23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, ( account XXXX Paradigm assets recovery ) 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 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I XXXX XXXX XXXX XXXXXXXX {$710.00} from XXXX XXXX XXXX XXXX to her Vystar account via XXXX. The money was sent in error. I contacted XXXX XXXX and she contact Vystar to reverse the transaction as she had just made changes to some of her personal contacts and didnt have access to XXXX it back. 
On XX/XX/23 XXXX saw the funds removed from her account at Vystar. 
The funds have not been returned to my account at XXXX XXXX. 
XXXX and I have spoken to Vystar and XXXX XXXX together and neither institution can see where the pending {$710.00} is. XXXX has been unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 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 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: Debt collection

On XX/XX/year> XXXX XXXX XXXX filed a lawsuit regarding a car loan. I was going thorough a divorce and did not want the car, however, the car loan was almost if not all the way paid off. I never received documentation of how much the car sold for at auction or anything that it required by law. I don't believe that I owe this debt. The note was in my ex- husband 's name as well, but for some reason only my name appeared on the summons. During the first court hearing XXXX XXXX did not show to court. A new court hearing was issued commanding XXXX XXXX to appear in court, and again they willfully failed to appear, so the judge dismissed the case without prejudice, but then the court notified us that a new court case would have to be refiled before the statue of limitation or it was time barred in accordance with Indiana law, which is XXXX XXXX  This company is reporting that I owe the debt to all the credit bureaus even though the plaintiff ( XXXX XXXX XXXX ) forfeited their rights to judgement due to their multiple refusals to appear in court. I do NOT owe this debt and am disputing this debt. I did not get a chance to present my evidence in court due to their willful failure to appear. If I owe this debt then why didn't this company pursue their judgment? Why did they fail to appear in court and why did they fail to appear in order to keep their case from being dismissed? XXXX XXXX can no longer pursue a judgment because they allowed the case to become time-barred and never refiled.
Product: Student loan

I was approved for full discharge and refund of my federal student loans due to unlawful misconduct by XXXX XXXX XXXX under Borrowers Defense, however, Navient has denied the same relief for my private loans under the same conditions from the same school. 

After submitting detailed answers and evidence of misconduct in their School Misconduct application, I was given an arbitrary denial letter stating that I simply " do not meet the requirements for discharge based on misconduct ''. It had no detail or reasoning as to why they would deny the same relief that the federal government itself has found to be appropriate and fair based on its findings.
Product: Student loan

I have been trying for over a month to get my student loan payments recalculated. Mohela hasnt attempted to make the change, even when Ive called and sent messages through the in box, As of today, my account still shows that my federal student loan payment is {$7500.00} a month. Also, it shows my loans are in deferment until XX/XX/XXXX. Ive completed an application to recalculate my payment and take my loans out of deferment through StudentAid.gov on XX/XX/XXXX. Mohela still hasnt acknowledged it, even when I called on XX/XX/XXXX to check on this. The representative acted as though she didnt know what I was referencing although I stated I uploaded the application in Mohelas portal on XX/XX/XXXX at XXXX XXXX. The payment is supposed to be {$480.00}. I also have copies and screenshots of this as I figured this would happen. All Im trying to do is get my payment amount corrected and restart my payments so they count towards Public Service Loan Forgiveness ( PSLF ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a person loan to start my new business. Long story short I wasn't approved so it prompt me to check my credit report. I see items on my credit report that are not mine. These items are not mine and I need these items removed from my credit report. I've contacted the FTC and the police and I'm doing this myself. XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX-PRIVATE CRED, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

I regularly check my XXXX and XXXX credit reports on XXXX. Recent check have discovered a collection placed by a company called Midwest Recovery Services for a payday loan from XXXX. Upon further inspection it appears the payday loan company is a scam. I have NEVER applied for nor received a payday loan from this company. I was also never notified of an attempt to collect this debt by Midwest except when it showed up on my report. I have submitted a Debt Validation letter via certified mail with no reply.
Product: Credit reporting or other personal consumer reports

I went to check my report because Ive been working on building credit for my business and so I can get a car when I graduate and was saddened by this false information.
Product: Mortgage

Applied several times and was denied by Ocwen financial servicing for a modification loan, even got 3 jobs and was still denied. Filed bankrupcy in XX/XX/2017 and then got hurt in job and couldnt pay bankrupcy payments and so it was dismissed. Please help. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX department is violating the 1974 Privacy Act, which prohibits the federal government from disclosing and misusing sensitive personal and financial information. The Education Department violated confidentiality provisions of the Internal Revenue Code by giving XXXXXXXX XXXX XXXX  access to records that contain tax information. The department collects personal information to administer federal financial aid programs, including dates of birth, contact information, Social Security numbers and, in some instances, bank account information. XXXX has gained access to Education Department databases that contain such information -- the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The agencies are improperly disclosing the records of millions of Americans to XXXX  staff in violation of the Privacy Act. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have completed several disputes to XXXX, XXXX XXXX Experian on XXXX XXXX and XXXX XXXX due to inaccuracies on my credit reports but they all failed to respond to my request. They didnt investigate nor send me any correspondence via mail.
Product: Credit reporting or other personal consumer reports

am writing to express my deep frustration and disappointment concerning the ongoing issues I have been facing while trying to correct late open accounts with 3 Credit Bureaus. These inaccuracies have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the late open accounts on my account and promptly contacted your customer service department. I explained the situation and submitted the required documentation, including [ provide a brief description of the documents submitted. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. Please help me correct the following accounts : XXXX XXXX XXXX : {$340.00} ; XXXX XXXX XXXX : {$240.00}.
Product: Vehicle loan or lease

I returned a financed vehicle to JP Morgan Chase in XXXX after coming out of Chapter XXXX due to discrepancies in the actual amount owed. I was issued a 1099-C in the amount of {$2900.00} in XXXX. The amount was claimed on my XXXX Federal tax return. In XX/XX/XXXX I was sent a Check Reissue Affidavit by JP Morgan Chase to claim funds that had been sent to me (? ) in the amount of {$940.00} per the correspondence. I followed the instructions on the correspondence reached out to J Morgan Chase on 3 separate occasions questioning the aforementioned situation. I was unable to get any direct answer and the funds were turned over to the state of PA. 

How do you get a 1099-C and a refund?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card or prepaid card

I received a misleading email making it seem like my account was overdue and they offered special programs including taking my tax refund to cover a payment/partial payment. In the email it includes this line underlined and in italics " If you 're getting a tax refund, put those funds to good use - bring your account current to stop the late fees and collection calls. '' My payment is due XX/XX/XXXX. I received this predatory and misleading email today, XX/XX/XXXX. My account is not overdue, but the red highlighted " alerts '' and request for my tax refund were still sent to me? Not ok.
Product: Debt collection

On XXXX XXXX I received a letter from first national collection Bureau located in XXXX Nevada their phone number is XXXX they have a reference account number of XXXX XXXX XXXX XXXX I contacted them and representative explain to me the debt is from 1995 I explained to her that I never had a credit card with XXXX she then hung up the phone
Product: Mortgage

I was sitting at home, working diligently and making my house payment on time as I have for the past 12 years. Nationstar Mortgage decided to tack on a " property inspection '' fee to make sure I still live here. I never authorized it, no clue why they charged me for it and am arguing with them about their random fees. Their response so far has been " well, it was {$13.00} this month, you are lucky it was n't {$300.00} ''. This has to be illegal. I asked them for written documentation where it says they can randomly assess my account funds ... ... ... they never sent that documentation and suddenly do not speak English very well. I have been on the phone almost every day with them and just get put on hold for hours.
Product: Credit reporting or other personal consumer reports

I recently reviewed my report amd noticed I had some fraudulent accounts on my report. 
Please remove these items from my report as it is hurting my ability and right to obtain credit!
Product: Mortgage

Have had a mortgage loan with XXXX for the past couple years since refinancing with them in XX/XX/XXXX. The loan servicing was switched from XXXX to SLS Loan Servicing on XX/XX/XXXX without my knowledge or input. I received a letter the XX/XX/XXXX from SLS informing me of his change. The letter stated that nothing about my note or mortgage would change. I then got another letter at the end of XX/XX/XXXX stating that a {$2700.00} lender placed hazard insurance policy would be placed and the payment would increase by {$110.00} per month starting XX/XX/XXXX unless I found my own policy within 45 days ( note : there was only about 30 or so days til XX/XX/XXXX at the time ). This forced policy amount was double what I had been paying to escrow for hazard insurance. I then got an agent and found a policy for {$1500.00} which went into effect on XX/XX/XXXX, however the payment did not decrease at all and I was told that I still owed the difference from my my {$660.00} payment to the increased payment of {$780.00} even though I had purchased a much cheaper policy which would 've brought the escrow back down well before XX/XX/XXXX. I was also told by an SLS rep that there was a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX and that {$480.00} was taken out of my escrow account by SLS to cover it because they did not accept the previous hazard insurance placed by XXXX even though I was never informed that I did not have coverage at any time until today. I was not given any notice ahead of time about the transfer of servicing or the lapse in coverage in order to get a policy before hand and prevent a lapse. On the contrary, I was told that nothing would change in the letter I received at the end of XX/XX/XXXX ; even though the rep in the Hazard Insurance Processing Center for SLS stated that the lapse in coverage is standard on all loans from XXXX to SLS. Than no Hazard Insurance policy is ever continued from XXXX to SLS. I think it is horrible business practice to plan and execute a transfer of loan servicing, allow a lapse in Hazard Insurance coverage, then charge the only party in the transaction who had no knowledge or control over anything ; after the fact. This could have been prevented by simply informing me 30 to 14 days BEFORE the transfer of the loan. Now I have an unpaid balance of {$110.00} on my XX/XX/XXXX mortgage payment as well as a deficit of {$480.00} in my escrow account that I just found out about today. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents as the personal information you are reporting is not mine.
Product: Checking or savings account

I 'm  currently banking with chase and have been for years. I have  XXXX  checking accounts with them. This morning we I wake up to two insufficient funds fees added to my account prior to this I received no notifications stating that my account was overdrawn anything nor did I get a notification about the first insufficient funds fee added this is not the first time this has happened to me it 's been happening over the years that I 've been banking with chase but now I tired I feel that there just taking money for no apparent reason, money I do n't have to give away I have kids to feed. When I called and told them about my issue they tell me that 's there is nothing they can do, I asked even if there a mistake on the banks behave the representative says " there nothing we can do ''.
Product: Checking or savings account

On XX/XX/24 XXXX was removed from my banking account through unauthorized ATM withdraws. I was alerted by email of the withdrawals and contact the bank immediately and open a case to resolve unauthorized ATM withdrawals. On XX/XX/24 the bank refunded {$1200.00} of the XXXX. Call the bank on XX/XX/24 to find out when the rest of the money would be refunded back into my account. The customer service rep told me that the funds would not be put back into my account because of the transactions were done at an ATM using my card and pin.
Product: Debt collection

I received a bill from Couch Conville Blitt Attorneys at law trying to collect {$10000.00} on an account that there was no judgement on I received a letter from XXXX where they advised they were not attempting to collect due to the credit card had XXXX insurances after more than 6 years after the fact I have an attorney writing wanting me to settle on a debt that is not owed and is past the statue of limitations for the state of Mississippi to collect on
Product: Credit card or prepaid card

My monthly payments are {$75.00} each month and due on the XXXX of every month. I make payments through the Ashley XXXX. However I am always having trouble making payments, as their app never works. They have absolutely 0 days of grace period. If I make the payment the next day I must pay {$120.00} which includes the late fee. I find it extremely unfair, as they should either allow a grace period or fix their app. I understand that as a consumer I am responsible to make payments on time but I do not have the capacity to sit around and keep launching the app until it works. Nothing on their app indicates if there is any other form of payment. I have paid this late fee in the past multiple times and have not complained but I can show proof ( screenrecord ) that I have had multiple issues in the app. I would like to have those fees waived. XX/XX/XXXX as well as XX/XX/XXXX even dating back to XXXX. Although I am aware and signed the contract, the interest they charge is abusive and the fact that they don't have grace periods is ridiculous, all credit cards have some sort of grace. Those people are hard to get a hold of, you call synchrony bank, and they tell you to call the store Ashleys and you're just back and forth to the point where you just give up and don't ever call back. These late fees date back to XXXX where I also sent a chat to them advising that I was having issues on the app and that I could not make a payment. I will never ever do business with synchrony and Ashleys and have a few acquaintences that feel the same. I will at every opportunity discourage anyone from shopping at XXXX  and using synchrony as the creditor.
Product: Debt collection

A little over 4 years ago I moved out of an apartment I shared with a room mate. I moved in with my then fiance. He was supposed to get the water bill switched over into his name. A few months later his mother passed away from XXXX and he moved back to Alaska. I have since lost touch with him. He never told me about this and I did not notice this until I opened a XXXX XXXX account a while back. 

Derogatory mark : Collection Opened XXXX XXXX I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX, KY XXXX ( XXXX ) XXXX
Product: Debt collection

During my summer XXXXsemester i was given federal financial aid not by the school. They withdrew me from a course at their discretion and are attempting to charge me for that class. I spoke to the financial advisor and she stated it would be removed due to an accident. It is now on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX , XXXX of XXXX, CA XXXX inappropriately obtained my credit report information from one of the three credit reporting agencies despite having been registered on the no-contact/opt-out lists with all three for almost two years now. They used this information to send unsolicited offers of credit to me in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 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 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: Debt collection

On approximately XX/XX/XXXX a representative contacted about a balance I owed to XXXX XXXX  by Amsher a debt collector. I agree to a settlement to resolve the account in the amount of XXXX and asked the representative to call me back at the end of the month as I am on a fixed income and could'nt make the % XXXX payment of XXXX until the end of XXXX On XX/XX/22 I received a call from XXXX who processed the payment of XXXX and agreed to call back for the additional payment to be processed. XXXX called on XX/XX/22 and said the payment was attempted and was declined I attempted to explain that I was on a fixed income and needed the payment to be attempted after XX/XX/22 at that point XXXX became rude and was speaking over me and not allowing me to explain, he then stated that since I was unable to pay on that date that the settlement agreement would no longer be valid and that I would need to make a new one. I called back and " a supervisor '' who listened to my complaint and made no attempt to resolve anything. Based on my treatment by this company I disputed the original payment of XXXX with my bank and feel that I did nothing but attempt to resolve this account with this company, on a fixed income and during a pandemic. Who is doing that? And this is the way I am treated. I don't understand how these people are allowed to operate and why they haven't realized that you get a better result by treating people with empathy, respect and concern as opposed to hostility, threats and disrespect. As I explained to XXXX XXXX this debt is not a pressing issue for me but I was still attempting to resolve it fairly and was treated horribly because of it.