23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I took a loan forbearance due to Covid. I applied for assistance through the Arkansas Homeowners Assistance fund. I was approved in XX/XX/XXXX for funding. It took months and numerous contacts for the mortgage servicer to locate the form authorizing a wire transfer. Funding of {$16000.00} was wired on XX/XX/XXXX. It took weeks of calls and contacts for the servicer to " find '' the funding. The funding was posted on XX/XX/XXXX and did not start getting applied until XX/XX/XXXX. I have made numerous requests to have " fees '' now totaling {$260.00}, explained to me as well as a review of my escrow account. I have tried to figure it out by way of their website to no avail and got no response from the servicer. The mortgage payment amount they claim due is not accurate. By my calculations, tax {$860.00}, Insurance {$2100.00}, MIP {$120.00} for a total of {$3100.00} divided by 12 equals monthly escrow of XXXX plus P & I {$410.00} equals a monthly payment of {$670.00}. The application of the assistance funds is posted out of order and includes unapplied funds. No clarification of this has been provided by the servicer despite repeated requests to do so. I have another complaint, XXXX regarding credit reporting that I have been trying to get resolved since XXXX. They continue report inaccuratly and verify the information as accurate.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian credit bureau on XX/XX/ providing proof of payment in full of my auto loan through XXXX XXXX XXXX. I received my title to my car and also a letter showing my car was paid off. I provided all of this to Experian credit bureau and they have refused to show my balance at XXXX showing paid in full. XXXX XXXX XXXX  also, stated they contacted Experian credit bureau telling them the account was paid in full. I reviewed my credit report and in the section statement from customer ; states it went to a collection company. However, thats not true. My car was paid off on XXXX XXXX XXXX The credit bureau is refusing to update any information or show my car paid off and raise my credit score.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX XXXX since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.
Product: Student loan

I cosigned for a private student loan for my son in 2006. I was in good health and working at that time.He was paying on the loan but then life gets in the way-premature baby, job changes, divorce, etc.Now, I am XXXX, retired, & had to file bankruptcy due to medical bills. Since I am the cosigner Navient continues to harass me with phone calls several times a day. Often the phone only rings once & when I answer no one responds.It starts about XXXX XXXX and ends around XXXX XXXX. I have explained my situation repeatedly but they maintain their is no way I can be removed as cosigner even though my budget is extremely tight! He has asked several times to get a reduction in payments but they recommend forbearance. Now, he has used all of his opportunities for forbearance. Their agent told him yesterday that if he could pay {$19000.00} within 3 months they would take 10 % off the total.That was their only solution!! He made a " parital '' payment but the late charges will keep mounting. I called and offered to pay enough so that partial payment would be considered a " full '' payment but they refused. The agent said I couldn't make a " partial '' payment. She could only accept a FULL payment from me! There is no recourse to eliminate or reduce this debt even though my son and I have both have had major events influencing our income.
Product: Debt collection

XXXX XXXX XXXX has been contacting my parents with text messages that include information about the amount of my debt owed. Repeatedly. Nearly every day. I did not give them permission to contact my parents about my credit card account and never gave them their contact information. The texts being sent are as follows : They keep coming down in what it will take to resolve this. 
This message is from XXXX XXXX XXXX XXXX XXXX. 

We are willing to accept {$330.00} to resolve your Destiny MasterCard account originated by XXXX XXXXXXXX XXXX, which is now owned by XXXX XXXX XXXX XXXX, XXXX, for less than the full balance. 

We want to see you succeed, so we request that you review and take advantage of this offer by XXXX. We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. 

To view this offer, go to XXXX. If you have any questions, reply to this text or contact one of our representatives at XXXX. We have agents ready to respond during normal business hours. 

We are a debt collector. Click here for important disclosures XXXX XXXX XXXX. Reply STOP to opt out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... 
@ @ @ @ @ EQUIFAX/XXXX/XXXX @ @ @ @ @ XXXX XXXX XXXX XXXX : XX/XX/2018 Amount : {$580.00} ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 Amount : {$380.00} ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 Amount {$2900.00} ( Fraudulent Account )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had gotten an ( 350.00 ) store credit card from XXXX coat factory and I have been paying on this card only ( 350.00 in thier use ) I been praying them since ( XXXX or XXXX of this year 2021 and I just submitted a payment yesterday. So I decided to check my balance and I have payed this company at ( 180.00 on toward a 350.00 bill ) and I asked them why haven't my payments been going toward my monthly bills and they refused to tell me and told me they don't have too. That is a lie. I want my money or they must put it toward my bill. I only get items on this card no money so why isn't my payments deducted each payment date I am never late. I pay with my debit card. And they refused to sent my statement 's too my other address because they I never got a statement and I asked them why??? Now I see why because they been cheating Me and not applying my monthly payment to my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX  on XX/XX/XXXX 2. XXXX XXXX XXXX  on XX/XX/XXXX 3. XXXX on XX/XX/XXXX 4. XXXX  XXXX on XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX 7. XXXX XXXX on XX/XX/XXXX 8. XXXX XXXX on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX / TransUnion / XXXX reported the following derogatory marks Account Info XXXX  : late payments Education Loan/Opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX late payments Education Loan/Opened XX/XX/XXXX XXXXt : late payments Education Loan/Opened XXXX XXXX XXXX XXXX XXXX : late payments Unsecured Loan/Opened XX/XX/XXXXXXXX XXXX XXXX XXXX late payments Unsecured Loan/Opened XXXX XXXX XXXX XXXX XXXX XXXX : in collections Collection/Opened XX/XX/XXXX Guideline/Rights Violated 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Fair Credit Reporting Act ( FCRA ) : This federal law regulates credit reporting agencies and ensures that the information in your credit report is accurate. In your complaint, you can cite specific sections of the FCRA that have been violated, such as failing to investigate disputed information, failing to correct errors, or failing to provide you with a free credit report once per year.

Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 California Civil Code Section 1785.25 ( a ) New Mexico Statutes Annotated Section 57-12-3 ( B )
Product: Checking or savings account

My bank paid a check and I receive what appears a fraudulent attempt to collect the funds again with a hefty fee claiming insufficient funds.
Product: Money transfer, virtual currency, or money service

PayPal has {$2800.00} of my money in their account. They have placed limitations on my account. I have clicked through the resolution center and complied with what they are asking for. I have tried to use their messaging system. It is a bot. I left messages for the company but have not received a reply. I have called and waited on hold in excess of 2 hours. No one answers. I want my account freed so that I can collect my money that they have held for a long time. I believe they are making this purposefully difficult and that they must have some responsibility to reply to a customer whos assets they have locked and are holding. Please help.
Product: Debt collection

Convergent Outsourcing , Inc. was a company I had never heard of until I received a letter from that stating I owed them money from an old XXXX account that ended with me paying it off in full and leaving a {$0.00} balance. This all struck me as odd. Therefore, I kindly requested that they send me proof of the debt due to my family and my history of being a victim of fraudulent companies. Instead of sending me proof of the debt, Convergent Outsourcing , Inc. sent me a " fraud packet '' asking for my social security number, government-issued ID, and other personal information! I, therefore, decided to look into Convergent Outsourcing, Inc. more deeply. After all, I had never heard of Convergent Outsourcing, Inc. nor had I ever agreed to do business with them.

Therefore, I did some very basic Googling and quickly found that Convergent Outsourcing , Inc. is a company that recently underwent a class-action lawsuit for data breaches and failing to safeguard customers ' personal and sensitive information.

I am convinced that Convergent Outsourcing , Inc. is fraudulent. I told them via certified mail that if they are going to report the account to my credit report, they need to follow the law and provide me with proof of the debt that they claim I owe them. Yet they have failed to provide anything except demand me to provide them with my personal and sensitive information!
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I sent multiple letters to these companies involving following accounts XXXX XXXX, XXXX {$800.00} Acount # XXXX XXXX XXXX XXXX {$850.00} ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. Convergent Accounts # XXXX XXXX  # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX 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. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Items are being reported multiple times, even after I have them removed. 
My information is being sold to other debt collectors, who are harassing me for something that has already been paid off.
Product: Vehicle loan or lease

I applied for a auto loan at a dealership and 5th Third Bank denied my application. They took my application and gave me no equal Consideration as they have my Social Security number which is private and personal information that gives them access. to my trust account, that is attached to the all caps name. The XXXX XXXX .... I am the agent for the principal and I am the power of attorney for The dead entity corporate fiction, which can not speak, or write, or do anything but lay on a piece of paper. I know my '' XXXX given unalienable Bill of rights ''. and the second right on that list. is the '' right to contract, or not to contract, which is unlimited ''. These banks can't deny me my unlimited credit due to the.fact that the government has profited off my birth certificate bond through my Social Security number, and has made huge profits and gaines and I have been given nothing in return but pain and suffering from the stress not being able to provide for my family and I demand relief in this transaction and I'm attaching a adverse action letter that I sent to Fifth Third Bank. And got no response. I am sick and tired of these banks committing fraud on a daily basis and getting away with it. I work hard for my money and I need to have a vehicle to provide for my family and I can't have these banks standing in my way of my XXXX given rights I have a right. to be able to have a vehicle to get back and forth to work and to provide for my family. So I demand an immediate remedy to this.. So read the adverse action letter very carefully to see all the laws that they broke. And please demand that they give me remedy. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

STUDENT LOANS SERVICERS IGNORE PHONE CALLS, EMAILS AND ATTEMPTS TO REPAY THE LOAN EXCEPT IN FULL.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and incomplete information on my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ). After thoroughly reviewing my report dated XX/XX/scrub>XXXX XXXX XXXX, I have identified several discrepancies and accounts that I do not recognize. As such, I request that these items be promptly investigated and either corrected or removed from my report, as stipulated by Section 611 of the FCRA ( 15 U.S.C. 1681i ).

The FCRA mandates that consumer reporting agencies implement reasonable procedures to ensure maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ). Moreover, 15 U.S.C. 1681s-2 imposes a duty on information providers to refrain from furnishing data they know, or have reasonable cause to believe, is inaccurate. This provision further obligates consumer reporting agencies to promptly delete or modify any information found to be inaccurate or incomplete following a consumer dispute. 

Below are the accounts I am disputing due to inaccuracies, incompleteness, or because they do not belong to me : Accounts to be Investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you investigate these inaccuracies and provide me with a written response detailing the results of your investigation. Upon resolution, please send me an updated copy of my credit report reflecting any necessary corrections. 

Thank you for your prompt attention to this matter. Should you require further information to assist in your investigation, please feel free to reach out.
Product: Debt collection

The same debt has appeared on my credit report three times now ... the first two times it was removed, but this latest dispute was not deleted for whatever reason. I shouldn't have to dispute the same charge every year. 

Dispute # XXXX XX/XX/XXXX : Credence Resource Manage reported a debt of {$1400.00} from XXXX XX/XX/XXXX : A dispute I initiated with XXXX was resolved and this was deleted from my credit report as it was fraudulent/not my debt XX/XX/XXXX : XXXX, XXXX reported a debt of {$1400.00} from XXXX XX/XX/XXXX : A dispute I initiated with XXXX was resolved and this was deleted from my credit report as it was fraudulent/not my debt XX/XX/XXXX : Credence Resource Manage reported a debt of {$1400.00} from XXXX XX/XX/XXXX : A dispute I initiated with XXXX was resolved and NOT deleted from my credit report even though it's the same fraudulent debt
Product: Credit card or prepaid card

About one week ago my wife and I went to the local jewelry store in XXXX, IL called XXXX XXXX to see about purchasing an item. We were unsure if we could afford it, and the jeweler asked if we would like to check our credit to see if we could take out a loan with Wells Fargo that would cover the cost of the item. The jeweler said that it would not hurt our credit and that we would not be obligated to use credit after checking it. After giving the jeweler the information, we were told we were eligible for enough of a loan ( {$10000.00} ) to cover the item. We could not decide if we wanted the item at that time and told the jeweler so. We later discussed and decided to not purchase the item. Now, we have received a credit card in the mail of Wells Fargo XXXX XXXX with ( additionally ) the merchant name on the card of XXXX XXXX with a credit limit of {$10000.00}. We did not authorize or want a credit card, and this was opened against our will.
Product: Debt collection

Im making a complaint against XXXX XXXX XXXX XXXX For some reason this account ended up on my experian report Ive reached out to the company more than 3 times but the account the day belongs to me is not mine, I was homeless for the time they said I had the account. In 2018 I was completely homeless and jobless how did I get any service from this company. Around the same time me and my wife identity was comprised and I told the credit bureau experian this but this account is still hanging around. I am very concerned with the level of identity theft going on in our country right now let alone my state. I actually had my identity stolen before so I know for a fact that this must be the same thing. This account isnt mine and the creditor wont tell the credit bureau experian the truth, its not mine and needs to be removed
Product: Money transfer, virtual currency, or money service

I was scammed of {$1300.00} by someone on XXXX because they posted an apartment for rent claiming to be the landlord. He took all of my information like social security number, where I live, and how I look like. I contacted my bank which is US Bank and they declined my claim that I put to get my money back because apparently my insurance through my bank doesnt cover fraud which I had no clue because most banks like XXXX  XXXX XXXX does. I filed a police report and requested a new claim with my bank again. I dont know what else to do to get my money back. Please help me out, thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Dear Credit Reporting Agencies , I am writing to formally dispute the accuracy of information reported on my credit reports regarding an account with XXXX XXXX account number XXXX According to my records, this account is currently being reported as XXXX  days late for the months of May and XXXX. I believe this information is inaccurate and violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, Section 602 ( a ) ( 1 ), consumers have the right to obtain accurate and complete information in their credit reports. The reporting of a charge-off account as 120 days late when it should not be is a direct violation of this provision. Additionally, Section 623 ( a ) ( 1 ) states that furnishers of information must not provide inaccurate information to consumer reporting agencies. As such, I request that you investigate this matter and remove or correct the inaccurate reporting.

Furthermore, under FCRA Section 609 ( e ), I am entitled to request additional documentation supporting the accuracy of this reporting. If the creditor can not provide sufficient evidence that the account is accurately reported, I demand that this misinformation be removed from my credit report. 

In addition to the FCRA, the FDCPA prohibits the furnishing of misleading information. Section 807 ( 2 ) ( A ) explicitly states that a debt collector may not indicate that a consumer owes any debt unless such a debt is made known to be owed. The reporting of this account as XXXX days late may mislead potential creditors about my creditworthiness.

I have attached supporting documents, including my credit report with the disputed account highlighted, and any relevant correspondence with the creditor. I request that you complete your investigation within the 30-day time frame mandated by the FCRA and provide me with a written response detailing the results of your investigation.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX