23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I used my Chase Mileage Plus credit card to purchase an upgrade on two segments of a XXXX XXXX ( $ XXXXeach x XXXX segments = XXXX USD. ) In XXXX, I declined to renew my card for another year and my balance was XXXX by XX/XX/XXXX. 

My flight was canceled due to Covid restrictions in XXXX on XX/XX/XXXX. 
After contacting XXXX several times during spring and summer and alerting them to my closed Chase credit card, they processed the refund, through XXXX, to my closed Chase credit card on XX/XX/XXXX. 

On XX/XX/XXXX, I called Chase credit card, and was told they had no record of my credit card account. After multiple calls ( 3-4 ) I was told my card had most likely been " purged '' and my only recourse was to fax the " Purged card department. '' I did that, with all information, on XX/XX/XXXX. 

On XX/XX/XXXX, I made repeated calls to Chase in order to find an address to which I could send a followup letter about my refund. I was told, without any doubt, that I had never had a Chase credit card -- this despite the fact that I was holding a photocopy of the front and back of my Chase credit card ( the original of the card was destroyed when I canceled my account as is usual good practice. ) When I provided my full SSN, I was assured that I had never had a credit card at Chase under that SSN.
Product: Debt collection

New cell phone number was assigned to me over 1 year ago and then shortly thereafter, Harvest-Inc. Medical Debt Collectors have contacted me almost daily using phone numbers XXXX ; XXXX ; XXXX ; XXXX in attempt to collect an apparent debt from another person. When I called them over a year ago and told them this was an assumed phone number from a previous owner and they told me who the debt was for, I informed them that person no longer had this phone number and did not reside here. Despite telling them this and also complaining to Do NOT Call Federal and State agencies, they continue to offend almost on a DAILY basis. My cell phone number filed with the DO NOT CALL agencies and which Harvest-Inc continues to call is XXXX. I have also sent Harvest-Inc. a letter form developed by the XXXX XXXX XXXX titled : Request for Debt Collectors to Stop Contacting You that gives them formal notice in writing under the Fair Debt Collection Practices Act to cease contacting me-EVEN though they were informed OVER 1 YEAR AGO they are contacting the wrong individual and that I am registered on the DO NOT CALL list, yet they have offended by continuing to contact me almost daily for OVER 1 year despite telling them to cease all contact OVER 1 YEAR AGO.
Product: Mortgage

I recently received a mortgage modification decision from my mortgage servicer ( Bank of America ) after 4 months of making trial payments to qualify for a mortgage modification. I had requested a mortgage modification after inquiring about not being able to refinance my home loan due to the property value being less than the mortgage I was paying. ( Under Water Homeowner ) The decision I received in the settlement from BOA reduces my mortgage {$350.00} per month and the interest rate changes from 5.25 % to 4.375 %. However, the term of the loan is now going to reset to 30 years and way they are lowering my payment is by taking {$40000.00} of principal out of the home loan and putting that amount at the end of my 30 year mortgage as a balloon payment that must be made to HUD. I can not afford the mortgage currently and I can not refinance the loan because I have no value in the home, so what makes BOA think I will have the {$40000.00} balloon payment at the end of my 30 year term and not offer me any other solutions other than a " take it or leave it '' deal? BOA is not offering any relief other than moving some of the money around to make it look like the payment is smaller, but in reality I still owe this money on a home that is currently worth LESS than my loan. I qualified for all of their criteria for assistance and what they are offering me is a dead end in my eyes. BOA never disclosed any of the information about a balloon payment as a modification solution when the assistance process started. Had I known, I would have refused this assistance and requested other options. I feel this is deceptive on their part and not cooperative with me, the consumer. I also want to note that I was current on my home loan at the time this started and BOA suggested this in order to help with a refinance and instructed me NOT to pay my current mortgage once the modification process started. I feel like I 've been railroaded into a situation that I wo n't be able to find a solution.
Product: Debt collection

I paid off the collection because I did not know I could dispute it. They stated That if I paid in full, they would ask credit bureaus to remove the debt from my credit report within 30 days. I paid in full in XX/XX/2021. However, it has been over a year, and nothing has changed on my report. While I understand that they are required to ask for removal after 7 years, there is nothing special about this timeline. That is the amount of time it takes to naturally fall off of a credit report. I only paid in full to prevent the statue of limitations timeframe from restarting and to have the debt associated with me removed from my credit report despite one of the accounts being 7 years old. I asked them to provide me a copy of the report they sent to the credit bureaus but they stated that they were unable to speak to that or provide me with a date in which the letter was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

At approximately XXXX XX/XX/2018 I recived an email from XXXX XXXX regarding Hard Credit Inquiry for something labeled as " XXXX/XXXX ''. I did not apply for any credit recently and I am confident that this is fraudulent activity. 
I attempted to dispute the Hard Inquiry online with XXXX but they did not have an option to dispute a hard inquire. I need to do what I can to dispute the Inquire, it is negatively affecting my credit and I'm concerned over further fraudulent activity. I would like an investigation so I can take proper measures to insure my credits safety and security. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX last 4 of my SSN are XXXX date of birth XX/XX/XXXX. I  have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. XXXX needs to get proof this is my judgment or remove from my credit
Product: Student loan

I am graduating school in XXXX. I contacted Discover Student Loans multiple times to find out what my payment would be. They have refused to just tell me what the payment will be, and said they would mail me a schedule when the online link wasn't working. The first attempt to mail never arrived. The second attempt is outdated and shows payments as though I had been paying since 2008 and hadn't deferred while in school. I still don't know what my monthly payment will be or my payment schedule and it seems like Discover is being purposefully deceptive.
Product: Debt collection

On Friday XXXX XXXX 2015, I received a voicemail from XXXX. This number does not match the collection agency so I believe it was spoofed. The caller claimed to be from the XXXX county sheriff 's office and stated that I had XXXX warrants out for my arrest and that by calling me, I had been ''served '' I have no warrants and this call was from National Recovery Agency , a bill collector. The caller did not identify herself or state that she or the company was a debt collector. It is illegal to impersonate law enforcement and I doubt the sheriff 's office would take kindly to this.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX XXXX account number XXXX Sincerely, XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting

XXXX account number XXXX this account is out of date its past the original it can be reported check the first date is was past due it has a XXXX bal and needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter to Experian advising them of several addresses and information about my employment that were on my credit report were fraudulent and they need to be removed these addresses are XXXX XXXX XXXX XXXX nc XXXX, XXXX XXXX XXXX XXXX Nc XXXX, XXXX XXXX XXXX XXXX nc XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX. I also have never worked as a self employed person or at a company called XXXX XXXX .... at the time I sent an affidavit letting them know that this information was incorrect and my drivers license with my correct address [ XXXX XXXX XXXX XXXX, NC XXXX ] I also called Experian on several occasions to have all of the false addresses removed. I have discovered that since XXXX fraudulent accounts have been opened at the fraudulent addresses and I am doing all I can to stop all of this stuff I sent the original affidavit to Experian so I have had to fill out another one but I am submitting it to you today so that you can hopefully assist me in getting this corrected immediately this is just one of  many issues I have had since discovering these issues. also I have tried to address inquiries that were fraudulent from XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Hunter Warfield a debt collector calls me twice a day daily. I believe this is against FDCPA rules. the most recent calls were XXXX XXXX. 

I answered and informed the CSR that this was the 2nd call for the day. This is against the debt collecting rules. She said, oh Sorry.
Product: Credit reporting or other personal consumer reports

Since XXXX of this year, I have tried to solve a problem with the XXXX XXXXXXXX XXXX  account, where since 2018 I had a vehicle loan with this entity. account that ends in XXXX. 

On multiple occasions I contacted the credit agencies which the information they share is incomplete, and incorrect and even without any registration and likewise report the account as verified, completely violating the regulations of the FTC. 

I have been communicating since XXXX of this year with the company where I have XXXX afternoon payments of an account that were presented in XXXX  and which the payments were made on time without any problem but then I suffered bank theft and my accounts were closed for security, and the payments were returned but it was immediately resolved and the loan was paid in full without having any difficulty with this account. 

Unfortunately, this company sent him letters explaining the situation so that this information was corrected and their response was that the account was archived because it is already closed and they could not change anything that talked to the credit agencies. 

So I am writing by this means so that the necessary measures are taken so that this information is corrected or removed from my credit report since as established by the FTC, it was due to an identity theft issue and my credit and my person were negatively affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT!! I am in the home buying process and these fraudulent accounts are causing my family and myself a lot of emotional distress. I've been trying to buy a home and I am being impacted by these fraudulent accounts. 
There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I consumer, XXXX wrote to TransUnion Consumer Relations regarding 9 hard inquiries that I saw that appeared on my consumer report that I did not authorize. This direct dispute letter was sent via USPS on tracking number XXXX XXXX XXXX XXXX XXXX and shows it was received on the XXXX of XXXX at XXXX. TransUnion made no effort to investigate and remedy the issue because I got a generic automated response stating that everything is reporting correctly. TransUnion did not provide how they investigated this issue and who confirmed that it was correct. TransUnion as a consumer reporting agency is not compliance with FCRA 15 USC 1681 to make sure that all information that is reported on my consumer report is correct and validated. TransUnion is to withhold disclosure of my consumer report information to creditors unless I consent which I DID NOT for these nine inquiries I am referring to. At this point I am ready to file a suit in federal court to get my voice heard because I am tired of the automated responses that they have in place for when I. As a consumer I am entitled to receive damages up to {$1000.00} for each of the nine items for any FCRA violation, whether the violation was intentional or not for each of the items that I am disputing. 

I am attaching the letter that was sent which has all the nine inquiries that I am questioning.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost concern regarding fraudulent items that have appeared on my accounts with your company. Despite numerous attempts to rectify this situation, the fraudulent items remain unresolved, prompting me to escalate this issue formally. 

I have identified and reported multiple instances of fraudulent activity on my accounts. These unauthorized charges have not only caused significant financial distress but have also eroded my trust in your company 's ability to safeguard my personal information and prevent fraudulent transactions. 

Despite my repeated efforts to address these fraudulent items through your designated channels, including submitting documentation, making phone calls, and engaging in online correspondence, the issue persists. Each time I have sought assistance, I have been met with assurances that the matter would be thoroughly investigated and resolved promptly. However, to my dismay, the fraudulent items continue to plague my accounts. 

The consequences of these fraudulent activities extend beyond mere financial losses. They have also caused immense stress, anxiety, and inconvenience as I endeavor to safeguard my personal finances and rectify the damage inflicted by these unauthorized charges. 

As a loyal customer of your company, I expect and deserve the highest standard of service, including robust security measures to protect against fraudulent activities. Therefore, I am formally requesting the following actions be taken to address this matter : Immediate and thorough investigation into all instances of fraudulent activity reported on my accounts.

Prompt removal of all unauthorized charges and fraudulent items from my accounts.

Compensation for any financial losses incurred as a result of these fraudulent transactions, including reimbursement for fees and penalties.

Assurance that proactive measures will be implemented to prevent future occurrences of fraud and enhance the security of my accounts. 
A formal apology for the distress and inconvenience caused by the persistent presence of fraudulent items on my accounts. 
I expect a swift response to this complaint, outlining the steps that will be taken to address the concerns raised. Additionally, I request regular updates on the progress of the investigation and resolution of this matter until it is satisfactorily resolved. 

Please understand that the resolution of this issue is paramount to restoring my confidence in your company and preserving our ongoing business relationship. I am asking for your assisstance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX 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  Balance Owed : {$0.00} XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ally Financial illegally obtained my personal information, including cell phone number, to call me about a family member 's auto loan. They never identify themselves as Ally, that information was obtained by searching their phone number. 
Ally is contacting others who are NOT related to the borrower.
Product: Credit card

I have a Wells Fargo Bank credit card for about XXXX years. I was reviewing my charges, when I notice a protection charge in case of unemployment. I call Wells Fargo Bank customer service for a explanation. The customer service indicate to me that they could not help me that I had to call the protection company. Furthermore, I receive a letter about XXXX week later canceling the program and refunding XXXX for 8 months and that I had agree to the product, but did not show me prove that I authorize or apply for the product. However, I have been paying for the product for 15 years. I had XXXX for XXXX in XX/XX/2015 and wells fargo bank never indicating to me that I had that option available to me..
Product: Credit reporting or other personal consumer reports

Rent Debt Automated collection I dont know anything about this company. I sent a copy of the police report to the credit bureaus as stated by NY state law. This company Rent Debt Automated Collection has never sent me a package as they stated they need to send proof that they actually sent it to me because I never received any kind of package from them besides them sending a letter to me harassing me even though I sent a copy of the ID identity theft but also gave the all three credit bureaus a copy of my police report as a stated by New York State law.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX : FCRA XXXX XXXX Dispute Request to Block and Remove Fraudulent Account InformationDear Experian, I am writing to formally dispute the reporting of the account associated with XXXX XXXX on my credit report. This letter is being submitted under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, which mandates the blocking and removal of information resulting from identity theft or fraudulent activity.Account Details : Creditor Name : XXXX XXXX. ] This account was reported to you without my authorization and in direct violation of several federal laws, including : 15 U.S. Code 1681c-2 : Reporting of information related to identity theft.15 U.S. Code 6802 : Disclosure of nonpublic personal information.15 U.S. Code 1666b : Late payment must be posted within a reasonable time.15 U.S. Code 1643 : Unauthorized use.The following actions were taken by XXXX XXXX, constituting identity theft and fraud : Unauthorized Disclosure : XXXX XXXX furnished my private information to third parties without my explicit authorization.Continued Reporting After Cease and Desist : Despite my sending a cease and desist letter, XXXX XXXX continued to report late payments on my credit report even after the account was closed and charged off.Failure to Provide 1099-C : XXXX XXXX failed to provide me with a 1099-C form after charging off the account.I have disputed this matter multiple times with both XXXX XXXX and Experian. However, each time, Experian has validated the information without providing evidence of the steps taken to verify its accuracy. This failure to investigate properly indicates a violation of my rights under federal law.Given the violations mentioned above, I request the immediate removal and blocking of the fraudulent information related to this account from my credit report as required by the FCRA. This includes all references to this account, any associated late payments, and any other negative information.Please confirm in writing that the requested action has been taken within the 30-day time frame allowed by law. If Experian fails to comply, I will consider all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action.Thank you for your prompt attention to this matter. I look forward to your immediate compliance with my request.Sincerely, XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I dont check my credit report much because Ive heard it affects your score .. well last summer I did and I seen about 3-4 hard inquiries from capital one that I dont recognize I dont not authorize these applications.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : OFFICE OF THE ATTY GEN # XXXX - Date Opened XX/XX/XXXX Account Name : OFFICE OF THE ATTY GEN # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX
Product: Debt collection

STALKING AND HARASSMENT FOR COLLECTION PURPOSES MORE DETAILS IN THE ATTACHED FILES
Product: Student loan

This is to follow up on Case number : XXXX. Since filing this complaint there has been no resolution. The treatment I have received from Navient is retaliatory. My original charges were based on predatory lending. I was forced into a payment plan that doubles my interest by capitalizing unpaid interest on my loan periodically and they failed to explain these terms clearly. I still have not been informed which payment plans do not have this hardship clause hidden within the terms. Now, my balance is completely out of control. 

The retaliation piece is that it took over 2 months after a request Navient Consumer Advocate XXXX manager to contact me to explain these plans, despite the fact that I insisted multiple times around XXXX that one contact me. ( Horrible, horrible customer service. ) After another month of phone tag I finally spoke with XXXX. I still am not aware how to avoid paying double interest, and the details of the different plans. In any case, the cost of living is out of control and the best payment plan he offered is impossible. I told him what I could afford and he was unwilling to work with me. 

I also asked for a statement from Navient CEO XXXX regarding how secret double interest payment plans falls in line with his mission statement that involves helping students reach financial success. Needless to say I have not heard from him. 

Furthermore they are extending the process and willfully inflicting mental distress by making me resubmit information I have already given them to allow me to go into this new payment plan, which I can not afford. 

Is the goal of Navient to force people to default on their student loans by being predatory a lender and servicer? This is literally threatening my financial life and it can not be legal.
Product: Credit reporting

The credit reporting company is refusing to remove fraudulent information from my credit report!!