23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a mail Letter from FORSTER & GARBUS, LLP XXXX XXXX XXXX stating that I own them a sum of {$120000.00}. 

This is the XXXX company that try to collect the same account and the same Sum of money SEE ATTACHMENT... 

I HAVE ALREADY SUMIT A COMPLAIN TO THE COMPANY XXXX XXXX XXXX TRUE THE CFPB, SEE COMPLAINT # XXXX XXXX XXXX XXXX IS PASSING AND OR SELLING ALL MY PRIVATE AND FEDERAL INFORMATION TO OTHER COMPANY OVER AND OVER I DO NOT OWN NON OF THIS COMPANY A XXXX I WILL BY NOW FILE A LAWSUIT AGAINST THEM ALL
Product: Credit card

Synchrony bank has been cancelling my cards and/or lowering my available credit based on ( they say ) some score from XXXX. The ONLY negative impact to my score is what they are causing and then they use the negative impact to do it again! I have contacted them and the only answer I can get is they " use a score provided by XXXX '' I have been working very hard to get my score back up after a bankruptcy and it was working until they started doing this practice. My payments are on time and I have lowered my balances which should have a positive impact but the harder I try the more they defeat what In have accomplished. They even cancelled a card that had a XXXX balance! They have a monopoly on store cards so this is a VERY big problem for me
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX AND EQUIFAX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute-Hard Inquiries : XXXX XXXX XXXX XXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs. 

Called Experian for inaccurate inquiries/other inaccuracies- Experian took few disputes on phone, stated I had to call companies re : hard inquiries. 

Called XXXX XXXX, XXXX XXXX XXXX XXXX XXXX asked for my full ss # l/name- Stated no info found, since I dont have an acc w/ them- & they cant verify the inquiry- said call Experian back.

Neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and Experian tells me to call the furnishers, they cant do anything. Experian makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.
Product: Student loan

I feel that I am the victim of predatory lending. The school that I attended was fraudulent, and it is now closed. The school was not even accredited. I received almost {$48000.00} in private loans from XXXX XXXX to attend the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. My loans accrued interest while I was in school at a high interest rate. However, upon graduation when I was unable to find a job in my field I put my loans in deferment for 24 months. During that time each payment that I deferred was added to the principal of the loan, and interest was then added to that amount. I was also charged a fee to put my loans into deferment. Since I have been making payments on my loans to Navient all of the money has gone toward interest and fees. For example, in 2014 I paid Navient {$7000.00} in interest. I was told by a representative at Navient that when my loans are finally paid off in 30 years I will have paid over {$150000.00}. The {$150000.00} does not include any fees. I feel like it will be impossible for me to repay my private student loans.
Product: Credit reporting or other personal consumer reports

Information was still on credit report that should have been off
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquires on my credit report that were not requested by myself and were given without my authorization  1.    XXXX   XXXX   XXXX  Date Filed  XX/XX/2017    Type Credit Unions 2.  XXXX  Date Filed   XXXX   Type Mortgage Reporters  3.   EQUIFAX  MORTGAGE SERVI  Date Filed  XX/XX/2017    Type Mortgage Reporters
Product: Checking or savings account

All started with a text / email I received from from chase bank stating that they needed some information regarding m account for my protection that my bank could be closed soon. Upon receiving this message I immediately called chase and spoke to customer service regarding my account and was informed for reasons they will not share that my accounts were already marked for closer minutes after I was informed. With not allowing me any time to take funds out or any reason on why it has now caused a huge problem in my life with bills and no funds to even put gas in my car to work or get food. While not getting anywhere with the person ( XXXX ) on the phone I decided to head straight to the bank and talk to the branch XXXX in hopes to understand the severity of the situation and release funds that are meant to settle bills and provide food. XXXX informed me he has no information that he knows for why my accounts were restricted and set for closer. Asking for written documentation from him as bank XXXX to have proof of situation and that I was closed without reason causing issues now far worse than just closing the account. Took down names, phone numbers, addresses of where i was and who to speak to regarding this matter and not XXXX person knows why. Only information that was provided was that I would receive a check of all funds in the account ( XXXX ) in question after the account was closed. So I would have to wait 10 days for the account ( XXXX ) to close then they would send out a check and had informed me that check would arrive another XXXX business days after being sent out. So not only can i do anything of the matter to get my funds I would in the sense be completely broke for XXXX weeks if not longer due to business days and holidays all for reasons not being released to me as the only account holder and rightful person ( XXXX ) to the available funds. So this is completely unfair and what other people have said to me is illegal to hold funds available. Specially without reason or cause. So now Im faced with hardship and struggle to pay bills and eat because of something so unfair and messed up. Something has to change or at least work with the reasoning to the account holder ( XXXX ) to figure out a solution based on reason. Not for no reason or communication between the XXXX parties.
Product: Mortgage

I have long ago paid off the this mortgage to XXXX, which One West Bank acquired in XXXX. The mortgage was paid off as of XX/XX/XXXX. I have an official original letter dated XX/XX/XXXX from company on their One West Bank letterhead from One West Bank customer service representative XXXX XXXX acknowledging mortgage paid in full as of that date. The amount acknowledged as paid off in full was approximately {$290000.00}. In XXXX One West was acquired by Cit Group but still operates as One West Bank. 

per title research company XXXX XXXX XXXX the company ( XXXX/OneWest Bank ) did not submit paperwork filing as required with the XXXX  XXXX  Dept of Finance City Register to provide notification record of the fact that the loan was paid in full. 

Now property in question is in escrow for me selling but is held up and the sale in jeopardy because this confirmation of mortgage payoff was not submitted to XXXX  XXXX Department of Finance City Register by the company. 

My property sale is jeopardized due to this matter. I have reached out to the company any every way I can think of to get them to resolve this matter. To date the matter has not been resolved and I have been unable to contact a person or department to deal with and fix this problem I have called four calls to customer service number ; XXXX XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) where I spoke with representative XXXX and Manager XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX where I spoke with XXXX. I sent an email to XXXX on XX/XX/XXXX, ticket number XXXX. I even went in person to the company 's XXXX CA head office on XX/XX/XXXX where I was abruptly dismissed by the receptionist saying, " this has nothing to do with OneWest Bank. '' No action has been offered or taken by the company to resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TRANSUNION XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXXXXXX  Last 4 of SSN : XXXX I am writing to request the removal of inaccurate and unfair information from my credit report. The information in question has been negatively impacting my credit score and is not an accurate reflection of my creditworthiness. 
The following accounts : 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 PERSONAL INFORMATION INCORRET NAME : XXXX XXXX, XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I believe that the information is inaccurate because 15 USC 1681 section 602 A states That I have the right to privacy. This inaccurate information has been unfairly reported to the credit bureaus and has resulted in a lower credit score than I deserve.

I have attempted to resolve this issue with the creditor, but they have been unresponsive and have not taken any action to address the inaccurate information on my credit report.

I am requesting your assistance in resolving this matter. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to have that information corrected or removed.

I request that you investigate this matter and take appropriate action to ensure that the inaccurate action to ensure that the inaccurate information is removed from my credit report. I would appreciate it if you could provide me with a written response outlining the results of your investigation and any actions to address the inaccurate information.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 
Sincerely XXXX XXXX
Product: Credit reporting 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.6.C 16815-2 ( A ) ( a ) 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 accurate. 

Delete the accounts bellow : 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXXRANSUNION XXXX XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX TRANSUNION 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 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 XXXX XXXX
Product: Bank account or service

I am a PNC Bank customer who uses online bill pay extensively. Earlier this year I started noticing that PNC was automatically enrolling me in an ebilling program for several vendors. When I inquired about it they told me they couldnt stop it but would remove me on those couple vendors. I acquired a new credit card and entered it in and set up online payments but again found out had automatically been enrolled in ebill. When you are enrolled in ebill you start getting a lot of emails that seem geared towards collection of the bill. I contacted PNC corporate and what I discovered is they are doing this with all customers. My theory is that XXXX who does their online banking is charging vendors like XXXX for the ability to penetrate bank accounts and automatically enroll customers. This is wrong. It is a conflict of interest that should be disclosed to customers. I demanded that stop this practice for all customers and disclose it. They said they would stop it on my account only and ignored my request. Something smells rotten between PNC and XXXX. If disclosed its not a problem but nobody should be automatically enrolled in something in your bank account because a vendor paid for it. Your money is between you and the bank.
Product: Money transfer, virtual currency, or money service

I'm trying to access an old account. The first attempt was for the purpose of obtaining the proper documentation for the cash app settlement claim form to verify and back up the claim I have. When I contacted cash app customer service I asked for assistance in getting into my old account I was sent information that not only kept me from my account but it inevitably took the associated email from the account I wanted into and placed it on my current account which is not what I wanted and now I have no way to obtain access on my end because I have no email or phone number associated with account to verify just the cash tag. On top of this I have missed the deadline to file my claim for settlement. I emailed the administrator assigned to the cash app settlement and received a response but it was not helpful as I'd hope. I feel as if this was a tactic to keep me and I can only imagine others from gaining the necessary information for claim. Also my transcript from this particular occasion was not present in my cash app chat log. Fast-forward about 3 weeks or more to now and I'm needing to get into another old account and I was met with the same solution as they gave the previous time but I did not follow the deceptive solution, I asked to speak to supervisor and was told there was not one but to give a good email address and they would get back to me. I asked for a customer service phone number and when I called I got the same response of no supervisor present and to leave a good email. Cash app should be investigated further in the deceptive practices and not allowing users to access old accounts even when the verifying information asked for us given they still prevent access.
Product: Vehicle loan or lease

This issue concerns a 2-year lease of a XXXX Ford XXXX XXXX financed through Ford Credit. The Ford Credit account number is XXXX XXXX. The attached letter ( which was sent to Ford Credit 's dispute department immediately after the events at issue ) provides substantially more detail on the sequence of events, including exhibits consisting of screenshots of my account. 

In short : I wanted to execute a lease extension in XX/XX/XXXX. Ford Credit had a very difficult time getting me thXXXX XXXX links to actually execute the extension, and numerous representatives gave me conflicting information about what I needed to do to access the form -- not to fill it out, just to literally access it. For this reason, it took over a month to execute a simple document.

This obviously caused some issue at Ford Credit, because after the extension, they never sent me any statements, in any format, and I had no way to know what the balance was or when to pay it. Then a month after the extension was signed, Ford Credit reported my account as delinquent to the credit reporting agencies. I tried to challenge the only way they allow ( mailing a literal letter to XXXX, Nebraska ). They have not responded. 

For further detail, please review the attached letter and exhibits.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX* US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not authorize on my report
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized credit inquiries made on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and potential aggravated identity theft under federal law ( 18 U.S.C. 1028A ). 

Upon reviewing my credit report, I identified several credit inquiries initiated without my authorization or any permissible purpose as defined under FCRA. These inquiries have harmed my credit standing and have caused me significant distress. Furthermore, I suspect these unauthorized inquiries may be tied to identity theft. I have been unable to get these items removed from either credit bureau as they have verified to be accurate. I am unsure how they verified inquiries to be accurate if I have informed them that the information is due to fraud and not my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, fully authorize this investigation. I never gave consent to TransUnion and XXXX to furnish anything. Attached below is my FTC identity theft report.
Product: Debt collection

On  XXXX  I was transferred a call from a coworker and it was  XXXX  with  National Credit  management. I asked that she do not contact me at my employers number and she said okay. I then called again on  XXXX  to confir m NCM  will not call my work number again. The gentleman informed me the number was removed and this will not happen again. However again on  XXXX   XXXX  at  XXXX  I received another call on my work number from  National Credit Management. I again called and then sa id it was removed AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$79.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

Im writing this letter to inform you that my charged off account ( credit card ) amount was changed by US Bank. As a consumer I know my rights, once an account is charged off the amount can not change. The US Bank account was charged off in XX/XX/XXXX with an amount of {$2300.00}. That amount was changed and updated on my credit report XX/XX/XXXX for {$2300.00}. 

A letter was sent to me on XX/XX/XXXX, stating that US Bank do periodically checks on consumer report. The letter stated that a charge was on my account that did not belong. It states a return payment fee was charged to the account. If the account is charged off, the amount should not change. I would like this deleted from my credit report account due to USBANK negligence. 

This is ground for deletion. Please delete account from my report. Please delete from all three credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovercard Actual Statements : The uploaded documents I received from DiscoverCard Shows DiscoverCard is intentionally and maliciously reporting wrong data to the credit bureaus. 

This XXXX because I have ask for validation of this account via original signed contract, origned agreement, or signed application for credit bearing my signature and they have failed to do so after several disputes. 

As I stated, I have requested : proof by means of signed agreement, or signed contract, or signed application for credit showing I applied to this account in a joint status. i could not of signed for joint status my credit was too poor, I was an authorized user on this account and they have reported irregularities on XXXX credit bureau its a individual account and another its joint. They do not have supporting documents required by law abd that is a second reason to remove this account! This account is over XXXX old! 

I demand this malicious creditor and/or the credit bureaus remove this from my account immediately! This is damaging me And have been for years until recently noticed! 

Attached you will see where Discovercard has repeatedly reported innaccurate information such as the late months and charge off. The last sheet shows XXXX thing and these show another! XXXX going to sue you all if you dont remove this account immediately! 

You both are breaking federal law!