23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from General Revenue Corp. dated XX/XX/2023 and received on XX/XX/23 ; Acct # XXXX regarding an alleged debt of {$4700.00} I assume it's for tuition bills. XXXX University is named in the letter as a creditor and charged me erroneously for classes when they knew the charges were excessive and not required due to providing students with misguided information and knowingly advising students about false degree completion times. And, I haven't taken any of those classes associated with the charges and or timelines. This situation was specific to XXXX students and the school was identified in several lawsuits, of which some are settled and some ongoing. The lawsuits speak to this very situation, where students were taken advantage of with erroneous tuition charges and were charged due to ongoing timelines for degree completion, when in fact students were led to believe that they would obtain their degrees sooner based on fraudulent advertising ( " Bait and Switch technique '' ) I can't personally divulge any particulars of those suits due to confidentiality. However, XXXX 's alleged and fraudulent charges indicated in the General Revenue Corp letter, are within the timelines for the lawsuits. The tuition amounts XXXX alleges I owe, do not match with any XXXX classes taken and are fraudulent based on this explanation in this writing.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX seems to think that my complaint is with Mohela so here goes. I have two student loans still on my credit report ( {$3400.00} and {$850.00} ) after my original student loans were forgiven by public loan forgiveness in XX/XX/2022. The Dept of Ed says I have a {$0.00} balance and that is reflected on my student account. The National student loan database says I have a {$0.00} reflected in their database and Federal Student Aid has written a letter that I will attach to this complaint that also says I have a XXXX balance. 

XXXX however believes differently and has taken it upon themselves to dispute my request to erase the two balances from my credit report. Instead they said that two multi million dollar companies tasked with the responsibility of transferring my student loans from one location to another was so incompetent in doing so that it is somehow my issue to solve and have left it up to me to fight for myself. Instead of looking at the evidence they are blaming you MOHELA for not successfully transferring my loans. I have also attached a letter from XXXX XXXX XXXX that says that my loans were transferred but XXXX knows better than anyone, obviously. I have also attached a document with what I believe are the two loans in questions. Next to them you will see it says they belong to the DEPT of ED and not XXXX XXXX XXXX XXXX XXXX XXXX XXXX still reporting them? 

I have tried unsuccessfully to contact someone at XXXX. I have tried unsuccessfully to dispute these accounts with the CFPB and both credit unions because XXXX decided to write a letter claiming the loans are valid. I have included their response here. 
" Company 's Response The Office of Consumer Advocacy ( ~~OCA~~ ) at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received your recent correspondence through the Consumer Financial Protection Bureau ( ~~CFPB~~ ) portal regarding the status of your student loan account serviced by XXXX XXXX. Please Note : XXXX conducts its student loan servicing operations for federally owned loans as XXXX XXXX on behalf of the U.S. Department of Education ( the Department ). In your inquiry, you requested that your XXXX XXXX account either be removed or updated to report accurately to the consumer reporting agencies since your account was transferred to MOHELA. XXXX performed a comprehensive review of your account. This investigation included the review of all relevant account history and documentation, including any information you provided to us. Based on this review, we determined the information reported is accurate. Credit reporting is valid. The Department advised XXXX XXXX to report the loans as normal using the previous transmission prior to the transferring to MOHELA on XX/XX/2022. MOHELA will have to complete the merge of the tradelines in order for XXXX XXXX to no longer report the loans. '' Please assist me in removing these two loans from my credit report. 

Thank you
Product: Vehicle loan or lease

I, XXXX XXXX, a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306 is aware that the unlawful use of a credit card such as a Social Security Card under 15 U.S. Code 1602 ( l ) by an organization or person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit constitutes unauthorized use pursuant to 15 U.S. Code 1602 ( p ). 

I understand that the fraudulent use of a credit card, by NAVY FEDERAL CREDIT UNION, is defined as whoever uses, attempts or conspires to use a card to obtain money, goods or services shall be fined for {$10000.00} or imprisoned for 10 years or both. 

This Promissory Note, as shown in EXHIBIT ( A ), is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. I have reason to believe and do so believe this instrument constitutes payment under the negotiable instruments act and has fully paid for this transaction on the date of consummation. 

I entered into a consumer credit transaction with NAVY FEDERAL CREDIT UNION where a credit sale took place and a finance charge was imposed, where NAVY FEDERAL CREDIT UNION holds a security interest. Pursuant to 15 U.S. Code 1605 ( a ), the finance charge is the sum of all charges. 

NAVY FEDERAL CREDIT UNION did not clearly and conspicuously disclose the right to rescind this consumer credit contract, nor did I receive any clear or conspicuous verbal, written or video explanation on my right to rescind. 

This is my notice of Rescission of this consumer credit transaction due to fraud on behalf of NAVY FEDERAL CREDIT UNION. NAVY FEDERAL CREDIT UNION has been committing theft by deception and using unlawful extortionate means by furnishing false and deceptive forms. 

I am invoking my right of rescission in accordance with 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until the discovery of its potential existence and demand a full revocation of such document ( s ) ; nunc pro tunc.
Product: Credit reporting

I have been unable to gain access to my experience credit report so I can dispute an unverified alleged debt on my credit report. The company who posted this alleged collection account has not afforded me the common courtesy as required by law the ability to dispute this supposed debt and request debt validation. They just put it on my credit report. I hereby dispute this alleged account with berks credit and collection for {$70.00} dated XXXX XXXX 2016. I demand an investigation be performed and removal of this sccount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, # XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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

Crown Asset Management , LLC XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account Company named above claims I have a unpaid balance charge off. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$520.00} dollars in XX/XX/XXXX. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product. And Crown Asset Management , LLC has no right to buy or purchase fradulent credit card deliquent balance from another company and use such against me by allowing such to be placed on my credit file. XXXX sold this fradulent accont to Crown Asset Management , LLC on XX/XX/XXXX, XXXX ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. 
7. Crown Asset Management , LLC must submitt proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number. 

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX ; XXXX and XXXX
Product: Mortgage

My mortgage company, Roundpoint Mortgage, is very incompentent. I provided needed flood insurance documentation multiple times to the email addresses provided, with proof. They still assesed flood insurance to my escrow, after receiving proof. Since working with a bad customer service experience I have received XXXX different revised escrow analysis statements with no explaination. Calling them is no walk in the park. The real kicker is anytime you go to make an on-time payment they asses an NSF fee automatically within their on-line payment system. That is just wrong.
Product: Debt collection

A notice of cease and desist, as well as certified proof of contract was sent to United Collection Bureau , INC on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me every day a couple of times a day, since the date listed on the notification letter.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
All accounts are listed below in the attachment box along with my proper documents, In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

Date of Alleged Late Payment : XX/XX/XXXX XXXX Auto I previously disputed this inaccurate information on XX/XX/XXXX for the third time and provided supporting documentation proving that the late payment being reported was incorrect. Specifically, I included payment ledger showing the account was current in XX/XX/XXXX I also spoke to a representative from XXXX during a phone conversation on XX/XX/XXXX where the representative confirmed that the necessary documentation was uploaded to address this issue but stated they dont update the credit reports at all. I recorded this conversation and can provide evidence of the representative 's statements if necessary. However, despite this confirmation and my previous efforts, the late payment entry remains on my credit report. 

This issue has been ongoing for over three years, and I demand immediate verification of this information. Under Section 609, I am requesting the following : Immediate removal of the inaccurate late payment entry if you can not provide verifiable proof of its accuracy.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I entered into a settlement agreement with Prosper. We agreed to a reduced amount of the loan as long as I paid as per the settlement. My payments were reduced down to {$180.00} until XX/XX/XXXX then the last payment would be {$110.00} due on XX/XX/XXXX. Since XXXX I have made all the payments on time, yet, the payments on the account look like I have not paid per the agreement b/c the payment amount is no the " original '' complete amount. So it is the constant rolling 30 day or more late. Once it becomes 60 days late according the the account they then report me late, but technically I am not as I am making the payments at least a day or two before the due date. They have now reported me late once again this month and this is not correct.
Product: Credit card or prepaid card

I have several Citibank credit cards, all of which have rewards programs. On my Citi Dividend World Mastercard my XX/XX/21 statement listed {$200.00} in cash rewards. Several days later I received a letter from Citibank stating that the card was being converted to a different rewards program -- the Citi Rewards+ Mastercard -- and that as a consequence my existing rewards where no longer available. 

I accept Citibank 's decision to change the program, but I feel like they had an obligation to allow me to collect my accumulated rewards before their elimination. To the best of my recollection, I had no warning of this impending change or the impact on my rewards. My habit had been to covert those rewards on an annual basis -- I regarded the rewards as a sort of savings account. It occurs to me that in appropriating these funds, Citibank has taken many thousands of dollars away from customers enrolled in the program. 

On XX/XX/21 I called my card 's customer support number to complain. The agent consulted with his manager, who authorized {$100.00} credit as a good will gesture. I accepted this offer ( perhaps relinquishing subsequent claims, this was not made explicit ) with the notion that halfway to a solution was better than nothing. But in my mind they still owe me money. And how many more customers are there in the same boat who may not complain because the amounts owed are not worth their time and effort?
Product: Mortgage

This complaint concerns two mortgage servicers, both attempting to collect mortgage payments from me for the same mortgage. I have repeatedly spoken to both companies over the last two weeks and both companies insist the other company is in error. My mortgage is due in three days and I am at a loss for how to proceed. Here are the facts : My partner and I entered into a mortgage agreement for a home in California in XX/XX/2021 Finance of America C/O XXXX sent us our first mortgage statement, which we paid on or around XX/XX/2021. However, a company called XXXX XXXX XXXX ( XXXX ) issued us a welcome letter stating that as of XX/XX/2021, XXXX was now servicing our mortgage. Finance of America, however insisted that it was still servicing our mortgage. In the last two weeks of XXXX I contacted both mortgage servicers repeatedly. Finance of America and XXXX ordered us to make payments through XXXX while XXXX ordered us to make payments through XXXX. 

After getting nowhere with phone calls, on XX/XX/2021, I sent an email to both companies demanding that they resolve this issue by communicating with each other. Neither company has yet responded to the email. 

Importantly, XXXX has all of my financial information, including our mortgage application and agreement, and Social Security numbers. We are unable to tell which company is our true loan servicer. Regardless, one of the companies is falsely attempting to collect our mortgage payments. We believe we have given them sufficient time to resolve this and at least one of the companies appears grossly negligent in handling this matter.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed some hard inquiries that have no permissible purpose to be on my report. I also have attached the evidence. Delete these inquiries due to violation 15 USC 1681b 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank offered a promo that offered {$20.00} to check one 's rate for a personal loan ( see attached emailed offer ). 

I had completed the steps yet the bonus was not credited as promised. I had chatted in about the issue on XX/XX/2022 and was promised resolution withing 7 days but unfortunately did not hear back from the bank nor receive the promised bonus.
Product: Money transfer, virtual currency, or money service

In XXXX, a fraudulent Square account was set up in my name. This business then charged almost {$10000.00} to a fraudulent credit XXXX XXXX Credit card also set up in my name -- - for " Intensive Therapy. '' [ A fraudulent business set up in my name at my home address, billed me on invoice # XXXX, for a credit card opened the day before, for one session of therapy totaling close to $ XXXX at my home address. In an of itself, this should have been thrown out ] The invoice is fraud, the account is fraud, and the charges are fraud. However, XXXX XXXX XXXX XXXX will not allow me to dispute the transactions because Square claims the business is mine. I have tried to resolve the issue with Square -- but they have zero customer service. I get a canned response. They claim they need the articles of incorporation for the business to discuss it with me. I have no access to the articles of incorporation in a fraudulent business. I can not get anyone from Square to work with me or provide the appropriate documentation and now am being charged by the credit card company because of Square 's incompetence, it's failure to protect its customers, and its violation of XXXX XXXX of Rights. 

I have provided them with information that my identity had been stolen ( through my mortgage lender breach - letter attached ), a copy of a police report ( attached that showed my home address was changed, and I was a victim of identity theft ), and provided all relevant information, as well a fake business receipt which looks like a XXXX XXXX XXXX developed it. Still, I am on the hook for this money and have received zero help or support from Square. I can not even get someone to talk to you.
Product: Credit reporting or other personal consumer reports

This auto loan is supposed to be in my ex husband 's name as it is stated in the divorce papers from New Mexico. And still hasn't been removed from my credit report.
Product: Student loan

I had a Student Loan Discharged, by : Nelnet, in : XX/XX/2020, for almost {$74000.00} and I haven't received XXXX XXXX of it, in my Mailbox, here in : XXXX, CA Why is that?
Product: Credit reporting

XXXX bill was paid in full as of XXXX XXXX, 2015, therefore it was not a collection account ending the month of XXXX as Experian is reporting. I have proof of the payment attached. Experian has not supplied me with full payment history and how they verified payments on the account as FCRA 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a recent victim of three online scams including identity theft and financial fraudulent charged and unwanted charges. I've been in touch with all three credit reporting agencies. I want to place verify that an initial and extended fraud alert is in place with all three agencies and that they have received my letters of updated phone number, address and other updates. I want them to remove and add and new security freeze to all three files and a security alert. this needs to be done asap.
Product: Debt collection

I went to XXXX XXXX XXXX on XXXX/XXXX/XXXX, I paid my co-pay during the visit. XXXX XXXX XXXX XXXX tried to use incorrect insurance information ( XXXX XXXX XXXX ), when I 've had XXXX XXXX XXXX XXXX of Texas insurance since XXXX of XXXX. 

XXXX sold/contacted CommonWealth Financial Systems, they submitted my debt/account to collections on my credit report in XXXX of XXXX. 

I contacted them stating I had insurance, they worked with XXXX to resubmit a claim to XXXX of Texas, which denied their claim stating the submission as 12 months past service date, and I was liable for {$0.00}. 

I will be submitting the explanation of benefits for the original service date, and the resubmitted XXXX from XXXX XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX, I was sent a copy of change of terms letter -dated XX/XX/XXXX, from us bank concerning XXXX change, from XXXX XXXX rewards visa credit card to XXXX XXXX world MasterCard , which stated the new card would be received between mid-XX/XX/XXXX and XX/XX/XXXX, by me.letter stated that my old Visa card would deactivated 60 days after my old card is issued or 30 days after I activated my MasterCard.i never was sent my new XXXX XXXX MasterCard by late XX/XX/XXXX.my XXXX XXXX Visa card was carelessly deactivated by us bank-XXXX, at least.late XX/XX/XXXX.i could not make purchases and my automatic payments were  found to be rejected, in late XX/XX/XXXX and XX/XX/XXXX and probably XX/XX/XXXX.us bank and XXXXboth lied on change of terms letter, because I finally called us bank to ask why my card would function, then I was told by a representative that my XXXX XXXXXXXX   Visa card had been deactivated, even though I had not received my new XXXX XXXX MasterCard by XX/XX/XXXX - XX/XX/XXXX.i had to request a new XXXX XXXX MasterCard in XX/XX/XXXX,  but advertisement latter that the new card arrived withinhad XX/XX/XXXX marked on bottom of letter.us bank representative falsely told me that I would receive two XXXX XXXX rewards cards in mail, but I only received the XXXX XXXX MasterCard from XX/XX/XXXX requested order, which means no new MasterCard was sent to me, in XX/XX/XXXX-XX/XX/XXXXas stated on XX/XX/XXXX letter.i had no new MasterCard to issued, at time of XX/XX/XXXX nor did I posses a new MasterCard to activate 30 days before  deactivation.therefore, my automatic payments were being rejected, changed, etc. and could not make purchases with my deactivated XXXX XXXX card.after, activated my XXXX XXXX MasterCard in mid to late XX/XX/XXXX, then all my automatic payments obligations needed to charge double for my needed insurance and health care discountaccounts, therefore, all three automatic payments overdrew my new XXXX XXXXXXXX MasterCard. Why did us bank and XXXX abuse me, in this way?