23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, North Carolina XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX XXXX and TransUnion Subject : Request to Opt-Out of Reporting Process Dear XXXX, I am writing to formally request that you opt me out of your reporting process in accordance with the provisions outlined in the following laws : 15 USC 6508, 15 USC 6081 , 15 USC 6802 , 15 USC 6805 , 15 USC 1681 , and 16 CFR 313 and 313.7, as well as The Privacy Act of 1974.

As a consumer, I understand my rights under these statutes, which provide me with the ability to co
ntrol how my personal information is used and reported. I request that you cease reporting my personal credit information to third parties and take all necessary steps to ensure that my data is not shared without my explicit consent.

Please confirm receipt of this request and inform me of any actions taken to process my opt-out request. Additionally, I would appreciate it if you could provide me with a written acknowledgment of this request and any relevant details regarding your procedures for opting out of your reporting process.

Thank you for your immediate attention to this matter. 

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

The following inquiries are inaccurate and need to be removed as soon as possible. 

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 multiple dates. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX multiple dates XXXX XXXX XXXX multiple dates 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
Product: Debt collection

On XX/XX/year> and XX/XX/year> my daughter received voicemail messages on her phone saying it was Asset Recovery Solutions calling about me. I had no such voicemails on my phone mind you. I called the number on her phone on XX/XX/year> and stated that I did not want anyone calling my daughter. The rep asked my name and when I told him he confirmed my birthdate. He then said he was calling about a loan for XXXX. I said that is odd my credit report has that I owe them nothing. He was very short and said well I should call upstart an my case was in prelegal - that he didnt care if I paid or not because it wasnt to him and I would have to deal with it not him. I told him directly that they could mail me whatever they were inquiring about. 
I did check on Upstarts website. It said they do NOT have a loan with me anymore- it had been sold to Velocity so this rep had no business telling me to call XXXX. He also at no time ever said he was debt collector attempting to collect a debt from me or that he had anything to do with Velocity ( if he does ) and he never said if the call was recorded. I have not receive anything in the mail from Asset Recovery Solutions in order to dispute this. He has called the same family member of mine twice and identified that he was calling from this debt collector yet never called my number- which if he truly was a representative of XXXX he would have. 
I do believe that a few years ago when upstart first sold it to velocity I had disputed the amount Velocity thought I still owed - they could not verify it and all the credit reporting companies removed it from my report.
Product: Student loan

I have been having trouble with the 13 % high interest rate on this loan. I have paid mostly interest on this loan for more than a decade upwards of {$28000.00}. Its a {$20000.00} loan. I still owe {$12000.00} according to them. Earlier this year I had discovered that the new payment plan I had established with them earlier only put about 15 % of the payment toward the principal and the rest toward the interest. I felt that I was being cheated and called them up to negotiate another plan that will help me pay down the principal, with emphasis on lowering interest. The would only keep stating to me " the interest rate is set by the lender ''. I decided to not pay anymore at all. 
Yesterday, XX/XX/XXXX I received a letter in the mail stating that they were about to start reporting to the credit agencies about my delinquency. It read in the second paragraph " If you're having trouble making the Navient private student loan payment, you may be eligible for a repayment program, such as interest rate adjustments or loan modifications. '' Today, XX/XX/XXXX i called them and stated what the letter said and I was refused help. She said it was an automated letter and that I don't qualify for help. I was told I don't qualify for any programs to lower my payment or interest or apply more to my principal than to the interest payment. She even said there was a program where I could pay just an interest payment and buy myself another month to figure it out! Just interest! I stated that makes me believe that Navient is really into only making a profit. Do I really have to keep paying interest on this loan just to keep my credit score up? 
I think that this loan, originally processed through Sallie Mae, is predatory. I can't even work because of health problems and they say I make too much through my husband. My diploma isn't worth anything because of the school I graduated from. I can not get this loan refinanced because I don't make ENOUGH income. Am I really going to be help prisoner by the interest on this loan? Do I really have to keep throwing my husband 's hard earned money away to interest payments? I graduated in XXXX been paying since XXXX. Are there any programs I qualify for because I've been paying so long? Are they being ignored by Navient servicers?
Product: Debt collection

On XX/XX/2020 XXXX stating that I owe them {$57.00} they have requested Southwest Credit system to reach out to me which they never did I never received a bill or anything for my final bill and now its on my credit report and I truly believe it should be removed staying as I did not get the right to have a chance even pay it It was never notified at all
Product: Debt collection

This company has contacted references on the account and advised them they were going to take me to jail and because I was due in court. Recently they contacted someone name who is an very extended family member that I do not even talk to ever.. that they were looking for me because I was due in court that day and did not show up. They will be picking me up to take me to jail. I have contacted the company a few times already requesting to speak with a manager or supervisor.. Not an account manager and could not get one. Asked for their escalations department.. Would not transfer me. Said no one else for me to speak to. I asked if they follow FDCPA guidelines and she told me yes. Her name was XXXX. XXXX XXXX is the company. I 've read several other complaints online. What can I do about this? They have been asked by the references no t to contact them anymore and they still do it.. They have a good number for me.. but they threaten me when they call. XXXX even told me that I needed to pay my debt and keep up with who my loans are with I had them confused. I advised her this was my only pay day loan, no one has ever threathened me this this. How is this happening? She would not acknowledge the unlawful practices.
Product: Checking or savings account

I had unauthorized charges on my checking account in XX/XX/2021 from a seller called Cali Styles. I notified Chase that I did not authorize the charge of {$750.00}. Chase refunded me while they investigated the claim. Chase contacted the seller name " cali styles " which furnished further fraudulent information stating that they sent me a package/ " play station '' through US Postal service and had a tracking number. Chase stated the electronic payment and this mail served as enough proof and would not defend me or refund me any further despite documentation and reasoning. 

Shortly thereafter XX/XX/2021, I had moved and overlooked mail and found this fraudulent piece of paper XXXX XXXX sent in order to feed their fraudlent activity. The USPS mail they sent weighed one ounce which clearly is not a play station. I notified chase of all of this but they will not review anything anymore from me. 

Chase will not review my claim which truly shows I did not buy anything from this company. They also wont provide me with the sellers contact information so I can dispute this further. Chase refuses to look at evidence presented. Police reports, bank statements and other facts such as I am a single female living in AZ and that I am not a married male agreeing to meet this seller in person in California on days I am working and living in AZ. Chase will also not look at evidence that it does not make sense to have a package mailed and meet in person for a sold item. Hence feeding the fraud because I did not meet this person or authorize charges. 

I have filed a police report, I contacted all three of my crediting agencies ( ie XX/XX/XXXX) to put a fraud alert on my accounts. I filed a complaint with IdentityTheft.gov. I am contact you for help as well. They told me to take this seller to small claims court but I can not because I do not have the identity or a business phone number or name. 

Please help me defend myself because Chase bank will not defend me!
Product: Mortgage

I am writing this hoping you can do something to keep a retired widow in her home. I was initially given a loan with Wells Fargo with too high of an interest rate, leaving me with a monthly payment that is impossible to afford. I am on a fixed income. 
When my husband passed away I contacted Wells Fargo about the monthly payment. They gave me a list of documents to provide them, which would always get lost, or would never be processed. This cycle happened over and over again, while I continued to get behind. When I called for help I would be transferred from one department to another and couldnt get even the simplest questions answered. 
The only help Ive been offered at this point is the advice I should leave my house and let them repossess it! Where would I go?
Product: Credit card or prepaid card

XX/XX/XXXX I checked out of XXXX XXXX early, i had paid for my entire stay but had not yet paid for the resort and parking fees. I paid {$51.00} for one day 's worth of fees. The front desk agent told me that her manager had agreed to waive the remaining fees as I would no longer be on the premises. I received a receipt for this amount from XXXX.

XX/XX/XXXX {$150.00} posted to my account. This is a charge for the additional resort and parking fees XX/XX/XXXX I called XXXX. The person I talked to told me they couldn't help me and I had to call their accounting department when they were open Soon after I disputed the charge with Wells Fargo as I became frustrated trying to contact XXXX. It is very hard to get them on the phone.

XX/XX/XXXX After back and forth with myself and XXXX, Wells Fargo decided that they would not continue with my dispute as XXXX  says the charges are valid.

I emphasized to Wells Fargo that I should not be paying these charges as the receipt I received was for {$51.00}. I checked out of the hotel and am no longer liable for accrued charges.
Product: Mortgage

Originally was misinformed, deceived, not made aware of how my Mortgage was going to constructed from the beginning. Currently no communication ability with the current Mortgage company XXXX XXXX/Shellpoint. XX/XX/XXXX wasn't made aware of Presidential disaster relief. 
Victim of XXXX XXXX  company forbearance scam. 
Now I haven't a lawyer group forclosuring on my property with my signature on documents I didn't sign. 
Need help with the stop of forclosure XX/XX/XXXX house goes on auction and My XXXX kids, ( XXXX, ) and XXXX Veteran, father and myself are XXXX. I also have equitable interest in the sercurities on the loan.
Product: Credit reporting or other personal consumer reports

I recently reviewed a Copy of my credit report. I am extremely staggered from seeing an open account - XXXX XXXXXXXX dated XX/XX/year> that been on my credit that I did not authorize. This is not fair while Im in process of closing in on a home for me in my family to stay in and I cant because of these unauthorized accounts on my credit. Please remove these accounts as soon as possible please and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts, have violated my rights. 

XXXX : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATION/XXXX  Account # XXXX XXXX  XXXX XXXX  Account # XXXX Equifax : XXXX XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXXXXXX XXXX Account XXXX xxxxxxxxxxxx XXXX XXXX  XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX Department Of EducationXXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Bank Account XXXX XXXX 15 U.S.C 1681 section 602 A . 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
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of years ago. My wife and I had to file for XXXX XXXX Bankruptcy due to a crazy amount of hospital bills, and related tests and exams, which we were making payments on, decided we were not paying in a timely manner and began sending all our past due bills to collections. 

We tried to work out the payments with the collection companies, but they wanted more than we could afford. Some bills were from tests that we had no idea had been completed. Some test were questionable but the credit companies would refer us back to the hospital and the various testing companies. They would refuse to discuss the matters because in their words, " The account had been sent to collections and it was out of their control. '' We attempted to pay all our debts but the collections companies pushed us to file for XXXX XXXX bankruptcy. 

My concern is with Syncrony Bank. We had a Sam 's Club Card which was overseen by Syncrony Bank. We payed our debt off to Sam 's Club. We did not file bankruptcy on Syncrony Bank or Sam 's Club. We specifically stated to the Bankruptcy judge that we had payed the debt to Sam 's Club and Syncrony Bank. But our Credit card privileges were suspended. 

Syncrony Bank refuses to respond to any letters we send to them. They do not acknowledge that we sent a letter to dispute this claim. 

We do not understand their reasoning for this decision. We paid our debt to Syncrony Bank yet they refuse to respond to our questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuing to report false and old information from Wells Fargo. It is reported in spite of being past the period for reporting. They are refusing to remove it in violation of he FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a serious issue regarding my credit report. I have been a victim of identity theft, during which my personal information was used to create multiple fraudulent credit files across various credit bureaus. To address this situation, I submitted a Federal Trade Commission ( FTC ) fraud report and promptly notified each credit bureau, including Experian, XXXX, and XXXX, of the incident. I also outlined the measures I have taken to mitigate further damage to my credit profile. Despite my efforts and the submission of the necessary documentation, my credit reports still reflect the incorrect information that has resulted from this fraudulent activity. I have not yet received a response from any of the bureaus, and the incorrect data remains on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 usc 1681b ( a ) Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 usc 1681b ( a ) ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. The court does not disclose information with the bureaus. Pursuant to 15 usc 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. I never gave anyone the right to put this account on my credit report. According to 15 usc 1681 consumer reports can NOT include any factual information. I am demanding that you delete this account from my report immediately as it is a violation of my rights as a federal protected consumer under title 15 usc 1681b.
Product: Debt collection

Reviewed most recent credit report and I noticed a collection that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me.

Under code 15 USC 1692g & 15 USC 1681C-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me XXXX XXXX XXXX in interest every year and ability to obtain new credit to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I sent a letter to TransUnion Credit Bureau asking them to correct errors that I discovered in my credit file. Month after month, I noticed that these items were still reporting. The credit bureau is allotted 30 days to review my request and make the necessary corrections, but they have more than exceeded that 30 days from the time of my first letter. I have sent several follow-up letters to them, however, they were not removing the errors, nor were they providing me with documented proof that they reviewed and properly investigated my requests. If items in my credit file are not factual and can not be verified, they must be removed. However, TransUnion is not following through and doing its part in maintaining correct and complete credit file information.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit accounts and hard inquiries are the results of identity theft and fraud
Product: Student loan

I have a XXXX year old XXXX study loan with XXXX XXXX. Navient is apparently the legal name that now administrates it. I have not received a bill in several years. Nor do I receive confirmation of payment. I quit paying it in XXXX of this year because I had no idea what was left owed or if I was dumping money into a black hole somewhere. I thought I would get a statement in the mail if payment was not made. Nothing happened. The loan was turned in for collection due to default. 
Upon checking my email I discovered Navient sent me several emails - but none of them are statements. Even if they had - I did n't sign up for email billing. Apparently the Navient process is for you to sign up for an account and view statements online. I 'm very familiar with online accounts - but was not noticed nor did I opt in to paperless billing or billing via a website somewhere. 

I 've contacted Navient to have everything sent by mail going forward. I was told that was not possible. I 'd like to pay off the remaining balance, but I do n't intend to pay penalty interest on late payments for an invoice I never received, which is all of them. 

I will contact their ombudsman program. 

Interestingly, my neighbor had the same issue with Navient last month.
Product: Mortgage

In a nut shell- My mortgage was sold to Selene Finance XXXX XXXX, 2021. ( that is all I know ; I understand Selene is not a bank yet I can not get info on who actually owns my loan ) I received the run around ever since. I set up auto pay from the beginning with Selene. They continued to say I did not and never had record of any of my contact with them. I have spoken to more representatives there than I can count. They never follow through with their promises to get to the bottom of problems and lie saying they'll remediate the issues then call you back, they never do. ( even if I talked to someone who sounded genuine ) In the end they merely hang up on me after treating me with condescension. 
My mortgage was sold, XXXX, 2021, Selene began servicing. They ruined mwould y credit after reporting me delinquent for nonpayment ( XXXX ) months in a row saying I did not set up auto pay. I finally had them draft the full amount ( s ) they said I owed, including all fees because they sent me a foreclosure notice. They will not repair my credit or take any blame, rather they continue to claim communications and " set up '' did not happen. A {$12000.00} Mortgagor escrow overage check was issued ( I saw on my online account ) which I never received. Each time I expressed this on phone calls the reps would put me on hold, transfer me, then finally claim that they redeposited the funds back to my account. They did not. I have been told I have a deficit in escrow and they raised my monthly payment to an amount well above what I was paying with the former mortgage bank. I have always carried homeowners insurance and always submit my insurance declaration page if/when it is requested, as does my insurance agent on my behalf. Selene continues to charge me outside insurance no matter how many times I prove ( as does my insurance agent ) I hold insurance, and always have. They have lied to me saying, " Just be patient and it will all be worked out and be removed. '' but it has not and does not. I have been charged insurance, fees, late fees, been reported delinquent, and currently am being charged {$16.00}, XXXX for insurance on my home that I have insurance on! ( My top notch policy is $ XXXX ) PLEASE HELP ME