23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a XXXX XXXX XXXX complaint against XXXX XXXX XXXX on XX/XX/2018. I disputed these accounts through XXXX and Early Warning Systems. The accounts came back " verified '' with no attach proof. My filing with the XXXX  resulted in XXXX XXXX XXXX producing paperwork of transactions that went on with these accounts. That is not what I requested. I specifically asked on the first line of my complaints for copy of the signatures used to open these accounts so I could compare them to my own. I have never opened accounts without providing my signature and my ID. So, XXXX XXXX XXXX has completed ignored that request and produced a stack of irrelevant papers containing account transactions and refused to delete their damaging and incorrect reporting. According to the documents it seems no money is owed to XXXX XXXX XXXX, but they have listed fraud next to my name in reports with Early Warning System and XXXX. If they are suspecting fraud, they should have no problems complying with my demand for validation of signatures and IDs used to open these accounts. I have a right to know whether or not they collected valid identifying information. It seems they are dancing around this and opened these account for someone and did not collect validating documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Lease with XXXX XXXX  XXXX was up on XX/XX/XXXX. I was negotiating a new lease/purchase with the local XXXX dealer and told XXXX that. They said they noted it and then I began getting XXXX : XXXX calls from " XXXX '' which immediately asked for personal information i.e. DOB, Last four digits of SSN. Fearing a scam, I refused to give the info. Not being able to speak with me, they did not send me an invoice and instead reported me to the credit bureau as being delinquent, I have spent 2 and 1/2 hours on the phone today trying to resolve this ; I have paid the amounts that they said were due ( even though they did not send invoices ) and they refuse to correct the matter with the credit bureaus. 

By the way, I have never missed, or been late on any invoice I have received for 4 leased  cars : 2 from XXXX!
Product: Credit reporting or other personal consumer reports

My email was changes and hacked I called to get it fixed and they wouldn't change my password back to the original password before I was hacked.
Product: Debt collection

Subject : Formal Complaint against DNF Associates I am writing to file a formal complaint againstDNF Associates for violating my consumer rights as outlined by the Consumer Financial Protection Act. Without the necessary notice, DNF Associatesa collection on my consumer file and failed to inform me of my right to dispute this debt. 
I revoke all communication channels with DNF Associates and insist on written correspondence only. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I request thatDNF Associates provide a purchase order agreement with the original creditor. The accuracy of the account data is concerning, as the agreement may include clauses that suggest potential inaccuracies. If DNF Associates can not provide this documentation, I demand the immediate removal of the account from my credit report.

The consumer report 's date indicating an account opening withDNF Associates is false and inaccurate. I have not received any services or entered into any agreements with them. This misinformation harmed my credit history badly and violates my consumer rights.

Additionally, it appearsDNF Associates is not licensed or bonded to collect debt in my jurisdiction, raising legal concerns about their actions and highlighting the need for immediate resolution.

DNF Associatesviolated 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I demand the prompt removal of this collection from my credit report and trust that the Consumer Financial Protection Bureau will investigate and address these violations. 

Please keep me updated on the progress of this complaint. Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Product: Student loan

Ever since my student loans were switched from  XXXX   XXXX  to  Navient I have had nothing but problems. I have contacted Navient on multiple occasions to discuss lowering my monthly payments. I pay my loan every month on t ime even though I am struggling to do so. I have asked for help but when I call I am told there is nothing that can be done. Every few months my monthly payment amount goes up a few dollars without my knowledge making it even more difficult for me to make the payment. From  XXXX   XXXX / XXXX / XXXX  my payment was {$290.00}.  78 t he following month  XXXX / XXXX / XXXX  my payment went to {$340.00}. Then two months later  XXXX / XXXX / XXXX  my payment went up to {$340.00}. Then  XXXX / XXXX / XXXX  it went up again to {$350.00}. In  XXXX   XXXX / XXXX / XXXX  it went up again to {$350.00}.  XXXX . Now I just received my  XXXX  bill and it went up again to {$360.00}.  XXXX . I called for help and was told that the interest rates keep going up so I asked if I can lock into a fixed interest rate and was given no help. I was told to write a letter which I did and never received any feedback. I am obviously not the only consumer having trouble with this company since they are currently being sued. They do not help at all. They do n't advise of any other payment plan options for people struggling to repay their loans. They are rude on the phone on top of this. I have Federal student loans on top of these plus my own personal bills. It 's horrible that this company treats people this way.
Product: Mortgage

I filed a complaint they responded to you but seems they are still charging me a {$60.00} fee over my normal payment. they cashed two payments that I subtracted the {$60.00} from but did not apply and charged a late fee. 

I am unemployed, have no phone and am out looking for work. Of course I did not answer my door but that does not give a takeover lender the right to charge me. Send me a letter. they do not have the right to assume everyone has a phone or a computer, I do not I am writing from a friends home and that is not always the case. 

I show my payment as {$1900.00} so how many {$60.00} charges are they adding. That is what needs fixing. I mailed XX/XX/XXXX payment on XX/XX/XXXX and they still have not applied payment yet I put the contentious {$60.00} in the payment so why is it not applied yet for XX/XX/XXXX. 

These folks are overcharging me late fees when they have the proper payment per my records as the {$60.00} was added and not removed in XX/XX/XXXX seems they are feeding you a story as I have paid {$1900.00} for months and then they added the $ XXXX.to this payment I am looking at my XX/XX/XXXX statement and they have the XX/XX/XXXX payment of XXXX in suspense with an added late charge of XXXX How, the payment went up when they supposedly added this door knock charge? send a letter if you want a response that is what real businesses do. I am so disgusted and I want help. 
If the payment is XXXX then they need to explain it better and I will send the difference but they can not keep my money AND charge me late fees I am not a bank. They need to be a bit more transparent on their charges and they are vague. How does a payment go up without a breakdown. The current breakdown shows a XXXX payment then the statement comes as XXXX what am I supposed to think. I refuse to pay late fees do to their non transparency. If my payment is XXXX fine, I want a breakdown. Since my Taxes are under {$6600.00} annually why are they collecting in escrow {$7100.00}? where is the transparency. 

Have them send me a letter if they have questions, it is not ILLEGAL in California to not have a phone. very sad. Please have them send a bill showing the money I owe for which I believe is {$120.00} but will refuse a late charge as I was on time and wrote on every statement for an explanation and received nothing but more nonsense that they sent you. I also do not believe it is legal to charge more than what the taxes actually are in an impound account but yet they are If they paid {$4400.00} for my taxes as the bill is {$3200.00} twice yearly. Have that explained also.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I went to the United States Bankruptcy XXXX XXXX XXXX XXXX Florida. I spoke to the Deputy Clerk to follow up on a request that I sent them, requesting information on their process for reporting/verifying bankruptcy records. At that time they confirmed that they do not report nor verify to 3rd parties. I asked to get that in writing and I was provided with 2 letters ( 1 for each record ) which I provided. 
/ Then on XX/XX/2023 I received 2 letters ( attached ) in the mail from XXXX ( dated XX/XX/2023 ) which both stated that they have removed the items from their files. In those letters they also stated that they reached out to XXXX and the other referenced Transunion to have them delete them as well. 
/ The following Monday, I contacted XXXX to confirm and asked them if they actually reached out to XXXX and Transunion and they replied that if they had not, I would not have received the letters. 
/ The same day I reached out to Transunion to follow up and was hung up on 3 separate times whenever I mentioned the letters. 
/ I also contacted XXXX and one of their reps denied any affiliation to XXXX.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 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 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 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: Mortgage

The name of the Mortgage Company is 21 Mortgage Corp. I paid them over XXXX dollars this month.
Product: Money transfer, virtual currency, or money service

on XX/XX/2020 i transferred USD to XXXX ( XXXX ) through Skrill.com they took my money same day but didnt transfer yet, now today when i called they said we'll issue refund to you after 5 days. 
Also, they took my SSN card, DL License and bank statement. When i call there customer service call went to out of country ( non native English place ). I am very scary that they will misuse all my personal info, they have all my personal info, such as SSN, DOB, Bank account #, CC # Address etc.. 

thanks XXXX
Product: Credit card

I recently discovered after viewing my Credit Journey in my XXXX app, that there is a Capitol One credit card in my name opened on XX/XX/year> that I never opened. I called Capitol One to notify them and the rep XXXX XXXX told me that they could not find it using my information. I dont have the full account number either or Capitol One documentation. As it appears on my credit report there is a {$5000.00} limit and no use. The last 4 digits are # XXXX. 

I put an initial alert under my name for all 3 bureaus and they, and Capitol One will be receiving certified letters as well.
Product: Debt collection

In XXXX, I sent XXXX certified letters to Portfolio Recovery at XXXX different addresses requesting Debt Validation for a debt they are trying to collect from me. I specifically asked for " Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. '' I did not receive anything but another letter from PRA stating my name - last XXXX of my soc - and the amount they say I owe. Due to the way PRA has treated people in the past, I do not trust them to tell me the truth and not try to take me for a ride.
Product: Payday loan, title loan, personal loan, or advance loan

Around XX/XX/year> I asked for XXXX, title maxes system was down. They turned around and sent me to a different location the next day and stated that store would be a better fit since they can only offer me XXXX. The other location was a bigger store off north central expressway, I went in there and spoke with a XXXX young lady. I asked her a couple of questions but she was unable to answer these questions, she kept asking her manager for the most part of it. If I had a question while I was trying to read the contract she kept reading faster. I then asked for her to print out the contract so I can read it myself, she denied me that and said she can not do that there and stated it would be uploaded on my portal within 72 hours because it is almost the weekend. I stated I needed to read my contract before I leave the store, she told me she will explain it verbally in estimates on what my payments will be. She printed out XXXX cover sheet of my first payment, I told her I do not feel comfortable taking any money without knowing the contract. She stated she already put the money on my debit card and I told her to take the money back because the contract was not explained to me properly. She kept going back to the supervisor speaking XXXX when I do not understand that language. She denied taking the money off the card and denied printing my contract. She then made a remark that " I thought you rent was due '' well I still have time so again I did not feel comfortable taking this money without knowing anything about the contract. She then stated I need to pay the interest of XXXX making my total XXXX when I have not left the vicinity yet, she stated this was interest and fees. I asked where is this stated she said in my contract I then asked to see my contract and I again was denied seeing my contract! The main supervisor then stated the printer does not work, XXXX months later I still do not have my contract. They violated breach of peace by breaking into my garage and repossessing my vehicle, there is a sign stating no trespassing, this is a private garage. Then XXXX XXXX altered my signature on the contract and thats why they didnt provide a copy to me the day of the loan.
Product: Checking or savings account

My sisters penned my bank account number in their IRS statements and when first of them granted stimulus checks on my bank account, i found that capital one bank have restricted my account preventing me from withdrawing money or completing pending transactions on the XX/XX/2021.

More than 18 months later after many calls to figure out solution the bank asked me to visit a capital one bank along woth my sisters which i clarified it was not possible since we are now living outside the US ( in XXXX ). 
The bank then told me that some sort of investigation will be done on my recent activities and till now nothing have been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

A request for my credit report was made on XXXX/XXXX/17 without my consent, they stated that I request a loan which is untrue. My credit report show this information as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX
Product: Checking or savings account

On XX/XX/2020 I became aware that U.S. Bank closed a joint account owned by both XXXX XXXX XXXX XXXX XXXX. I contacted the branch manager and eventually the district manager XXXX XXXX to attempt to understand why the account was closed and to receive the remaining funds in the account. I was informed that a certified check for the remaining amount was sent to my fathers address in XXXX, WI however the funds never arrived as of XX/XX/2020. I spoke again with XXXX and he again stated that he would attempt to send remaining funds to my listed P.O. Box,  however as of XX/XX/2020 the funds never arrived. There was a remaining balance of over {$2300.00} and U.S. Bank has apparently refused to refund our funds after numerous attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC System Collections has been notified by XXXX, as well as me, on more than XXXX occasion involving account # XXXX from XXXX XXXX  to date of this complaint. Also XXXX XXXX XXXX XXXX has been notified as well. Most recentIy, see XXXX  Dispute Report # XXXX. However, IC Systems & XXXX XXXX XXXX XXXX keep reporting these accounts of {$180.00} & {$1600.00} past due ' to the 3 major credit bureaus. Last date reported was XX/XX/XXXX, XXXX i I have been a victim of identity theft and have no knowledge of these accounts. All of my personal info including drivers license number, ssn, d.o.b., address, phone #, etc has been compromised in at least XXXX major data breaches and has been sold on the dark web. I have already filed an identity theft report with the FTC a few years ago about this. This is not my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint involves all of the credit reporting companies, as I know at this time. One of my credit card companies sent a letter stating my credit score had been dropped to XXXX based on reports from one or more of the credit reporting companies. I have tried to talk to someone with those firms in order to obtain information on which they furnished showing the basis of the score. The system they use for call in service does not allow one to speak with a person to either give or obtain information. The most important complaint I have is that credit reporting firms do not attempt to talk to consumers in order to get the other side of a dispute. They primarily use information furnished by creditors on disputes. I was never contacted by anyone asking for my side of any problem. This is totally unfair in a country where, if one is accused, the plaintiff must present proof of an accusation. Obviously, no attempt was made to develop the truth in at least this incident.
Product: Student loan

On XX/XX/XXXX, I called Navient with questions about relief for a student loan. I did not speak to anyone at Navient but left a message with NAVIENT with questions regarding problems with my account. A short time later, I received a text with a referral to this organization. 

My original loan repayments were consolidated by either XXXX XXXX or XXXX XXXX organization. I believe I was on a graduated payment plan. I have made payments consistently on my loan since XXXX, when I began working at XXXX XXXX XXXX. I'm not sure of the circumstances but at some point I was referred to Navient in XXXX however, I know that I was not informed that I was no longer dealing with a Federal agency. I only learned with after being turned done for Loan Forgiveness in XXXX. 

Earlier this year, I contacted a legal referral group online and was given several options to pursue. When I explained the situation, I was encouraged to contact Navient for a copy of my original loan agreement. I did this but was only sent a summary of the loan. I have learned that the total amount to be paid is {$91000.00} for a loan with original principal of {$53000.00}. Moreover, as of XXXX, XXXX, my payments have jumped from {$290.00} to {$500.00}, with a payoff date of XXXX. Nor do I recall making these arrangements ; particularly as I am XXXX years old and look to retire in five years. 

I do know that in XXXX I was taking care of my mother and my brother, who was an adult with XXXX XXXX and other XXXX  XXXX, but I don't believe I was ever informed of the changes moving to Navient would make -- or that there were other options. I wouldn't have known about Navient had I not been referred to this organization. 

Contacted the XXXX website and received several offices to contact. HOwever, when I explained the situation, I was encouraged to contact XXXX and list my legal issue as Consumer Law or Education Law. However, I haven't had success finding a lawyer in my area. 

At this point, I am in desperate need of assistance and hope that I may receive information from this office on how t o move forward. 
.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$16000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$360.00} ; XXXX  XXXX Balance Owed : {$6400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.