23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

From XXXX XXXX, XXXX to XXXX XXXX, XXXX I was XXXX, durring these dates i had an account with netspend corporation where SSI benefits was being sent to. My account was used and funds spent out. In XXXX XXXX after being sent to an XXXX i found out they were spent illegally. I file an complaint against all transactions made durring that time ( dispute ref. # XXXX ), netspend only creditted {$600.00} to my account in XXXX, XXXX out of the {$1300.00} `that was sent to me from social security administration for two months ( $ XXXX/mo. ) that was spent out. I continue to call and request for the rest thats owed to me and they either tell me thats all they can verify spent but where no money in my account or they hang the phone up. Last contact where the call was hung up was XXXX/XXXX/XXXX at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Since XXXX I have been sending in disputed letter every 3 months to get the following accounts deleted from my credit file XXXX XXXX shows closed on XX/XX/XXXX and a payment was made in XXXX is incorrect I never made a payment XXXX XXXX- shows it was XXXX XX/XX/XXXX and the last payment was XX/XX/XXXX -this is incorrect These accounts listed above I requested on numerous occasions I wanted a copy of the signed application with my signature the companies have failed to provide these documents Under the FCRA laws a creditor is required to provide accurate documentation to the consumer and if they can not provide documentation the tradeline must be deleted or they will be in violation XXXX XXXX XXXX-discharged in a XXXX XXXX in XXXX XXXX is still showing as an open derogatory account this account should not even show in my credit file. This account shows I made a payment on XX/XX/XXXX this account was included in a bankruptcy in XX/XX/XXXX. This is incorrect
Product: Mortgage

In XX/XX/XXXX I fell behind in my mortgage payments to JP Morgan Chase due to a job loss and began the process of requesting a Loan Modification. The property had been purchased in XX/XX/XXXX and the Loan Modification Agreement came in XXXX XX/XX/XXXX. My complaint regards the terms of the modification ( the Loan Modification Agreement is attached ). My original loan had an interest rate of 7.5 %, which is exactly the rate on the loan modification. I was 17 years into a fixed rate 30 year mortgage, and the agreement is for 40 years, in effect turning a 30 year mortgage fixed rate mortgage into a 57 year mortgage. In good faith I trusted JP Morgan Chase to provide me with the best possible solution ( their words ) for my situation. The intent of the Making Home Affordable Program was to assist consumers, not take advantage of them. I accuse Chase of acting in bad faith, not providing multiple options to prevent foreclosure and undermining the federal government mandate when it comes to housing assistance. I realize that I am just one of many consumers defrauded by Chase and because I was not given a viable solution I went with what I was offered. I probably have paid for this house in full already and as a XXXX year old retiree I believe my hopes of paying off this debt to be nonexistent.
Product: Credit card

I purchased a sleep number bed in XXXX of XXXX at the time of the purchase i entered into a purchase arrangement which provided three year financing at 0 % interest ; which was provided by Synchrony Bank . I paid {$200.00} to Synchrony and then set up my checking account for auto-pay so that the specific monthly payments could be deducted from my banking account by Synchrony. Instead of deducting the monthly payment amount, Synchrony deducted the full purchase price, {$4600.00}, from my account. ( this was NOT what i agreed to ). Since then, i have had multiple conversations with Synchrony in which they indicate that in fact it was an error on their end and they would be sending me a refund check. To this day, no refund check has been received by me, although they claim that a check had been issued XX/XX/XXXX, ( this was after three months of monthly multiple hour long calls ) Today, XXXX i again called Synchrony and now i am being told they have to " investigate '' what might have happened, as they cant confirm that i didnt cash the check? Really,?!! i would be concerned about their banking systems if they couldnt immediately see that a check they had written almost a month ago had or had not been cashed. without needing an investigation. So, here again, i still dont have my refund and now they dont know when i will since they dont know how long their " investigation '' will take. If i had in fact deposited the check, by claiming that i hadn't, i would be committing fraud. I find their ongoing stories and lack of refunding me money which i am owed for several months is something a regulatory agency should be aware of. Shows to me that they dont have a good handle on how they handle payments and/or they are trying to hold onto my money as long as possible without paying me interest. It should not take this much effort to receive a refund which i have been due for several months. And its surprising that the statements dont get " lost in the mail '' but their refund check does. Something doesnt seem right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am writing to address a pressing matter concerning the inaccurate information on my federal student loan, previously serviced by XXXX XXXX and now XXXX. The reporting of erroneous and incorrect data on my credit report has persisted for the past year, and it is crucial that this issue is resolved promptly. 

Upon the transfer of my loan servicing from XXXX XXXX to XXXX, I had anticipated that any previous reporting errors would be rectified. Unfortunately, to my dismay, these discrepancies were carried over to the new reporting system. These inaccuracies are undeniably detrimental to my credit score, unfairly compromising my financial standing. 

Despite my repeated attempts to resolve this matter, the errors persistently resurface and are verified as accurate. I have attached copies of the credit reports from each of the Major Bureaus, which clearly demonstrate the differing, incorrect, incomplete, and inaccurate information being reported. It is my firm belief that these discrepancies flagrantly violate the Fair Credit Reporting Act ( FCRA ). 

The current state of reporting not only tarnishes my credit history but also severely hampers my ability to secure loans. Such unjust reporting should not be tolerated in any circumstance. 

I implore you to take immediate action to rectify these inaccuracies, thoroughly investigate the violations to the FCRA, and ensure that the correct and accurate information is reflected on my credit report or REMOVE THE NEGATIVE REMARKS on my PAYMENT HISTORY. Additionally, I kindly request that you provide me with a comprehensive update regarding the progress and resolution of this matter. 

I understand the importance of adhering to the regulations outlined in the FCRA, and I trust that you share the same commitment to upholding these consumer rights. I anticipate a swift and satisfactory resolution to this issue. 

Thank you for your prompt attention to this matter. I look forward to your immediate action and a favorable response.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cred Mgmt Opened XX/XX/XXXX + {$42.00} Original creditor : XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Cred Mgmt Opened XX/XX/XXXX + {$42.00} Original creditor : XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

We were making extra payments in XX/XX/XXXX for what we thought was for our escrow because they were only having us pay XXXX XXXX a month for taxes ( INSANE ). Well that whole time that money was going to our principal instead. We did not catch this till the beginning of XX/XX/XXXX and they are telling us they ca n't do anything about XX/XX/XXXX extra payments to our principal and so we now went from a {$1000.00} mortgage payment to a {$1700.00} mortgage payment when it should n't be that way because they had a couple thousand dollars that was supposed to be used to be pay for the escrow when they finally figured it out but instead that went to our principal. We have called at least 10 times and asked to speak to a supervisor and not once have we ever gotten a phone call back. We just want the money transferred from XX/XX/XXXX that went to our principal to our escrow. It is OUR money and instead of just doing it they are putting it off hoping we will forget/telling us they ca n't do it, which is a lie
Product: Credit reporting or other personal consumer reports

Good evening. I was informed of this account on my credit while in the process of trying to buy my first home with my VA loan for a XXXX gift for my family. As my wife just had our XXXX baby and we have a bad area we have been renting in. The credit advisor told me that it is reported I made a payment on this account in XXXX of XXXX after the vehicle was repossessed from me in XXXX of XXXX I thought but I could be mistaken but I know I made no payment after repossession. I also was informed that the information being reported on this account is also being reported inaccurately with dates and still being reported on my credit account when I have had no contact from any company in the last 7 years about this repossession still being reported as if I am aware or am still in possession of the car. I was told the company reported in XXXX and also in other months but I have not been aware this has been affecting my credit that I am not careless with. I have attached what the creditor has provided me and hope that this reaches the right department. I hope this can be resolved so I can move forward for my family. I have not owned a vehicle in years and would like to at least be able to house my family as I pursue a position as deputy in my town. Thank you for your time. Happy holidays. 
Best regards, XXXX XXXX
Product: Credit reporting

I ca n't get either a credit score or report. I 'm afraid I might have gotten identity theft.
Product: Debt collection

Actions taken by Comenity Bank : - repeated phone calls every day after being told not to be contacted any further because of possible scam since XX/XX/2023- XXXX XXXX ( XXXX ext. XXXX ) - XX/XX/2023 contacted third parties ( father and mother ) discussing related debt owed and made threats about getting a lawyer and taking legal action. Based on what my father said, he was not being professional. 

- XXXX XXXX - XX/XX/2023 when on the phone with me ( the person who actually owes the debt ) threatened to send to collections. He also threatened that the court will file a subpoena against me and that I need to get a lawyer. He said that in the state of Ohio I could go to jail for this because I am committing " fraud ''. Over an {$83.00} original balance due. While also on the phone with him, he said " I need to take accountability '', which I would do if they ever decided to mail me the physical XXXX Credit Card and explain what I supposedly bought. If I have never received the physical card in the mail to activate it, how can I be sure that this isn't a scam. I have received no bills to the address on file. 

- XX/XX/2023- Comenity Bank called me, I answered. I stated to this person ( I don't remember who ) that I never received a physical card copy in the mail and that I have received no bills relating to the debt I apparently owe. At this time, I was sure that it was a scam. It was not a professional call at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

ERC # XXXX XX/XX/XXXX {$270.00} XXXX # XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX # XXXX {$240.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$2400.00} THE FOLLOWING ACCOUNTSARE FRAUDULENT PLEASE DELETE
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 
Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Response to Notice Regarding FCRA Section 605B sent to me, dated XX/XX/2024 Dear TransUnion, I am writing to address the recent communication from your office dated [ date ], regarding my request under Section 605B of the Fair Credit Reporting Act ( FCRA ). In your response, you have made the audacious assertion that my request is either an error, a misrepresentation of material fact, or an attempt to obtain goods/services. Frankly, I find this response both egregious and utterly unacceptable. 

Let me be unequivocally clear : I am utterly exasperated by your continued disregard for the gravity of my situation and your failure to comprehend the severity of the identity theft I am enduring. Your cavalier dismissal of my request as a mere error or misrepresentation is an insult to my intelligence and a slap in the face to the countless individuals who have fallen victim to identity theft. 

I find it utterly preposterous that you would dare to insinuate that my request, supported by irrefutable evidence including a meticulously filed police report and thorough documentation of my identity, could be misconstrued as anything other than a legitimate effort to rectify the egregious errors tarnishing my credit report. The notion that I would fabricate such a claim to obtain goods or services is not only baseless but also deeply offensive. 

Your attempt to trivialize my ordeal by reducing it to a mere dispute over reporting accuracy is an affront to the suffering I have endured as a victim of identity theft. I remind you that the purpose of Section 605B is not to engage in frivolous disputes but to provide a mechanism for individuals like myself to safeguard our financial well-being in the face of malicious fraud and deception. 

I demand that you cease this callous disregard for my rights as a consumer and promptly fulfill your obligations under the FCRA by processing my request for blockage without further delay. Failure to do so will leave me with no choice but to explore all available legal avenues to compel compliance and seek redress for the egregious mishandling of my case. 

I expect to receive immediate confirmation of the processing of my request and the subsequent blockage of fraudulent information from my credit report. Anything less will be deemed unacceptable, and I will not hesitate to take swift and decisive action to hold your institution accountable for its negligence and indifference. 

Sincerely,
Product: Debt collection

I contacted Portfolio Recovery Associates on XX/XX/2022 by US Postal certified mail. I requested proof of a written contract with contractual obligation between myself ( with my signature ) & Portfolio Recovery Associates, and to date have not received it. Portfolio Recovery Associates is reporting to 3 major credit bureaus that I own them {$670.00}, and that is inaccurate. The certified letter is attached & US Postal Service receipt attached also.
Product: Student loan

I am writing today to raise an issue with Navient. During the covid pauses Navient did not stop charging. The allowance of this is shameful ; however, this created another very concerning problem for those of us whose federal loans are held by multiple services providers. Namely, Navient now thinks it should be able to force IBR recertification on dates not congruent with all the other federal loans, meaning that borrowers like me now have two separate IBR recertification dates. The Navient one is not noticed or visible through the federal system, despite the loans they are servicing being federal.

This is a logistics nightmare and will cause borrowers to miss deadlines and be uninformed as to the correct recertification deadlines. Missing one of these deadlines has critical consequences and thus this treatment of borrowers should not be allowed. Navient should instead realign their due dates for recertification with the federal due dates for all federal loan holders.

Who can assist me in resolving this issue?
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.
Product: Debt collection

XXXX XXXX XXXX XXXX is a debt collector. We are trying to collect a debt owed to UHG I LLC. We will use any information you give us to help collect the debt. 
Our information shows : You had an account from XXXX XXXX XXXX  XXXX XXXX with an account number ending in XXXX As of XX/XX/2015, you owed : {$720.00} Between XX/XX/2015 and today : You were charged this amount in interest : + {$0.00}, Total amount of the non-interest charges or fees : + {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX