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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}, {$3200.00}, {$4300.00}, {$6200.00}, {$1800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

2. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

4. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

5. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Product: Debt collection

I received a copy of my XXXX report. I noticed I have a charged off account with Discover Personal Loans in my name. I never applied for a loan with that company. It was opened XX/XX/2016. With a balance of {$10000.00}. The address they have on file for me is not my address and is not associated to me. I would like this account off my record.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Demand of Validation of Debt Dear Jefferson Capital Systems, I am writing regarding the accounts listed above, which you claim I owe. I have no knowledge of this account. I have not signed any contract for this debt reported. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 809 ( 15 U.S.C. 1692g ), I am requesting that you validate this debt and provide me with the following information as required by the Consumer Financial Protection Bureau ( CFPB ). Please ensure that all necessary documentation is sent directly to my address above. 
Under the CFPB 's guidelines, I am requesting the following XXXX items to validate this debt : XXXX. The amount of the debt Please provide a detailed and itemized breakdown of the current amount owed, including any fees or interest that have been added. 
XXXX. The name of the creditor to whom the debt is owed Identify the original creditor, along with any details that may have changed if this debt has been sold, transferred, or assigned. 
XXXX. XXXX that the debt belongs to me Please send me a copy of any documentation or agreement that clearly establishes that this debt is associated with my name and details. 
XXXX. Proof of your authority to collect the debt Provide evidence of your legal authority to collect this debt, including any documentation proving your agencys involvement, such as a contract or agreement with the original creditor. 
XXXX. Complete record of payments and charges I request a full payment history, along with any charges or credits applied to the account, showing how the amount claimed was calculated. 
XXXX. Verification of the debts age and status Given that certain debts may fall outside of the statute of limitations for collection in my state, please confirm the date this debt was incurred and the last payment date. 
XXXX. Notice of my rights I request full disclosure of my rights, including information on disputing or challenging this debt if the information provided is incomplete or incorrect. 
If Jefferson Capital LLC can not substantiate these items with verifiable documentation within require time frame of receipt of this letter, I formally demand that you immediately cease collection activity, delete any negative credit reporting related to this debt, and refrain from future contact regarding this account like the too many texts and emails you all send about an account I do not know anything about. 
Additionally, if you continue to report this debt to the credit bureaus without appropriate validation, you may be in violation of the Fair Credit Reporting Act ( FCRA ) and the FDCPA, subjecting your company to possible penalties. Failure to respond with the requested documentation may lead me to file complaints with the CFPB and my state 's Attorney General. 
Thank you for your attention to this matter. Please confirm receipt of this request and respond within the time frame required to my mailing address above. 
Sincerely, XXXX XXXX
Product: Student loan

I received bad information about my loans over the years from XXXX XXXX, which is now called Navient. My private loan amounts have continued to sky rocket even though I 've made payments. The interest is outrageous and continues to go up. I feel like i 'll never have them paid off. They have charged some unconstitutional fees that I do n't think should be added when you are trying to pay off your students. Navient/XXXX has never really been a company that is workable. I 've always seemed to go circles with their customer service and getting different answers on my loans. I do n't feel like there is any relief in sight. I have trouble with how the payments are handled back since I graduated XX/XX/XXXX from XXXX University. XXXX closed their doors officially XX/XX/XXXX, and they have given me the run around on why their doors were actually closed.
Product: Credit reporting

There are XXXX hard inquiries done by XXXX XXXX which They had no authorization to do. Im an employee of a XXXX and that was our floorplan company.im just an employee, no manager, owner or nothing.
Product: Debt collection

I had one account with XXXX XXXX that went into collections for the amount of {$160.00} XXXX XXXX then duplicated the account into other payment amounts {$340.00} and {$210.00}, which are inadequate. Instead of resolving the issue with me XXXX reported the inadequate amounts to the credit bureaus creating a substantial drop in me credit score and then falsified invoices with the amounts and sold to a debt collector by the name of McCarthy, Bruges and Wolf.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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
Product: Mortgage

When I closed my mortgage in 2014 at a local bank here I was required to have PMI -private mortgage insurance. I have heard and read in countless places that this insurance is only required until a certain Loan to Value is reached, which I believe I reached a while back I am easily below 80 % ( XXXX estimate puts my LTV at 60 % ) and I have no additional liens. but here is the thing : I have called US bank multiple times over the years about it and Ive been told that I must pay PMI over the entire life of the loan because it was shown in an amortization schedule. I cant find in my loan docs any really clear specifics about PMI, and I was never told the presence of the amortization schedule was a guarantee of payment over the entire life of the loan, and since Ive seen legal thresholds observed elsewhere, I am concerned my money is being taken inappropriately. I dont want to pay the ~ {$60.00} a month when all of my friends and family in similar situations say their mortgage companies dropped it. Can someone please look at canceling the PMI, and providing a refund for the overcharged amounts? I know US Bank is one of the biggest banks in the country, and this practice feels like a serious UDAAP violation.
Product: Credit reporting or other personal consumer reports

RE : XX/XX/XXXX BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Employer - XX/XX/XXXX Incorrect DOB : - XXXX Employer - XX/XX/XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX AXX/XX/XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Listed below are the Collections that are being challenged XX/XX/XXXX - XXXX XXXX XX/XX/XXXX Listed below are the Inquiries that are being challenged XX/XX/XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XX/XX/XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XX/XX/XXXXPART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN XX/XX/XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Mortgage

Nationstar approved XXXX XXXX for a hamp 2 mod. Letter dated XXXX XXXX to begin XX/XX/XXXX. XXXX XXXX did not receive letter. I called attorney XXXX XXXX for copy. Got it XXXX XXXX. XXXX XXXX makes payments directly from her XXXX payroll. She had to instruct XXXX payroll of her new payment amount. This took 2 weeks for XXXX to process the new payment amount. Payment was to be {$630.00} XXXX payroll multiplied XXXX by XXXX then divided by XXXX to get the amount to be taken out every pay. Even though that amount would be less than the XXXX every month Nationstar actually got more than the XXXX every month for XXXX months. Nationstar received XXXX pays in XXXX. XXXX x from payroll datedXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$260.00} for a total of {$800.00}. Then payroll payments in XXXX XX/XX/XXXX & XX/XX/XXXX of {$290.00} totaling XXXX, At the end of XXXX Nation star received XXXX when all they needed was XXXX. Then payroll payments of XX/XX/XXXX & XX/XX/XXXX of XXXX totaling XXXX. So Nationstar did receive {$1900.00}, whereas they only needed XXXX by the end of XX/XX/XXXX. I do believe they met the HAMP trial plan payments, even though the payments were partial payments. The Permenters demonstrate the ability to make the payments and should therefore honor the trial plan payments and provide a permanent modification under hamp 2. Also there are checks made payable to Nationstar on XXXX checks from XX/XX/XXXX. XXXX needs a written authorization from Nationstar to void these checks and disburse money to XXXX XXXX This was requested on XX/XX/XXXX. Nationstar still has not provided that written authorization. Had XXXX XXXX received the written authorization she would have had the money to make the full payment herself instead of using the XXXX payroll to submit payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is reporting that I owe a balance when I have paid. I have tried to dispute but its coming back as verified when its not accurate. Please remove this inaccurate from my credit report.
Product: Debt collection

This account was created fraudulently. I never opened this account. I even paid toward the account to get it off my credit file in 2012. They still refused to remove it. Customer service representative did n't care about me not creating this account. They still held me responsible for this account that I did not create.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 XXXX XXXX scammed me into paying him {$1000.00} for a washing machine. I paid him using his phone number of +XXXX ( XXXX ) XXXX through the XXXX XXXX app, specifically the XXXX feature. XXXX claimed he would deliver the unit upon receiving payment. He has not delivered the unit and his phone number is now inactive. Please help me, I feel hopeless about the loss of these funds.
Product: Mortgage

I filed a complaint against XXXX XXXX, XXXX XXXX, and XXXX. I am asking SPS to cancel my sale date. The case number is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is reporting 3 accounts to my credit report that have been settled. The balance should be XXXX and not reporting charged off anymore. I request removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


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 DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX XXXX   : XXXX NO VALID CREDITOR : XXXX NO VALID CREDITOR : XXXX INQUIRES : XXXX XXXX  : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX   XXXX/XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX-XXXX XXXX  : XX/XX/XXXX XXXX:XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX , XXXX : XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXX/XX/XXXX: XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXX& : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX: XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX XXXX XX/XX/XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX shut my account down, and thousands of other customers down. Their customer service has been unreachable ever since. I've sent over 20 emails, and have called their phone number over 10 times and all that I get is an automated response to email them. When " XXXX XXXX '' calls you, they immediately hang up. It's being powered by robots and there are no human customer service representatives. My XXXX, and Equifax credit reports are now damaged, when this should not be the case at all. 

My bank even refunded me the funds they took out of my account, because even they deemed that this was completely unethical and they were not able to get in contact with the company. I've also filed a dispute with helpwithmybank.gov. 

The account still shows as " open '' when it's closed. They also have inaccurately have reported me as late.I 've been begging and pleading with them to get in contact with a human representative but that isn't possible. I'm not quite sure if this will require legal action for this issue to get resolved, but I want this company removed off of all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been driving with XXXX for 5 years when on a routine background check the rejected my employment because of a background report from Checkr. When I look in the report Checkr has sent me there is no negative information. I paid to run an independent report from XXXX which came back clear. Checkr has irreparably damaged my employment opportunity with XXXX.
Product: Debt collection

I have been sued by Pressler & Pressler and they received a default judgement against me for a debt I do not owe. They have never answered my questions about who I owe, show me any proof, just kept forging along. They requested a wage garnishment and the judge denied it. Now they sent a sheriffs officer to my Broker, ( realtor ) with a writ of execution to garnish my future commissions {$1700.00} that they say I owe. Are they allowed to do this arbitrarily? I have had so much trouble with this identity theft issue for many years and I am struggling to keep even my mortgage up to date. I just do n't know what to do.
Product: Credit card or prepaid card

On XX/XX/2022 at or about XXXX XXXX, I submitted a CITIBANK " FLEX LOAN '' with the following terms on the " agree and Submit '' page, to wit : Loan Amount {$10000.00}, APR 5.99 %, Monthly payment {$200.00}, Number of Payments 60 - delivered to my XXXX  account. Any reasonable person reading this promotional offer would understand that to be tantamount to a loan payment for a car fixed for 60 months. Upon receipt of the first statement it was noticed that the first payment was {$260.00} adding interest of {$57.00}. When called, Citibank stated that this was not the case but that interest was added each month to the unpaid balance- NOT WHAT WAS REPRESENTED BY CITIBANK NOR WHAT WAS AGREED TO AND SUBMITTED. Citibank had the nerve to inform me that I could ( 1 ) cancel this loan and pay it back or ( 2 ) cancel the loan and go to the higher 23.49 % interest rate immediately. Both options are totally unworkable and may, down the road, force me into a XXXX XXXX situation. I used this so called LOAN to payoff other higher rate credit cards ( which can not be undone ) and thought I was getting a loan with fixed monthly payments rather than a disguised cash advance from a credit card company - have a bunch of those- but chose this approach to get a fixed loan for 60 months not a credit card whose outstanding balance goes down each month with a payment. If this is not Fraudulent Misrepresentation I do not know what would qualify for this type of misleading and predatory offers that do not disclose the interest payment is added to the {$200.00} payment as described herein. I am between a rock and a hard place and I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Need Copy of credit report w credit score 3 months worth of income source I am a landlord, and less than 2 years ago, I successfully used Experian landlord credit report feature to see the reports of potential tenants. I tried using Experience feature about 1 months ago and the system was not allowing me to send report request to tenants. So I then opted to use XXXX for my tenant applicant and XXXX has a feature that I can view the applicants credit report. When I try using XXXX  credit report check feature with my first applicant, it happens to be with Experian Experian says I have a security freeze and that I needed to send VIA MAIL ID, Bills with address etc so that they can verify my ID, despite me having a PIN for my freeze. I sent in the required information on XX/XX/2018 via USPS. Its XX/XX/18 and I have not heard from Experian and I still cant view my tenants credit report to make an informed decision. I have no idea if I am even going to be able to view my tenant credit history forcing me to have to make a blind decision. I dont understand why I am having such a difficult time with Experian when I have used their services successfully in the past and my security freeze I place myself years ago as a protective measure. Additionally, the tenant applicant paid money for me to be able to view their credit report. Lastly, I have tried calling whatever number I can to speak with someone at Experian but I cant get past the machine operators to speak to a live person. With the amount of information and power credit agencies have, they really should make themselves available to fix issues like this. This could potentially cost me good tenants and thus money.
Product: Credit card

I have store credit cards from Synchrony Bank for Lowes and Sam 's Club. I also have a consumer credit loan for an HVAC system from XXXX XXXX in XXXX, TN also through Synchrony Bank. Synchrony has started charging {$1.00} per month to send paper bills. This was not the case when I initiated the credit requests with Lowes, Sam 's Club and XXXX. Synchrony gave a no charge option if one opted to use paperless billing but that requires much more vigilance to ensure an email is not missed possibly resulting in a late or missed payment. A late or missed payment allows Synchrony Bank to apply late fees and also triggers a substantial increase in interest rates they can charge. The {$1.00} monthly fee will generate millions of dollars in revenue for Synchrony but that pales in comparison to the interest income generated by higher interest rates being charged. I can simply avoid the issue by not using the Lowe 's or Sam 's Club cards but the HVAC loan is at XXXX percent over 10 years. This seems like a no-lose deal for Synchrony and a no-win for the consumer and I think it should be illegal for Synchrony Bank to start charging this fee after the fact.
Product: Checking or savings account

It appears Navy Federal Credit Union breached their fiduciary duty in the handling of consumer credit transactions that they processed on my behalf. They failed to act in my best interest and with utmost good faith. 

Navy Federal Credit Union failed to provide full and fair disclosure of all material facts of hte consumer credit transaction and notify me of the processes of the transactions, the whereabouts of my financial assets and their proceeds, and failed to provide me with a monthly statement for any and all accounts, including but not limited to segregated, custodial, and securities accounts, they opened on my behalf in my name, at Navy Federal Credit Union or other financial institutions while serving as the Securities Intermediary and attorney-in-fact for each transaction and asset for which there is a book entry documented. I am also demanding the disclosure of the CUSIP numbers of my financial assets. 

On XXXX XXXX XXXX an employee or agent of Navy Federal Credit Union signed for my documents sent via USPS XXXX XXXX, signature required, addressed to their headquarters to the attention of Transfer Message Department and/or CFO. Enclosed with my cover letter were entitlement orders/transfer message, notarized revocation of power of attorney, and the corresponding authorities for entitlement orders, financial assets, securities intermediaries, and securities accounts. 

I requested Navy Federal to disclose all accounts associated with my financial assets, sell all positions, settle any outstanding obligations that I may have, close those accounts, and transfer the proceeds to a securities account of my choice. 

To-date, I have not received any of the requested documentations, and Navy Federal Credit Union has failed to process my entittlement orders according to my demand as the Secured Party/Entitlement Holder/Issuer of the financial assets XXXX I have not received correspondence from Navy Federal Credit Union stating that they are processing or need more information. Therefore, there should not be any delays in the processing of my entitlement orders. 

The failure to fully disclose the information is a violation of Truth in Lending, and as such, requires treble damages in the amount of three times the finance charge. 

The financial assets for which power of attorney were revoked, and proceeds and documentation was requested for were initiated on : 1. XX/XX/XXXX, {$74000.00} 2. XXXX {$63000.00} 3. XXXX, {$52000.00} 4. XXXX {$5200.00}