23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RECEIVABLES PERFORMANCE inserted fraudulent accounts into my credit file. Not only are these accounts getting inserted Receivables Performance is failing to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform Receivables performance that these accounts do not belong to me and are a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my consumer credit report and I noticed that I had fraudulent accounts on my profile. I am referring to the account from XXXX XXXX XXXX with account number XXXX, XXXX XXXX XXXX with account number XXXX and XXXX XXXX XXXX XXXX with account number XXXX ; which are all three attempting to collect a debt from me. I have never entered into an agreement or a contract with ANY OF THESE XXXX COMPANIES which makes these fraudulent accounts. This also is inaccurately reporting to my consumer credit report and is a violation of my consumer rights under the FCRA and the FDCPA. These fraudulent accounts reporting is hurting my ability to obtain credit and is having a negative impact on my mode of living. I demand for all forms of communication from XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX to cease and for these accounts to be deleted immediately. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer
Product: Debt collection

XXXX XXXX and XXXX XXXX services added to my credit report and I have no knowledge of either account and its hurting my score bad. I have been fighting them both for a while and letting the companies know that i have no knowledge of these accounts. Also have filed with FTC.
Product: Mortgage

After a re-appraisal of property value for my home, I formally requested private mortgage insurance deletion as the 80 % loan to value criteria has been met ( 77.9 % according to PennyMac representatives and letter received ). I am not being told my loan to value must be below 75 % which is not a referenceable criteria outlined in the Homeowners Protection Act of 1998, which seeks to protect consumers and homeowners from this kind of nefariousness.

I have formally requested a review of this from PennyMac in early XXXX and have not received response. Multiple follow-up calls have not yielded any resolution.

My final correspondence with PennyMac on this subject was on XX/XX/XXXX where I was transferred to a supervisor by the name of XXXX XXXX who effectively read the letter which I received nearly two months ago and did nothing to further escalate my request for review and subsequent deletion based on above outlined criteria.
Product: Debt collection

XXXX was included in bk XXXX XXXX of virginia inreturn XXXX has transferred account to collection agency bk was discharged on XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax, You have listed my personal information incorrectly, I expect this situation to be corrected immediately or I will be reporting you as messing up my personal information for personal gain. You have several things on my credit report that should not be there and without any confirmation of a signed contract from these companies I know for a fact it is illegal for you to list any company with my personal information regarding fraudulent information on my report. I had to file several police reports regarding all of this. My personal information was stolen and used several times which created a nightmare for me, I will not be harassed or treated this way by either you or any other company that deems this ok to use my report for personal gain in anyway whatsoever. XXXX XXXX I never opened this account in XX/XX/XXXX Pls. send the signed contract with my name or it or -- -Pls. remove this IMMEDIATELY XXXX XXXX who is this?? No address, No contract, No signature, again- Pls. remove this IMMEDIATELY XXXX XXXX Who is this?? Equifax if you dont have a contract for them either then, Pls. remove this IMMEDIATELY Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXXXXXXXXXX Consumer Affairs pls. looking to this information since Equifax seems to think it is ok to put peoples personal information on their site without any proof of records.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Product: Credit card

I received an active credit card from Wells Fargo Financial National Bank that I did not apply for.
Product: Debt collection

To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced above, as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I recently received communication from your company regarding this debt, and I would like to request the following information before proceeding with any further action : XXXX. Verification that Southwest Credit Systems has the legal right to collect this debt. 
XXXX. A copy of the original creditor agreement or contract that verifies my obligation to pay. 
XXXX. A detailed accounting of the debt, including the original balance, any fees or interest added, and an explanation of any changes. 
XXXX. Proof that the alleged debt is within the statute of limitations for collection in my state. 
XXXX. The name and address of the original creditor. 

Until I receive proper validation of this debt, I request that you cease all collection activities, including reporting this debt to credit bureaus, as unverified debts should not be reported. 

Please respond to this request within XXXX  days of receipt. If you are unable to validate this debt, I request that it be removed from my credit report and that no further collection attempts be made. 

This letter serves as a formal dispute of the debt. Please note that any attempt to collect an unverified debt is a violation of federal law. I expect a prompt response and appreciate your cooperation in this matter.
Product: Vehicle loan or lease

I am sending this complaint in regards to being a victim of predatory lending. 
On XX/XX/2019 I was approved for a car loan from Wells Fargo. The car was purchased at XXXX XXXX XXXX. 

The annual percentage rate of my loan is 11.79 %. 

At the time, I had full intentions of improving my credit score and refinancing within a year of the purchase. 

I recently tried to refinance with Wells Fargo and they are no longer offering refinancing services. 

I was specifically told that refinance was an option. I had expectations that Wells Fargo was a good bank to finance with and would offer better financial advice.
Product: Credit card

Paid credit card balance in 2021, should have been removed from credit report as creditor agreed to. This is affecting my life and credit
Product: Student loan

The loan is currently in forbearance with a 0.00 % interest rate. I received a notification from Mohela that interest had accrued on the loan while it is still in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accuracy of my bankruptcy account on all 3 credit bureaus. XXXX has removed the public record from my file but XXXX  and Transunion keep saying that the information was verified as correct. The type of record is incorrect. I filed a Chapter XXXX in XX/XX/XXXX and as of XX/XX/XXXX the record should have been removed from my report. They keep reporting it as a chapter XXXX. I have sent letters and documentation showing this and they still haven't removed this.
Product: Student loan

Following the statements on the XXXX XXXX XXXX XXXX XXXX  web site, I contacted my loan holders front end to request information on canceling my private student loans due to fraud/misconduct on the part of the school. Through several emails ( which will be provided as an attachment ) I was told that I am denied said cancellation and there is no information to be given ( they said there was none to give ). Again following the statements on the XXXX website I am making this complaint to try and find a resolution. 

XXXX  site referenced : XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm Inc XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REQUEST FOR XXXX Dear Sir/Madam, I am writing to request a copy of the XXXX form for the debt that I owed to your company, which was charged off. The debt in question is related to several account numbers and have been charged off for the outstanding balance. 
Account Numbers : XXXX, XXXX As tax season is wrapping up, I noticed that I have not received the required forms for a reported charge off. It is illegal to withhold a XXXX. When you are the fiduciary you have a responsibility to the trust. If you have submitted a XXXX to charge off the debt on the IRS side but did not supply a copy to me that is willful negligence and you are preventing me from being in compliance with the IRS. If you have not submitted this debt on your profit and loss, then this is considered tax fraud for manipulating the loss with a failure to report. I will exercise my right to use form XXXX information referral & form XXXX which is reported to the whistleblower address for the IRS. I will also file a police report and report this to the Secretary of State in which your entity is registered. 
It is essential for me to have all the necessary documentation regarding my financial affairs, including the charged-off debt. I understand that it is a requirement that your company file a XXXX form for this debt, and I kindly request your assistance in providing me with a copy of this document. According to the IRS a XXXX is a notice to the IRS that the financial institution has forgiven or canceled a debt of {$600.00} or more. You are blatantly enforcing an alleged debt after you have received a tax benefit from the charge off. 
Having the XXXX will enable me to accurately report the charged-off debt on my taxes and ensure compliance with all tax obligations. I would greatly appreciate your prompt attention to this matter and the timely provision of the requested documentation. I need to resolve this matter efficiently and appreciate your cooperation in helping me meet my tax responsibilities. 

Thank you for your attention to this request. I look forward to receiving the XXXX for the charged-off debt as soon as possible. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Hello, In XXXX/XX/XX/2017 I opened a checking account with Wells Fargo under a promotion to receive {$200.00} with certain quailfying activities. I met those activities within the required time and soon thereafter, while waiting for my bonus to be issued, my account was closed by the bank. 

I called and was told it was closed because the account was " not sufficiently being used ''. After opening a claim with their customer service they said I did meet the qualifying activities and would need to go into a branch to receive my bonus. When I went to the branch the banker had no knowledge of the bonus and said I would not receive it. I since opened a second claim that, upon following up today, they now have no record of it. 

I have to date opened two claims with their resolution department, upon which after follow up, their reps are unable to find any record of.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX customer service representative without my consent blocked my XXXX XXXX XXXX. I called into their customer service inquiring about a purchase on XXXX XXXX, XXXX {$94.00}. The CSR said she is going to block the card. I explained, I only have an inquiry please do not block the card for I have a balance on the card. I explained I need to purchase medicine. The CSR blocked the card anyway and now I have to wait 7 to 10 days for XXXX XXXX XXXX XXXX to send another card. The money to purchase medicine was loaded on the card the CSR blocked and now I will have to wait 7 to 10 days to buy medicine. I am a XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I do n't understand why I am still paying for a student loan when the school closed. I was told if I did not continue they would garnish my payroll check or take my taxes. My loan is through Navient Department of Education Loan Servicing. I already have other student loans I am paying back but would like for them to take off the one from XXXX. I hear they have changed their name to XXXX. I was enrolled in XX/XX/2009.
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/block any items 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 XXXX XXXX XXXX, TX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$8900.00}, XXXX XXXX XXXXI Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/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 XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

ACS/XXXX xxxxxxx XXXX I completed the Student Loan Rehabilitation Program so this account should NOT be reporting any LATE payments. Correct or delete the account right away!
Product: Student loan

MOHELA has sent an email saying my monthly payment is {$710.00}. I have my loans on pause until XXXX they have sent emails and put them back into repayment. I called to get it stopped but they still sent a bill. Its hard enough with the loans I accepted to make my life better. Its hard to pay such a high amount then have my daily expenses. ( Mortgage, utilities, car payments, groceries, and gas plus try to save for retirement accounts ). I have been paying my student loans since XXXX. I was told a lot of my payments dont count towards my forgiveness because it doesnt qualify. They only counted XXXX payments toward PSLF from XXXX total payments I have made. They are making up their own rules with seemingly little oversight.
Product: Debt collection

Today, I have my bank account with XXXX wiped out over {$5200.00} and overdrawn by {$1600.00}. I was informed by a XXXX party that sent the court order to the bank I had a judgement against me ( first time I find out ), had to call the bank to get their info. I was never served nor did I receive a notice. Last communication I had with the owner of the debt, Asset Capitol Recovery was that I had the intention of paying but could barely survive making {$12.00} per hour back in 2013. Apparently, a judgement with the ability to lean my bank accounts was filed in 2013. How can I have a judgement and court proceedings without having been served or a notice received?
Product: Credit reporting, credit repair services, or other personal consumer reports

First off, my mortgage company said that I owed {$8000.00} on my  XXXX  statement and I called three times to get an explanation of why they said I owed so much money. The reps could n't explain it to me so I went ahead and paid my regular mortgage payment which was mailed on  XX/XX/XXXX  and cleared the mortgage company on  XX/XX/XXXX . In  XXXX , I received another bill saying that I still owed an additional 6k over my normal payment so I called my local mortgage broker to see if they could help. They end up calling the loan servicing company and determined that it indeed was an error on their part. Unfortunately, while my local broker was working out the details with the loan servicing company, I was notified that   XXXX   ( loan servicing company ) reported to all  XXXX  credit bureaus that I was late for my  XXXX  payment. My broker at   XXXX   XXXX   XXXX   got them to finally adjust my bill and even mailed in my may payment for me but they have been unable to get the delinquent mark off of my credit. My credit went down from an average of   XXXX   to an average of   XXXX    and it has quite negatively impacted my personal and business finances. I have called every other day and nothing seems to be helping. I ca n't express how frustrated I am with my mortgage company. It has been nothing with problems.
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In addition to the credit issue, I also have received numerous late payment fees of over {$100.00} even though I have the payment postmarked and on its way by the   XXXX   or the latest the  XXXX  of each month. They say it takes about 10 days to show up in their system but it sometimes takes a lot longer than that and if they post a day after the 15th then they charge me at least {$120.00}.
Product: Checking or savings account

I would XXXX kniw ehy my accowas closed. I never deposited a check
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX credit score Fair Credit Reporting Act violations Date : XX/XX/XXXX Item Disputed Account name - XXXXXXXX XXXX Account number - XXXX Explanation of why you believe the information is inaccurate History reporting as a new chargeoff even though the account was charged off *6 years* ago Additional comments Equifax Every time I dispute this account my score drops when they update the descriptors/history. XX/XX/XXXX dropped XXXX points ( see attached supporting documentation ). So I disputed it again that the history wasnt being reported correctly - then that dispute resulted this dropping my score another XXXX pts on XX/XX/XXXX, because they reported it as a new chargeoff again ( see attached supporting documentation ). This is for an account that was charged off 6 YEARS AGO! A *9 year old* account that was charged off *6 years ago* should not be dropping my score anymore. Im so tired of this fraudulent account that isnt even mine. 

Theres even a 90-day late reported XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached supporting documentation )! An account that was charged off in XX/XX/XXXX should not be reporting any new 30/60/90-day lates in XXXX. Nothing new should be reported after an account is charged off. This is an egregious Fair Credit Reporting Act violation. 

Derogatory marks are supposed to have less of an effect over time, but the way this account is being reported, the opposite is happening. This is a Fair Credit Reporting Act violation! Because of these Fair Credit Reporting Act violations Ive been denied credit numerous times because of these violations! 

Fix this reporting error so my credit profile is accurate and my score is corrected. This is the only negative item on my report all of my other dozens of accounts are pristine. DELETE THIS ACCOUNT!
Product: Mortgage

My mortgage was sold from LoanCare to XXXX over a year ago now, my payment for XXXX 2015 was sent to LoanCare, but was never forwarded or returned to me. I have called both XXXX and LoanCare for resolution and they continually give me the run around, I have multiple tickets in with LoanCare regarding my payment and have been told the issue is closed and resolved every time I call to check. They have yet to actually resolve the issue and I have called multiple times and sent them documents multiple times without resolution to the issue. On the flip side, XXXX is charging me late fees monthly for a missing payment that I technically never missed, I originally called them when the issue first came up and they told me they would take care of it, I called them multiple times over the ensuing months and they kept saying they were taking care of it only to find out later from an employee at XXXX that the truth is they would never do anything about it. Essentially LoanCare and/or XXXX is holding my payment and is not applying it to my mortgage and neither is calling me regarding my complaints filed with them, every time I call either my complaints are closed without contacting me or giving me any resolution or without fixing my mortgage.