23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The consumer financial protection bureau needs to request a recorded conversation I just had with select portfolio servicing, the company servicing the mortgage the investor, XXXX XXXX has on my property. The conversation was held with XXXX XXXX on XX/XX/2018 at XXXX XXXX   central time. I want this conversation forwarded to XXXX XXXX, the attorney general, XXXX XXXX comptroller of the currency, fdic, XXXX   XXXX, XXXX 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 bankruptcy trustee, the federal reserve, XXXX settlement and any other company agency or entity involved with the fraudulent mortgage XXXX XXXX is servicing on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report was accessed without my permission. I received a letter in the mail where an individual was able to apply for credit using my name and social security number. i contacted the consumer reporting agencies about the issue and i was informed that my report was not accessed. In the mail I received a letter that my name and social was used to apply for credit with XXXX bank. Although the credit was denied, My report with all three bureau 's were obtained. Also on my report there is accounts that are negative that were not negative in the past and they are reporting incorrectly. 
Those accounts are the following : XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX - reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting late, I was never late, please update to paid on time and corrected immediately. 

XXXX This account must be removed from all three consumer reports ; not my account and reporting without my consent XXXX I do not own a self lender account and must be removed from my consumer report immediately. 

XXXX I do not own a credit acceptance account and must be removed from my consumer report immediately. 

XXXX Reporting on my consumer report ; I do not own this account and it must be removed immediately.
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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan showing on my credit report as " in good standing ''. I have tried multiple times to dispute this account through transunion since XXXX. This auto loan was closed back in XX/XX/XXXXdue to repossession. The original creditor refuses to update the information causing me to be unable to obtain a car loan.
Product: Checking or savings account

Opened an Ally Account on XX/XX/XXXX. They initially blocked access to my account on XX/XX/XXXX - when calling them about the issue they asked invasive questions like " Why did you open this account? '' and told me that they restricted access because no money was deposited. I deposited a echeck on XX/XX/XXXX, which was subsequently cleared by the check issuer. I also wire transferred {$100000.00} in savings from my current bank to Ally on XX/XX/XXXX. On XX/XX/XXXX Ally let me know that the echeck funds would be available on the XXXX. I received a second notice that access to my account is restricted. I called them every day that week, and was told that I should be able to received access within XXXX business days, since it is standard procedure for the bank to restrict access at the first check deposit. I received very nasty comments from the loss prevention line with an accusatory tone from the supervisor, and was told that these is nothing I can do to expedite or learn more about my account restriction until the Fraud department contacts me. This is completely unfair and I've been in the dark about my savings. After XXXX business days I called again and received the same treatment. I was told that this process might not take longer than one month, but there are no guarantees, and no way to speak to a supervisor, Fraud department, or anyone that can either tell me more information or grant access to my account. The only way to learn anything is to call, and each call has led to the same stone wall. This is extremely poor business practice, and I am completely unable to make transactions from this bank ( it has now been XXXX weeks ) and they have the vast majority of my net worth. I requested of a copy of all verbal and electronic correspondence they have not granted it.
Product: Student loan

I completed my XXXX XXXX XXXXn the summer of XXXX when pandemic student loan general forebearance was still in effect. In XXXX of XXXX I received an email from the DOEd that interest on loans would be resuming in XX/XX/XXXX with repayments beginning in XXXX of XXXX. In XX/XX/XXXX I signed up for the XXXX XXXX plan and set up automatic payments. In XXXX of XXXX I received notifications from both MOHELA and the DOEd that my loans would be transitioning to a new platform and that the transition had been successfully completed. In XX/XX/XXXX I received a notification from MOHELA that my loans would be going into a forebearance " while we see if you are eligible for the additional SAVE XXXX benefits that go into effect on XX/XX/XXXX. '' In XXXX of XXXX I received a notification that due to the federal court stay on XX/XX/XXXX the " XXXX has directed MOHELA to put your account into a forebearance. '' Within that same email from XX/XX/XXXX there is a link to more information at studentaid.gov/saveaction. Under the XXXX XXXX XXXX XXXX & A section of that url within the expanded " What does the court 's injuction mean for me? '' block it explicitly states " While in forebearance, you do not have to make monthly payments on your student loans. Interest will not accrue during this forebearance. '' To me that reads as unambiguous - I would not be incurring interest on my loans while the XXXX XXXX plan was assessed by the courts. Now in XXXX of XXXX I received a notification from MOHELA that " During periods of forbearance, interest continues to accrue. '' I feel I've been blatantly misled by the communication from XXXX and MOHELA. 

In addition, when I went to check on my loan balances to understand how much interest had been incurred while in the forced forbearance I was unable to access my account. When attempting to reset username/password I received an error message that my SSN and DOB did not match their records ( I have not made changes to my account since signing up for the XXXX XXXX and neither of those data points would have changed ). I was, however, able to use my username and password on the MOHELA app I have on my phone, however after logging in it provides an error message that the app is no longer supported and links to the new platform established in XXXX of XXXX ( which is saying my login information is inaccurate and I'm unable to reset because according to them my XXXX and XXXX don't match what they have on record ). When I attempt to call MOHELA and it prompts me to key in my SSN to pull up my account information the automated system says it doesn't recognize it. The wait times have ranged from XXXX - XXXX XXXX  and I am also working during working hours so I've been requesting call backs from them but never receiving their follow up call. So not only have I been misled, my data has been somehow compromised, and I am being actively prevented from remedying through MOHELA because they will not adhere to the call back requests offered by their own automated system.
Product: Credit reporting or other personal consumer reports

My XXXX account and XXXX  were compromised XXXX XXXX. Phone ordered, and a XXXX credit card was requested by a phisher through XXXX XXXX cards. XXXX crazy XXXX. I did not know that existing banks and creditors can review credit report anytime, even with freeze, to make offers unless you elect " XXXX XXXX ''. I did and offers continue. At least XXXX XXXX calls with people trying to get my zip code especially - no way! I had placed freezes with all reporting bureaus several years ago through premiere XXXX. When I went to their sites, all sites said my freeze was temporarily lifted until XX/XX/XXXX. I did not do that. XXXX ( XX/XX/XXXX call transaction XXXX ) states that they have 5 days to notify me of a freeze lift - I never got a " heads up '' from them. This is so wrong. No one ever explained this to me- apparently legal minimum. Lots of fraud can occur in those 5 days - license to steal. Transunion and XXXX notified me of credit card filing, but not freeze lifting. XXXX is slow to the party on everything. I put a lock on XXXX, but you have to pay extra to do that on XXXX and XXXX. Clearly reporting bureaus are part of the problem. When XXXX and businesses can notify me right away of changes ... what is XXXX 's problem? It does not take 5 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  hard inquiries on my credit report that I have been done without my consent.  XXXX  from  XXXX    XXXX      XXXX   XXXX   dated  XXXX   XXXX   2017,   XXXX  from  XXXX   XXXX  dated  XXXX   XXXX    XXXX   and  XXXX  from  XXXX   XXXX  dated  XXXX   2017
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX points were deducted from my credit score once again by Transunion and XXXX in regards to my Federal school Loans. Each account drescribed my Point deduction to be because of a minimum Balance increase on 4 of my XXXX accounts I have received no notification of such action.
Product: Mortgage

Novad provided a response which was not accurate or correct to complaint case XXXX. Novad stated that I did not understand the time frame and has only called once since I submitted the original complaint. In addition, in the beginning which, I have documented. I was informed the process would take 6 to 7 months to complete by a representative. We have exceeded that and then some. XXXX agreed that this should have not been going on this long. In fact, he stated when I informed him that I was advised that HUD reviewed the matter in XXXX of XXXX. He said it was completed in XXXX of XXXX. In addition, on my call with XXXX I asked for a time line and he could not provide one. The only response was that its in legal hand. Furthermore, I will take responsibility for not getting XXXX contact information. I request a direct number and email address for XXXX and his supervisor.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text message alert from Chime asking if I have authorized XXXX to take money out of my account and I replied no. When I made it home I called chime and told them that it was not me making those charges and they said they would cancel that card and mail me another one. I never received another text alert about XXXX charges. I even received a email from Chime confirming the cancelation of my card. But Chime never did cancel my card and continued to let XXXX take money from my account. When I realized it, I called back and the Chime employee stole {$250.00} out of my XXXX XXXX account. Chime did reimburse me that money back a couple days later. I then received an email on XX/XX/XXXX stating that they did not see that ah error has occurred and they will not give me my {$1300.00} back. I demanded that they reinvestigate and to send me document on why they believe no error occurred. Chime then sent me the document they used to investigate my claim and they highlighted that I stated I had my card on my person at the time and that I store my pin in my brain as the reasons for denying my claim. I'm now on my third rebuttle for this claim and then on Wed. XX/XX/XXXX they sent me a email saying that after careful review of my account they regret to inform me that my account will be closed on XX/XX/XXXX. They are refusing to give me my money back and once my account is closed it will be even harder to get my money back. I am a single mother of XXXX kid, my youngest has a XXXX  XXXX, I can't pay my rent beuse of this and we bwill be homeless. I NEED HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, FACTUAL DATA add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXXXXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card

This is in regards to my former complaint XXXX. 

Citi has responded and acknowledged that I " left the account short by {$94.00} '' when I paid it off. I just realized that the morons at Citi forgot to take off the {$95.00} annual membership fee that was to apply for another year 's membership from XXXX XXXX XXXX. I asked for its removal when I closed the account as the account renewed XXXX day before I closed it. Their agent on the call agreed to do so. By that account, they owe me {$0.00}. Do the math. Guess what, I'll forgive you Citi. Enjoy your XXXX cents. 

I attach a record of the call as they claim they have no record.
Product: Debt collection

This company ( WAKEFIELD & ASSOCIATES ) which I hold No Contract with nor have received services from is

a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring locatio
n information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with
your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX  : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of   XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit card

bill received XXXX in mail, due XXXX ( instructions allow XXXX days ) Check written for entire amount owed and mailed XXXX received bill XXXX for {$39.00} in fees : {$30.00} late fee XXXX previous purchase XXXX paper statement fee XXXX minimum charge XXXX of {$39.00} No new purchases were made and I closed the account due to these excessive, wrongful charges. XXXX was notified of my information with request why it took until XX/XX/XXXX for my check to be submitted to my bank when it was mailed 22 days before? I have excellent credit, pay my bills on time and in full. They responded by sending another bill with more interest. What a " legal '' way to collect more money from those who pay on time and in full. I am on a fixed income and live on a budget. This large amount should be against the law which I thought was enacted in the early XXXX XXXX XXXX. All documentation can be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the the erroneous accounts and inquiries several times with you to no avail. You sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. I proceeded to access my Credit report through your respective websites and made copies of the information pertaining to : XXXX XXXX XXXX XXXX XXXX Balance {$52000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. It has been over 30 days since the Credit Bureaus received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.
Product: Student loan

Since I was a graduate I have had trouble paying my loan. The company has since sold my account to another servicer who was subsequently sued for the practice as follows : instead of offering me any income based repayment options while struggling, they pushed me into deferment and forbearance until my loan is no longer manageable. The minimum due every month is five times what I was originally told my payment would be after graduating. While the company has settled in court to forgive the private loans it held for ther students, they told me my loan [ ffelp ] was ineligible as it was a " govt loan '' not " private. '' As recently as today they pushed me into another forbearance and told me unless I consolidate into a " direct loan '' there is no other option for me. I can't do it! My loan is over twice it's original amount and I see no way out of this unbearable weight.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the investigation into Dispute Confirmation # XXXX, Equifax refused to accept my official documents showing my first delinquency that showed an account was outdated due to the negative information reported.
Product: Credit reporting or other personal consumer reports

A late payment shows on my report for XX/XX/2024. I've tried to have this removed by the creditor who reported this to the bureaus. This late payment is not accurately reporting and was not applied to the report under legal jurisdiction. It has affected my report and also affects me from receiving future loans, and getting the best interest rates available. I've never had a late payment with XXXX XXXX  or any other company in all of my 26 years of having credit. For 26 yrs payments have been made on time, and this is disheartening to see me being taken advantage of after doing the correct thing for so many years. The balance of this account is {$1900.00}. Monthly payment is {$61.00}. This mistake is costing me thousands right now because I am unable to receive a school loan for my daughters college tuition from lenders. I have currently been denied by 2 of the top lenders already. Only utilizing 52 % of my total credit limit. There's also unauthorized inquiries from Bank of America and XXXX. This needs to be fixed immediately.