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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XX/XX/year> Dear : 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 Bank XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a letter from this company today saying I owed {$17000.00}, but without any information saying who the debt was from. I called the number provided and the representative confirmed that it was a student loan debt, but she couldn't say from who or when. I pointed out that it looked like a scamespecially when I don't remember taking out any loans with themand it was very probable that they were out of the statute of limitations for my state, just like everyone else that has tried to collect on me over the last year. ( XXXX XXXXXXXX, people. Look it up before trying to collect on a XXXX! ) She said I could send a notarized cease and desist letter to [ email excised ], and I said, " Yeah, and that's going to cause you to waste paper, ink and postage to send me a huge packet of papers that only confirms that you're in the wrong, at which point I'll contact the Consumer Financial Protection Bureau to make you go away. Excuse me while I skip straight to that last part. You have a nice day. ''
Product: Debt collection

I usually pay Navient a monthly payment of {$650.00}. I have not had a check returned for insufficient funds or been late with a payment. 
My payment is due by the XX/XX/XXXX of every month. 
I mailed my XXXX payment of {$650.00} on or about XX/XX/2021. 
Upon checking my bank account around XX/XX/XXXX, I noticed a DOUBLE withdrawal of {$650.00} ( an admitted error by Navient ). 
I called the bank and placed a stop payment on that check # XXXX ONLY Arc # XXXX. 

I thought check # XXXX would clear as payment, but it never did. 
Therefore, my account was considered delinquent. 

Ok. On or about XX/XX/2021, I began receiving phone calls at XXXX requesting the XXXX payment. I said I would mail it the next day. The rep said she would " note it '' on my account. 
It ( a check for {$1300.00} XXXX was maled on XX/XX/2021, which would cover the XXXX " delinquent '' payment and the next due XXXX payment. 

The following week, I received at least two evening calls and a call on XX/XX/XXXX and XX/XX/XXXX from Navient again demanding payment! 
I explained again that I had already mailed the payment ... it was implied I had not! 

On Tuesday, XX/XX/XXXX, I received another call. Since I had received my check back, I went ahead and paid {$1300.00} from my debit card as a ONE TIME payment. The confirmation # is XXXX. 

Using a debit card is NOT a payment practice I choose to continue. I have always paid by check and wish to continue, and I should have every right to. 

On Saturday, XX/XX/XXXX, I received a letter from Navient dated XX/XX/XXXX telling me my account was INVALID that I must go to the bank and obtain a letter stating my account was not invalid. 
The account was and is not invalid. My check for {$1300.00} was also enclosed with the letter to me stamped VOID with no explanation as to why. 

The XX/XX/XXXX date PROVES my check had been received, prior to the harassing calls I received thereafter, but the payment had been rejected, and I was harassed instead of being informed. 

I went to the bank this morning, and was told the bank does NOT call or write letters as proof of account validity. My account IS VALID. 

When I returned home, I called Navient. I spoke to rep " XXXX '' and her supervisor, " XXXX '', who were both rude. 

PROBLEM : I was not given a reason for the declaration of INVALIDITY on my checking account. I deserve an explanation. XXXX refused to correct the situation. My checking account is NOT invalid!!!!! XXXX said the declaration by Navient IS the reason and I deserve no further explanation. 

The double charge was originally a Navient mistake. Now it seems I am being continually punished for protecting my interest and not wanting or needing to pay double in XXXX. 

The account is up-to-date. My account should be reinstated and my check accepted for future payments.
Product: Checking or savings account

When travelling in XXXX XXXX, on XX/XX/XXXX I was forced to leave my US Bank debit card behind in an ATM machine, because I was surrounded by a hostile group of locals who made me feel very uncomfortable. They first conned me into believing that I was supposed to use my card to get a local pass, and then when the card would not be returned be the ATM machine started pressing me into using another card, shouting, made me worry about my personal safety, so I decided to leave the card in the machine and to contact US Bank. 

I walked away from the ATM machine into a hotel lobby nearby, which was a safe place, and immediately contacted US Bank on the phone. By the time I managed to get through to US Bank Security ( waiting on hold, authenticating, etc ) there were three cash withdrawals posted on my account, for {$210.00}, {$360.00}, and {$140.00} This is absolutely preposterous beause : ( a ) I never informed US Bank about my travel plans ; ( b ) I have not withdrawn money from my account abroad in at least ten years, so there is no pattern of me using the card from abroad ; ( c ) how would the US BAnk allow all three transactions to go through, should not there be a reasonable daily withdrawal limit?
Product: Mortgage

My now x husband stop paying the mortgage XX/XX/XXXX and I was not notified until XX/XX/XXXX {$2600.00} behind. I asked why was I not told they said they did not have my info. I am not the co buyer and by law the have to keep me informed of this mortgage and if they don't have my info it is there fault need to my I spoke to several lawyer and was told that is against the law and I hired one to sue. They found me a year letter to send the letter which show that they could find me. Now I'm in  forclosue band they have a sell date. I got papers the end of XXXX stating they were going to restart the forclosue and I called on the 6th with a company to help my with this problem and was told about the sell date. Again if I had not called I would not no that the forclosue was started the letter said they are going to the court to start and to this point I have nothing in writing saying I'm in forclosue or they have a sell date so I would not know I have to do something to stop this like I'm saying Navy Fed does what they want and I suffer for it because I never know what's going. They can forclose for non payment and the law helps but no one says anything about me not knowing they were not getting paid nor did I have the option to pay cause I did not know. They use to take the payments out if my cheacking account but they stopped so I thought it was being payed. I had XXXX at on time XXXX another time and they took nothing after telling if the money was in the account they would but they did not even tell me anything until the money was gone GO FIGURE. I'm not stupid they know when I have money and when I don't. They go to the court like I'm a dead bet not paying my bills and it's working no one knows I did not know to pay thats why I am sueing because again I was told their actions on not legal. If the people that I'm working with now had not called they could sell my house before I could do anything. They do not do truthful or honest work. I did not no my x stop paying because the note was a draft from his paycheck so I had no way to track it but again no way one told me he wasn't paying and they were not pulling from my account which they said they would so I thought everything was good.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Dear XXXX Please, I am disputing the date of the last activity for account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX delete this item. 
It has been re-aged. 
I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXXXXXX XXXX XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX - XXXX - Delete this item immediately. It is a public record that can not be verified and is incorrect. 

XXXX - XXXX- Delete this item immediately. It is a public record that can not be verified and is incorrect. 

XXXX XXXX - XXXX - This is not mine - please remove this inaccuracy from my report Sincerely, XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Did not consent to authorized this inquiry XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several incorrect and inaccurately reported items on my credit report by sending this credit repository a letter last XXXX XXXX, XXXXOne of the disputed items is Bankruptcy : XXXX XXXX ref # XXXXwhich according to the court has been dismissed last XXXX XXXX. This proves that no investigation was done by this company and that their records are outdated. The other items I disputed are listed in the attached files. These are copies of the letters I sent them last XXXX XXXX, XXXX and the letter I am sending them today. Inaccurate and incorrect information such as account opened date, payment history, highest balance, status, closed date etc. are still reporting and violation FCRA, FDCPA and the bankruptcy law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fraudulent dispute with these companies on XX/XX/2022 including my dispute letter FTC report and proof of identity. Experian and XXXX received my request on XX/XX/XXXX I have tracking to prove it but they have not sent me any correspondence regarding my request to suppress this fraudulent information. XXXX said they did not received my request when I called them. XXXX received my letters on XX/XX/XXXX via Fax and I can not access my online account to check for updates on these disputes and they have not responded to me. Neither one of these companies has responded in the allowed amount of time according to FCRA which is 4 business days of receiving fraudulent disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have only XXXX phone number As I look on my XXXX, XXXX and equifix I see unknown phones that doesnt belong to me the only phone number tha should be listed is XXXX
Product: Student loan

I graduated from XXXX in XXXX of XXXX. Since then, I have been working in several XXXX XXXX doing XXXX XXXX. While I enjoy what I do, it doesn't pay me super well. After years of making on-time and complete payments on my Navient private student loan interest, I was jettisoned into a {$900.00} a month repayment plan. Obviously I can't afford that and also live, so I reached out to Navient to try and resolve this. I was told that the best option was to forbear my loans, so I did this multiple times until I couldn't forbear them anymore by XXXX of XXXX. After that, I was told that Navient could potentially help me with a lower payment plan. Myself and my cosigner gave the information that was asked of us, but were denied. A month or so later, in late XXXX or early XX/XX/XXXX, I called Navient to make a credit card payment, which they refused to accept. They again suggested a lowered repayment plan, which I informed them that I had already been declined for. At this point, they informed me that a chunk of the information necessary from me and my cosigner was missing, which leads me to believe that whoever took the information initially was deliberately leaving out financial information in an effort to manipulate me and my cosigner out of money that we point blank do not have. I was incensed. I asked them to provide me with all of the necessary documentation to prove that they own the debt. Today 's date is XX/XX/XXXX. I asked them for that paperwork over a month ago. I have not received it, so I have been avoiding their calls since because I just can't afford to pay them. They are now threatening to report to the credit bureau on my cosigner and my credit scores, but I don't see how they can do that when they can't even seem to send me the proper paperwork they'd need to even do that.
Product: Checking or savings account

I went to Bank of America in XXXX XXXX, CA ( my primary bank at XX/XX/22 at XXXX PST ) to open an estate checking account for my recently passed mother. Note : My mother passed away in the state of Georgia. I am the Executor/Administrator of my mother 's estate and a California resident ... I came to my appointment at Bank of America with all the paperwork needed to open a checking account ( including a death certificate ). I was told they would not be able to open the checking account in California due to company policy and that I would need to travel to the state of Georgia ( where my mother passed ) to open the account with Bank of America ; there are no legal requirements for this. This is classism and a massive accessibility issue for people with disabilities, already suffering great loss.
Product: Credit reporting or other personal consumer reports

Ive reviewed my consumer reports and notice that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abilities with maximum accuracy. I have never been late on payments for the accounts that I have included in this screenshots inside this complaint in on this date of XXXX XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand that these payments be updated to paid as agreed on time as they should due to the fact I was never late. Thanks! Please see screenshots attached :
Product: Mortgage

We closed on our home XX/XX/2017. We had already paid for homeowners insurance for a full year in advance to closing. Also, my husband is a XXXX XXXX XXXX XXXX XXXX Veteran and so is Tax exempt in Florida. Our loan broker was XXXX XXXX with XXXX XXXX. We informed him up front that we did not want to use Freedom Mortgage. Within 30 days of closing we received a letter stating Freedom Mortgage would be our new mortgagor. We made our payments as described and agreed upon in our contract. However, Freedom Mortgage, cashed our checks and held the money not applying it to our loan. We called them, faxed them, emailed them and hand wrote them using the USPS with certified mail numerous times giving them copies of our contract, proof of tax exempt status, prepaid Homeowners insurance for a year in advance and even had the insurance company verify the insurance status. Freedom Mortgage continued to cash our checks and not apply them to our account and added late charges onto our loan. In fact they reported us as late payments every month on our credit report which has ruined our great credit, caused unbearable stress and embarrassment. We do not know what to do.
Product: Credit reporting or other personal consumer reports

As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Here are the items that I need to have fully verified as being 100 % accurate : XXXX. FDCPA Section 807 Violation Misleading False Reporting AMWESTFINCOR Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. FDCPA XXXX XXXX Violation Misleading False Reporting XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

Also You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 


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

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

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

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

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

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Checking or savings account

Wells Fargo has allowed my account to be over drawn when I reported fraudulat charges. There were 2 checks that were mobile depositsted into my account whom ever commuted this fraud had a fake United States treasury check and deposited via mobile banking. My husband and myself have never used this type of banking we only have our employer direct deposit and also if it tax time the state and federal taxa are electronicly deposited. When I noticed this I reported it right away. Wells fargo told me that I have to eat the charges because only I could do mobile deposit from my phone and Noone else could. This is not true and here my husband and myself are are in hole in the amount of XXXX and we ca n't pay our bills cause we got paid the same day this happened and which was the XX/XX/17 and it is all gone. Wells fargo says all they can do is lost stole. Account info and we have to pay them back.
Product: Debt collection

I am receiving statements for a phone company which is not mine. This bill is in a state which I have never lived in. I have never had an account with this company. I have lived in Arkansas for the past forty years. I have tried numerous times to get this account removed from my credit report but all attempts have been unsuccessful. This debt is having a negative effect on my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XXXX XXXX I was notified that my XXXX credit card was used in Florida ( I live in California ) and it was maxed out. I then spoke with the credit card company and they addressed the issue swiftly. However, when I took a deeper dive into my credit I realized that I was a part of the Equifax breach ( I was never notified by Equifax about this ). I then looked my credit report and realized that someone just added a new address in XXXX, Florida. This is a fraudulent address and it is only showing up on my Equifax report. That being said, I have called 9 times now with a cumulative amount of 9 hours waiting to discuss with someone on the phone. Each time after just about an hour on hold they hang up ( I have picture documentation of this ). Then I submit the dispute via the Equifax website on XXXX XXXX. I received the response to the dispute on XXXX XXXX, and the first time I opened the page it says there are no disputes pending. The 2nd time it says it can not help me because my information does not match my report. I have included screenshots on both on this complaint. My credit score has taken a hit due to this, there is now a fraudulent address under my credit file, and there is no way for me to resolve this with Equifax. This can have a long term affect on my credit and for a business to not accept responsibility or help assist is unacceptable. I am turning to you all to help before this gets worse. Thank you!