23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about I called my lien holder Santander and tried to begin or arrange some sort of payment plan because I was falling behind, although they never one time sent a letter of notification of my account being in default and the person on the phone was trying to tell me she was attempting to collect a debt that whole thing with me XXXX this is not a debt collector agency it cant legally charge off the debt and then use it as a loss to their shareholders like I was informed then on several streaming to timely update the major credit reporting bureaus they made huge and potentially very violation and deceptive acts such as making my account as closed and charged off as a loss but they cant sell the debt to themselves because they are as federal law can adjudicate because I also never regret one collection letter to the matter of default or notification to collect because legally they can have the thought that they can identify as. A debt collector and thst bought the debt even not after 180 days to legally fault and anyway they reported on a different report that my account last payment was in XXXX when the other agencies had charged off the entire debt and used as a loss to the shareholders so they also never once made a collection call of sent notice so I could dispute snd also verify the value of the debt so they just came and actually legally had legal documents to take my car they never did one Indiana law to legitimize the repossession of my vehicle because they did not sell the debt in i order to collect my property especially if my other credit report Is showing the balance Id accruing interest after it was charged off because the difference in the charge off amount and the fact the are not reporting that payments I did make after my charge off
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on credit report equifax refuses to show proof of the investigation they did to verify. I have no knowledge of this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

( Original Creditor : XXXX XXXX ) XXXX and ( Original Creditor : )  XXXX
Product: Student loan

XXXX XXXX admissions department aggressively recruited me. This complaint is of coercive, deceptive XXXX recruiting pitches that target the prospective enrollees. XXXX lied to me about the costs & transferability of credits, about job placement rates & earnings after graduation. The XXXX XXXX recruiter told me that I would be earning XXXX to XXXX right out of college. That was not the case. In fact, the first job I got out of college paid under {$10.00} hr. I was told that the schools tuition was much less expensive than other colleges in Tennessee when at {$44000.00} ( the cost of a XXXX XXXX XXXX at XXXX Tennessee campus ) I could have received a XXXX degree at a local college. The cost was almost 3 times as much as a comparable XXXX XXXX program. XXXX offered dismal to no job placement assistance. I would call & call & no one would call me back. I received emails from XXXX XXXX for job offers, but not in my field of study. They offered absolutely nothing related to my degree. One job I applied to on my own using a local job service told me that XXXX XXXX was a joke. I learned more skills on the job than I did in college at XXXX. I lost valuable years attending XXXX when I could have been earning a degree from a better school. This experience has strained my family relationship because of the XXXX of me & my mom repaying this debt. The repayment amount is going to require that I live at home because I ca n't afford to repay this debt with the job I have. It has ruined my financial life, my credit, & most of all they stole my potential professional future which I will never get back. Every single night I think about my part of this loan not to mention my moms part of the loan & how it has affected us as a family & our finances. I have lost & am still losing sleep worrying about repayment & how different it could have been had their promises of great job offers an income been true. This has had a greater impact on me since finding out I have a XXXX on the way ; It is even a greater source of stress in my life. I would like to join the group of individuals requesting a student loan forgiveness from XXXX XXXX.
Product: Checking or savings account

This is an update to COMPLAINT ID XXXX. 
I got another email from Discover advising that their 60 day policy does not in fact exist as it has not been put in writing and promulgated to anyone. Email is attached.
Product: Money transfer, virtual currency, or money service

Hello i'm contacting you guys in regards to either unlocking my account or closing it and sending my check in the mail. It started with robinhood locking my card and i was unable to use the card. I tried all the ways they told me to verify generally ive had a great relationship with them they generally fix my issues. But this time they want me to verify account statements i've no longer have access to nor the banks because the accounts are closed. So id be really happy if they can unlock my card and let me continue using the service or id just simply like to close the account and send me a check of my remaining balance.
Product: Mortgage

I received my modification letter yesterday XXXX XXXX, XXXX which was a partial claim modification that was underwritten under guidelines that are no longer valid in view of the new Covid 19 recovery modification guidelines issued as of XX/XX/XXXX. The modification that was offered to me is only a 14 % reduction versus the mandated 25 % reduction required under Covid 19 alm modification for fha loans. In order to achieve the 25 % reduction, mortgagees are required to do a partial claim of the principal if the term extension and rate reduction are insufficient. No partial claim principal reduction was done, despite having an additional {$67000.00} of partial claim funds that could have been applied to reduce the principal and achieve the 25 % reduction. Further, I was supposed to be given 30 days to respond to this letter and was given 12 calendar days, as a response was required by XX/XX/XXXX. I called to inquire abt these discrepancies and was rebuffed and told that this was my only option for loan modification, given no explanation as to why the correct modification guidelines were not followed or employed, and told basically to sign the papers and return them by XX/XX/XXXX or foreclosure proceedings will be initiated. I called again to speak to someone else who then told me that my principal should actually be higher than my original principal that had been owed, and that the {$300.00} savings that they are offering me is sufficient. It is clear that because this loan modification program is not incentivized, that mortgagees will lose out on interest that will result from partial claims on principal balances, because it will reduce the balance on which interest is calculated and accrued, and therefore they are not reducing the principal balance as required, and are forcing the consumer to pay additional interest that under law should be placed under the partial claim loan, which is zero interest. This is misleading and is fraudulent. The {$67000.00} should be applied to the principal balance to achieve the 25 % reduction in principal and interest
Product: Credit card or prepaid card

On XX/XX/XXXX I received letters from Synchrony Bank that my credit cards I possessed with them have been cancelled and closed based on activity on the accounts indicative of high risk of failure to pay. I have several years with these cards and most of these cards were issued when I did have good credit. Since 2 years ago, and during the pandemic my income did decrease as I got a divorce, my mom died during the pandemic and I lost my job and cared for my mom to take care of her. I moved in with her and cared for her as she developed XXXX XXXX and eventually died on XX/XX/XXXX. I was caring for her household and my own home which was located XXXX hours away. My income did decrease and since have gained employment and obtaining social security benefits as I will be XXXX this year. Most of my cards were in good terms and i have auto pay as I worked very hard to maintain good credit with synchrony and now they have cancelled all my cards with the company and of course my credit has hit rock bottom. I understand the terms that they have every right to cancel at any time, but it makes me upset they did it unexpectedly and while many of my cards were in good standing and it wasnt until I tried to use them that I understand they were cancelled by Synchrony. They monopolize the issuance of these cards and now I an stuck with paying them with very high interest rates. I would like to have them be reinstated if possible or offer a mutual agreement to decrease interest rate so that i can work out payment arrangements that fit my budget.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized/Inaccurate Credit Inquiry Dear Sir/Madam , I am writing to formally dispute some credit inquiries that appears on my credit report, as provided by your agency. I have reviewed my credit report and noticed some inquiries that I believe is either inaccurate or unauthorized. 
Inquiry Details : 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 XXXXXX/XX/XXXX I believe that these inquiries is inaccurate or has been made without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and authorized information reflected in my credit report. Specifically, Section 604 of the FCRA ( 15 U.S.C. 1681b ) limits the types of inquiries that can be made into my credit report and requires my consent for certain types of credit checks.

I request that you investigate this inquiry and remove it from my credit report if it was made in error or without my permission. If the inquiry was made without my consent or if the business is unable to provide proof of authorization, I ask that you delete this inquiry in compliance with the FCRA. 
Please conduct a thorough investigation into this matter and notify me of your findings within the 30-day period required by the FCRA. If you require any additional information or documentation from me, please let me know as soon as possible. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the disputed inquiry has been removed from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  and the rest of there little circle of credit personal tarnish and make sure i can't succeed in life
Product: Checking or savings account

I am writing to formally express my concern regarding the ongoing investigation into my recent fraud dispute, which has yet to be resolved. When I initially reported the unauthorized transactions, I was assured that a temporary credit would be issued within three business days. However, upon following up, I was informed that the timeline had been extended to ten business days without prior notice or explanation. 

Additionally, I requested that a replacement card be expedited to me due to the urgent nature of the situation, but this request was never processed. This claim involves a large amount of funds, which are critical for my automatic bill payments. The delay in processing this dispute has placed me in a very difficult financial position, and I am deeply concerned about the security of my account. 

The fraudulent transactions were made after my debit card, identification, and Social Security number were lost and used without my authorization. This situation has made me feel that my personal and financial information is not safe with your institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm announced me as deceased to XXXX. I filed a dispute with XXXX who stated the information is accurate. This needs to be fixed.
Product: Debt collection

I received a phone call from NCC about a dept owed to   XXXX   XXXX  . They stated I owe {$490.00} and they have been sending notifications and calls. They stated they have me at   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX  MD  XXXX . I told them that is not my correct address and I moved from there in  XXXX  2016, I live at a different address. It I still live on the property. They dismissed it and stated it 's about to be reported to the credit bureaus if I do n't make a payment now. I asked them why was n't I notified in a timely manner, and I just got laid off. I do n't have anything as of right now and if they can at least give me two weeks until my appeal comes back from unemployment. They stated they could not only if I can post date a check. I told them I 'm not trying to pay them unintentionally, but I do n't have a job and I need to wait for unemployment. He could not provide me with a date it will be reported nor did he ask for my correct address.
Product: Money transfer, virtual currency, or money service

The company name is Klarna. 
XXXX XXXX XXXXXXXX It's an invitation only job. 

Its a commercial merchandise rating service. I initially took on a small XXXX XXXX to help pay for my sons XXXX XXXXXXXX. My task was to rate all merchandise with five stars and leave positive comments. The deal was that once I completed XXXX orders, I would earn money. 

However, they introduced a so-called XXXX XXXXr that required me to submit my own money, promising that I would double or even triple my investment in return. I started contributing small amounts, and eventually, I reached a point where I was set to withdraw {$50000.00} with a {$20000.00} net profit. 

But thats when everything fell apart. When I attempted to withdraw my earnings, they threatened that I needed to submit {$20000.00} each time to release my funds. This continued to escalatefirst to {$70000.00}, and then they kept coming up with manipulative excuses to withhold the money. Now, the total has reached {$170000.00}. 

They kept insisting that if I just made one final payment, all my funds would be released. But every time I complied, they invented another reason to withhold the money. Just when I thought everything would be settled, their so-called security department sent me another message demanding even more money. Heres what they said I have more messages I can get in every stage. I can compile that provide all of them to you. So then now XXXX is my money and only XXXX is their money. I also paid XXXX tax. 

This is the very latest message from them : Hello, after the highest security department information feedback, your personal account is suspected of malicious money laundering led to your funds by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) wind control monitoring, blocked the funds, the XXXX XXXX XXXX XXXX XXXX XXXX ) suspects that this account is suspected of money laundering, and therefore need to provide proof that the funds come from the formal investment channels, according to the provisions of the Banking Regulations Prevention of Money Laundering Activities Guidelines for the Prevention of Money Laundering Activities as stipulated in the Banking Regulation, which requires XXXX ( XXXX XXXX ) to identify customers, keep records, identify and report suspicious transactions, your account will be further scrutinized. 
After inquiring the U.S. ( XXXX ) department, ( KLARNA ) has provided you with personal identity, task records, access records to the monitoring department, so the network investment regulatory department indicates that ( Klarna ) need to make a guarantee for you to pay out, in order to unlock the frozen funds for you, so ( Klarna ) and withdrawals of money from the user needs to be at the same time each account to the Ministry of Supervision of the risk of payment of 15 percent The U.S. ( XXXX ) department will transfer the funds to your crypto account only after receiving the deposit from both parties. XXXX requires you and our company to provide your transaction records and proof of source of funds before unblocking. 

This is a total scam. Please help resolve this issues.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain accounts and inquiries from my credit report as I am a victim of a data breach. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting that you block and delete the following accounts : Accounts to be Deleted : XXXX & XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$590.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$600.00} Additionally, I request the removal of the following inquiries : Unauthorized Inquiries to be Deleted : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I traded in my XXXX XXXXXXXX XXXX XXXX on a new vehicle. Ally Financial reported it as written off in bankruptcy which is not factual.
Product: Credit reporting

I am rejecting this response because : I have a right to request the credit reporting agencies method of verification under FCRA, Section 609 a ( 2 ) You must disclose the source of this information to me. 
Also FCRA Section 611 paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states. " if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency including the business name and address of any furnisher of the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.. In this case you said you spoke to your 3rd party vendor. I am requesting the following. 

If you can not supply me with this information in 15 days I want this incorrect information removed from my credit report or my next response will be to file a small claims lawsuit against your company to legally have it removed. 


( a ) The name of the 3rd party vendor ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute.
Product: Credit card or prepaid card

On XX/XX/17 I received an email notification from Capital One confirming if a XXXX purchase on a credit card was valid.  I asked my husband about this since it is his credit card and he then realized that he lost his wallet.  I then called Capital one immediately and told them that the credit card was lost.  I check another credit card and that also had a XXXX charge of over $1000.00 on it and called XXXX XXXX and told them about it.  I also called XXXX XXXX and XXXX XXXX to notify them of it.  No charges were on those two.  Only unauthorized charges were on the Capital One and XXXX XXXX.  Capital one put a hold on the charges back inXX/XX/XXXX and reverse the charges.  I received two letters dated XX/XX/17 on XX/XX/17 from Capital One stating that they did not find any indications of fraud and it now charging us the XXXX that wants us to pay for it.  I called on XX/XX/17 and spoke with someone from Fraud department and they said that only the person who handles the case can re-open it.  I left a voicemail message on XX/XX/17 and was told I would get a call back in 2 working dates.  As of today XX/XX/17 I have not received a call and call back and left another voice mail message and hope that they would call me back.  I am filing a complaint now so that someone can help me out. The Fraud person I spoke to on XX/XX/17 stated that it could not be a fraud because the credit card machine was a chip card and it could not have been a counterfeid.
Product: Credit reporting or other personal consumer reports

I have been victim of identity theft. My personal information has been used to obtain goods and services. I contacted Equifax and told them that this Fradulent Credit Account are fradulent and provided proof, Even though they told me that this Account were veriferd. Please remove and dispute Listed Fradulent credit account on my credit report it's very importan for me XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account SYNCB/CARECR XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that SYNCB/CARECR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of fcra rules section 1681 for reporting XXXX XXXX XXXX XXXX to my credit report without notification 5 business days as required by federal law.
Product: Checking or savings account

XXXX took money from my business TD bank account, I informed TDBank that XXXX. Com was taking money from my account but was not paying on my trip from XXXX XXXX to XXXX XXXX XXXX weekend 2020 Td bank refunded the money but late recouped it back and said XXXX had the right to take my money and not refunded me, I informed TD bank XXXX. XXXX is a fraud Company and is under investigation by the Attorney general of Florida and Massachusetts
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are still reporting inaccurate accounts on my credit report after I properly disputed the accounts. 

XXXX  said the sole the issue, but didnt say how or provide me with no proof and that illegal. So the company is illegal reporting accounts on my credit. 

Experian never even notified me of the status of my disputes, which is also illegal. 

Im attaching the letters I sent to them containing the inaccurate accounts.
Product: Mortgage

I was denied a loss mitigation package and was not given the option to appeal. My package was denied XX/XX/XXXX and my home was sold XX/XX/XXXX. I was required to turn in the same documents over and over again and turn in a new loss mitigation package after they said the one I turned in was not complete when it was in there system and consider facially complete. They also took over 30 days to evaluate the completed package.