23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern ; It was recommended that I file a complaint with the CFPB after filing a similar complaint with State of Minnesota - Office of Attorney general. 

My complaint is as follows : - I am reacting to an eviction notice that was taped to my front door on XX/XX/XXXX ( ... ..I am told this was the tail end of the loan foreclosure redemption period ; leaving me only a couple hours to address officially ... ) It was in my meeting with a lawyer the next day that revealed all this was indeed pertaining to a 2nd loan ( the 20 % of an 80/20 loan ) from Countrywide. 
XX/XX/XXXX - XX/XX/XXXX : -Bank of America took over the loans when Countrywide folded. The recession hit, and I applied for Loan Modification. While going through Loan Modification ( MHA ) in XX/XX/XXXX, I was instructed to stop paying both loans, given trial payments, and eventually signed paperwork for a single loan which remains current to this day, not having missed a single payment. 
The 2nd loan was apparently left in the wind, going unreported to credit bureaus, allowing me to apply for and receive credit cards ; and more recently ( XX/XX/XXXX ) - to purchase a brand-new car on a loan with my credit @ 750+ and no mention of a foreclosure. It has apparently changed hands several times until an investor purchased the loan, and started foreclosure in XX/XX/XXXX the redemption (? ) period has also been allowed to run out all unbeknownst to me. 

Being in good standing on my current loan over the years since I went through Loan Modification ( MHA ), I have resisted all attempts by anyone attempting to give me information ( papers, etc.. ), or try to convince me that there was a foreclosure directed at my property, because there has been no indication from Bank of America they have been taking my payments for 8 years since the loan ( s ) were addressed in the XX/XX/XXXX modification. The people who turned up at my door ( I think there were 2 occasions ... .. between XXXX and XXXX at night ) were unable to convince me that my home was in foreclosure ; more importantly they absolutely did not articulate that this had to do with the old 20 % 2nd mortgage. 

The company that now holds the title to the property is " XXXX XXXX XXXX XXXX '' - I was advised by MN Attorney General 's office to file this matter with OCC ; I have given MN AG authorization to contact Bank of America, and we are waiting to hear back from them. 

The Eviction proceeding, from a company called XXXX XXXX XXXX XXXX ( apparently a single individual who lives in California, and has no license to service loans in Minnesota ) was put into continuance until XX/XX/XXXX. XXXX hold the title to the property through a foreclosure that took place without my consent or formal knowledge. 

-please send along any applicable recommendations - I am not aware of my rights in this entire situation. 

-thanks for your attention to this matter.. 

-all the best, XXXX XXXX XXXX XXXX , MN XXXX
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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. DEPARTMENT OF EDUCATION ACCOUNT # XXXX XXXX. XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPARTMENTS OF EDXXXX  ACCOUNT XXXX XXXX XXXX. XXXX XXXX  ACCOUNT XXXX XXXX. XXXX XXXX XXXX CLOSED ACCOUNT XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is making me very angry. The consumer reporting agency is INTENTIONALLY ignoring my claim and disregarding my rights. The agency is disregarding my rights purposely because they are saying my claim is to " verify '' or " validate '' accounts when I'm actually pointing out their unlawful practices. Transunion is reporting transactions and experiences which is against the law. The agency is also reporting items that are the result of a credit card. Please note, the instruments that I presented are the reason why they reporting agency is in violation of the laws and they are not allowed to look beyond me exercising my rights. Transunion also didn't respond to my request of the description of the procedures of the investigation because the agency did NOT investigate. The agency deleted accounts from my report because an actual HUMAN looked into my rights so that is proof Transunion broke the law several times and is getting away with criminal activity. You have a duty to remain compliant and not do what you want to do.
Product: Vehicle loan or lease

XXXX XXXX XXXX, in XXXX XXXX Florida scammed me into a bundle that I did not need I was told with or without what they put on there I was to end up paying the same amount which left me no choice but to get the one that said it would be a better person for me and cheaper, but it turns out that was not the case at all they ended up borrowing more money from the bank for my loan the finance guy told me with a bundle I would end up paying way less interest, but never told me I would be borrowing more money instead originally it was supposed to be for XXXX and change the ended up borrowing {$53000.00} and change after looking at my contract I noticed thats what they did I went back and asked them to remove the surface protection, exterior protection, and the key replacement that they added to my plan a new finance manager told me they were not able to remove it, and even if they did, it would not make any difference. I told him OK nothing was ever added to my car because I purchase my car late at night and all the departments was already close he tried telling me that they added the surface protection even before I took my car home so I asked him how come I was charge for some thing that was already put on before I purchased it he had no answer for me. He simply told me that it can not be removed from my loan because I already signed for it. These finance managers are crooked. They should be ashamed of themselves taking advantage of people like that, and drowning them in debt thats was not necessary but is good for their gain
Product: Credit reporting or other personal consumer reports

This is my follow up complaint. I have noticed that an inquiry and inaccurate information persist on my credit profile. Previously, I requested that you conduct an investigation into the inquiry on my credit report to determine its authorization. I understand that your investigation has concluded and supports my assertion. Therefore, I kindly request the expungement of this lingering inquiry and inaccurate data. Additionally, I request updated copies of my credit reports devoid of these remaining items. Below are the details of the disputed items : 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 XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX, CA XXXX. It is crucial to note that these disputed items do not pertain to any transactions initiated or authorized by myself. In accordance with the Fair Credit Reporting Act Section 605B ( a ), you are mandated to remove any items opened without my knowledge, consent, or authority within four business days. This removal necessitates suitable proof of consumer identity, an identity theft report copy, consumer identification of the disputed information, and a statement attesting that said information does not pertain to any transactions by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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 XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy. 15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file.
Product: Debt collection

On XX/XX/XXXX I wrote a check to XXXX and it was cleared through their system that the funds were available, as I was getting a {$3000.00} loan to cover the check that I was writing for {$2500.00}. I attempted to logon to their site to set up a payment plan to settle this, however it didn't work. I then e-mail saying my account was showing invalid. Today, XX/XX/XXXX, I was called by them, they have been calling me daily about 10 times per day, and I answered. During the conversation I was told that I had to pay the full balance in 48 hours or charges were going to be pressed and I had knowingly written a bad check, however I continually stated this was not that case and I had and could prove I had loan documentation to prove that the money was to be in the account. 

After several back and forth statements, he finally said if I do not make a payment by Tuesday XX/XX/XXXX then I will be reported to the local law officials. 

This is not fair and very threatening as I was not defrauding them.
Product: Money transfer, virtual currency, or money service

There is so many that we don't know all the dates and amounts but there is several... And it is XXXX  of dollars we need refunded back to our bank account they have taken out fraudulently .... And removed from our credit report! But our daughter took our identity and opened these accounts and she has now sadly passed away XXXX XXXX XXXX XXXX, but we had no knowledge of any of this she was doin to us! Cause we would prosecute her for this, we have before! 

We was told an investigation was done, they was sorry about our daughter, but we was responsible, even after I told them we knew nothing of this nor gave permission of this and it was Identity Theft and Fraudulent
Product: Debt collection

Ally sent me a bill statement in the mail XXXX saying i owe a alleged debt of XXXX. I sent them a letter back XXXX telling them that they claim is disputed also asked them for validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Ally did not respond to my letter keep sending bill statements. Also Ally put this on my Credit profile which is damaging my credit and hurting me as i try to apply for a house.
Product: Credit reporting or other personal consumer reports

I have names and addresses that does not belong to me on my credit report. 

The name XXXX XXXX is on my credit report which is NOT me. 
Address other than XXXX XXXX XXXX XXXXXXXX, GA XXXX are also on my credit report which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inconsistencies on the credit report for the XXXX account : Upon comparing the credit report data from the three credit bureaus for Account # XXXX, the following inconsistencies can be observed : Account Type - Detail : XXXX and XXXX both report the account as a " Credit Card '' whereas Equifax leaves the field blank. 
XXXX XXXX : All three credit bureaus report the bureau code as " Individual. '' No. of Months ( terms ) : XXXX reports the number of months as " 0 '' whereas XXXX reports " 1 '' and Equifax leaves the field blank. 
XXXX XXXX : All three credit bureaus report a credit limit of " {$0.00}. '' Payment Status : All three credit bureaus report the payment status as " Collection/Chargeoff. '' Last Reported : XXXX and Equifax report the same date of last reporting ( " XX/XX/XXXX '' ) whereas XXXX reports a date XXXX day later ( " XX/XX/XXXX '' ). 
Comments : XXXX and XXXX report that the account has been charged off as bad debt, whereas Equifax does not include this comment. 
XXXX reports that the account was canceled by the credit grantor, whereas XXXX and Equifax do not include this comment. 
Equifax reports that the account was closed due to inactivity, whereas XXXX and XXXX do not include this comment. 
XXXX reports that the unpaid balance was reported as a loss by the credit grantor, whereas XXXX and Equifax do not include this comment. 
All three credit bureaus report that the account has been charged off. 
XXXX Payment History : XXXX does not include any payment history. 
XXXX reports the following derogatory remarks : " CO '' ( charge off ) for the months of XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, " 150 '' for XX/XX/XXXX, " 120 '' for XXXX and XX/XX/XXXX, " 90 '' for XX/XX/XXXX, " 60 '' for XX/XX/XXXX, and " 30 '' for XX/XX/XXXX. All other months are reported as " OK. '' Equifax XXXX " OK '' for all months except for " 120 '' for XXXX and XX/XX/XXXX, and " 90 '' for XXXX, XXXX, and XX/XX/XXXX. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ) : Section 1681e : This section requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in a consumer 's credit report. The inconsistencies in the XXXX account violate this section by presenting conflicting information across the three reports. 

Section 1681i : This section requires that credit reporting agencies investigate disputed information and correct any errors within a reasonable time frame. If the consumer disputes any of the inconsistencies in the XXXX account, the credit reporting agencies must investigate and correct the errors if necessary. 

Section 1681g : This section requires that credit reporting agencies provide accurate and complete disclosure of all information in a consumer 's credit report. The inconsistencies in the XXXX account violate this section by presenting incomplete and inaccurate information across the three reports.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I called 1st heritage credit of XXXX mississippi and asked if they give loans to military personnel. They said they do so I applied and got the loan. At this time I was XXXX XXXX military and did not know anything about the military lending act. The APR of this loan is 37.640 % which is above the 36 % limit enforced by the military lending act. Also they required me to have premiums in order to receive this loan which is another violation of the MLA. I want to take the next step in order to void this loan but do not know how because it does not say on the internet and many attorneys I have called do not know of the military lending act. I have reached out to the issuer of the loan saying they violated the rules of the act and to void the loan but they will not. They sent this information to their attorneys to review this situation and are waiting for an answer. The excuse they used was that on my credit report it did not say I was XXXX XXXX when I told them I was in the military, showed up to the office in uniform, and gave a copy of my LES which clearly says on the top states that I'm XXXX XXXX.
Product: Debt collection

Debt validation and proof of claim for this account were requested on XX/XX/year>, but have not been provided.
Product: Checking or savings account

On XXXX XXXX, 2025 there were two transactions made on my checking account # XXXX XXXX with Chase Bank. These were in the amounts of {$190.00} in XXXX, MN and {$490.00} in XXXX, MN. I live in XXXX, AZ and have not been to Minnesota in my life. I did not authorize these charges. I also have never given anyone my PIN to my debit card which was used to make these transactions. I was in possession of my card at the time. I called Chase right away when I noticed these false transactions on my account, the next day. I had them cancel my debit card and filed a claim at that time. When I called the customer claims line for Chase several days later they told me my claim had been denied because there was no fraudulent activity noted. I also went in to the branch to speak to a Manager. She gave me the same answers. She said the transactions were made using a PIN. As I have said, I have not shared my PIN with anyone nor do I have an XXXX XXXX. My claim # with Chase is XXXX.
Product: Debt collection

this account is fraud i told XXXX XXXX XXXX filled out the paper work this is not my account never had XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX Hospital charges for about 6 months. The account was closed many years ago because I was on Medicaid who covered the balance of my medical bills. Also, I moved away from the state of XXXX on XX/XX/2015 due to XXXX  XXXX. I have lived in XXXX since then and have never been back to XXXX to incur any debt. Each time I dispute this issue with a credit bureau, the debt is sold and my credit is ruined again. I have to constantly fill out these forms and research my credit. I have to Pay for monitoring of my credit from XXXX. I am being harrassed and it's too much. Please help me.
Product: Student loan

XX/XX/2022 called AidVantage at approx. XXXX XXXX  -- My original call was to request a refund of payments made during XXXX back on XX/XX/XXXX. I was told it would take about 4-6 weeks. I waited 6 weeks before calling back for a status. I was then told I could not be given a status and that it is now taking 10-12 weeks. I was of course not happy about the lack of communication about the time frame change and the inability to tell me where I was in the process. We did not agree on the time frames and she thought she put me on hold to hang up. While she thought I was on hold she called me an ungrateful XXXX then when I asked not to be spoken to that way, without comment, the call was disconnected and went to an automated survey. I understand frustration but I am not OK being cursed at by a customer service rep at any time from a company that I am forced to do business with. Especially when I did not use any foul language towards the rep.
Product: Student loan

Navient never told me about the Public Service Loan Forgiveness Program. I am a XXXX   and would have been eligible to pay off my student loans in XX/XX/XXXX. In XX/XX/XXXX of last year I would have had 10 years of payments. Instead Navient kept advising me to put my loan into forbearance. In XX/XX/XXXX I worked with a private company to reduce my loans. They helped sign me up for the income based repayment plan and to consolidate my loans to reduce payment ( I could have done this ALL through Navient if they had informed me of these programs ). I was told by the private company to keep paying on my loans and that I could apply for the student loan forgiveness program in XX/XX/XXXX when payments would equal the 10 years of repayment-they were the ones that told me about this program NOT NAVIENT!!! When I applied in XX/XX/XXXX for this forgiveness, I was told that I didn't qualify because my loan was now considered a " new loan '' ( because I had consolidated them in XX/XX/XXXX ) and that I would have to continue to make payments for ANOTHER 8 YEARS!!! My loans are currently being serviced by " XXXX XXXX '' and they also have informed me of my " new loan '' status. This has created a terrible hardship for my family and I. A loan that should have been forgiven last year won't be forgiven for another 7 years because of Navient not informing me of these federal programs and steering me into the wrong direction. Pleas help me to know what to do. Can this be reversed? Can they be forgiven because of the withholding of information? I have XXXX for 15 years as a XXXX XXXX, worked hard to provide for my family and am being punished for lack of customer support and help ... Please let me know. Thanks so much for your time.
Product: Credit reporting or other personal consumer reports

I need the method of verification and discrimination of procedure. I need all of the information retrieved during your investigation that proves this information is correct. I need this provided to me within XXXX days and if you cant, it must be deleted. This method is of verification 15 USC1681i ( a ) ( 6 ) ( B ) ( iii ).

According to the FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted and sent a dispute letters to the companies regarding that I never opened these accounts. However, they refuse to remove them from my credit report. I was incarcerated doing the time these account were open
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021