23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX after they repossessed my car, demanding I pay XXXX immediately to get my car back. I didn't have that money up front and I tried to negotiate with them in working on a payment plan or pay back the payments I had but they wouldn't want to do that and at that time my car was still available. On XX/XX/XXXX I received another letter account number XXXX ( account to auto loan ) had been sold for XXXX! How was I supposed to come up with 8 plus grand in one month! I remember talking with XXXX XXXX XXXX who was so rude and unprofessional that talking to him trying to take care of this was very difficult and he retired shortly after we spoke before XX/XX/XXXX letter. On XX/XX/XXXX I received a letter threatening to sue me for my outstanding loan balance signed by XXXX XXXX. XX/XX/XXXX another threat in attempting to collect the debt by which I never spoke to XXXX because of the first time. Never heard from XXXX though it was sold to a third party debt collector Calvary Portfolio services. Not sure exactly when but it was beginning of XX/XX/XXXX I believe XX/XX/XXXX according to affidavit claim ( letter attached ) On XXXX XXXX I sent Calvary Portfolio a letter asking them to verify the debt before making any payments ( letter attached ). Calvary never responded to the letter within the 30 days according the FCRA and never heard from them until XX/XX/XXXX not sure the exact date I was served a summons for a credit card account with XXXX which I never opened XXXX? I had a line of credit but never owned a credit card. I responded on XX/XX/XXXX and received the summons 20 days before that XX/XX/XXXX. I stated that I object to balance owed and I never took out a CC with them and it was the account ending in XXXX? I don't even know what that account is? I never banked with XXXX after all this. 
On XX/XX/XXXX I had packet with my paperwork signed by me in regards to the auto loan and the repossession fees etc and a court date of XX/XX/XXXX. I thought the letter was a another attempt to collect and I never showed up to court thinking the state of limitations was long passed and only making a final payment in XX/XX/XXXX. A judgment was entered of the day of the no show and one year later my wages are being garnished through my work! How did they get that information? How did they know where I worked? I was never notified or properly served and I didnt know I could dispute it. I also wasnt given the proper documents to even challenge the judgement I never received anything that there was a judgement against me. I found out after my wages were garnished.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Dispute of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies to access my credit information XXXX and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Identity theft and foreclosure for a trustee that nation star mortgage said they were the owners. As per the trustee XXXX stated they were never the owner ever of XXXX XXXX XXXX XXXX tn XXXX so how can you assign the loan to yourself without the actual owner saying they were n't the owner ever?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent activity appearing on my credit report. Address listed of " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX '' should not be associated with me. Loan opened XX/XX/XXXX with XXXX XXXX for {$520.00} is fraudulent.
Product: Mortgage

Please refer to case # XXXX. I have applied on behalf of my aged ( XXXX yrs. old ), ill mother to have Chase Bank reduce the interest rate on her mortgage loan XX/XX/XXXX. She is currently paying 7.85 %. The she is retired and on a limited retirement income. The house needs a new roof as the current roof is over 50 yrs. old and is leaking causing water damage to the structure. She is trying to save money to replace it. We supplied Chase with all of the required documents but they have continued to " sand bag '' us by taking their time and requiring each month that we supply additional bank statements, proof of residence, etc. We recently sent a copy of a utility bill ( water bill ) showing that my mother lives at this property. They are refusing to use the document. This has been going on since XX/XX/XXXX, 4 months now. My mother is getting very upset over this. She has made every payment on time since loan inception, XX/XX/XXXX. We need assistance from the Consumer Financial Protection Bureau in getting an answer from Chase Bank.
Product: Student loan

I am trying to switch my loans from forbearance to an income based repayment plans. I enrolled in an income based repayment plan in mid XXXX and supplied all my financial information. On XXXX XXXX, 2017 i was enrolled in an income based repayment plan, BUT only some of my loans were enrolled. The rest were placed into a standard 10 year repayment plan. I was given a minimum monthly payment that reflects an amount that is approx XXXX dollars more/month than what should be based on my financials and also what navient also admits it should also be based on annual income. i 've called 4 separate times spanning the past 30 days to resolve this issue. Every time Navient i 've called, navient stated that my federal loans are taking a longer time to enroll but that it wil be done within a few days.. this was the same response FOUR TIMES. At this point i 'm becoming nervous because i cant afford my monthly payments but my payments are due. I 've already payed my XXXX payment because i do not want to default on my loans but i can not keep up and navient will not resolve this issue
Product: Consumer Loan

Sometime XXXX XXXX, I secured a {$1000.00} loan from Mariner Finance in XXXX MD. In addition to the original loan, I also opted to pay for the supplemental insurance ( Unemployment ) should ( unfortunately ) this should occur. Due to unforeseen circumstances, I fell behind on 1 payment which prompted numerous and repeated phone calls to both my cell, home, and work. Each time-especially work, not to contact me here for phone calls are monitored by security. The company refused to adhere to my wishes and continued to repeatedly call my job which placed my employment in jeopardy. On XXXX XXXX, XXXX, I lost my job due to downsize-at least that is what I was told. Shortly thereafter, I submitted a letter to the company alerting them to the change and asked for the necessary claim form. Instead of them providing the necessary claim form for payments, Mariner Finance instead chose to allow the loan to continue to accrual interest which the loan has now near {$3000.00}. Complaints were initially filed with the XXXX and MD Dept of Labor Licensing and Regulation ( DLLR ) and had been removed from the Credit Reports. Upon a recent review of my credit report, the account now re-appears on the report dropping the score by a staggering XXXX points. As a victim of identity theft, I regularly monitor my reports for any and all suspicious activity. I am also XXXX and have been in this unfortunate predicament since XXXX/XXXX/XXXX. Since seeing this information reappear on the report, I have subsequently initiated another complaint with the XXXX which does n't seem to be any resolution in sight. However, by virtue of their own admission, the loan should have been paid off in XXXX. I somewhat tend to agree had they processed my claim form for which they did not. Now, after more than 2 years have passed, they are now requesting that I fill out the claim form for processing. Hence, my question : How can this be properly processed-if at all when the loss occurred in XXXX? Moreover, it is my belief that Mariner Finance is attempting to correct a mistake that simply ca n't be undone and ( purposely ) continuing to access interest on a daily basis in an effort to collect more monies that are owed-if at all due to the supplemental insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that is reporting this information on my report. I just want to inform you that I talked to the bank and they agreed to CORRECT the account. BUT TransUnion has some internal block which they're claiming they can use to not correct the account because they feel they're above the law. When questioned why they're not accepting the dispute letters and complaints, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why. I just want this account be corrected based on FCRA Laws. 

XXXX XXXX XXXX / XXXX XXXX
Product: Debt collection

I wrote to Professional Bureau of Collections of Maryland , Inc. twice by certified mail to request debt validation, specifically proof that they are authorized to collect the debt. I dont know who they are and I have no account with them so I asked for documentation to prove that they have the right to perform collection. They did not send me any agreements, contracts, or assignments with their client that showed they were authorized. Yet, Professional Bureau of Collections of Maryland continues with their collection activities including reporting to credit agencies after I asked them to stop.
Product: Debt collection

Midland credit is attempting to collect that on an account. Thats over eight years old. They tried in XXXX XXXX XXXX and garnish my wages which was cancelled and my wages returned. Now they have attempted in XXXX XXXX XXXX to garnish my checking account. They first started in XXXX XXXX and this account is through XXXX XXXX XXXX I get numerous calls daily from different numbers and its stressing me out not sure what to do
Product: Credit reporting or other personal consumer reports

In willful violation of federal law and in non compliance of FCRA 605B Transunion is refusing to remove an account ( XXXX XXXX ) that is the result of Identity theft. I have provided all identifying documentation, reported the theft to the FTC and provided Transunion with an affidavit of fraud from the police department. I am seeking the immediate removal and blocking of this account from my credit profile. Transunion has shown no evidence that any of the following are true that I 1. The request to block information was based on a material misrepresentation 2. knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. nor have I 3. agreed in writing that a block was made in error. A key provision in FCRA 605B is that a Credit Reporting Agency such as Transunion SHOULD NOT be investigating consumer cases of identity theft. Also conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B. If this derogatory information is not removed immediately I have no other option other than to will seek punitive damages per FCRA 616.
Product: Debt collection

Since XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX enter has a consumer credit account with American Express.according to 15usc 1692 I do not own any debt because I am the consumer and Im not obligated to pay. Im a administrator and agent according to 15 usc 1602 ( o ). The social security card belongs to the social security administration I have to give in back at their request so there for Im just a administrative agent. I do not own it or any debt attached to it 18 usc 8 will provide that information for you I do not own that debt. 

XXXX XXXX XXXX XXXX is aware and has proof in attachment labeled as Exhibit C that American Express is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. American Express in fact took cash as shown in attachment labelled as Exhibit A and B. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and B that American Express is in violation of 15 U.S. Code 1666d. American Express did not credit the amount of the credit balance to the consumers account for consumer credit transactions. American Express did not refund any part of the amount of the remaining credit balance. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and B that American Express is in violation of 15 U.S. Code 1692g American Express did not validate the alleged debt. and ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked on my Experian credit report and noticed a repossession from a company called XXXX XXXX, I have never had a loan through this company. I disputed it with the ONLY credit reporting company that this is showing on and they refuse to remove it
Product: Debt collection

My account : ONLINE COLLECTIONS #  XXXX  was paid in full at  XXXX   XXXX  and is not a valid collections account, you will find the receipt of payment attached.
Product: Mortgage

LoanDepot does not meet their obligations and will make every attempt to steal your money. It failed to apply the Principal Reduction amount to my new loan as shown on my closing statement. It has been 15 days since the loan closed. Several of its employees have acknowledged that it should have been applied based on the documentation, don't know why it wasn't, and claim to be escalating the matter to get it resolved and they have not. I get useless responses and then handed off from one department to another.
Product: Debt collection

Received a note in the mail from Transworld Systems , Inc. They claimed that they sent me a letter in the mail about a toll charge that was not paid in XXXX. I never received the letter because they sent the violation letter to the wrong address. I offered to pay the toll charge and they insist in charging me XXXX over the XXXX for not responding on the letter that they mailed to the wrong address. They don't seem to want to accept their mistake. My account with them has been put under dispute. I would pay the toll with no problem but a XXXX violation for not receiving a letter or knowing that my XXXX didn't ready when crossed the toll bridge is unacceptable. When you can them to try to solve the issue they are rude and disrespectful on the phone.
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I am writing to dispute a fraudulent account/charge that has appeared on my [ account type, e.g., credit card ] statement. I have recently reviewed my account and noticed an unauthorized transaction/account activity that I did not initiate or approve. 

Details of the fraudulent activity : HARRIS & HARRIS LTDXXXX XXXX  Account Number : XXXX Date of Transaction/Account Opening : XX/XX/year> Amount of Unauthorized Charge : {$370.00} I want to emphasize that I did not authorize or make this transaction, and I have no knowledge of how this charge occurred. I request that you investigate this matter immediately and take appropriate action to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX XXXX in XXXX, XXXX. I had a credit card account with XXXX at the time and the card was included in the bankruptcy. My plan of reorganization was approved in XXXX, XXXX and payments began in XXXX, XXXX. I made all required payments to XXXX per the plan. Once payments stopped, in XXXX of XXXX, XXXX began reporting missed payments and changed the status of the card to delinquent and in collections with the major credit bureaus. They now report that I have missed payments since XXXX, XXXX. They have also used a collection agency, XXXX XXXX, to attempt to collect this debt that was satisfied per the plan of reorganization. I have disputed this inaccurate information with XXXX XXXX, XXXX, Transunion, and XXXX providing bankruptcy documentation as evidence. XXXX also received all of the relevant bankruptcy documents while the case was open since they were a named creditor. Because of this, my credit score continues to suffer and I am unable to repair my credit as afforded by my XXXX petition that was filed almost 6 years ago. I was also denied an application for a XXXX loan and a rental lease for an apartment with this account being specifically listed as the reason. I also have spent more than {$1500.00} on legal counsel to resolve this already.
Product: Credit card

In 2017 I set up a monthly payment plan with this company on a revolving credit line to pay it back, with the stipulation they would close the card and account that day and I would just pay back what was pending on the account. I have been paying the amount they set up for me since then with an automatic payment. The ordinal credit line was XXXX and I currently still have a balance of {$4200.00} as of this filing. I can not access all statements to find the total of what I have paid or when I started paying. At this point I have paid well over the {$5500.00} and more. I was under the impression back in 2017 that paying the minimum would pay down the total and that interest was voided and no longer being charged because they took access away from me for a revolving line of credit and " closed '' the account. I believe I have been subjected to unfair business practices. I have not received a new card for this account in years, as I have no access to the revolving line but it is still an active account. I have paid back what I owed and would like this removed. I blindly paid this every month because of the conversation I had back in 2017 that this amount autopaid would resolve the debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number  : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE XXXX ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has been on my credit report over the time it should of been they havent took it off yet please help me get them to take it off.
Product: Checking or savings account

I was charged {$35.00} for each transaction that put my account into negative. I can not remember dates as Wells Fargo closed my account due to me not paying the overdraft fees. I had asked multiple times to not have my account on over draft.