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

I had 2 loans through this company one opens XX/XX/2023 which was paid off and closed XX/XX/2023 and another loan opened XX/XX/2023 and closed XXXX. Both were completely paid and closed, yet the company was still reporting as opened and full balances. I have been disputing this loan from XXXX since XXXX and the loan from XXXX I have been disputing since XXXX. Once disputed all credit agencies then adjust it, only to have xact loans ( which reports under XXXX on my reports ) come behind and report account as reopened or having a balance repeatedly for the past 5 month ever single time its fixed they come back after to report negatively and inaccurately. I feel they are doing this to make me ineligible for other loans at better interest rates and force me back into 134 % interest loan with them! They currently are reporting a loan closed in XX/XX/2023 is closed but has a full balance, when it was just fixed correctly 2 weeks ago, they have caused me thousands of dollars by forcing my home loan to be pushed back months please take action against this company.
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 U.S.C 1681. 

XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT/EDXXXX Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX Account XXXX : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT ED/XXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF ED/XXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX These accounts have violated my rights as follows : - 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

- 15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 

- 15 U.S.C 1681 c. Section ( a ) ( 5 ) States that no consumer reposting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

- 15 U.S.C 1681-2 ( A ) ( 1 ) States that 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: Vehicle loan or lease

In XXXX, I was made aware that Condor Capital had been forced to close their offices in XXXX due to predatory loaning practices. I then received a bill from Condor Securitization Trust, and was told to make my payments to them. In XXXX I began to suffer financial hardship as I found myself homeless due to unforeseen circumstances and began falling behind on payments. In XXXX I decided to move out of state and voluntary-surrendered my vehicle and this is where all of the frustrations began. After surrendering my car on XX/XX/XXXX, the company could not tell me the status of my vehicle. I requested further information on the location of my vehicle and never got one. They could never provide me with further information and every time I called I was n't given proper information. My car was auctioned off and I did not receive a notice of sale until after the sale was made in the amount of {$2500.00}, leaving me with a balance of about {$11000.00}. After covering the repossession fees only {$1500.00} of the sale was put toward my loan. I finally found work and wanted to begin making payments toward my loan. Since I had n't heard from the company I decided to reach out to them to try and work out a payment arrangement that was less than {$380.00} as I 've just started working and took a reasonable pay cut because of the area I moved to. They proceeded to tell me there was nothing they could do. I asked to be transferred to a legal department or collections department and was told they could n't do that. I was told I could make payments online and that my account was fine. When I went online, and tried to make a payment the site said I could not make a payment with a credit or debit card and needed to call them back. So I immediately call them right back and was transferred to this woman who claimed that my account had miraculously been transferred to the escalation department ( in the matter of 10 mins. ) and that i could only make payments via XXXX XXXX or XXXX XXXX. Then as I reviewed my account it says that my last statement created was inXX/XX/XXXX, but they claim they 've tried to get a hold of me to make payments, but I updated my account information with them when I moved and never received anything from them. Then the website says the last payment made on the account was onXX/XX/XXXX, but they claim I am 108 days late on making a payment. I am frustrated and feel as though something sketchy or unfair is taking place because the company can never give me a straight answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

1

5 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX 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 - in accordance with the Fair Credit Reporting act 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 - in accordance with the Fair Credit Reporting act 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 - in accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX Balance : {$1100.00}.
Product: Debt collection

REQUEST FOR XXXX  XXXX XXXX TO PRODUCE UNREDACTED FIRST XXXX XXXX  BILL, NOTE, STATEMENT, PAST DUE NOTICE FROM SERVICER AND CURRENT UNREDACTED XXXX  XXXX  XXXX XXXX XXXX  BILL, NOTE, STATEMET, PAST-DUE NOTICE FROM THE SERVICER, AKA " THE NOTE FROM XXXX XXXX XXXXXXXX XXXX XXXX 
THE XXXX XXXX XXXX XXXX  REQUESTS THIS INFOMRATION TO HELP THE CURRENT OWNER FOR THE LAST 15 YEARS WIHT FEDERAL COVID HELP TO KEEP HER HOME. XXXX XXXX  IS COLLECTING THE OLD DEBT BUT AGAINST FDCPA THEY ARE NOT PROVIDING THE NOTE O F XXXX TO VERIFY THE DISCHARGE OR ACTUAL PAID IN FULL OR OUTSTANDING OF THIS DEBT AND ARE COLLECTING FROM THE WRONG PARTY XXXX. Attachment and enforceability of security interest ; proceeds; supporting obligations; formal requisites. 
( a ) A security interest attaches to collateral when it becomes enforceable against the debtor with respect to the collateral, unless an agreement expressly postpones the time of attachment. 

( b ) Except as otherwise provided in Subsections ( c ) through ( i ) of this section, a security interest is enforceable against the debtor and third parties with respect to the collateral only if : ( XXXX ) value has been given ; ( XXXX ) the debtor has rights in the collateral or the power to transfer rights in the collateral to a secured party ; and ( 3 ) one of the following conditions is met : ( A ) the debtor has authenticated a security agreement that provides a description of the collateral and, if the security interest covers timber to be cut, a description of the land concerned ; ( B ) the collateral ( B ) the collateral is not a certificated security and is in the possession of the secured party under Section 55-9-313 NMSA 1978 pursuant to the debtor 's security agreement; ( C ) the collateral is a certificated security in registered form and the security certificate has been delivered to the secured party under Section 55-8-301 NMSA 1978 pursuant to the debtor 's security agreement; or ( D ) the collateral is deposit accounts, electronic chattel paper, investment property, letter-of-credit rights or electronic documents, and the secured party has control under Section 55-7-106, 55-9-104, 55-9-105, 55-9-106 or 55-9-107 NMSA 1978 pursuant to the debtor 's security agreement
Product: Debt collection

They refuse to make an arrangement with me. 
They will not discuss other options to help me get this paid. 
They assume i can only pay XXXX a month when we have not went over a budget. 
They are very rude by telling me they cant help me and more than XXXX occasion hung up on me. 
XXXX told me several times she will not work with me and she will not take my payments. 
XXXX told me to send in my payments. 
They have bad communication skills. 
They treat me badly when I just want to pay my debt.
Product: Debt collection

XX/XX/XXXX I was sent a lawsuit of {$2700.00} to be garnished from my wages due to a hospital bill with {$130.00} towards court costs. I was told via payroll that my garnishment was paid in full in XXXX. I was then sent another lawsuit for the same cause number & judgment amount on XX/XX/XXXX stating a owed post-judgement interest to date & ADDITIONAL court costs of {$1300.00}. I was told it took 2 years due to COVID 19. I feel as if this LLC COMPANY is practicing unfair debt collections accumulating interest on an original judgment amount that was already being garnished. Also do not see how something that took two years on their end can continue to " accumulate interest ''. Not to mention the original & second copy of the lawsuit has a social security number which is not even mine, it is my mothers when I was well over the age of XXXX so she would not have taken me or signed for me.
Product: Mortgage

To Who m It May Concern, Re :  loan number  XXXX  wit h Wells Fargo, I have sent a certified letter to Wells Fargo  on  XXXX   XXXX  and they have received it a   XXXX   after. In my letter I advised them that I have, at least   XXXX   times, calle d (   XXXX  ) and e-mailed to the commercial servicing as advised in the notices about the insurance matter since  XXXX . One time on  X/X/XXXX  I spoke to a man which I forgot to ask for his name who said everything looked fine, the other time I spoke to a lady name  XXXX . And my insurance agent  XXXX  called and spoke to a man name  XXXX  because I kept  receiving notices stating I owed mone y to Wells Fargo du e to the fact I do n't have insurance ther efore Wells Fargo force d to purchase one for me. This issue seemed to be a problem every year when I renew my insurance for this loan number on property located at  XXXX   XXXX  &amp;  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Ca.  XXXX . I have renewed insurance on this property in  XXXX   XXXX  under policy number  XXXX  with  XXXX   XXXX   XXXX  for  XXXX   XXXX   XXXX   XXXX  and policy number  XXXX  with  XXXX   XXXX   XXXX  for  XXXX   XXXX   XXXX   XXXX . These policies will be expired in  XXXX   XXXX . My insurance agency is :  XXXX   XXXX   XXXX   XXXX   XXXX , phone number  XXXX  has provide d Wells Fargo wit h both policies on  X/XX/XXXX . Regardless, I kept receiving letters showing current insurance due of { XXXX } is due  XXXX   XXXX . My question is, why would they have to buy insurance for me while I already bought mine and my insurance, just like in the last  XXXX  years, provided to them? why did n't they get back with me or my insurance agent as they said after many of my phone calls, my insurance agent phone calls and emails? and kept sending notices stating they will have to buy insurance for me? when I sent them the last letter I also attached with it copies of my policies, and asked them to get back with me. They never did. Instead send me a new bill for the insurance. I 'm very frustrated w ith Wells Fargo. This lend er is really a worse lender and unethical conduct, unscrupulous and no professionalism.   Please give me your hand, please help me.   Thank you very much.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca.  XXXX   XXXX  XXXX  XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I, XXXX XXXX XXXX, tendered a payment in the amount of {$3000.00} for the account in the principal name XXXX XXXX ( ACCT # XXXX ) along with supported documents which were sent to AMERICAN EXPRESS XXXX XXXX and XXXX XXXX XXXXoing business as the CFO of AMERICAN EXPRESS to allow the financial institution another chance to act in honor. The correspondence was in fact received and the green receipt was signed and returned. ( See returned green receipts ) On XX/XX/2022 AMERICAN EXPRESS opened a dispute on my behalf because they could not locate the payment ( Reference Number XXXX ) and sent me an email on XX/XX/2022 requesting documentation to support my claim ( see email ). In response to this correspondence, on XX/XX/2022 I sent by fax to AMERICAN EXPRESS my endorsed bill, notarized letter of instruction, notarized power of attorney and state driver license. ( See Fax receipt ) On XX/XX/XXXX, I received another correspondence stating that the documents were not received and that the investigation was closed. ( see XXXX XXXX correspondence ) AMERICAN EXPRESS agreement under the section how to make a payment, states that they accept negotiable instruments as a form of payment ( see agreement pg XXXX ). Pursuant to UCC 3-104, AMERICAN EXPRESS issued a negotiable instrument to the principal XXXX XXXX with a purpose of giving rights on the instrument. As the holder of this instrument I am accepting the {$3000.00} credits and giving instruction to transfer them to the bearer in order to XXXX  out the account. AMERICAN EXPRESS has continued to lie and create false information numerous of times which has caused me to not be able to use my card due to this outstanding balance that I have in good faith tried to tender payment for since XXXX. This is my last attempt to request for XXXX XXXX dba CFO of AMERICAN EXPRESS to apply the tendered negotiable instrument that was sent in to be applied to my principal balance or I will move forward with law suit actions.
Product: Student loan

Our son applied for a XXXX school and needed us to co.sign on his second loan. He went back to school after graduating and then had to put on hold again.After many times trying to reduce the loan for him to afford for a struggling student they would n't accommodate it..he wanted to pay but could n't afford what they described so we as parents had to step in to help with the payment.we called to at one time having some extra money to repay the loan at a lower rate but they told us they do n't do that ..which was opposite of what we had researched about repayment. 
Our son joined the military and wanted to have it changed into his name for repayment .I did n't go to the school he did and now because we 're co.signers we are responsible for his debt. We are retired and it is a financial difficulty ..paying on his loan is a monthly responsibility so as not to damage my credit score. 
What if anything can be done to help with this situation. 
Thanks for taking time to hear a little of our dealings with Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company informed me that they had a security breach and that they were willing to check if my account was affected. I decided to check if my account was indeed affected and entered my information. Without my consent and without informing me of this action, Equifax decided to enroll me into a program with no way to opt out. All of this occurred on XXXX XXXX, 2017 on the website https : //www.equifaxsecurity2017.com.
Product: Credit card or prepaid card

I filed my unemployment after waiting months my unemployment come in a there was XXXX ony card after activating my card I see my money was going fast I didn't know y I got online see all kinds transfer an money coming out stuff I didn't know what it was I called an cancelled my card an filled a report on my card they told me that it would be fixt in a few days 30 days at the longest it's been 6monthes an still it had not been took care of that I needed that money that was stolen from me very bad since I never got. Back the was stolen it hurte bad very bad maybe y'all, can helpe
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 {$15000.00}, {$6200.00}, {$3100.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The month of XXXX my XXXX XXXX was XXXX with Experian, was very happy never been that high before. Then XX/XX/XXXX Experian took my score down XXXX points ( XXXX ) stating that the received information from XXXX XXXX  XXXX  that I was terminated from the Account. 

I reached out to XXXX XXXX  XXXX and they advised that my account has never been closed and to date I have never missed a payment since XXXX. I am an authorized users on this card with my husband and they advised they never provided that information. 

I then reached out to Experian again about the incorrect information the is stopping me from getting house because of this. Experian requested that I email my accounting showing that it was closed which I did, as they said on their report it showing it open but in reality that is not correct. I have excellent on all my credit cards have never missed any payment in over 6 years or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : I paid this account with cash, In Full at the XXXX XXXX @ XXXX XXXX location in XXXX, Tx. Several years ago, I handled this in person and was promised it would NOT be a derogatory item on my credit report, thereafter. 

I am trying to buy my first home, and this needs to come off of my credit report ASAP. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX To : FactorTrust , Inc. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On today I spoke with XXXX who said he was a special handling supervisor for Experian. I explain to XXXX that their are inquiries that are connected to my report that does NOT belong to me. She was very rude and stated " what do you want me to do about it ''? That I needed to contact the creditors because it is not their job to correct theses errors. I explained to him that I have been going back and forward about this between Experian and the creditors and no one seems to be able to assist me with this issue. His response once again was " What do want me to do and are you done ''? Along with a CH. XXXX that continues to show on my credit which was removed and placed back.