23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I tried to register for classes and was shown a hold from merchant 's and medical. I was told the amount of XXXX was owed for withdrawing from a class. The class was registered for on XX/XX/12 and withdrawn from XX/XX/12 for a Spring semester. I have never received funds for spring or summer semester and have never attended spring or summer classes. I advised them that this was fraud and they told me they WOULD NOT send a fraud packet and that the money must be paid. They continued to tell me they had send out fraud packets and refuse to do so again. They were mean and rude and kept threw it in my face that we were on a recorded line as if I was unaware of what I had said. Now I may miss signing up for classes due to a debt I do not owe and horrible people who are money hungry.
Product: Student loan

I do not like the default manner in which my over-payments to my student loan serviced by Navient are allocated and instead desire that they apply over-payments to the highest interest rate account. 

Navient allows you to do this but you have to jump through hoops to do so. I would need to send a separate payment with a letter telling them what account to apply the payment to. I pay my loans using my Bank 's online bill pay which does not allow you to send custom letters along with your payment. 

On about XX/XX/XXXX I sent an inquiry to Navient 's customer service asking how I could implement a directive that they credit all over payments to a particular loan. On XX/XX/XXXX they responded that I would have to submit direction with each payment. 

I feel that it is absolutely ridiculous that I have to go to this effort every month of providing a separate payment and two writing a letter just to get them to do something that I intend to do until the account is closed. This is a federal student loan and I feel that this is nothing but taking advantage of people who utilized a federal program and have no choice in who services their loan in order to maximize the amount of interest that they collect. 

This is in addition to a host of other annoyances with their website and how they operate that make it difficult to work with them and nearly impossible to get any help short of sending a message which they will reply to without offering any method of responding to the reply.
Product: Credit reporting or other personal consumer reports

Dear Sir/ Madam, I am writing to formally request validation of a debt reported on my credit file, as provided under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681 ( e ) ( b ) and 1681i. 

My name is XXXX XXXX and my Social Security number is XXXX. I have identified the following debt on my credit report that I believe to be inaccurate or unverifiable : - Creditor Name : XXXX  XXXX - Account Number : XXXX - XXXX In accordance with Section 1681i of the FCRA, I am requesting that you investigate this matter. Additionally, I want to emphasize that I never provided written consent for my information to be furnished or obtained regarding this debt, as required by Section 1681b ( a ) ( 2 ).

Please provide the following documentation to validate this debt : 1. The name and address of the original creditor. 
XXXX. A copy of the original signed agreement or contract. 
XXXX. An itemized statement of the account showing all charges and payments. 
XXXX. Proof of your authority to collect this debt.

If you are unable to provide the requested validation, I kindly ask that you delete this inaccurate information from my credit report, as mandated by Section 1681i ( a ) ( 5 ) of the FCRA.

I appreciate your prompt attention to this matter and expect a response within the legally required time frame. Please send your response to my address listed above. 

Thank you for your cooperation. 

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

XXXXXXXX XXXX XXXX XXXX XXXX 2025 XXXX XXXX XXXX XXXX XXXXXX/XX/year>2025 2025
Product: Credit reporting, credit repair services, or other personal consumer reports

I called care credit to check amount balance, at this time i was unable to to obtain information due to my date of birth being incorrect in their system as well as my address. I was unable to verify the security that was asked. Fast forward the bill was then forward to a collection agency I contacted the collection and made a payment arrangement as well as provided my correct address and date of birth. Care Credit was previosuly removed from credit report and now care credit has reappeared on my credit report. I have attempted to dispute this with care credit XXXX i spoke to a XXXX who inform me it would take 30 days from payment to remove ( which was in XX/XX/XXXX ) then she told me i need to dispute with the credit Bureau XXXX I have currently trying to get this updated now and it is still not working.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Incorrect Information from all three Credit Reports Dear Credit Bureau Representatives, I am writing to formally request the removal of certain incorrect information from my credit reports with all three major credit bureaus : XXXX, XXXX, and TransUnion. I have reviewed my reports and identified several inaccuracies, which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act. 

**Specific Requests : ** 1. **Closed Charges and Charge-Offs : ** I request the removal of all closed charges and the following charge-offs from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been settled and should no longer be reflected in a negative manner on my reports. 

2. **Incorrect Addresses : ** Please remove all non-mailable addresses currently listed under my profile. The correct and only address that should appear is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. **Phone Number : ** The only phone number that should be associated with my reports is XXXX. Please remove any other numbers that are currently listed. 

**Legal Basis : ** Under the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I have the right to dispute inaccurate information and to request its removal. Specifically : - **Section 611 ( 15 U.S.C. 1681i ) : ** This section outlines the procedures for disputing inaccuracies and mandates that credit bureaus must investigate and correct any errors. 
- **Section 623 ( 15 U.S.C. 1681s-2 ) : ** This section addresses the responsibilities of information furnishers to report accurate information. 

Additionally, under the Privacy Act ( 5 U.S.C. 552a ), I have the right to request information about how my personal data is maintained and to ensure its accuracy. 

**Attachments : ** I have all my information in above complaint except my XXXX # XXXX I expect a written response to this request within 30 days, as stipulated by the FCRA. Please send all correspondence to the address listed above or contact me at the phone number provided. 

Thank you for your prompt attention to this matter. I look forward to seeing these corrections reflected in my credit reports. 

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

I submitted a letter to Transunion dated XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please remove the late payments from these accounts : XXXX XXXX, XXXX XXXXXXXX
Product: Checking or savings account

I received a statement if account from Comerica Bank. And then I received a set of checks attached to the account. I did not request a checking account from Comerica Bank. I contacted Comerica and they have closed the accounts. XXXX in their fraud department identified that checking, savings and online banking accounts were created fraudulently in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To whom it may concern, I closed on a new home on XX/XX/XXXX with Guaranteed Rate. No issue with my mortgage and escrow during this time. My mortgage was sold to Chase in XXXX, XXXX. New mortgage with Chase started in XXXX and an escrow analysis was done immediately. I received a letter stating that there was shortage on my escrow to cover Property Taxes, which I paid the prior year, Mortgage Insurance which I paid the prior year and home owners insurance which I paid in full and was never part of my escrow until Chase came along. The letter I received gave me 3 options to resolve shortage. Please see options below Option 1 : 12 month spread No action required ; your new monthly payment will be {$2800.00} beginning XX/XX/XXXX. 
Option 2 : One-time payment Pay your {$4800.00} shortage in full ; your new monthly payment will be {$2400.00}. 
Option 3 : Partial payment Pay part of your shortage to lower your monthly payment. The rest of the shortage will be divided evenly and added to the monthly mortgage payment. 

Options are not including/deducting what I already pay towards my escrow for Mortgage Insurance and Property Taxes on a monthly basis. Chase increased my escrow amount from {$410.00} to {$780.00} a {$360.00} increase which is to cover shortage of property taxes plus an additional unexplainable fee of {$400.00} totaling monthly escrow of {$1100.00} x XXXX = {$14000.00} a year. My PMI is {$110.00} a month x XXXX = {$1300.00}. Property taxes are {$7200.00} for the year plus PMl {$1300.00} for the year = {$8600.00}. {$14000.00} minus {$8600.00} for Property Taxes and PMI = {$5500.00}. Where is the additional {$5500.00} going????? Chase is stealing from me, the home owner an extra {$5500.00} and continue to fail to explain why they are charging me a shortage fee of {$400.00} if the escrow increased from {$410.00} to {$780.00} ( {$360.00} ) to cover the shortage of escrow Property Taxes. They also are saying I need to pay an additional {$730.00} dollars a year for home owners insurance when I already have and pay home owners insurance at a cheaper rate for the same coverage. Ive attached the XXXX options they gave me that are jeopardize my ability to pay for this mortgage. I should be able to either pay the shortage without paying and additional escrow increase. It needs to be either one or the other not both. This is stealing. Also, home owners insurance has been paid in full and has nothing to do with my escrow. Chase needs to be held accountable for there actions. Theyve threatened to default me on my mortgage without fixing the overpayment charges. 

I was also told by Chase I cant pay my own Property Taxes directly to the XXXX of XXXX. I want to pay my taxes directly, to avoid these headaches Chase has caused my family and I. 

Please help. 

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

These inquiries listed below are fraudulent and i have no knowledge of them and I didn't give permission to any of these companies to inquire about my credit. 

XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT. 1. US DEPT ED XXXX 2. US DEPT XXXX 3. US DEPT XXXX, 4.XXXX XXXX XX/XX/XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX, IL XXXX AND ANY NAME THAT IS NOT XXXX XXXX XXXX. 
THE FOLLWING CLOSED ACCOUNTS NEED TO BE REMOVED 1. XX/XX/XXXX XXXX XXXX XXXX. US DEPT ED XXXX. XXXX. XXXX XXXX XXXX XXXX ALL INQUIRIES TO BE REMOVED OFF OF XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I Called the credit dept at The Wells Fargo that handles my credit card. XXXXI mentioned that i was making scheduled payments through my Wells Fargo Account to pay for my newly installation of my XXXX to my XXXX. I explained to them the situation that I wanted to pay them direct and I no longer wanted it to be taken out of my credit card. Because there was a dispute on the total amount. The representative said " No problem all we have to do is change the credit card number and they would no longer be able to charge it. So we can see that that credit card changed around the 3rd payment to a different card No. # and so they issued the new one. At the time I had most of my bills on automated payment because my XXXX mother and my XXXX yr old niece was XXXX. At the same time i had some chronic pain from an accident i was dealing with so this was a very stressful time. 5 or 6 months later i notice my NEW card was being charged so i was now paying double. I then contacted wells fargo about this and they gave me a large credit back. It was around {$1200.00}. I believe it happened it twice ( 2nd one was maybe {$800.00}. But its been so long im not positive. Then after that they said we are sorry but the XXXX  can reattatch the payment on the new card. I shortly after closed the card down And complained that the gave me the wrong information that i should have just closed my account down period. I wrote Wells Fargo 3 time. Mind you i was with them 18 years and they included me in the fraud that they were sued for by opening multiple accounts in my name in which i complained many time. Then I asked for them to go back and listen to the Wells Fargo Rep recorded phone conversation telling me that this would fix the problem. They only said that the Rep made a mistake and there was no recorded call. They refuse to repair my credit that they ruined. I since left wells Fargo years ago and went to XXXX. All im asking is that they reverse the damage it did for the 7 months from XXXX through XXXX of XXXXthat are on all my credit reports with all bureaus.
Product: Credit reporting or other personal consumer reports

i have contacted bank of america in regaurds to inaccurate reporting on my credit report please remove the late payment using 15 u.s code 1637 definitions ; open and consumer credit plan, section 12
Product: Credit card or prepaid card

I have a recurring issue with my XXXX store card, issued by Synchrony. Frequently, when I attempt to log into Synchrony 's online service portal in order to access my account information, I am prompted to confirm via two-factor authentication. However, I am prompted to receive a text or call via telephone numbers that I have not had access to for well over a decade, and which I never provided to Synchrony or XXXX. ( I am guessing that these are numbers they may have pulled from stale public records searches or other databases. ) When I attempt to manually input my sole current personal cell number, the one I have provided to Synchrony, it simply refuses to continue the verification process. I am therefore effectively blocked from accessing my account information.

I have had this problem recurring on-and-off for years and have called Synchrony 's customer service at least three times to get this fixed. Each time I have been assured that it is fixed, yet it continues to recur, inhibiting my ability to get my own financial information.
Product: Consumer Loan

i went to XXXX XXXX dealership and purchased a used car. i was approved by united auto credit co. immediately i had a problem with the brakes and i went back to the dealership and they corrected this problem shortly there after with in XXXX days of purchase the car engine blew. i immediately called the finance company and spoke with someone from the legal dept. that sent me over documents to sign off and back out of the loan completely due in part to not having received the title. subsequently i recently pulled my credit report and i see that its showing on there as delinquent and charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX ( CFPB Case XXXX ) ( Acct ending in XXXX ) I nor XXXX XXXX was ever under any circumstances properly told about the interest rate that this card carried and the terms in which we were agreeing to. We would have never agreed to this card had that terms of this card been fully explained to both us and we would see and sign off on it which we did not. We were not aware that this was the account listed on our credit file which was charged off in question after all this time. We believed that this card was paid off and closed which is the reason why I have filed several complaints as to why it was reporting negative to our credit file. I was told that as long as monthly payments were made that NO interest would incur. I nor XXXX XXXX never knowingly agreed to or signed any agreement electronically or non-electronically whatsoever with an interest rate of 26.99 % on a healthcare credit card if the balance wasnt paid in full during a promotional period. I nor XXXX XXXX was not adequately informed about and did not understand ( a ) that I/we would owe interest on my account if the balance was not paid in full by the end of the promotional period ; ( b ) My interest rate ; or ( c )  that interest accrues on my balance during the promotional period starting from the date of my purchase. This account has now been sold to collections agency and is having a very negative affect on our credit files and on our lives. I am prepared to take whatever legal action necessary and if needed file fraud charges against XXXX XXXX, XXXX XXXX, and the collections agency it was sold to XXXX XXXX if this is matter is not taken care of. Furthermore no copy of our signatures on the terms and agreement have been supplied. I was sent copy of account being approved. I have had accounts approved in the past but if the terms and conditions were not to my liking I would not sign or agree to it. There was no SIGNED copy of agreement of terms and conditions with XXXX XXXX and myself sent to us. We also never received a claim form in regards to the lawsuit that was filed against XXXX/XXXX.
Product: Debt collection

I want Transunion to take this false debt off my credit report. I do not owe it. It has dropped my credit score by XXXX points. I do not owe XXXX XXXX dollars the account was closed after 1 day. I did not want the service.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/2020 around XXXX, I received a text alert from Netspend that a transaction on a card that was in my possession ( never stolen or missing and rarely even used ) for {$3100.00} was PENDING from XXXX XXXX XXXX XXXX XXXX FL . I immediately called my bank to block the card ending in XXXX and told them that I did not authorize this. I am a XXXX veteran and this took 99 % of my XXXX check. I have had direct deposit of my VA XXXX checks with Netspend for over 10 years. I asked them to stop this pending transaction and was told by the CS that I had to wait until it posted to do a dispute. 

The next day, the transaction ( {$3100.00} and {$3.00} over the counter fee from XXXX XXXX ) posted to my account with the following memos : Signature purchase from XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX XXXX Card ending in XXXX Debit : OTC Withdrawal Fee Posted on XX/XX/2020 at XXXX I immediately filed the dispute over the phone and also a written dispute via fax and email as instructed on XX/XX/2020. I was told that I would get a provisional credit as they investigate my claim ( # XXXX ) however, as of XX/XX/XXXX Netspend stopped replying to my secure messages online, and when I called about a provisional credit to pay my rent and bills that are due by the XXXX, the CS gave me the runaround aside for stating that my claim could take up to 10 days ( XX/XX/XXXX ) to investigate and that a provisional MAY be issued if it takes longer than XX/XX/XXXX. I was on hold for a supervisor for over 2 hours before they hung up the call. I have called several times about this and I have no resolution. 

I am unable to pay any of my expenses to include Rent, car payment, car insurance, etc. I have incurred late fees, non sufficient fund fees from my bill collectors as a result of this fraudulent transaction. I believe that Netspend is withholding my money because this is an inside job with an employee of Netspend and an employee of XXXX XXXX. 

Please help me, I want all my funds back and to be made hold. I suffer from major XXXX XXXX and XXXX XXXX, since the day this occurred, I have been under undue XXXX unable to XXXX  and enduring several XXXX XXXX a day. I need help immediately!