23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing today to dispute the negative item on my credit report. This account listed below do not belong to me and must be deleted or blocked. 

XXXX XXXX. 

I noticed that you require documentation for such disputes. I reached out to my local law enforcement office, and they advised me to report the identity theft online at identitytheft.gov. They also instructed me to inform my bank, which is fully aware of the issue and has agreed to remove the item. However, they require your assistance in the process. I am including these reports in my letter to support my claim.
Product: Student loan

I have been faithfully paying my student loans since graduation via auto draft. An additional payment in the amount of {$100.00} is submitted electronically from my XXXX XXXX XXXX  ( XXXX ). On XX/XX/XXXX a payment was sent electronically to AidVantage but it was then rejected and sent back to XXXX. I contacted Aidvantage and they had no record of receiving or rejecting the payment. On XX/XX/XXXX another payment was sent electronically and AidVantage has not rejected it or applied it to my account. I contacted AidVantage and provided payment trace information for the XXXX missing payments but they have yet to contact me, apply them to my account or return them to XXXX. 

I believe AidVantage is systematically rejecting payments and creating barriers, preventing borrowers from making extra payments towards their loans.
Product: Debt collection

I disputed a collection for {$5300.00} back in XX/XX/2023 and recently opened a dispute XX/XX/2023 and it was closed XX/XX/2023, XXXX is the only credit agency reporting this nonsense. The collection with National Credit System is not mine, I believe Im a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Dear [ XXXX XXXX Loan Servicer ], I am writing to formally dispute the handling of my student loan due to the recent FERPA violation involving unauthorized access and mishandling of student loan borrower data. Given this breach, I am requesting an immediate review of my account and full loan forgiveness as a remedy for this violation of my federal rights.

My concerns include : 1. Unauthorized Access to My Student Loan Data Recent reports indicate that borrower information was accessed by unauthorized individuals. This is a direct violation of FERPA protections, which require my student records to remain private.

2. Failure to Secure My Personally Identifiable Information ( PII ) My Social Security number, financial records, and other sensitive data should have been safeguarded. This failure puts me at risk of identity theft and financial harm.

3. Breach of Trust and Federal Compliance As a borrower, I entered into this agreement with the understanding that my data would be handled securely and lawfully. This breach calls into question the legitimacy of my loan servicing and the Department of Educations compliance with borrower protections.

My formal request : Due to this serious violation of federal law, I demand full discharge of my student loan balance as an appropriate remedy. The government and its loan servicers have failed to uphold their legal responsibility to protect my private information. I should not be expected to continue repaying a loan that was mismanaged and that has exposed me to financial risk.
Product: Mortgage

On Q Financial, Inc solicited me for a mortgage refinance. I worked with a loan officer named XXXX XXXX who provided me with a loan estimate. Based on the financial information presented in the estimate, I decided that the savings I would see each month in my monthly payment from the lower interest rate and lower PMI it would be worth my time, money, effort, and hit to my credit score. He quoted me a PMI of $ XXXX/month. I filled out the loan application and provided all of the requested documentation. While waiting for conditional approval of my loan, I started receiving email communications from a few other employees regarding my loan. A new loan officer had taken over my loan and I had learned that XXXX was no longer with the company. I then emailed my new loan officer, XXXX XXXX, to ask if it were possible that I might be eligible for a lower interest rate or pmi than I was quoted based on the fact that my appraisal came in XXXX higher than anticipated. He said he would look into it. His response was a closing disclosure that had a higher pmi and a higher loan amount. In discussing the disparities in cost between the loan estimate and the closing disclosure, XXXX told me that he could not figure out how XXXX came up with XXXX for the PMI. He concluded that he must have entered the number manually and that he shouldn't have done that. I explained that the only reason I decided to proceed with procuring the loan was because of the savings I was quoted. XXXX said that the best rate he could find me was XXXX. He said that he was pretty sure that his company was going to have to eat the cost of the difference. He also said that underwriting was still taking a look at it to get it fixed on my disclosure. After a few days had passed I got a phone call from a VP at On Q to tell me they could not honor the pmi I was quoted and that my only 2 options were to either accept the new loan terms or cancel. He said that he couldnt legally pay the difference of my pmi. 

I believe that he is trying to prey on my ignorance of financial laws and regulations. I don't believe that an increase in pmi is justified when I didn't ask for any loan adjustments and my appraisal actually came in higher than anticipated. I have a feeling that I was duped into pursuing this loan by being quoted numbers that would sway my decision. Please help, thank you.
Product: Debt collection

A collection was placed on my credit report XX/XX/XXXX with a date of XXXX XXXX. I called on XXXX XXXX and sent a certified letter on the same day. The customer service rep said this debt was from XXXX XXXX but could not verify my address was the same. There were 3 different times this debt was put on my credit report and one after I disputed the debt. I asked that this be reported as disputed until RGS could provide more details to the debt and the customer service rep said she would need to contact the original creditor. This was not done.
Product: Credit reporting 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 confidentially under 15 USC 1681 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 15 U.S.C 1681 section 602 A.States I have the rights 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 1681 ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any of the following items of Information Any other adverse item of information other than records of convictions of crimes Which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting Knows or has reasonable causes to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX, XXXX. 
Account number : # XXXX Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account number : # XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account number : # XXXX XXXX XXXX XXXX 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 7 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.

15 U.S.C 1681 b- permissible purpose.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction with the inaccuracies found on my recent investigation of my credit report. The discovery of unverifiable, invalidated, and inaccurate items has caused severe distress and emotional hardship.

It is imperative to note that under the Fair Credit Reporting Act, all information reported on my credit profile must be 100 % accurate. However, the items in question appear to be in direct violation of this requirement, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

Your agency has a legal obligation to ensure the accuracy of the information it reports, yet it is evident that this standard has not been met in my case. I demand immediate action to rectify these discrepancies and bring my credit report into compliance with the law. 

Enclosed with this letter are copies of all correspondence previously sent regarding these matters for your reference and review. 

I expect a thorough investigation and prompt resolution of this dispute. Failure to address these issues satisfactorily will leave me no choice but to pursue further legal action.
Product: Mortgage

i have signed on a CD with the 30 years fixed interest rate of 4.25 % and total closing cost of {$29000.00} on the date ofXX/XX/XXXX. 
closing date is on the XX/XX/XXXX at XXXX and i received a call and email regarding to the new disclosure form that i have to sign due to that they cant honor the last disclosure that already been signed and they want to force me to sign the new document that has a interest rate of 5.1 % on the date of closing right before i go to title company.
Product: Payday loan, title loan, or personal loan

I was attempting to make a financed purchase of a XXXX XXXX from XXXX XXXX XXXX for my home office/XXXX XXXX on XX/XX/2020. On their checkout page the PayPal Credit Financing Option for 0 % interest for 12months made the purchase manageable for me. I applied for the financing through PayPal credit to make the purchase and was approved for only the pre-tax price of the computer. Upon check out I received repeated errors noting the payment processor was unable to authorize the account. After contacting PayPal ( processing ), my bank and my credit card, I was assured there were no issues on their end. I then realized my purchase was being denied due to my PayPal Credit limit being below the total purchase price ( with tax ). 

Upon requesting a {$300.00} increase of credit on the account on XX/XX/XXXX, I was denied. 
While I was able to close the account due to not being able to complete the purchase I established the line of credit for, the time, brief hits to my credit and lack of powerful computer leaves me behind on various projects I am currently engaged in. None the less to PayPal.
Product: Debt collection

CEO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Connecticut, XXXX, United States XXXX : XXXX XXXX, Senior Specialist Corporate Consumer Relatons Synchrony Bank XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX This is NOT a complaint, a query, a request for a statement/agreement and is NOT to be treated as one. By doing so, you will agree to pay {$5000.00} in damages. 

Do not refer to me as Mr/Mrs/Ms or any title, which is a legal fiction and is not me. 

By doing so, you will also agree to pay {$5000.00} in damages. 
Re : Account/Credit Card/Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX. 

I wrote to you on XX/XX/XXXX requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date, to validate the debt, will constitute your agreement to the following terms : 30 1. That the debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under The Fair Debt Collection Practices Act. 

Yours sincerely, By : Sovereign XXXX XXXX ' XXXX Authorized Agent and Representative for XXXX XXXX XXXX No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. WITHOUT RECOURSE NON-ASSUMPSIT Calls maybe recorded
Product: Debt collection

In 2013 I was told by XXXX XXXX XXXX that my second mortgage debt would be cancelled after my loan was modified. XXXX XXXX XXXX then transferred servicing of my mortgage to XXXX. XXXX did not complete my mortgage modification agreement with XXXX XXXX XXXX. XXXX charged off the second mortgage. XXXX owned company Veripro is now attempting to collect the charged off mortgage. 
First, the mortgage should have been cancelled and not transferred from XXXX XXXX XXXX. 
Second, I have communicated with both Veripro and XXXX that I do not agree to the debt they claim is owed. I have requested an itemized calculation for the said debt and have not received it. Veripro sent me a transaction history and loan documents. They did not provide a break down explanation for the amount they are attempting to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Mortgage

First, the categories of complaints you offer do NOT cover the reason I am filing a complaint. You need to add an " Other '' category... 

My Loan was again sold to a new Financer. I received written notice from my current mortgage bank in the mail on XX/XX/year>. The new XXXX assumes my mortgage on XX/XX/XXXX. 

XXXX weeks notice is a totally unacceptable time-frame for notice of a loan sale! What are the federal " rules '' regarding how much notice banks are required to notify?? 

Assume a retired person is on an extended vacation ; then returns after XXXX weeks, with absolutely NO notice at all!? 

Please respond with details regarding the XXXX requirements to notify... 

My current bank is XXXX ; the new bank is " XXXX XXXX XXXX. '' ( the name along implies fraud! I almost didn't believe this notice was " legit.! '' ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am asking for your help in addressing the issue of an inaccurate account listed on my credit report. This concern is impacting my standing as a customer, and I need these false accounts removed since they are reported incorrectly and negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted.The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made a purchase for {$0.00} and got back {$36.00} in cash. Total {$37.00} I was charged that and {$36.00}. I have contacted the merchant they do not have the {$36.00} transaction at all. The " bank '' over drafted my account and " double charged '' me. They tell me there is nothing they can do the merchant has to issue the refund, but the merchant did not make the mistake and they did not make the charge.. So, they are just not going to give me my money?
Product: Debt collection

I initially has a mortgage with XXXX XXXX. I filed for Chapter XXXX Bankruptcy in XXXX, case # XXXX. The bankruptcy was discharged in XXXX. XXXX XXXX went out of business in XXXX, and did not file a of proof claim with the bankruptcy court. This debt collection company has changed names multiple times to include XXXX XXXX, XXXX and now it is calling itself Shellpoint. I have contacted the company during all three name changes to dispute the claim, but they continue to state that the mortgage is owed. The last communication was XX/XX/XXXX. I am sending along the last communication with XXXX in XXXX. The company was then renamed Shellpoint in XXXX. I am also sending along the Chapter XXXX Trustees discharge summary and discharge order.
Product: Debt collection

Debt collector refusing to send validation of debt. 

Debt Collector also still calling AFTER I told them I was contesting the debt and that they need to send validation of said debt.