23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Thr XXXX  suggested I file a complaint here against my student loan " servicer '', Ascendium who took my student loans in 2019. They offset my taxes of {$5700.00} & told me they gave it to a company, new mexico but it's not on any statement. Now they direct me to XXXX  or XXXX XXXX  to resolve any issues since my loans are in default. According to fafsa, national system data site- my servicer is ascendium & NOT these other companies. I mailed paperwork, they claim not to have received & continue redirecting me. They removed themselves from my credit reports for XXXX  &  XXXX. I have contacted ascendium, fafsa, dept of edu, complained, ombudsman 's offices everywhere, XXXX   credit agencies etc. They still claim not to be my servicer so I can not resolve my loans, my offsets, I'm in default, it's nearly tax time again & I still dont have a servicer after 11 months!!! I have piles of paperwork & supporting documentation.
Product: Credit reporting or other personal consumer reports

Advance America falsified the dates of the loan. I put in a dispute with the credit bearau in which they did an investigation and it was removed from my credit report. 
Then Advance America reported it again this year but this time they made the dates more recent. When I disputed it again the credit bearau reported it as accurate. Even though it clearly showed that the dates were changed to fit within the statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX has had this information since XXXX and still wont remove the account and ignored the FTC identity theft report. 

XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX I have filled litigation and arbitration against XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I represent a client, XXXX XXXX XXXX, account no. XXXX. Her loan was transferred to Selene Finance from XXXX  XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the Vermont HAF program sent {$33000.00} to XXXX  XXXX XXXX to reinstate XXXX XXXX 's account. However, those funds have not yet been applied to her account and is still showing as delinquent. On XX/XX/XXXX, XXXX, XXXX XXXX called Selene Finance and was informed that her account is now showing as past due {$37000.00}. I am attaching the V-Record from XXXX confirming that the reinstatement amount good through XX/XX/XXXX was {$33000.00} and the B-Record showing that the Vermont HAF program disbursed {$33000.00} to XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX applied to XXXX XXXX 's account. Further, I am attaching an online statement from XXXX  XXXX XXXX showing that as of XX/XX/XXXX, the reinstatement funds had not yet been applied to the account. 

XXXX  XXXX XXXX and Selene Finance have failed to properly apply the HAF funds to XXXX XXXXXXXX XXXX account. Her account should be showing as current and due for the XX/XX/XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian XX/XX/XXXX, 2022to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint XXXX, and I'm including it again. 

XXXX XXXXXXXX XXXX  XXXX
Product: Mortgage

This complaint is about the rash actions of Mr. Cooper, my mortgage company of several years. My account number with them is XXXX. 

In XX/XX/year>, when I was dealing with grave family health matters, Mr. Cooper sent notification that due to tax adjustments, they were increasing my monthly payment by roughly $ XXXX. Fine. However, I for got to make that slight increase to my online banking queue, so the XX/XX/year> payment went out for the old amount. Honest mistake, because I am dealing with grave family health issues and work. 

Turns out that Mr. Cooper placed me into default status - despite receiving a timely mortgage payment of {$3200.00} ( pre-adjusted amount ) - because it was short the {$510.00}. Instead of applying what I sent they opted to place the slightly short payment in a holding account for some reason which caused the default. I do not understand how one can be placed in default for less than {$200.00} in XXXX month. That seems predatory. Also, they opted to place my ( slightly short ) payment in a holding account. Seems like it would have been smarter to apply it. Now I have a ding on my credit rating. 

I would like the ding on my credit report to be removed and I want to elevate potentially predatory practices by this lender.
Product: Mortgage

I was assessed a {$46.00} recording fee upon payoff of the home equity line. 
Per the agreement signed in 2007, all fees have been marked as being paid by XXXX ( Wells Fargo merged with XXXX at a later date ). Furthermore, at the time of the loan origination, a XXXX representative stated all fees/charges would be paid by the bank. 

The charge of {$46.00} taken upon pay off directly contradicts what is written in the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Credit reporting or other personal consumer reports

To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$840.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Credit reporting or other personal consumer reports

BMW financial services reported that Im more than 30 days late when Ive never been late with a payment.
Product: Credit reporting or other personal consumer reports

Good day this is requesy to dispute negative itme reported by Wells Fargo on mu consumer report at XXXX XXXX XXXX
Product: Mortgage

My original loan was with XXXX XXXXXXXX XXXX and was given to Dovenmuehle back in XX/XX/XXXX without notice. During the conversion. I was approved for a deferment from XXXX which they did not communicate to Dovenmuehle. Also I have been paying my own property taxes for over 10 years they did not inform Dovenmuehle this either. I received a letter from loss mitigation at Dovenmuehle about owing the money that was originally deferred through XXXX and I sent them paperwork confirming the deferment back in XXXX. I was told they will research it and follow up with me and I never received a call or letter. Also, I requested to have my property taxes removed back in the beginning of XXXX because I've always paid them. I even sent in proof of this for the last ten years. I was told I would get a letter with a determination of that, which I am still waiting on. I received a grant in XXXX of XXXX which they took and decided to apply it to the deferment without investing the issue, and now they will not remove the property taxes or even respond. They also stated in XXXX that my next payment will not be due until XX/XX/XXXX but I call and they state i owe a payment for XXXX of {$800.00} which i never received a letter for showing proof of that. Also, they are charging me {$500.00} dollars a month in my mortgage for property taxes, and my taxes only add up to about $ XXXX yearly. I've called multiple times and there has been no solution, just excuses and long wait times. I feel like this company is a rip off and if you check the reviews anywhere on this company, they are all negative and someone needs to look into this company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. U.S Bankruptcy court Account # XXXX XXXX XXXX XXXX Account # XXXX Inquiry : XXXXXXXX XXXX Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX Inquiry XXXX XXXX XXXX Date of Inquiry : XXXX Inquiry : XXXXXXXX XXXX  Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX Inquiry : XXXX XXXX  Date of Inquiry : XXXX Inquiry : XXXXXXXX XXXX Date of Inquiry : XXXX Inquiry : XXXXXXXX XXXXXXXX Date of Inquiry : XXXX Inquiry : XXXX Fcu Date of Inquiry : XXXX Inquiry : XXXX Date of Inquiry : XXXX Inquiry : XXXX Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX 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 state a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crime 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a XXXX transfer from my Bank of America account. 
On XX/XX/XXXX I received and email saying the transfer was on hold because it was being investigated. They told me to call a number provider within 15 days. I called immediately. I was told my transfer was being investigated due to the description. I was asked if I was sending money to XXXX, which I let them know I was not. I stated the money was for fundraising for a funeral of a family friend who passed away in XXXX, Florida. The agent proceeded to tell me that the investigation would take XXXX to XXXX days and that when the funds changed from processing to deducted from my account it meant the investigation had been completed. 

That very night, XX/XX/XXXX, the funds changed from processing to deducted. Yet, the recipient has not received the funds and it has already been XXXX days. 

I called Bank of America today and they completely changed their timeline. They are saying they have no timeline for this investigation. 

I asked that they place the money back in my account and they refuse to. They have been holding on to my {$300.00} for over XXXX days now and I needed this money to go into my family friends bank account immediately so she could help pay for funeral services.
Product: Checking or savings account

This complaint is about Wells Fargo, They've been telling me my account would be closed by XXXX and now the date changed to XX/XX/XXXX ... today after waiting on hold for well over an hour with the Executive office i was told i was wrong and it was stated to be closed on XX/XX/XXXX. This was NEVER communicated to me. 


When i spoke to XXXX XXXX on XX/XX/XXXX, he informed me " As soon as the wire recall is cancelled we could close this the same day. 

this was false, XXXX cancelled the wire recall over a week ago from today ( XX/XX/XXXX ) and wells fargo is still telling me my account is unable to be closed and transferring me to the fraud department. 

this bank has been holding my account at its mercy for a month now, it is now time to seek legal counsel and file OCC complaints if my continued complaints keep resulting in no action. 

Account # XXXX best regards, XXXX XXXX.
Product: Credit card or prepaid card

Ordered a drone through XXXX on XX/XX/XXXX for {$2600.00} and when the package arrived, the box was empty. I promptly notified XXXX and was instructed to return the empty boxes, which I did. When they received the boxes they stated the boxes were empty, to which I reminded them that it arrived empty. They said that their seller refused to issue a refund and that XXXX would process some kind of A-Z guarantee, but now they say it is my problem. 

Long and short, I did not receive what I ordered and paid for, XXXX states a refund is approved but has never been issued, therefore I would like to place this item in dispute and request you refund my money. 

Notified Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to no avail, which is why I am filing a complaint with you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report for the third and final time. Despite my previous two attempts, you have failed to rectify these errors. This letter serves as my formal demand for the immediate removal of the disputed information, as mandated by law. 

Legal Basis for Dispute : Fair Credit Reporting Act ( FCRA ), Section 611 : Under the FCRA, I am entitled to dispute any inaccurate information on my credit report. The credit bureaus are legally required to investigate and correct or delete inaccurate information within 30 days. To date, you have not complied with these requirements. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : The creditor agencies involved have engaged in unlawful practices, including harassment, false representations, and other violations. These practices not only violate the FDCPA but also undermine the integrity of the credit reporting system.

14th Amendment, Section 4 of the U.S. Constitution : This amendment asserts that the validity of public debt authorized by law can not be questioned. Any actions that misrepresent or question the validity of debts on my credit report are unconstitutional and must be rectified immediately. 

Demand for Action : Given the legal framework outlined above, I demand the following actions : Immediate Investigation and Removal : You must immediately investigate and remove the inaccurate information from my credit report. This includes all entries that are not consistent with valid records. 

Cease and Desist Unauthorized Practices : The creditor agencies must cease any unauthorized or unlawful practices related to this debt, including but not limited to selling, collecting, or making false representations of the debt. 

Notice of Further Action : If the inaccurate information is not corrected and removed from my credit report within the next 15 days, I will : File a formal complaint with the Federal Trade Commission ( FTC ) regarding your non-compliance with FCRA and FDCPA requirements. 
Consider legal action, including arbitration, to enforce the deletion of this information and seek damages for the harm caused by your negligence and non-compliance. 
This letter serves as a formal notice of my intent to pursue all available legal remedies should this matter not be resolved promptly. I expect confirmation of receipt and detailed information on the actions you are taking to comply with this demand. 

Thank you for your immediate attention to this urgent matter. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$880.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$880.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF M

Y CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF R
EPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the negative accounts currently being reported on my credit file. I have recently been informed that my personal information may have been exposed in a data breach, potentially leading to identity theft and unauthorized activity on my credit report. As a result, I am requesting an immediate investigation into the following accounts, which I believe may be fraudulent or compromised : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Due to the possibility that these accounts were fraudulently opened or manipulated as a result of the data breach, I demand full validation in compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Original contract was not correctly drawn, the car deal removed my daughters name off the car to get qualified without my knowledge. I was only the co-signer. They knew she would not qualify so the removed her and only ran the application with me on it without her and thats fraud. I contacted the agency and the said I was the only person on the contract. It was never just my car. The care belonged to her. The advised me that if I paid XXXX cash they would remove account. The guy send another deceitful letter and took my XXXX and applied it a payment and not a settlement. Again fraudulent. This company XXXX XXXX / bridge crest need to be investigated. Im sure Im not the only person they frauded
Product: Credit card or prepaid card

I've been getting notice from Exxon card through Citibank that my payment was due. So I'd get on my account and pay direct from my bank. I was setup for autopay but assumed if payment had been made it wouldn't be taken out again. On their FAQ sheet it specifically states that if you make a payment and then autopay is withdrawn, the account will be credited. I see I've been double charged for XXXX a {$140.00} on XX/XX/XXXX, then autopay of {$130.00} on XXXX XXXX {$60.00} on XX/XX/XXXX then autopay of {$60.00} on XXXX XXXX I may have been charged 4 times, {$110.00} XX/XX/XXXX, {$34.00} XX/XX/XXXX, {$33.00} XX/XX/XXXX and {$33.00} XX/XX/XXXX. I called to sort this out with an agent. I ended up getting a supervisor " XXXX '', wouldn't provide last name. I asked that my account be credited. She said she wouldn't that I need to dispute the charge. This despite being contrary to their written guidance as to overpayment supposed to be credited to account. I may well have been overcharged for previous months as well but they delete that information from their site. This nothing short of criminal.