23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been dealing with XXXX XXXX XXXX and their representatives, Ewing & Ewing for over 7 years on a debt they purchased for pennies on the dollar. InXX/XX/XXXX, I made an offer to settle debts, after them having collected sums over the years, for a sum of {$5000.00} which was an amount I was barely able to gather. They refused the sum and countered at {$30000.00}, not entertaining any other viable and reasonable negotiations. Their representative from Ewing & Ewing proceeded and placed a garnishment on my wages which grosses me, on average, less than the take home of a person on minimum wage. I asked again, in writing, that they end garnishment on XX/XX/XXXX, as they have collected over {$26000.00} from me toward the debt and I felt this was a fair and reasonable resolution. The only response was a " Thank You '' for my email and I'm on the edge of my finances going past 30 days, barely enough for food and on the brink of bankruptcy. All I ask is for them to consider and resolve the matter as outlined a year ago. They have no inventive and continue to steal money from my family as I work hard to make it.
Product: Mortgage

Apparently, my homeowners insurance had gone up in cost and there was a shortage in escrow account after flagstar bank had ran an analysis. 

I never received any notification of a higher mortgage payment needed and I continued to pay the regular cost. Flagstar moved my payment to a suspense account and flagged my loan as not paid for the month of XX/XX/XXXX. I usually pay the loan through the my personal bank, but coincidentally I needed to login to flagstar 's website to make sure I wasn't late, making the XX/XX/XXXX payment because of the holiday. I then discovered there was a higher cost to the loan, which I paid. 

I received a letter in the mail over the weekend of XXXX XXXX, stating that the loan servicer flagstar bank had assigned a loss mitigation team to my loan in an attempt to collect a debt. I then proceeded to scour the materials in the flagstar website to figure out where the problem with the payment was. There was never any clear explanation as to why my payment was in suspension and I had to research and deduce the problems by using XXXX. 

When I spoke to a representative at flagstar they informed me that they sent a letter in the mail stating that the mortgage escrow had a shortage, but I never received anything in the mail. The representative stated that since flagstar hadn't received the letter they sent back, that they must have delivered the letter and I must have seen it. I am not sure how the flagstar rep was able to know so quickly that nothing had come back from the post office. 

With the culmination of no communication from flagstar and them moving my payments into suspension and still no communication, I feel this was a concentrated effort to provide a situation where I could default on my loan. 

Their communication was poor, and I have had many challenges figuring out how to permentallly receive written communication as their website is relentless in making it difficult to remove paperless billing and contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three bureaus continue to report inaccurate medical information on my credit report. They are originally removed and placed back on my credit profile causing impact and violating my rights and HIPAA rights and need to complain. IN addition there are collection accounts for and account I never had and showing open yet in collection and no proof of contracts have yet to be provided in my 3rd attempt.
Product: Credit card

XX/XX/XXXX statement for my XXXX XXXX had 4 fraudulent purchases on it for a total of {$210.00} from XX/XX/XXXX and XXXX XXXX. I immediately called XXXX  to inform them these were not charges I made and were fraudulent. XXXX cancelled the card and issued a new one. Assumed matter was taken care of as I did not receive a bill for billing cycle XXXX XXXX XXXX XXXX XXXXXXXX. I then received a bill for billing cycle XXXX XXXX XXXX XXXX with the new card number and the same fraudulent charges. I called every time they sent me a statement. I wrote a letter to Synchrony bank in XX/XX/XXXX to no avail. They kept sending me emails, text messages and phone calls daily harassing me for payment. I called and told the XXXX I retained legal counsel in XXXX and to not contact me about this matter and refer to my attorney.She sent a letter XX/XX/XXXX with no response from Synchrony bank.She resent a letter on XXXX XXXX
Product: Credit card

Dear Citibank, I would like my accounts reconsidered and to be re-opened and remain opened and my great relationship with Citibank to be re-opened and remain opened. 
Credit cards needing to be re-opened and remain opened : 1. Citi/AAdvantage Platinum Select World XXXX XXXX ending in XXXX 2. Costco Anywhere XXXX Card ending in XXXX 3. Citi XXXX XXXX XXXX ending in XXXX 4. Citi XXXX XXXX ending in XXXX As a loyal Citibank active member, I need my accounts and great relationship with Citibank to be opened. 

In the past 6 months or so, I have talked to many representatives who misheard me or gave me wrong information regarding my accounts when I was simply trying to get new account numbers as someone was gaining access to my account and me misplacing my wallet. I was told it was an error but still have not gotten my 4 cards re-opened yet due to this error. 

In the midst of all of the confusion, which was also my fault because of miscommunication, it triggered activity on my one of my accounts leading to someone closing all 4 of my accounts today in error. I am also not very technologically savvy and have a XXXX. It was a simple request to get new numbers due to someone gaining access to my account and me misplacing my wallet. I had not even gotten the chance to use my Platinum card which is what I was excited about. Moreover, this is going to hurt my credit score ( as I have a combined {$36000.00} credit limit on all 4 of my credit cards ) and will overall hurt my credit really badly so I want to avoid this. I am also traveling soon and will need to use all 4 of my credit cards.

I would like you to please reconsider the closure of all 4 accounts and please re-open all 4 cards with new numbers and send them overnight to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX I have developed an action plan and will do my due diligence moving forward to have optimal security avoid any misplacements or even fraudulent activity. I can assure you, this will never happen again. I also placed extra security including security alerts on both my social security card and the credit bureaus. I am also happy to oblige and comply with any further action plans that Citibank may want to ensure my security. 

I am appreciative of you re-opening my cards and sending me new numbers. Please do not close any of my accounts again. Please re-open and keep open my great relationship with Citibank. 

Thank you for your time, understanding, and patience and thank you for re-opening all 4 of my cards.
Product: Credit reporting or other personal consumer reports

Please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. The account was opened XXXX. This account and debt should have been ceased as of XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense I expect the following account to be deleted from my credit report within 7 days : JPMCB CARD XXXX. Your company is not only in violation of FCRA violations for trying to collect on an expired debt, but you are also reporting inconsistent information to the credit reporting agencies when all data furnished should be complete and accurate. How are you reporting different payment history, balances, and date last active for the same account? This is clear negligence, defamation of character, and gross misconduct. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 7 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your organization has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. See attached account referenced.
Product: Debt collection

I have repeatedly contacted by Kohl 's. I do not owe a kohl 's charge card any longer and I've always paid my bill in full and on time. I am being called almost everyday and the last time was today at XX/XX/XXXX at XXXX by XXXX.
Product: Checking or savings account

On XX/XX/2021, morning of I checked my account online my phone app. Shocked as there were 206 transactions unauthorized by XXXX TEST, INTERNET, CA, USA ). AND ( XXXX * Test, XXXX, CA, USA. ) XXXX #, CA, USA. AS WELL AS ( XXXX Test, XXXX XXXX, CA, USA These charges were unauthorized and had taken {$240.00} out of my Account in which was part of the second stimulus $ received. They took every bit of my money i had to live on until the XXXX of XX/XX/2021. These Unauthorized Transactions Date on XX/XX/2021. they started and commenced at XXXX ended XXXX.. XXXX transactions in the amount of {$1.00} Each = {$160.00}. - XXXX transactions in the amount of {$1.00} Each = {$77.00} Total Loss {$240.00}. I did report and called Direct Express as soon as i seen my account money gone. He canceled my Debit Card. Issued a new card by mail in which i did not Receive until 11 days later. He took my information then read it back to me. I corrected him as he stated 120 unauthorized charges. I repeated to him that was not the right calculations. Informed him of the correct amount twice. I received the Paperwork 7 seven days later. He still had the amount incorrect. As soon as I received the papers I Crossed out the Wrong Amount and put the Correct amount beside it. And explained this was not the correct amount. I sent the papers back the same day. On XX/XX/2021 i noticed a credit Adjustment to my Account in the Amount 4 XXXX. I then called Direct Express to inform them this was not the correct calculations and still due me the remainder of {$120.00} back to my Account. I have called Repeatedly waited on hold for hours, then when someone answered. I explain it over again, One of the Representatives even went as far to tell me of the college degrees she has, also she would not be working there if she did'nt have the knowledge. I took that as a major Assault on my Dignity. The last time I spoke with with Direct Express I still have not Received. Since they have Closed my Dispute. I am So very confused of there mentality, And disregards of this matter. I Have not Received any letters of the conclusion and Investigation Process. I Fully Believe there investigation was not fully done correctly. They would have seen there error s. all starting from the beginning of this investigation. Did they not read my unauthorized Transactions paper work I corrected, Filled out with a total explaination. I Truly Pray this will finally have a Positive input, As they need to Correct all the mistakes they have made. And Award me the Credit Back as Due, And taken from me. All the Stress, of it all. Not Right. I AM ASKING YOU TO DO YOUR JOB RIGHT, I PRAY THIS HAPPENS, I HATE TO THINK OF THIS HAPPENING TO SOME OTHER VICTIM. I AM SURE I AM NOT THE ONLY ONE THAT HAS HAD TO FIGHT FOR WHAT IS RIGHTFULLY THERES.
Product: Credit reporting or other personal consumer reports

I received notification from multiple credit monitoring companies on XX/XX/year> that a hard inquiry was submitted for me by Capital One. I immediately put a freeze on all three credit reports. I then contacted the number for Capital One provided by one of the credit reporting agencies. Capital One could not locate me in their system and kept telling me they were not credit experts. No additional help was provided. I submitted a dispute with XXXX and XXXX ( XXXX will take longer, as they require a letter be mailed ).
Product: Mortgage

PNC refused to modify my mortgage after my bankruptcy.My payment jumped from XXXX to now over XXXX.I had a first mortgage and second mortgage taken through XXXX XXXX as successor to PNC both discharged in a bankruptcy, the first is still with PNC and the 2nd had been assigned to XXXX for collection.There were many errors made by XXXX XXXX into PNC, XXXX, XXXX and XXXX and XXXX and everyone who touched both loans regarding collection and servicing of the loans.PNC eventually acknowledged these errors and agreed to discharge the mortgages.They contacted me and put in writing that the mortgages would be discharged.They discharged a mortgage on a property I haven't owned in years but never discharged the mortgages that I currently have and were included in the Bankruptcy.They keep saying they will but haven't.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is currently reporting that I have : 1. A revolving utilization of 125 %. The is wrong because I currently have no revolving accounts. 
2. 30 Accounts with balances, when I only have 25. 
3. Total ending balance on revolving and open-ended accounts of {$11000.00}, when I have no valid accounts. 

This information is wrong and needs to be updated.
Product: Student loan

I first tried to find when my monthly statement would be available ( day of the month .. date or XXXX  XXXX  or something like that ) on the website. 

I tried using their " Live Chat '' only it is misrepresented because it is not a live chat .. just a XXXX bot. 

Then I tried emailing and got an email back ( several days later ) that said they were too busy to reply to my email and provided a list of useless, non-applicable, general links that failed to address my problem. Obviously a human nor a smart AI never read my email. 

Then I tried calling and after waiting 3 hours.. I hung up.

Just imagine if I had a real problem.

Why is it OK for NelNet to waste my most precious commodity- my time.

Great Lakes ( my previous loan servicer ) was WONDERFUL!!!!!!!!!!!!!!!!!!!

Which government agency ( a specific person would be great ) had oversight in approving the sale of Great Lakes to NelNet. They certainly didn't do their due diligence or quality customer service must not have been a criteria in approving this merger. It is obvious to me through this experience that NelNet is more concerned about making a profit than it is about helping customers in a timely fashion .... or in my case .... even at all.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX / XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX - XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate. Ive never made a late payment on this account, please correct. 

XXXX. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please investigate. Ive never made a late payment on this account, please correct. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past si
x months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]
Product: Checking or savings account

From XX/XX/XXXX to XX/XX/XXXX a total of roughly XXXX dollars was scammed out my account and the bank is not willing to refund me stating that i made the transactions which i didn't do.They did a 10 day investigation which they didn't investigate throughly
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I wrote to you requesting an investigation into items that I believed were INACCURATE, UNVERIFIED ACCOUNTS, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. PLEASE DELETE THESE ACCOUNTS FROM MY REPORT AND SEND AN UPDATE CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Great I am writing this letter regarding unknown accounts below in the reports that suddenly from nowhere appeared in my credit report! I am sure its identity theft and I am a victim. I have no idea how that happened actually but for sure I do not know these accounts ... like could you please investigate, check and delete them. I do not know these accounts I HAVE NOTHING IN COMMON WITH THESE ACCOUNTS, I SEE THEM FIRST TIME, I DO NOT RECOGNIZE THEM SO DELETE PLEASE ASAP!
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMERICAN XXXX XXXXXXXX
Product: Credit card or prepaid card

About 2 weeks ago I made a cash advance of {$1500.00} from my old credit card with # XXXX XXXX XXXX XXXX and I reported to its customer service that I had lost this card so they agreed to close this card account and opened a new account which I just received its card yesterday on XX/XX/XXXX wich shown my current balance was {$400.00} due to my payments combined of {$1100.00} made to this account already but today ( XX/XX/XXXX ) my account was posted {$1900.00} as the current balance. I called the Customer Service to dispute it because this amount was unrecognized by me but the Customer Service told me that the amount of {$1500.00} were returned back to my bank checking account. I contacted my bank and had them check back on my bank balance statement but it did not show at all the amount of {$1500.00} were returned like the Synchrony bank Customer Service had told me even one of its member told me on Monday XX/XX/XXXX that the amount of {$760.00} was not returned back to my check account and it was credited to my payment for my credit card. It indicated clearly that Synchrony bank and its employees had committed fraud upon my credit account to cheating me financially and had violated the law of Fair Credit Billing Act and Consumer Rights Act. I would like to request that the CFPB to demand Synchrony bank to recorrect my balance at {$400.00}, to impose {$100.00} XXXX dollars penalty upon Synchrony Bank and suspend its business license for 5 years beginning on XX/XX/XXXX in order to deter Synchrony Bank and other financial institutions from engaging fraudulent activities and to protect the consumers interest. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, The 3 Credit Reporting Agencies, Equifax, XXXX and XXXX have violated my rights. On XX/XX/XXXX they all received instructions to perform a thorough investigation in which they did not. They had more than 30 days to perform the investigation and did not provide results or deletions. 

Tracking Numbers for Investigation requests are as follows : USPS Tracking # : XXXX XXXX  Received XX/XX/XXXX USPS Tracking # : XXXX Equifax Received XX/XX/XXXX USPS Tracking # : XXXX XXXX Received XX/XX/XXXX U.S.C. 1681 section 603 ( 3 ) ( E ) States ; The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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 States a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) States 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. 

My rights have been violated numerous times as evidence shows and I demand these accounts be deleted from my credit report. I have provided the accounts attached with 2 different credit reports and below as follows. 

Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXXAccount Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Paid Account/Late Payments : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

TDBank Allowed a transaction that  was not approved to go through and are not helping me fix the problem.  I called to dispute the transaction but they say that it take till th end of the month to fix this. It is causing me hardship.  I called them back to ask for a credit to be added to my account but they said that they couldn't because of law but at my other bank they always have credits for dispute transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received a bill from Ally Financial on XX/XX/XXXX and XX/XX/2016 and they stated that we owed {$590.00} for damage and excess wear on our XXXX XXXX. We turned the car in 6 months early so there wasn't any excess wear and there wasn't any damage on the car. The dealership reviewed the pictures they sent and couldn't see any visible damage. We sent them a check for {$100.00} and felt that was all we owed. 
Since then they have harassed us with phone calls and letters. We just found out that they have placed a bad mark on our excellent credit record. We are in our eighties and have always paid our bills on time. 
We find it very unfair that a company can do this to us. We would like some advice as to how we can get this off our credit report.