23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a foreclosure on my home in  XXXX .  XXXX  reported it on my credit in  XXXX   XXXX . The charge-off is past the statute of limitations. We tried to purchase a home a year ago, but could not.  XXXX   XXXX    XXXX   contacted  XXXX  telling them this debt ( charge-off of {$35000.00}  ) w as too old and needed to be removed. They refused to remove it, stating we had made payments in  XXXX ,  XXXX  and  XXXX  of that  year (   XXXX  ). We were unable to purchase a home due to their fraudulent claims.     I disputed it with  XXXX  and thankfully they removed it. I have tried to dispute with  XXXX   (   XXXX   XXXX   ),  but  XXXX  reported we never missed a payment from  XXXX  to  XXXX  and we make payments on the loan every  3-4 mon ths. They have not reported to Experian any payments received by me, but the total amount is still on that report.     We have received settlement opportunities from  XXXX  in the mail with the original amount of {$35000.00}, with a settlement offer of {$30000.00}. If they have reported we paid faithfully from  XXXX , how is the loan the same amount? Clearly, we have not made any payments whatsoever to them since the foreclosure. I have documentation through my banking that no payments have been made to them. Since there are too many bank statements in a  7-year p eriod to upload for this claim, we are asking that  XXXX  show " proof '' of my supposed payments to them.     At this point, we are going to have to seek out legal counsel, which would be a hardship to do. But, this has prevented us from purchasing a home, paying high rental rates to rent a home and higher interest rates on everything unnecessarily for the past 3 years. This has been so frustrating and devastating to our family not to be able to own a home after 10 years. We are asking to please offer any kind of solution on how to get this resolved as quickly as possible.     Thank you so much for your time with this sensitive matter. We would greatly appreciate any help.     Sincerely,  XXXX
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with DeVry, where misrepresentations and predatory practices have been well-documented : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 
We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Student loan

I graduated from XXXX XXXX XXXX XXXX ( XXXX ) with over {$300000.00} student loan!!! I should be working as an XXXX but no residency. XXXX XXXX many many times for guidance and last I heard was from their program director telling me I am XXXX. Since 2009, I have been paying student loan for federal and private. My income is only XXXX compare to the income should one have for $ XXXX student loan. Federal has increased payment and Salliae mae have had me paying only interest and now wants to increase it by 188 % or commit to pay {$510.00} when at end of the month I only have {$100.00} left. I tried to talk to them but with very rude language she said " that is all we have, give me your credit card and commit to {$510.00} for 15 months ''. I only have {$100.00} left in my account where do I bring that? Due to false statement from XXXX, no residency no job that can pay this loan. It is not me, there is lot more that do not know what to do and who to reach.
Product: Mortgage

Hello, I am trying to refinance my property and this is what i found out once i was going through the process. I have my current loan with Loancare, last year 2020 my mortgage was in forbearence for the total of 1 year. And when we resumed the payments after the year we were told that the amount will be deffered and put towards or loan and thats it. Nothing else complicated and we chose that option. But now i am finding out that they have put a lien towards my property and it not recorded as deffered and how they explained. On the top of that that have recorded it double the amount. No one in Loan care can explain. I really need to refinance but this is killing me with no explanation.
Product: Credit reporting or other personal consumer reports

Unauthorized Communication and Privacy Violations : I am filing this complaint because XXXX XXXX has repeatedly communicated with me regarding an alleged debt without my consent, in violation of the Fair Debt Collection Practices Act ( FDCPA ). These communications included unauthorized sharing of my personal information with third parties, constituting a serious breach of my privacy rights. 

Inaccurate Reporting to Consumer Reporting Agencies : XXXX XXXX has reported inaccurate information related to this alleged debt to consumer reporting agencies ( XXXX, XXXX, TransUnion ) without providing any validation or proper documentation. This inaccurate reporting is harming my credit profile and violates the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

I closed out my mortgage loan with Selene Finance when I sold my former house on XX/XX/2018. I was told by the closing attorney that Selene Finance would send me a check for the excess money in my escrow account within 20 days of closing. Selene Finance has confirmed that there was approximately {$4000.00} in my account but they have not sent it to me, despite numerous attempts to contact them.
Product: Credit reporting or other personal consumer reports

I was approved by the salesman XXXX, I have this proof in texting he send XXXX $ he said he's manager wanted to deliver the car that night to miami XXXX it was XXXX. The text especified everything ok, just need a signature, he also texted it was going to be a soft pull, but I wanted to drive the car first, how much was my finance fee.and I told them major banks don't finance cars 10 years or older.they whent ahead to XXXX  XXXX XXXX, XXXX XXXX, twice.when I went to dealer, he said my score wasXXXX good, they ask me for my phone and they took it in the back, while XXXX and I were talking about XXXX away, when the brought my phone back I've seen 7 inquiries. I told them to stop, the messed my credit up. I have a membership with expiriant credit bureau they could help me, I asked XXXX XXXX if I can walk into XXXX  XXXX cafe and show them proof of the text messages they said no, I said can I open a bank account they said yes, why not look at the proof of my allegations I have 2 cards with XXXX  XXXX never been late, or problems. That's not fair. I'm a person that don't make much, but I try my best.thank sir or ma'am.
Product: Credit card or prepaid card

My husband added me as an authorized user to his TD Bank visa account without my permission and my social security number is being used. This account is being reported and negatively impacting my credit score due to a high balance. My husband will not remove me from the account and TD Bank states he is the only one that can remove me and I can not remove myself. I want my name ( even as an authorized user ) off this account and I want it to stop impacting my credit score.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my dissatisfaction with Bank of America concerning the unexpected closure of my checking account and the prolonged hold on my cashier 's check. 
I opened a new checking account at the XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, Texas XXXX ) on XX/XX/XXXX. However, on XX/XX/XXXX, I was informed that my account had been closed without any explanation. Furthermore, my cashier 's check has been held for over a month since XX/XX/XXXX. 
I visited the branch on XX/XX/XXXX, and XXXX, XXXX, seeking resolution for the funds being held. Despite my repeated inquiries, I have not received any justification for the hold on this check or any viable solutions for releasing the funds. Additionally, I have not received any updates regarding my funds from Bank of America since XX/XX/XXXX.
Product: Checking or savings account

I am a victim of identity fraud. Someone was making withdrawals out of my checking account and my overdraft protection from my saving account replenished the checking until all funds were gone. This person opened new credit cards, applied for loans, and use my current cards in my name. All of my funds are gone and waiting for review. My credit score went from XXXX to XXXX. They are building the case against the person. A police report was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX  Inquiry Date XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under forbearance, due to covid, It was not supposed to effect my credit.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I submitted a complaint yesterday along with XXXX attachments because CFPB requested additional information I have spoken with someone 3 times regarding this complaint. All information was uploaded and now it is closed! 
I fedexed information XX/XX/XXXX So Im starting over On XX/XX/XXXX I sold my house for {$350000.00}. I left the closing with {$0.00} [ seller/buyer settlement statements to be uploaded again ]. I did not get my proceeds because the servicer for XXXX XXXX submitted a {$250000.00} payoff statement for the only first mortgage that was paid off XXXX. ( Or before second mortgage was released in XXXX ) Because XXXX XXXX XXXX  failed to release the lien I had to take the cash from my investment/retirement account. [ XXXX statements ] I have paid fees and penalties and cant replace the money without my proceeds. instead we now have a mortgage on {$200.00} purchase. Without the retirement account i opened in XXXX, I took reduced social security to make the payments. Even after they took my proceeds, I had to contact FDIC to get the mortgage released 3 months after the sale and after paying continental title $ XXXX Because there are multiple issues, I am going to submit separate complaints. ( and in case submission was closed due to exceeded upload limits. ) I will include this complaint number with next XXXX submissions. 1 ) closing 2 ) ; loan payments XXXX ) unsecured debt
Product: Credit reporting or other personal consumer reports

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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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 receiptXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$780.00} XXXX XXXX Balance : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023
Product: Mortgage

Several times over the last XXXX years I contacted TD Bank, holder of my existing XXXX to reinstate my online access to receive monthly statements since my discharge from XXXX XXXX XXXX in XXXX. Each time I was told by a representative that " since my discharge naming TD Bank they are not allowed to provide any correspondence during the bankruptcy period. As stated earlier, my discharge was closed on XX/XX/year> and I requested online access to my monthly statements as well as hard copies. I spoke to a representative today XX/XX/year> and was told that I needed to go into local branch to obtain a copy, when the rep XXXX my account, the rep notified me that STILL they don't have access to generate a monthly statement. The rep stated that she will instruct her internal people ( bankruptcy dept ) to reinstate my delivery of online and I should hear from a local bank rep in XXXX business days when statements will be available. I told the rep that I was preparing for my property sale and need a copy for payoff balance to provide my closing attorney.
Product: Checking or savings account

Tried to use my debit card online with two different vendors ( XXXX and XXXX ( XXXX ) XXXX ). Both times, PNC/XXXX  required additional authorization - a text message to be sent to two phone numbers I'm no longer associated with. My husband 's debit card was the same also with XXXX ( with 2 numbers that he's no longer associated with ). My phone numbers on my PNC account are correct, but somehow the feed to XXXX 's authentication is not working. I called and was on the phone for over an hour with PNC and finally someone at PNC contacted their IT area, and said they are aware of this problem ( it's happened to others ), and their solution is to either call the vendor and pay over the phone or pay in person ( not use an online payment method ). The reality is, if I'm online and I want to pay for something, and I run into this situation again, I will pay using a different bank 's credit card -- or switch banks totally. I will not pay over the phone or in person. PNC is aware of this issue and needs to fix the feed to XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : Dispute of Unverified Addresses and Incorrect Information - Demand for Immediate Removal. 



I am writing to you because of the previous disputed information in my credit report history and I have identified the following issues and reason why these are completely inaccurate and the following accounts that have been illegally added to my credit report without proper verification : Unverified Addresses : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect Information : property address information was called XXXX XXXXXXXX XXXX and their business is INACTIVE due to admin dissolution for Annual report. 



XXXX Addresses : XXXX XXXX XXXX XXXX XXXX NY XXXX 2.Incorrect Information : Property Information is called XXXX XXXX  XXXX XXXX. never had a lease or any important documents sent to this location. I have no business or anything tied to this property. 













1. Unverified Addresses : XXXX XXXX XXXX XXXX PA XXXX 2.Incorrect Information : property information is a house but I never had lease or rental agreement documents. I never signed or put my personal signature on anything pertaining to this location. 





1. Unverified Account Information : XXXX XXXX XXXX 2. Incorrect Information : This account is closed and the creditor considers it a loss. In fact, I noticed the old address XXXX XXXX XXXX XXXX, XXXX FL XXXX is/was the original but recently updated and changed to current. But the address is not only inaccurate but not on listed my credit history. 





1. Section 605 ( a ) which prohibits reporting of outdated information.

2. Section 611 ( a ) which requires you to conduct a reasonable investigation to determine the accuracy of disputed information.

3. Section 623 ( b ) which requires furnishers to verify the accuracy of information provided to credit reporting agencies.

Furthermore, as per the FCRA Section 611 ( a ) ( 5 ) ( B ), if an item of information has been previously deleted, it may not be reinserted in a consumer 's file unless the person who furnishes the information certifies that the information is complete and accurate. I demand that these illegally added and unverified accounts be immediately removed from my credit report. Failure to do so is a violation of federal law and may result in further legal action. Please provide a written confirmation of the removal of these accounts within 30 days, as required by the FCRA.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

I originally borrowed {$250.00} I paid back the total amount due on my next payday. I had sent an email previously and asked to extend the loan due to lack of funds. I received a phone call in reply to my email and I was offered a {$500.00} loan in exchange I had to pay off the current loan for {$250.00}. I agreed to do this. She asked me to go online following the payment date and request the new loan. When I was in the process of signing the e-documents, it was confusing and somehow I was redirected to another page during the signing process that apparently set up an extension on the first payment due. Which came with a price tag for refinancing the loan. As I stated, this was confusing and I thought it was referring back to my previous loan and now refinancing my new loan. It was not asking that, instead it was having me re-finance a loan payment that I hadn't even received the funds for yet. When the time came to have the money withdrawn via ACH. it took out more money than I allocated in my budget, which left me severely short to pay my other bills due. I called and spoke w a representative. We argued and she would not offer a solution, was extremely arrogant and I told her that if she would not compromise and replace the additional funds for the " refinancing of the loan '' that I was unaware that I even signed for, that I wanted to remove authorization immediately from Cash Central having access to withdraw monies from my account. She said they would continue to attempt withdrawals until they are paid in full. I then called my bank XXXX, and told them the situation and they suggested closing the account, so I did just that. Now, 4 weeks has went by and over a 2-day period XXXX XXXX used my debit card to withdrawal one {$600.00} in 3 separate transactions. I never gave permission for Cash Central to use my debit card, in fact, when I paid online and was asked if it was a one time payment or did I want to store the card for future transactions, I said no. They used my card from a one-time payment and had to have stored the card and used it without permission. Now I am having to wait on a fraud investigation by my bank XXXX before they return the funds and I have a car payment scheduled to debit account. This company is shady and I hope that my complaint will keep others from going through what I have had to.