan was collecting interest daily and monthly, I found this to be strange and thus I called XXXX XXXX university. I was informed by XXXX XXXX that the loan was only gaining interest monthly at a rate of 5 % and that the loan does not accumulate interest daily. I called Progressive financial services back and spoke with a lady names XXXX who was extremely rude because I did not want to provide my phone number. And stated in order for her to see if I qualify for monthly repayment she needed to ask me several questions. XXXX stated how can I answer these questions if I am not even willing to give my phone number. I asked XXXX about the FEEL program she stated that I might not qualify for this program and that the correspondence between the school and the collection agency could pose a delay. XXXX suggested to make a down payment of $ 300+ with monthly installment of $ XXXX. I told XXXX I could not afford this and if there were any options she said I could make payments online and with sarcasm she stated you must make 9 consecutive payments in order to qualify for the FEEL program. I felt ridiculed and as if I was bothering her with my questions. XXXX did not help me and stated she could not give me any additional information regarding the person who deals with the FEEL program. I would appreciate if someone could get back to me immediately through email or phone call to XXXX
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 {$500.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.
Product: Mortgage

I had applied for a modification on my property and have received more than  XXXX  modifications in the pa st 7 + ye ars. I had applied 1 year ago and the process took the whole year to give an answer. In the meantime m y Condo Association has  filed to foreclose on my Condo for past due fees. In NJ there can go ahead of the First Mortgage. In  XXXX  of  XXXX  I filled a Chapter  XXXX  Bankruptcy. I was asked by my mortgage company to continue submitting documents to hopefully get another modification. Since filing for the Chapter  XXXX  bankruptcy there have asked for documents in many many different forms that were very strange. They wanted proof of income but in  XXXX   XXXX  they told me a  XXXX  was not proof of income. I was in the mortgage business 20 years ago and could not believe this was true. I did finally send an acceptable document and then they rejected my application but failed to send anything in writing to me or my attorney ( They have said many times they had sent documents. Never. ) I was told to apply again but The response which was also not sent was that that they could " not lower my payment by 20 % and therefore I was rejected  ''. ( This only took 2 weeks. ) I  spoke with my mortgage rep at the mortgage company and he was able to email me the letter. I then read my local newspaper  XXXX    XXXX   XXXX    XXXX  and saw that you are suin g Ocwen Loan Servicing a nd that is my mortgage company. I also have had a add-on of property insurance and it took, me 18 months of fighting and just  3  week ago they agreed I was right and credited the money back to my escrow account. I can not get a copy of my escrow to see if there are any other add-ons that need correcting. I do n't know what can be done but this company will not talk to me. or my attorney. I am a recovered  XXXX   XXXX   XXXX  patient. My health is doing very well. I have been able to increase my income and I was told that was the reason for the last modification denial. Now the reason has changed. I do n't understand there current reason and do not know what to do to save my home. My chapter  XXXX  may be able to work but Ocwen 's reason is the modification denial is making that impossible. When I read the newspaper article I thought I should contact you for your help.
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX, my XXXX XXXX was compromised, leading to unauthorized access to my personal information. Since then, the fraudster has made multiple attempts to apply for credit cards and loans using my details, including my date of birth, Social Security number, and addresses. I recently reviewed my credit report and found numerous unauthorized inquiries from various banking institutions in XXXX and XXXX. Additionally, I have had fraudulent charges on my credit card, and the fraudster has applied for subscriptions that I did not obtain. The merchant is now attempting to collect through a collection agency. I did not apply for these credit cards, loans, or subscriptions, nor did I authorize these institutions or merchants to access my credit report or personal information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX via XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX XXXX XXXXXXXX Request On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX via XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, 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. 

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, has violated my rights .

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

15 U.S.C 168 1 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: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter
Product: Debt collection

From XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have received non stop called from different numbers from a company called portfolio recovery. I talked to one of the ladies and she was insanely rude and displeasent to talk to. All the numbers are : 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 reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in a fraudulent account being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of this fraudulent account to ensure the accuracy of my credit report. 

Account : XXXX / XXXX XXXX XXXX / XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Mortgage

Specialized Loan Servicing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX Since XX/XX/XXXX  Ive been trying to cancel my escrow account with Secialized Loan Servicing, LLC ( SLS ). 

Id rather pay my taxes and insurance directly and invest the extra money for a small return during the year. Nowhere in my contract does it state I must have an escrow account. Ive talked with these people, who are totally incompetent, as you will see below, for hours on end and below are some of the reasons theyve given me as to why I cant cancel my escrow. The most viable reason being it was a requirement at the time of the loan. However, there is nothing in my contract that indicates this. Ive asked if I could just send them the total amount for my annual escrow which would lower my monthly mortgage payment, $ XXXX vs. $ XXXX. Their response was I couldnt do that. 
On XX/XX/XXXX, I contacted XXXX XXXX  who holds my mortgage loan and they are in contact with Specialized Loan Servicing to find out why I cant cancel my escrow account. They cant get any answers either. When you call Specialized Loan Servicing, you can never speak with a supervisor youre told a supervisor will call you back. If you miss the supervisors call they dont leave their name just the regular number so the entire process starts from the beginning. The last person I spoke with informed me they sent a letter telling me I cant cancel my escrow, said she '' d have a supervisor call and hung up on me. Following is a list of reasons they gave me, in order, on the different calls I made to them. 

You cant cancel your escrow because you live in a manufactured home. 
You have an FHA loan ( I do not ) You have a XXXX XXXX loan and their guidelines say you must have escrow. ( I do not ) Your loan is secured by Bank XXXX New York XXXX ( it is not ) Escrow Account was a requirement of the loan. ( Nothing in my contract states this ) You have a {$400.00} negative balance in your escrow account ( due to a mess up with my insurance. Told them I would pay it immediately. They said I couldn't because I had to wait for the escrow analysis. I also asked if I could just send in the total dollar amount for my escrow for the year and they said NO During the past month and a half I was doing research to find out who held my mortgage. After calling XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX XXXX XXXX secures my mortgage and have no requirements that I must have an escrow account. ( Case # XXXX ). XXXX at XXXX XXXX is working on this but she can not get an answer. SLS just sends them a copy of XXXX XXXX regulations that don't state I must have an escrow account. 

During this time Ive contacted a real estate attorney and hes never heard of not being able to close my escrow. 

Being a retired XXXX, cancelling my escrow will help me financially. It would keep my mortgage payment at {$430.00} instead of {$670.00}. The additional monies could be be invested or used for other things. 

They CAN NOT give me a valid reason why I can't cancel my escrow account. Makes me wonder what they are doing with my money,
Product: Student loan

In XXXX of this year I asked Navient, my student loan company, to change the due date from the beginning of the month to the XXXX of each month because it would make it easier for me to make the payments. As a result of this simple request, to which they had agreed on, I have had nothing but problems with my monthly payments. First, instead of changing the dates they put my loans into forbearance without my authorization. I found out about this the next month when i saw my statement showing the total loan amount increased instead of going down despite the extra payments they had ask me to make. They kept billing me different amount for the next XXXX month telling me I have a past due amount. After having talked a dozen times to different representatives and several supervise who kept telling me the problem was resolved, I was told that I had overpaid XXXX loan ( i have XXXX loans with them ) and that they had applied all the finds to XXXX single loan instead of dispersing it evenly among all the XXXX loans. Once again they told me it is resolved and I should wait two days and the record in the computer would update and it never did and they keep billing me different amounts, they are constantly calling me that i owe money and my payments are past due and this is been going on since XXXX of this year. At this point i do n't know what to do or who to call to get this situation fixed so that I can make my monthly payments the way that I have for the past several years, but unfortunately no one knows what they are doing and every time they tell me the exact same thing that it is taken care of and that I should wait two days for the computer to update and two days later I get calls again and the same things repeats. Please, this is a desperate call for help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$7400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of serious concern regarding a hard inquiry on my credit report conducted by Capital One Bank on XX/XX/year>. This inquiry was not authorized by me, nor was it conducted with my prior knowledge. After discovering this issue, I took immediate action and filed disputes with all three major credit bureaus : XXXX, XXXX, and XXXX. 

I am pleased to inform you that XXXX has already removed this fraudulent inquiry from my credit report. However, XXXX and XXXX have yet to address this issue. I have also reached out to Capital One 's Fraud Team, who, after a thorough investigation, confirmed that the hard inquiry was indeed fraudulent. 

Given these circumstances, I request that Capital One take the following actions : Confirm Removal of Hard Inquiry : Please confirm in writing that the fraudulent hard inquiry will be removed from my credit reports with XXXX and XXXX.
Product: Payday loan, title loan, or personal loan

I needed a small loan for my car insurance deductible, and I applied for a loan online. Emoney usa called me and offered a {$600.00} loan. I excepted the loan, but once I added up the total amount I was to back I immediately called back to cancel. They told not to worry about the total because I could pay the loan off sooner. The total amount to pay back is {$2000.00} for a {$600.00} loan. I've paid back {$1100.00} so far. I don't want to ripped off for anymore money.
Product: Credit reporting or other personal consumer reports

HSBC ACCOUNT # XXXX I Had a loan with HSBC and have NEVER LATE. The account was enrolled in CARES ACT in XX/XX/XXXX- AND WAS IN THE PROGRAM UNTIL XXXX OF XXXX. 

HSBC VIOLATED THE CARES ACT by reporting my account 30 DAYS LATE in XX/XX/XXXX. 

I would like this to be resolved. I have contacted HSBC via phone and letters on multiple occasions and issue to this date has not been resolved. 

Thank you.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, ZIP Code : XXXXXXXX XXXX XXXXXXXXEmail : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Charged-Off Status under FCRA To Whom It May Concern, I am writing to formally request the removal of the charged-off status associated with my accounts listed below from my credit report. This request is being made in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate, complete, and verifiable. 
Accounts in Question : 1. XXXX ( Account Number XXXX ) * Charged-Off Amount : {$6100.00} * Date Opened : XX/XX/XXXX * Status Updated : XX/XX/XXXX XXXX. XXXX XXXXXXXX ( Account Number XXXX ) * Charged-Off Amount : {$4000.00} * Date Opened : XX/XX/XXXX * Status Updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX ) * Charged-Off Amount : {$12000.00} * Date Opened : XX/XX/XXXX * Status Updated : XX/XX/XXXX Reasons for Removal Request : 1. Inaccurate and Misleading Reporting : The payment history for each of these accounts displays multiple charge-offs ( CO ) reported for several consecutive months. According to the FCRA, a charge-off should be reported only once. Reporting multiple charge-offs for the same account is both misleading and inaccurate, potentially causing unjust harm to my creditworthiness. 
2. Inconsistent Payment History : The repeated entries of charge-offs and late payments post-charge-off date are contradictory and raise concerns about the accuracy and validity of the information being reported. 
3. Lack of Verification : As per Section 611 of the FCRA, if the information provider can not verify the accuracy of the information within 30 days, it must be promptly deleted from the credit report. I request a thorough investigation and verification of these entries. If the information can not be verified, I insist that the charged-off status be completely deleted from my report. 

Requested Actions : 1. Conduct a reinvestigation of these accounts and their reporting status. 
2. Permanently delete the charged-off status if the information can not be verified or if inaccuracies are confirmed. 
3. Provide me with updated copies of my credit report reflecting these changes. 
Please consider this letter as a formal dispute under the FCRA and initiate the investigation process immediately. I expect a response detailing the results of your investigation within 30 days. Should you need any further information, feel free to contact me at the phone number or email provided above. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this letter because I sent letters to XXXX Transunion, XXXX, XXXX XXXX, and XXXX XXXX about this Bankruptcy on XXXX XXXX, 2021. I have yet to receive any correspondence about the letters I sent about the validity of them reporting this alleged Bankruptcy on my Consumer Report. Pacer and The US Bankruptcy Court does dont report or verify this information to any 3rd Party Credit Bureaus or Agencies. I have requested the documentation of the information that they have personally verified themselves for this alleged Bankruptcy and I have yet to receive any documents about the verification of this alleged Bankruptcy. 
It has been over 60 days and its still reporting on my Consumer Report and because you have not responded in a timely manner or provided any documents to support the alleged Bankruptcy. The Bankruptcy must be removed from my Consumer Report Immediately. I received a letter from Transunion on XXXX/XXXX/2021 saying that they verified this Bankruptcy but failed to provide the proof the validity and of any documents and source of the bankruptcy. Pacer and The US Bankruptcy Court does dont report or verify this information to any 3rd Party Credit Bureaus or Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bankruptcy reference # XXXX has inaccurate reference numbers, inaccurate court locations, inaccurate date filled/reported on all three credit bureaus making information invalided