23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX never sent me a notice that they were sending me to collections. The only way I found out was after learning from the office manager that this debt collector has been repeatedly calling the office every day when I got back in the office on XX/XX/XXXX XXXX. They were told to stop on XX/XX/XXXX because we honestly thought they were a robocall and they ignored the request and called again today XX/XX/XXXX. I called them from my personal phone and thats when I learned about the debt for the first time. I received no notice in the mail, emails, or phone calls. They just automatically started calling my boss every single day for the past week.
Product: Mortgage

To Whom It May Concern : I have been trying to get a modification with Caliber Home Loans. The representatives state that there was a payment missing but we have received proof that the payment was received by the previous lender XXXX. Then XXXX sold the loan to Caliber Home Loans. 
As with most Americans our family was suffering a loss of income for several years. They denied the first modification which we are still trying to understand why. We called and spoke with a representative around XX/XX/2015 and were told there was too much debt. That did not make sense because they are only supposed to use income and current mortgage payment to arrive at an affordable payment. We were told to resubmit all documents again so we uploaded all the documents on their website and then received a letter indicating that they can not process at this time because you did not put your loan number on the documents indicated below. There are NO documents indicated below on the letter. Then they are asking to have the documents mailed, emailed, or faxed. They did not request this previously as the documents were uploaded to their website and this was easy. It seems now they are trying to make it difficult to get the documents to them in a timely manner. I need assistance in dealing with Caliber Home Loans. 
Your cooperation is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report.

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

XXXX companies for the past 4 years have been inaccurately reporting late payments on my accounts and refuse to investigate and correct or update accounts to paid as agreed. Companies have listed accounts as " was a collection, but paid '', " sold '' or " transferred ''. Creditors refuse to correct these inaccuracies and have left me paying higher interest, being denied for credit, and left me no other choice but to report their illegal activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with credit karma. On credit karma, it's showing I have a lot of hard hits for serval loans : " XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX ''. I've NEVER taken out a loan. I'm trying to get this fixed. How do I get this fixed? What are the steps I need to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

i was victim of identity theft several account were open fraudulent
Product: Credit card

Menards Big Card administered by Capital One Account has promotional rates of 6 months for certain purchases.

Account provides " Interest Saver '' payment amount every month through their billing website. 

" Interest Saver '' amount for XX/XX/XXXX bill due XX/XX/XXXX, listed on website payment service ended up not actually covering all promotional purchases resulting in over {$80.00} in interest being charged. Company refused to acknowledge that payment was made based on the information they gave and insisted the interest was valid. 

Per the service rep I spoke to, the paper statement had no " Interest Saver '' payment even though their website showed me one when I made my payment. 

I believe Capital One/Menards are using deceptive trade practices to make promotional rate endings confusing for companies to try to extract erroneous interest charges.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four 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 disputedentries. 
Account XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, GA XXXX United States XX/XX/year> National Creditor Adjusters XXXX XXXX NCA XXXX XXXX XXXX XXXX, KS XXXX XXXX : Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). As the consumer, I hereby refuse to pay this alleged debt and demand that you cease all further communication with me regarding this matter, including any attempts to report this debt to any credit reporting agency.

Pursuant to 15 U.S.C. 1692c ( c ), you are legally required to cease all collection activities and any further contact with me regarding this alleged debt, except for the purposes of confirming the termination of collection efforts or notifying me of any specific legal actions you intend to take.

Please also be advised that I am keeping detailed records of all correspondence regarding this matter. Any failure to comply with the requirements outlined under the FDCPA may result in legal action against your company for violating my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

We have " Old '' XXXX bonds in our IRA accounts. 

There have been some disappointing distributions. 

We fear that the choice of the Wilmington Trust to represent the bondholders ( we had no input ) is another political mistake. 

Wilmington Trust appears to be interested in drawing out the liquidation process and making huge fees from those of us that have already taken a loss. 

Please investigate what is going on ( or not ) with the " Old '' XXXX liquidation and distribution process. 

We are still waiting on bondholder distributions while Wilmington & XXXX liquidate XXXX securities that should be given to the bondholders. 

Order Approving Motion to Liquidate Securities, Use Dividend Assets and Extend the Duration of the XXXX XXXXOn XXXX XXXX, 2015, Wilmington Trust Company, as Trust Administrator and Trustee, filed a motion with the Bankruptcy Court for the XXXX District of New York seeking entry of an order ( i ) authorizing the XXXX XXXX to sell certain New XXXX XXXX ( and use dividend cash received in respect of such New XXXX XXXX ) for the purposes of funding projected costs, fees and expenses of the XXXX XXXX, and ( XXXX ) extending the duration of the XXXX XXXX. The motion was approved by order of the Bankruptcy Court on XXXX XXXX, 2015. A copy of the motion and order can be found here. 

It is sad that there is no oversight by the administration to insure that bondholders get paid. 

Please see what can be done about getting payment for XXXX bondholders. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX / Home
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Which are UNKNOWN to me. This complaint is my follow-up attempt to ensure that the listed items are ultimately removed from my credit report due to their erroneous status.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed an item on my TransUnion Credit Report via a certified Letter which included a Dispute Letter and a copy of the Disputed item ( XXXX  XXXX Account ). 

I stipulated that : According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation 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 information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ). I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ). Please provide me with : the Name of the Person you spoke with who verified the account ; an original Consumer Contract with my Signature on it ; the Telephone Number of the person who verified this account ; and the Documentation Used to Verify the dispute. 

I received back a letter from TransUnion that said that my account had been " VERIFIED AND UPDATED '' but this letter did not include any of the information that I requested as per law. I then sent TransUnion a second letter via certifed mail on XX/XX/2018 again asking that : according to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ), I specifically requested that you provide me with : 1. the Name of the Person you spoke with who verified the account ; 2. an original Consumer Contract with my Signature on it ; 3. the Telephone Number of the person who verified this account ; and 4. the Documentation Used to Verify the dispute. 

YOU HAVE NOT PROVIDED ME WITH THIS INFORMATION WHICH IS GROUNDS FOR DELETION. 

Under the FCRA, unverified accounts MUST BE REMOVED and if you are unable to provide me a copy of verifiable proof as per my request above and as per the law, you must remove the disputed account. If you do not provide me with the above mentioned information to verify your investigation results as required by the law, I will file a complaint with the FTC and the Consumer Financial Protection Bureau. 

On XX/XX/2018 I received a letter from TransUnion where they stated that their Investigation Results had been " VERIFIED AND UPDATED '' yet they Provided none of the required verification information that I requested. 

I am requesting your assistance in putting an end to this matter. I have already sent a letter to the FTC and I am now contacting your organization because my rights have been violated and I want to have the referenced account perminantly removed from my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Product: Student loan

My student loans were transferred from Great Lakes to Nelnet in XXXX. Prior to this, I was on REPAYE since XXXX of XXXX. Per Nelnet, I should have been automatically transferred to XXXX program. My payments are very high ( XXXX per month, instead of the {$180.00} or so anticipated on XXXX ) and I reached out to Nelnet. I was told the amount would be fixed. It turned out ( after weeks of no response and no change to my amount due ) that Nelnet had only transferred some of my loans to XXXX and had the rest incorrectly under a standard repayment plan. When I contacted Nelnet, I explained I was ready to pay immediately in XXXX and could afford the smaller payments on XXXX and would like to start immediately. I was put on administrative forbearance and have watched my account climb even while I have made monthly payments. I was told last week by Nelnet that my payments made in XXXX and XXXX would retroactively count for XXXX payments and I would have the interest subsidy applied to my account. I asked them to immediately change my status to repayment as I am ready to repay and have been for months. This week I noticed my forbearance has been extended from XX/XX/XXXX to XX/XX/XXXX. Please please help fix this. Nelnet has been incredibly inefficient and has been draining my free time.
Product: Money transfer, virtual currency, or money service

Was subject to a XXXX XXXX  scam via XXXX ( wireless XXXX ) @ XXXX XX/XX/year>. The phone wouldn't work. I advised my company ( as this is a work phone ) I am employed by XXXX XXXX XXXX in MA. I got the XXXX fixed at the XXXX store in XXXX, roughly XXXXXXXX XXXX XXXXXX/XX/year>. The store rep said XXXX made this XXXX XXXX in Texas using my owners XXXXXXXX XXXX XXXX name and authorization, which he didn't give. I then received a call @ roughly XXXXXXXX XXXX XXXXXX/XX/year> by a gentleman identifying as XXXX, who said he worked for Binance US and someone tried to withdraw all of my XXXX, at the time it was {$410000.00}. He told me that they couldn't withdraw it because I had 2 factor authentication, but, he told me I had to go online and cancel the transaction which I did NOT do. I hungup on him, and utilized the Binance US app on my phone. I verified the funds were still present and I notified Binance via chat, they have no phone support, to do NOT allow any withdrawals. My account was then disabled. I have contacted Binance everyday via chat and email. I am receiving no email responses and via chat they advise me that they can NOT provide me details. My account is still disabled so I can't login to see if the funds are still there.
Product: Student loan

I have a cosigned student loan for roughly XXXX from The XXXX XXXX XXXX XXXX XXXX that was closed years ago and had multiple class action lawsuits against it for predatory lending practices and deceiving students. All of my Federal Loans have been officially discharged by the government. Navient is still trying to collect a private loan associated with the school. There is a form my father and I have asked for called Navient XXXX XXXX XXXX that they will not send for my private loan ( s ) with them to be discharged as well. I do not owe this loan to Navient. They know fully well these loans to students should be forgiven. I have also filed a dispute with the credit card agencies against Navient. My father has called Navient and they said my school was on the misconduct list they have but they will still not send the application because they know my loan will have to be forgiven.
Product: Credit reporting or other personal consumer reports

i purchased my consumer report and im a victim of identity theft.i see some unauthorized fraudulent inquiries listed on my report.i never egave anyone permission to run my credit.i have no knowledge of these companies.please delete the unauthorized fraudulent inquiries colony tire corp XX/XX/XXXX, microbilt corporatio XX/XX/XXXX, XXXX ( otr ) XXXX XXXX XX/XX/XXXX please sse my identity theft report with info listed
Product: Checking or savings account

XXXX XX/XX/2021 I believe Citizen 's bank has one of the worst online banking system available. It is slow, often does not work correctly, and takes excessive time to post updated balances and deposits.I have MANY online accounts ( and broadband ) and this is by far the absolute worse. I also believe that this is a systemic problem from which they directly profit financially. 

I recently made a deposit for a loan payment and it didn't even show up in their system until days later. This has happened several times before and it makes duplicate payments inevitable. When the Citizen online system burps, they pile on fees ( overdraft, sustained overdraft, or whatever ) and have habitually returned the fees. I believe they know their system is terrible. 

They recently assessed XXXX {$100.00} in fees ( again for a duplicate payment - deposits fail to post until days later ), and returned all but {$30.00}. I want my {$30.00} back. I simply can not be responsible for Citizen 's arrogance, poor online banking system, and virtually non-existent customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXXXXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card or prepaid card

I have been a Bank of America customer for 14 years. 

On XX/XX/XXXX, I was alerted by Bank of America over text message that there were three potentially fraudulent transactions being taken. These charges, taken within the same minute, were charges of {$87.00}, {$470.00}, and one over XXXX XXXX XXXX which got declined. Upon receipt of these texts I immediately called BofA to tell them those charges were not from me, and request that my card be cancelled and to have another one sent to me. I informed them that I had my card on my person, which the BofA rep said was strange because the person using the card used a chip, but that she would take care of the matter immediately, credit my account back and open a fraud case. 

I was confident that this would get resolved easily as I was in Connecticut, where I live, and the fraudulent charges were occurring at a XXXX  in XXXX, New York. I had also used my card at a physical XXXX XXXX store in XXXX, CT only a few hours earlier. I could not be in two places at once. Additionally, the rapid, incrementally larger charges were pretty clear cut fraudulent behavior. Lastly, I have been a good customer of Bank of America for over a decade with no history of something like this happening. I trusted Bank of America to take care of this for me. 

On Wednesday, XX/XX/XXXX, I look at my BofA app and see that I have two " Fraud Dispute '' charges of {$87.00} and {$470.00} put back on my card. I called BofA immediately and they said that the claim was denied and that because a chip was used then it must have been me or someone else that had my card. 

I have called multiple times to file complaints and ask that this get looked into further. I was informed that I'll hear back in approximately 90 days on the results of this claim, but I assume that this will again be thrown out as " a chip was used. '' No one at BofA has reached out to me to explore anything further, ask questions about how I could be in two places at the same time, etc. I'm not sure how I went from being a valued customer to a liar and a criminal so quickly in BofA 's book, but I need this to be resolved as I do not want to just throw away {$600.00} that I did not spend.
Product: Credit reporting or other personal consumer reports

I did not authorize you to run my credit, I didn't fill out any application or sign anything authorizing this
Product: Mortgage

Yesterday I received a threatening letter from Chase stating that they are accelerating the HELOC that was extinguished on XXXX when the illegal foreclosure on my home was done. This account has been rid of being part of the foreclosure. Not only is this account gone but this ______ XXXX Chase is trying to sell my home again! while at the same time billing me on it still. This in addition to the state of Mass issuing a foreclosure and related activities Stopped. You are in direct Violation of this new law. Chase you can not foreclose on his HELOC just because you put an illegal submission of another illegal document ( assignment ) 15 yrs After the initiation. It does not allow you to foreclose on my home with it. JP Morgan Chase Bank NA sent me the letter dated XXXX stating this status on both accounts. You need to get it. I had to travel for use of this internet service putting my life in danger before you try to take my home and evict me. I am a high risk for the covid19 being XXXX yrs old XXXX with underlying medical issues. I will also be contacting the courts and Registry of Deeds where you submitted this illegal " assignment '' with intent to commit Another illegal foreclosure. This second foreclosure attempt is set to start on XXXX according to the letter. See all attached
Product: Credit reporting or other personal consumer reports

XXXX continue to add a fraudulent account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a fraudulent account under my credit that i did not open, on my Transunion, XXXX and XXXX report. they are damaging my good name and i want to buy my first home. this is the account number XXXX i see on my credit report. someone tuck out a car under my name. i never use credit. i pay everything cash. my XXXX XXXX pays for all my stuff. he said he will have the top lawyers in florida look at this to sue XXXXXXXX XXXX  and all the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My lender ( XXXX ) has been trying to get my equifax credit report, XXXX XXXX and my XXXX XXXX from equifax. But the lender keeps getting a error code .it says they can't verify the information or they can't find me with the information provided. I've contacted equifax 5 times and there saying I dont have a fraud alert or freeze on my credit profile and the lender should be able to pull my credit. But thats not the case.ive been trying to get this matter handled since XX/XX/XXXX ... why can't lenders access my equifax credit report??
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Here are four inquiries that I've submitted to be removed from my credit report. I've contacted the creditors directly and they've validated these as fraudulent inquiries. After submitting an FTC report, my driver 's license, and a copy of my social security card, as requested by Equifax, they ( Equifax ) still fail to remove these inquiries from my credit report. The documentation I submitted was mailed out on XX/XX/XXXX and it was verified that Equifax received the mail on XX/XX/XXXX. When contacting Equifax from XX/XX/XXXX until today XX/XX/XXXX, they're telling me they still have not yet received my mail that included the FTC report, copy of my driver 's license, and copy of my social security card. 

I also attached the proof of mail that included the FTC report, my identity verification, and a screenshot of the date that the mail was delivered to Equifax. I also attached a photo of a letter that XXXX sent me to have the inquiry XXXX XXXX- removed, which Equifax again fails to remove.