23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I co-signed for a loan for my granddaughter with Sallie Mae while she was in school at XXXX. They tried to make her start paying for the loan while she was in school. After graduation, she setup payment with Sallie Mae. Then Navient took over and double the payments and double the amount that she borrowed. They said that she had not paid enough on the loan. Now I received letter from XXXX XXXX offering me a settlement to get my name off the loan but saying that she would be still responsible for the total amount owed. No one has contacted my granddaughter by phone or mail. They have been just contacting me with an abundance of letters demanding repayment from me for co-signing the loan. I am going thru XXXX with XXXX and do not have what they are asking for to settle. I have requested that they work with my granddaughter since she is still paying Navient.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting or other personal consumer reports

Collection agency is not licensed to collect debts in my state and therefore debt is invalid. Credit bureau has not provided any documentation but has not removed inaccurate account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported this to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. thank you
Product: Debt collection

On XX/XX/2023 I canceled my auto insurance with XXXX. Then in XXXX I receive a debt collector on my credit report. For unpaid auto insurance as XXXX is trying to bill me after it was canceled. I called them and told them I fact they owe me {$200.00} as it was just payed the day I canceled. This was not refunded and still shows a debt on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Product: Debt collection

I am filing a complaint regarding an unauthorized withdrawal of {$500.00} from my account by XXXX XXXX XXXX XXXX, in addition to the fraudulent charge that led to collection efforts, despite clear documentation of the fraud. 
Amount Taken by XXXX XXXX XXXX XXXX : {$500.00} ( not related to the fraudulent charge ) Action Taken by Me : Upon noticing the fraudulent charge, I immediately contacted XXXX XXXX XXXX XXXX to report the issue. My account was frozen without prior notice or explanation, and the credit union took {$500.00} from my account, which was not related to the fraud. 
I filed a police report, identifying the fraudulent charge as part of a scam involving an Indeed job listing. A copy of the police report was sent to both the credit union and the collection agency. 
Actions Taken by XXXX XXXX XXXX XXXX : Despite providing the police report and reporting the fraud, I was not properly notified about the status of my account. In addition, XXXX XXXX XXXX XXXX took {$500.00} from my account, which had no connection to the fraud, and froze my account without explaining the reason for the withdrawal or notifying me in advance. 
My account was frozen, but I was not given an adequate explanation or timely notice. 
XXXX XXXX Involvement : I received a collection notice, demanding payment of {$3000.00} related to the fraudulent charge. 
I responded to the collection agency immediately by sending a copy of the police report and explaining that the charge was a result of fraud. After this, I did not hear from them for several months. 
However, I received a second bill from the same collection agency for the same charge, with no communication regarding the resolution of the dispute or the police report I provided. 
What I Want : I am requesting the following actions : 1. That XXXX XXXX XXXX XXXX review the situation, return the {$500.00} they took from my account, and remove the fraudulent charge from my account. 
2. That the collection agency cease their collection efforts until the matter is fully resolved. 
3. That no further negative reporting be made to the credit bureaus regarding this matter. 

Please let me know if you require any further information or documentation from me to assist with the resolution of this issue. 

Thank you for your attention to this matter. I look forward to a prompt and fair resolution.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX XXXX dollars was taken from my Chase Bank account from an atm at the XXXX XXXX XXXX XXXX XXXX XXXX Ga location. My debit card was stolen at some point. I never received the debit card nor did I activate it. I told chase bank this information. At XXXX I noticed my account had been used. I called Chase Bank Customer Service to report the incident at XXXX. The debit card was cancelled. On XX/XX/XXXX they put the money back into my account. I was also sent a new debit card. The following month on XX/XX/XXXX they declined the claim and took the money back out of the account. They reversed the claim without properly researching my case. The atm video footage was never checked and the phone number that activated my card wasnt tracked. Chase told me my claim was denied because the claim took place in the same city I live in. I live in XXXX XXXX, ga and the fraud happened in XXXX, ga. The two areas are about 30 minutes apart. Ive never been to that banking center. Chase said the transaction was pin based and wasnt indicated as being comprised but I did in fact tell chase my card was stolen and I did not activate the card. Which makes the pin compromised.
Product: Checking or savings account

When I spoke to the bank, I was told that XX/XX/XXXX there was a transfer from another member to member bank account with Navy Federal for {$4500.00} and I have spoke to the bank three times today was the last time I spoke to the bank and I was told that even though I gave them documentation proof from my cash app statements that no money of XXXX was took out of my bank card into XXXX XXXX that I would still have to pay it even though it showed no proof of me taking money out of my bank that day especially not {$4500.00} because I didnt even have a job at the time Im XXXX years old so I definitely dont know how I wouldnt even got that money I was told that after the transfer was made into my account, it was took out and put into XXXX XXXX. Thats why I showed them my statements from the entire month of XXXX. After speaking to them all three of these times, Im still told that I have to pay for this and Im not even sure where the money went or how it got in there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX, Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$21.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$21000.00} Highest balance {$0.00} Terms 72 Months On record until XX/XX/XXXX I am writing to request that you provide me with information regarding your reporting of information to consumer reporting agencies ( CRAs ). Specifically, I would like to know what information you have reported and to which CRAs. 

I would like to make clear that I have not given permission for you to provide my credit report to any third party for any purpose other than those allowed by USC 15 1681b. This statute outlines the permissible purposes for accessing consumer reports, which include : Credit transactions Employment purposes Insurance underwriting Government licensing and benefit determinations Court orders Legitimate business needs Any other use of my credit report without my express permission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Therefore, I request that you provide me with information regarding your reporting of information to CRAs, including the information reported, the date of the report, and to which CRA the information was reported. 

I also request that you investigate any disputed information on my credit report and correct any inaccuracies as required under USC 15 1681s-2. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

this started with complaint XXXX .   Wells Fargo who bought my VA loan has complicated my ownership of parcel   XXXX   XXXX  . I contacted CFPB and they helped clear this deeds legal description. all when well. this was apparently straightened out. Then at the refinance the lot was completely disreguarded. no record of it. after months of straightening things out, Wells Fargo is very slow. nothing is done by e-mail. all snail mail.
It appears they are working with my municipal tax office to manipulate ownership from me.
Product: Credit reporting or other personal consumer reports

1681 ( e ) ( b ) states " Accuracy of report ; 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 ". Everything on my credit report should have the most maximum possible accuracy. XXXX XXXX XXXX has been reporting account ending in XXXX as CO, which stands for Charge Off. Twice, stating this account has been charged off XX/XX/year> & XX/XX/year>.
Product: Student loan

I have been XXXX since 2011. I have been dealing with this since 2011 and I will explain best way possible. XXXX has been taking money out of my XXXX check when I have sent paperwork in 3-4 times over the years. When I contact them on phone they tell me they have n't received any paper work but this is what we can do for you to give you time to send in again.dl they would say we will hold off for 2-4 months to give you time. 
after I send paperwork in immediatelty a month or 2 would go by and they will start taking over {$200.00} again. I do n't understand I would tell them I know I sent paper work in. I would tell them you see where you taking money from you know I have been XXXX since 2011 and you keep taking it. they would saour yes ma 'm we see its coming out of your XXXX but we need paperwork from doctor. this has been taking a real burden on me. this past month they started taking money out again and caused major chaos in my life. did n't have enough money to pay my bills or for co payments to doctors I have to see. so I had to skip some appointments. 
all i want is someone to help me to stop them from taking what I have proved. I am a small town XXXX person who really does n't know what to do. They saying I owe over {$8000.00} now and I am like how when I have sent paperwork in time and time again. please someone help me
Product: Mortgage

Finally, after several years of hard work we are finally able to refinance several of our loans. XXXX was a condo, XXXX was a XXXX Plex and now the third is a rental property. There is a first mortgage owned by XXXX XXXX {$45000.00} in which I want to add {$22000.00} to make it a {$72000.00} loan. The HELOC owned by Bank of America at {$97000.00} is the problem because they will not allow subordination. The reason is I just spent {$22000.00} ( I have receipts ) on new siding, new roof, new gutters, new deck as it was original from XX/XX/XXXX and XX/XX/XXXX. In other words, it was a needed repair and it also helped increase the value when I received my appraisal. The lender I used saw no problem with getting my savings returned as she has been in the business for 15 years and has not been turned down. I even called several banks and Bank of America verifying this and they said I would be able to qualify for a loan. There are several reasons Bank of America should approve our loan : This loan was purchased as a rental and the HELOC was secured as a rental. It has been owned for 10 plus years. It has a low loan to value ( Equity {$100000.00} ) Never in 30 years have we been late on a mortgage payment. {$22000.00} was spent on property which helped increase the value and it 's located in XXXX. We have been a solid Bank of America customer for 30 years. Good credit score XXXX. No credit card debt or car payments. Recently refinanced a condo and XXXX plex. I 've been approved for this property to refinance and we are in a time sensitive lock and Bank of America has given us every excuse ; verbally told to me, 'its a rental ' 'and 'they do not do subordinations on rental properties '. I find this hard to believe. The fact that they have a Subordination Department means that they can do this and we have plenty of equity for Bank of America to approve our subordination. Not only that, we have been their customer for years.
Product: Vehicle loan or lease

On XX/XX/22 I went to XXXX XXXX XXXX on XXXX XXXX XXXX, in XXXXXXXX XXXX  to get an appraisal of my vehicle. I didnt know they were going to run my info with Capital One when Im already financing the trade in car with Capital One. My complaint is why run me info with capital one when im already in a loan with them?? my Second complaint is Capital sent me a letter of denial for an auto loan because of recently returned payments on existing capital one accounts due to insufficient funds! I have several accounts with Capital One, one being an auto loan and three credit cards along with savings and checking accounts and all accounts are active and in good standing! it was very insulting to say the least that there were returned payments it was one time that happened all because my auto pay was set up with the wrong account! 
I am ending my complaint by saying XXXX shouldnt have ran my info with Capital One when I have an active loan with them and Capital One should not base a decision off of one returned payment that was not recent and nonetheless I am a LOYAL CUSTOMER AND I HAVE BROUGHT BUSINESS TO THAT COMPANY BY GETTING PEOPLE TO GET THEIR CREDIT CARDS THAT THEY WERE APPROVED FOR! HOW DARE THEM!!!!!!
Product: Credit card or prepaid card

I sampled a free trial with a company XXXX XXXX and registered my Capital One card with them, The free trial was cancel or {$69.00} per month, I Cancelled within the date provided, XXXX XXXX continued to mail their products in which I mailed back to them with letters of cancellation. Going online to call them, there is no number or address to mail direct correspondence to them to cancel via call or mail. Explaining this to Capital One and having their CSR go online and witness that there's no way of contacting them, they forced me to pay for items that I did not order and returned to them, I told Capital One to close my account immediately and I will not pay {$69.00}, they continue to charge me outrageous fees that continue to accumulate because of their agreement, which means I'll pay thousands of dollars for something I never ordered and do not have. That in it self is criminal and should be prosecuted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX-remove line per FTC, XXXX & XXXX XXXX XXXX XXXX? XXXX XXXX XXXX XXXX? XXXX XXXX XXXX taken out fraudulently-still paid in full-zero balance, never late, never charged-off or sent to collections Delete " Dergoatory '' status under Account Details & in collections/charge off from account status-there is no collection or charge off account-line does not even exist on on other reports... 

Delete-comment " Payment after charge off/collection Purchased by another lender ''
Product: Debt collection

On XX/XX/XXXX I got a call from XXXX & XXXX XXXX # XXXX stating that they had a complaint from a Payday loan XXXX XXXX XXXX I explained to the Rep. that debt was placed in a bankruptcy in XXXX Rep stayed that he sees the bankruptcy riled and will no longer contact me on XX/XX/XXXX I got another call from XXXX XXXX from XXXX XXXX XXXX XXXX stating that he was calling because of the same complaint and that my bankruptcy does not cover that debt because it was a chapter XXXX  and I still owed the debt tried to explain to him that I didn't want anymore calls and stated I would file a complaint with CFPB stated that that not scaring anybody and hung up on me. Voice message calls states that they are taking me to court and garnish my tax returns
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a factual dispute to Experian pointing out inaccuracies XXXX XXXX XXXX XXXX was reporting. I've disputed XXXX XXXX repeatedly reporting " Charge Off '' on my account and XXXX XXXX XXXX. I am aware the creditor has the option to update its reporting however it came back as verified. I have sent several requests for them to provide me with the method of verification used to verify the information being reported those request came back with a credit report and a updated saying verified. Please see attached at this point I am requesting a deletion of this creditor from my Experian report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Undersigned having full control of Trust revokes all permissions to the Government and/or any political subdivisions/Organizations to use copyrighted TRUST name XXXX XXXX XXXX or trust in any fashion excep1 by explicit written request/order in direction otherwise. Said name belongs to Trust in operation by trustees wherein the government/agencies thereof have no control as Trustee/Secured Party/Bailee having full mental capacity and ability to contract as well as natural right to trust holds a common-law trade-name, trademark, XXXX XXXX XXXX as authorized representative ( Attorney-In-Fact ), as well as established validity of the Power of Attorney by continual non-contested use. The Private Offset Account established in the name of TRUST is the property of TRUST as well as any value that has been deposited in Private Offset Account is the property of TRUST, as any such value was created from the credit thereof. Account will remain in effect with appointment of fiduciary by Form XXXX. 

The Placing of an Unlawful or Improper XXXX, XXXX, Impoundment, or Garnishment against any funds, bank accounts, savings, accounts, XXXX! XXXX funds, investment funds, social security funds, intellectual property, or any other property belonging to the XXXX XXXX by any agency :