23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I put a borrower defense discharge application in XXXX  with XXXX XXXX I am a class member of the XXXX XXXX XXXX lawsuit I should receive a settlement. I have direct subsidized and direct unsubsidized loans with ED financial. I have no private loans they recently sent me a letter stating I have no direct loans that are eligible for borrower defense discharge. When I asked them to explain this letter, they informed me I need to call the borrowers defense hot line. When I called the borrowers defense line I was informed my discharge was approved. I have no information I am needing help.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

This complaint is to inform the Consumer Financial Protection Bureau of the willful, reckless and negligent inaccurate reporting of the below information on my credit file by Equifax. Equifax refuses to provide me with any proof that I authorized the companies listed to receive my credit report. 

XXXX XXXX XXXX, pulled XX/XX/XXXX and XXXX XXXX, pulled XX/XX/XXXX. 

Therefore, the XXXX XXXX XXXX, AND XXXX XXXX inquiries need to be removed from my credit file. 

Attached to this complaint you will find a verification letter from Equifax stating that they were authorized to submit my credit file to the following companies because " Inquiries are a factual record of file access? '' What does this mean? Also attached to this complaint is a letter from Equifax stating how they verify account information on my credit file. They stated that everything they use to verify is all electronic and no physical documentation is used for proof. This method creates an enablement of identity fraud and possible data breach. Both letters are attached to this complaint. 

I would like to be provided proof ( via wet ink signature on the documents ) that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I do not consent to XXXX for means of verification.

I do not recall authorizing these inquiries and demand they be removed from my credit file from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEIRXXXX ETC.. ARE 14 FRAUDULENT HARD PULLS FROM XXXXXXXX XXXX ON XXXX ONLY.
Product: Credit reporting

I have disputed XXXX several times with the credit bureaus because of the numerous inaccuracies on my reports and the inconsistencies between the XXXX, however, all of the issues still exist as XXXX is unwilling or unable to provide accurate, consistent information which is causing issues with when this item is to be correctly removed as per the law. I have included the way in which the same exact account is reported by XXXX 's to the XXXX different major credit bureaus : Company : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Loan Type : Charge Account Other Charge Account Account Number - XXXX Account Holder : Individual Individual Account Individual Date Opened : XXXX, XXXX XXXX, XXXX XXXX, XXXX Status Date : XXXX, XXXX XXXX, XXXX XXXX, XXXX Condition : Not Updated Closed Closed Last Activity : XXXX, XXXX XXXX, XXXX Not Available Balance : {$0.00} {$0.00} - Status : Charge-off Payment after charge off/collection Account legally paid in full for less than the full balance History : Late 30 Days 0 times 0 times 0 times Late 60 Days 0 times 0 times 0 times Late 90 Plus Days 15 times ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 0 times XXXX time ( XXXX XXXX XXXX Worst Delinquency : Bad debt/collection None Reported Collection High Balance : - {$190.00} {$190.00} Terms : - - Revolving REMARKS : Account paid for less than full balance / Paid charge off Settled -- less than full balance Account Paid In Full For Less Than The Full Balance As you can see, XXXX CB they are reporting the last activity as XXXX XXXX, XXXX it 's XXXX XXXX and the last they do n't even report a date at all. Then, in the 90 days + date late, to XXXX CB they report none, another they list XX/XX/XXXX and the other they list all the way from XXXX XXXX through XXXX XXXX. 
This account was sent to a collection agency at some point because I received a letter from them in XXXX XXXX. At the point this account was sent to XXXX XXXX XXXX , XXXX, XXXX was no longer the owner of the account, so their continued reporting of it after they 'd closed it is inaccurate. The date of XXXX, XXXX, is the month I paid this to the collection agency. 
I do not understand why XXXX continues to provide inaccurate data.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX XXXX concerning a paid off account since XX/XX/XXXX. I was told that there is nothing they can do about it and they can't take it off my credit report. I can't get a mortgage loan due to this account. The company could not help me with this unfair situation. Right now the account is paid off and they can't still do nothing about it.
Product: Credit card

I have a home depot credit card. I ordered a Gazeebo for {$340.00} online that was supposed to be shipped to the store. This was the only charge on my card. I received my statement about 2 weeks later and no product. I called the local home depot in XXXX XXXX NH and they could not find it and I was put on hold for over 20 minutes. I then decided to call the customer service number on my credit card statement. I called and the gentleman offered to call the local store as they showed it as being delivered to that store. I waited the line for 10 minutes and when he came back on he said that he got hung up on and would refund me the {$340.00} and take XXXX percent off the new gazebo along with free shipping to my home. I asked him if I needed to worry about that payment and he said no. I decided to pay my credit card early today and found out I was charged {$25.00} for not making the minimum payment required on my last statement. When the customer service rep refunded me the {$340.00} my balance was XXXX. Why would I make a payment towards a XXXX balance. The manager said because I have other charges on this account. Those charges would be reflected on my new statement but I have not even received that yet. I have no idea what those charges are even made up of without a statement. I want my late fee back and an apology letter. My credit is very good and this is fraudulent to say the least.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX  XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the accounts stated below has violated my rights : XX/XX/XXXXXXXX - Account # XXXX XXXX XXXX - Account # XXXXXX/XX/XXXXXXXX - Account # XXXX XXXX XXXX - Account # XXXX 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: Debt collection

This company has sent me an email trying to collect on a debt. They have actual sent the email to the wrong person. Any and all debts are supposed to be in writing not via email. This company is not follow the consumer protection laws. They sent me some letter offer 100 % settlement. I have responded to the email stating debt is not mines and they should not be send this information via email. I also have asked them to stop communications with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 2 certified letters were mailed to LexisNexis asking them to verify the information which is located in my file they maintain under my consumer report. I received a letter dated XX/XX/2020 stating that the information they verified was correct. However I mailed a letter to the Office of XXXX XXXX county clerks office of XXXX county asking them if they verify tax liens with consumer or credit reporting agencies and the letter states no they do not report, validate, or confirm tax lien fillings or records to the credit bureaus. Yet and still LexisNexis continues to report the tax lien in the consumer report listed under my consumer number. I have provided copy of the letter in which was sent to me from the County clerks office, the same letter which was mailed to Lexis Nexis.
Product: Debt collection

I received a notice from NowackHoward collections on XX/XX/2019 to pay attorneys fees in addition to an HOA fee past due, for total of {$570.00}. Per the letter, a lien on my property is being sent to the Clerk of Court. 

Notification was NEVER sent/received from the HOA or management company that I was past due. They went direct to collections without sending a late notice. 

Subdivision/HOA is XXXX XXXX and XXXX XXXX XXXX XXXX , XXXX. ( Subdivision is located in XXXX, GA ). 

I have contacted the collections group in writing via email to resolve this issue. In communicating with other residents, they did not receive a late notice either. 

A check had already been mailed to the management company, which included the amount due plus late fee.
Product: Money transfer, virtual currency, or money service

Hello, We have tried to transfer money through Money Gram to help people in need in the XXXX. The transfer did not go through with no reason and refund has not been completed yet. Money Gram claims that the funds were returned to XXXX and XXXX claims that they have never received any refunds. We have been on the phone over 10 hours with both financial institutions. We have emailed, faxed, called, twitted to solve the issue with no luck. We need the Bureau`s help to get our money back and to stop this fraud. 

Transaction date : XX/XX/2020 Amount : {$300.00} Money Gram transaction Number : XXXX The last response from Money Gram : From : XXXX XXXX Sent : Tuesday, XX/XX/2020 XXXX XXXX To : XXXX Subject : XXXX Case XXXX Dear XXXX XXXX XXXX , Thank you for your communication to us detailing your concerns associated with MoneyGram International XXXX 

You have stated that you have attempted to request a refund for your transaction XXXX in the amount of XXXX ( USD ). 

Our records show that on XX/XX/2020 we received a charge back request from your bank. Since your transaction was rejected by intended receive party MoneyGram accepted the charge back and funds were returned by your bank. 

If there are any issues we would advise to contact your financial institution for assistance. 

Thank you, XXXX Executive Escalations Specialist IV ______________________ MoneyGram International ref : XXXX : ref
Product: Debt collection

Vance and Huffman , LLC has reviewed the complaint submitted by XXXX XXXX. Our records show our office obtained the XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. This account was originally opened XX/XX/XXXX. Funds obtained from this loan were deposited into the XXXX XXXX XXXX account ending in XXXX. Validation of this account has been supplied to XXXX XXXX in response to her disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This account has been in a dispute status since XX/XX/XXXX and all collection efforts have ceased since that time. 

Then why is this account still reporting on my consumer reports. Again this is an alleged debt so please provide me with the proof I owed Vance and Huffman , LLC any alleged debt please show me where I have had an account with Vance and Huffman , LLC, a signed contract to pay you any fees or debts. Note this is not asking for any validation of debt in which you can not verify any debt or alleged debt I've never had with your company. This is asking if Vance and Huffman , LLC is in compliance with the FDCPA and a request of all documents requested below and in my previous complain in which you have not submitted to me. 

I also request the following documentations listed bellow to be certified and sent with your response. 

Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.

Notice To Agent notice to principal
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and found one account to be inaccurate, which I am disputing. Under 15 U.S. code 1681e ( b ) Accuracy of the report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates.15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
XXXX ( Account Number : XXXX ) is not late and should be corrected to " paid as agreed. '' Please change it to " paid as agreed, '' and never be late. Thanks. I expect these inaccuracies to be corrected immediately. Failure to address these issues promptly is a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to take further action if necessary.
Product: Mortgage

FIRST AND FOREMOST THIS IS NOT A DUPLICATE! On XX/XX/19 I submitted a complaint to you regarding multiple issues I am having with Selene Finance company. I also sent a second one on XX/XX/19 that you saw as a duplicate IT WAS NOT! The second one happened to be a case where they had increased my monthly payment by more than {$500.00} per month. My taxes did not go up nor my insurance Here is a list of unresolved issues Unapplied payments Misapplied payments Overcharging fees Missing statements Why am I being blocked from writing to them through their email system? Yes, I have been writing but only because I have not received the answers I requested! 

Why after making 5 payments the very next day they sent a letter to accelerate? 

There are two different escrow reports coming from two different people that do not match at all Massive increases in my monthly payments I have requested documents for the last 5 months that were never received I have requested information on who owns my loan with the contact information and the account number with the company not the account number with XXXX. 

There is much to be concerned with here, hopefully, we can real answers that make sense. The answers I received so far are extremely lacking in with regard to my request.
Product: Student loan

Took out a student loan in 2013 for the amount of {$19000.00}. at Wells Fargo and the interest rate was and still is 8.65 %. According to Wells Fargo I still owe {$17000.00}. According to the statement I have paid {$4100.00} in principal and {$12000.00} in interest. If I take the principal amount off the total amount owed my balance on the loan should be {$15000.00} not {$17000.00}.
Product: Mortgage

I was assessed an incorrect {$30.00} fee for paying the principal on a HELOC. I called Pen Fed Credit Union at XXXX and the agent refused to issue me the credit for an incorrectly assessed fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to incorrectly report collections on the XXXX XXXX XXXX in the amount of {$400.00} partial account number XXXX and XXXX in the amount of {$1200.00} partial account number XXXX. ( Please see pages 22 and 23 attached from my credit report. ) XXXX and XXXX have removed these line items. I have contacted the bureau to remove these line items however, I have not been successful. This incorrect reporting of collections is harming my credit score and these line items need to be removed.
Product: Credit reporting or other personal consumer reports

My rights as a consumer was violated by all XXXX  credit bureaus. USC 1681 Under the section of permissible purpose, it states that you can not furnish a report without my written instructions. US code 1681 Section 602 also states I have a right to privacy. US code 6802 also states non public information should never be reported. I have went ahead and filed a lawsuit.
Product: Credit reporting or other personal consumer reports

On my credit report its showing XXXX late payments which is incorrect, my account was disputed because there was a fraud claim on this account. So I didnt have XXXX missed payments
Product: Credit reporting or other personal consumer reports

NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT REPORT
Product: Credit card or prepaid card

XXXX A transaction of XXXX went through to a citi autopay that I did not authorize nor have this citi account. I have called citi about this weird credit card that was opened and someone making transaction on it before. I have called some few years? before back to have it closed when I noticed the first attempt of this credit card being used. I called citi to have it closed and/or was told I do not have this citi credit card account? as far as I remember. However, a transaction was made today from my XXXX under the same citi credit card issue I have complained about it being used/opened not under me. I have asked for investigation from both XXXX and Citi. I do not know from Citi if there is an investigation under way.
Product: Debt collection

On XX/XX/XXXX I filed a complaint XXXX I contested collections under California state code for statue of limitations of 4 years a company response on XX/XX/XXXX PRA agreed to honor my cease and desest all calls and collections and communications to account XXXX on XX/XX/XXXX I received another communication of harrassment from Portfolio Recovery Associates of additional establishment of validity. I request that PRA be fined under state and federal laws and that I be comperstated for being harassed and for mental pain and distress on a senior citizen. amounts owed from XX/XX/XXXX is non collectable under Calidornia code as well as Federal codes. 
Thank You XXXX XXXX
Product: Mortgage

Our mortgage was opened in  XX/XX/XXXX  with   XXXX   XXXX  . The mortgage was on a property that contained  XXXX  parcels. An escrow account was set up for the taxes and insurance. The payments on the mortgage were paid on time until XX/XX/XXXX , and then brought up to date in  XX/XX/XXXX . At this time, we discovered there were past due taxes on the property. CHASE was paying taxes on only  XXXX  of the  XXXX  parcels, which has now created delinquent tax bills including interest and penalties. Additionally  XXXX  sold this mortgage to  Bayview Loan Servicing . We have been trying to sell the property and payoff the account, however do not feel we are responsible for  XXXX  's error and lack of payment of taxes. This error is causing a delay in the selling of the property. We have reached out t o Bayview Loan Servicing  4 times in the past several weeks and have not received any assistance in settling this issue. We have forwarded documentation including tax bills, and other pertinent documents. At  one point, a representative from Bayview even acknowl edged there was an error, however that  XXXX  was ultimately responsible for the error.
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXTransUnion