23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am reporting a few things. I found numerous fraudulent transactions by either a fake company or companies that was able to obtain my routing number and account number from Chase and be able to run {$20.00} ACH transactions. 

I was only able to pull 24 months of reporting from today XX/XX/XXXX and found weekly deductions of {$20.00}. 

I was able to research from XX/XX/XXXX - XX/XX/XXXX and found eight companies charging me as follow : 1 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXX WEB ID : XXXX ( 11 transactions, {$20.00} each, total {$220.00} ) 2 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX WEB ID : XXXX ( 3 transactions, {$20.00} each, total {$60.00} ) 3 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX WEB ID : XXXX ( 3 transactions, {$20.00} each, total {$60.00} ) 4 ) XX/XX/XXXX : XXXX XXXX WEB ID : XXXX ( 1 transaction, {$20.00} each, total {$20.00} ) 5 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX WEB ID : XXXX ( 2 transactions, {$20.00} each, total {$40.00} ) 6 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX WEB ID : XXXX ( 5 transactions, {$20.00}, total {$100.00} ) 7 ) XX/XX/XXXX - XX/XX/XXXX : XXXX  PAYMENT PPD ID : XXXX ( 2 transactions, {$20.00} each, total {$40.00} ) 8 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX WEB ID : XXXX ( 15 transactions, {$20.00} each, {$300.00} ) That's {$840.00} stolen from in the past 2 years and it could be more going back further if I could go back further. 

I was only able to dispute {$200.00} the charges to Chase due to their 60 days window policy to be able to return fraudulent activities. 

I am terribly disappointed in myself and disturbed Chase was not able to identify this as fraudulent activities.
Product: Debt collection

To Whom It May Concern, I am writing to formally request that you cease all communication with me regarding the alleged debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). As of this notice, I demand that you stop all phone calls, letters, or any form of contact with me, including electronic communications.

I do not acknowledge this debt, and I am exercising my rights under the FDCPA to request that you cease all collection activities until you have provided validation of this debt. Furthermore, I have the right to be free from any further harassment, intimidation, or abuse during your collection efforts, as stipulated under 15 U.S.C. 1692d. Any violation of this request will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 
Additionally, you are prohibited from contacting my employer, friends, or family members regarding this alleged debt as outlined in 15 U.S.C. 1692c ( b ), unless such communication is required by law.

If you believe that you have a valid claim regarding this debt, I request that you provide written verification of the debt, including the name of the original creditor and a detailed account statement pursuant to 15 U.S.C. 1692g ( b ). Until you comply with this request, any further collection activity on your part will be considered a violation of the FDCPA. 
Be advised that I am keeping thorough records of all correspondence regarding this matter, including copies of letters and records of any phone calls, in case they are needed for any future proceedings. 
Thank you for your attention to this matter. I expect immediate compliance with my cease and desist request. 

COLLECTION AGENCY ; NATIONAL CREDIT ADJUST Account number : XXXX
Product: Credit reporting, credit repair services, 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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$64000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge about those hard inquiry and account
Product: Credit reporting or other personal consumer reports

Today I checked my credit report and I seen fraudulent inquiries and inaccurate addresses that I want removed from Equifax such as XXXX XXXX XX/XX/2023, there are also two addresses reporting to Equifax that I have never lied or have no connection to, that I would like to remove and have updated to my current address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Addresses I would like to remove is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Attended school from XXXX-XXXX with a few short breaks, for family reasons. I noticed on Fed Student Aid, that my loan amounts do not match with consolidated loan total. According to the Fed website my total loans are {$85000.00} with the breakdown of {$50000.00} consolidated which leaves an original loan amounts of {$35000.00} the difference being {$15000.00}. Navient has sent information regarding the consolidated amount but it seems there is roughly a {$10000.00} difference from my original loan amount and interest. I have been trying to find out if the difference is interest, a missing loan amount or an error. I have also contacted XXXX University, have not heard from them. Navient has sent me the same information, which reviewing is correct because they are going of of the information provided after XXXX. Also contact Fed Student Aid but they referred me back to Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX check, AC # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$120.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$870.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount XXXX XXXXThis account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible.
Product: Credit card or prepaid card

Denied credit for dubious reasons : " Derogatory public record or collection filed % of balance to high credit on banking revolving or all recolving acct Too few accounts currently paid as agreed '' 1. I have 1 collection accnt 2. This is a false statement 3. I have 3 accts. How can they deny me new accounts when I am not using them?
Product: Student loan

To Whom it May Concern : I'm currently a XXXX XXXX XXXX XXXX that qualifies for XXXX  Loan Forgiveness. According to the rules, I can get up to {$17000.00} because I have met the requirements for that particular forgiveness. I know this because I've had {$11000.00} forgiven in XX/XX/XXXX from my student loan balance of {$15000.00}. 
Currently, I have {$4400.00} left in 2 loans according to my XXXX account. My guarantor for these 2 loans are the state of Texas which is now Trellis Company. Trellis Company continues to create difficulties for my application in order to get the {$4500.00} forgiven. I have applied seven times. Five out of the seven times, I was told that the documents were not legible. I was told that in XXXX, XXXX, XXXX, XXXX, XXXX, and now again XXXX. The first time I applied was XX/XX/XXXX at the end of my 5 year. 
My last submission on XX/XX/XXXX, I made sure to clearly type the application and have the appropriate signatures done neatly by both myself and previous administrators. I was denied because I was told the application was " too light '' and that they could not confirm that XXXX  XXXX  still works at the XXXX XXXX ( which he does ). No phone calls were made to the XXXX  to verify his employment nor were there any contacts made to him directly. Now I am being asked to show his employment verification of his position which I am not allowed to request through my HR department. 
The first 6 times I applied, there was no mention about my previous XXXX 's status being a reason for denying my application. Now with my most recent denial, I'm being asked to do something that is not within my boundaries. For the past 8 months, I've made multiple phone calls ( at least twice a month ) to XXXX to verify the status of my application, I've submitted all the paper work every time, and everything is up to date. Because I have gotten loans forgiven for a my first application, I know my application is solid. 
I've been informed by XXXX, loan service provider, that my guarantor ( Trellis Company ) keep denying my application for the following reasons : 1- Illegibility 2- "  Too light '' 3- Updated information 4- XXXX XXXX verification of work ( without making any contact with the XXXX  or person ) From the feedback that I am receiving, I am under the impression that Trellis refuses to forgive my loans and keep making me do the run-around until I give up and pay for my loans out of pocket. I have no issues with XXXX, since they have provided me with all the information I need. My problem is with Trellis Company.
Product: Checking or savings account

I tried to make a purchase one day and it decline. I logged in to see that my account was restricted. I have emailed multiple times to the support line because their AI will not let me use the internal chat feature. I have emailed on the following days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additionally, I have requested a phone call through the app on XX/XX/XXXX XX/XX/XXXX They keep saying they are going to call from a XXXX area code but I never receive a phone call. The call back number is correct. 
I have verified in my call log that I have no missed phone calls from them. 

I do not even know why my account is restricted. I have not spoken to anyone and this has been going on since the beginning of XX/XX/XXXX.
Product: Mortgage

I have been in an ongoing battle with this company essentially since day 1. My original loan payment was XXXX a month. It now sits at XXXX 2 later. Every time I call they give me a different answer. They have people reading from a script, instead of giving you useful information. My insurance canceled me one month. They said I was {$1000.00} behind, again they raise my raise my rate, with back dues added. After 6 months, I call to get an update to see how much of the back fees I owe. After paying my taxes late from escrow and getting me fined. They now say I am {$1600.00} behind and raise my rate again. Now XX/XX/XXXX they say randomly my payment will be {$1700.00}. In this economy we thought by owning a home we would have a stable payment. Not random increases. Also, I filed as a homestead. I get 20 % break on my taxes. But they raise my payment. Please help!! Their XXXX reviews show this is an issue with most borrowers and we are not being protected. They have a rating of XXXX My next step is a lawsuit.
Product: Debt collection

I am disputing an alleged debt that LVNV Funding LLC is attempting to collect. The debt is related to an account originally held with XXXX XXXX XXXX XXXXXXXX, with a balance of {$640.00}. However, I do not recognize this debt and have requested validation under the Fair Debt Collection Practices Act ( FDCPA ). On [ Insert Date of Sending the Letter ], I sent a formal debt validation letter to LVNV Funding LLC, requesting proof of the debt, itemization, and legal documentation proving that they own the debt and have the right to collect it. 

Despite my request, LVNV Funding LLC has failed to provide sufficient documentation that demonstrates their legal right to collect this debt, nor have they provided a copy of the original signed agreement or any verification of the balance. They have reported this account to the credit bureaus, and this is negatively impacting my credit score without proper validation.

I am requesting the CFPBs assistance in ensuring that LVNV Funding LLC provides the required documentation and removes any incorrect or unverifiable information from my credit report. Additionally, I have requested that all further communication from LVNV Funding LLC be in writing only, and they cease all phone contact as it has become harassing. 

I appreciate your attention to this matter and request a full investigation into LVNV Funding LLC 's practices and compliance with federal laws.
Product: Debt collection

Thank you for your time. I have been going back and forth with all XXXX credit bureaus Equifax, XXXX, and XXXX. Over the last couple years have sent endless letters. I have called to have my wrong information removed they still haven't removed the wrong names and addresses. They always send back information verified. So i ask for the validation of the information and I'm never given any real validation. I'm victim of the Equifax breech which has comprised my identity because someone has access to my personal information. I would like for all these accounts to be deleted off of my record. Below are all the accounts that need to be removed XXXX AND XXXX XXXX ACCT. # XXXX AMOUNT- XXXX XXXX XXXX # XXXX AMOUNT- XXXX XXXX XXXX XXXX ACCT. # XXXX AMOUNT - XXXX XXXX XXXX ACCT. # XXXX AMOUNT- XXXX Please take a careful look at these accounts and remove them please. Thank you for your time and patience.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act. Account 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 15 U.S, C 1681 Section 602 A. States i have the right to privacy. 15 U.S, C 1681Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions. 


I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after the reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX  XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Mortgage

I am a single mother of a XXXX child. I am currently unemployed as my child requires full time care. In XXXX, I attempted to get a modification of my mortgage through Seterus-my loan servicer. I filled out the paperwork, sent it in, and I received a packet in the mail that said that yes, I had been approved for a trial modification! It said to pay an amount for XXXX, XXXX, and XXXX XXXX for the trial period. ( I did that. ) Then I got another modification approval packet in the mail a day or so later that was exactly the same except it said to pay a higher amount. I was confused so I called them. I could not get through to a live person, so I paid amount that I got in the first packet on the first of XXXX as instructed and also on XXXX XXXX. Then I got a notice that I paid the wrong amount-and therefore my modification was disqualified. I called Seterus and spoke to someone who said that the amount I paid was the wrong amount and that I no longer qualified for the modification. I asked for something in writing, since I never rec 'd anything that said the first packet was a mistake, and she said that I could n't get that. I called later the same day to clarify what the first person had told me, and this next person told me that I should be fine with the payments that I made, that she would put an inquiry in for me and let me know something in a week. In a week I did n't hear back so, I contacted the mortgage help line through XXXX and was directed to XXXX. I explained the situation to them and together we called Seterus-a XXXX conference call and XXXX recorded the conversation with their permission. We spoke to yet another agent at Seterus. He told us that while the amount I paid may have been a mistake on the part of Seterus, I still qualified for that amount, and there was no problem with me paying it and that all was fine with my modification, that Seterus will honor it. He verified that I had paid on time for XXXX and XXXX, and that I should just continue to pay that amount every month until I got the final modification paperwork. To pay the XXXX payment, and even a XXXX payment if I had n't heard anything since they were backed up-he also said to ignore any mail I got saying i was late as it would take a while to for the system to catch up. 
I have the names and dates of everyone I spoke to at Seterus. 
So I paid XXXX payment and after my XXXX XXXX payment, I got civil foreclosure notice hand delivered to me from XXXX by XXXX on XXXX XXXX. I do n't understand how I can get such conflicting information from the same company about the amount of my modification. And also, the second packet contained a payment that was more than my monthly income. Why they would modify the mortgage to more than my monthly income? I can pay the first amount if they would modify to that amount. 
After that, I contacted XXXX again and was directed to XXXX who is now working with me to resolve this. Thank you.
Product: Credit reporting or other personal consumer reports

I have requested the appropriate investigation of the accounts that do not correspond to me and the company has not solved this problem for me. I sent a certified letter and requested the elimination of the accounts mentioned below. 
XXXX XXXX XXXXXXXX does not have an account number. I need you to eliminate this account from my credit report. 
I do not have an account, I never had an account with XXXX. This account appears to me with a XXXX balance but this account does not correspond to me. I request the immediate elimination of these accounts. I demand the certification signed in its entirety by me that proves that I had an account with the banks mentioned below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not correspond to me and I demand their immediate elimination. The credit bureau companies must send a certification signed by these banks that I have an account with them. This does not exist. Because I have not had an account with them. I demand under the consumer protection law that you eliminate this from my credit report.