23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Between the years of XXXX, I worked as a XXXX XXXX XXXX in XXXX XXXX XXXX. This employment qualifies me for deferment and cancellation of the XXXX XXXX I received as part of my graduate school financial aid package through the University XXXX XXXX XXXX  For almost every year that I taught in this qualifying position XXXX XXXX XXXX XXXX XXXX ECSI XXXXXXXX has found one convoluted reason after another to reject my application for either deferment ( beginning of the school year ) or cancellation ( at the end of the school year. ) I have had zero issues with the XXXX XXXXXXXX XXXX XXXX XXXX which, in theory, works the same way. For example, one year they ( ECSI XXXXXXXX ) rejected my application because the school district checked boxes saying I XXXX in a XXXX XXXX  ( true ) and at a XXXX XXXX XXXXl ( true ), but according to the company they were only allowed to choose XXXX option ( though both qualified me for the forgiveness program ). Most recently they have sent my loan to collections because I signed my forgiveness form with a digital signature ( which they had previously accepted and now suddenly accept again ). I have sent in the corrected paperwork, however, the company refuses to reinstate and cancel my loan. As I have fulfilled my obligation to XXXX  in a XXXX XXXX  XXXX XXXX XXXX  ) in XXXX XXXX XXXX for five years, I believe that predatory lending practices on the part of ECSI XXXX are the only explanation for the situation I am now in. As a result of their malfeasance, I am not able to consolidate my other student loans for income-based repayment and PSLF because I do not want the XXXX Loan ( which is supposed to be canceled ) to be a part of that consolidation. ECSI XXXX needs to restore my loan and honor the cancellation I have rightfully earned. They also need to be prevented from preying on other lenders. I am attaching the form I originally sent during the XXXX school year that was rejected. ECSI has failed to even acknowledge the second form I mailed to them at the end of the XXXX year for cancellation. Unfortunately, I can not currently locate my own copy of this document, but I am confident my school district will again verify the completion of my contract at the end of the XXXX school year. It is, in fact, VERY EASY to verify that I have fulfilled my 5-year XXXX requirement. They are intentionally and obstinately ruining my life. Thank you for your help in resolving this distressing matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XX/XX/XXXX Dispute of Credit Reporting Inaccuracies - Immediate Removal Request I am writing to dispute inaccuracies in my credit report. Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I hereby demand the immediate deletion of the following inaccurate entries on 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 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 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 : Worst Delinquency/Older Derogatory Events inaccurate Payment History inaccurate Close Date inaccurate I remind you of your responsibilities under 15 U.S. Code 1681s2, which places obligations on furnishers of information to consumer reporting agencies. I expect you to communicate these disputes promptly to the relevant data furnishers for their investigation and correction. 

Attached are supporting documents including images of each account as well as a full credit report dated XX/XX/XXXX for your verification. I demand an expedited investigation and expect resolution within 30 days. 

Remove disputed items during the investigation, as mandated by 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Failure to comply with these requests may result in civil liability under 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1681o for negligent noncompliance. 

Thank you in advance for your attention to this matter. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021, it has been 6 months since my Mortgage Loan Account has been closed with a XXXX Balance with PHH Mortgage. XXXX XXXX has failed to provide me with the Law or a copy of the Actual Updated information in which PHH has illegally reported to XXXX  on my behalf causing me harm and lowering my credit score-XXXX points on XX/XX/2021. XXXX XXXX nor PHH has the Legal Right to Report or update any information pertaining to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XX/XX/year> to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Consumer Loan

On XXXX XXXX, 2016, I applied for a loan of {$1000.00} from bigpictureloans.com. I was informed that there would be a " finance charge '' of {$350.00} and that would be worked into my fixed payments. I agreed to this and accepted the terms of the loan as i was somewhat desperate. I was not made aware of the interest rate, nor that the first XXXX installments of the loan ( {$350.00} each ) were solely " finance charges, '' until after the terms were accepted. It was not until I logged into the account, after making the first payment on XXXX XXXX, 2016, that I was able to see the truth in lending disclosure. This states that my interest rate is indeed 1,073.2674 % APR and that the finance charge is {$8900.00} this makes the total amount i would be paying back {$9900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my credit report and realized an account that is reporting incorrectly. This account was paid in full and on time in XXXX XXXXHere 's a copy of my bank statement where the account was paid in full and should be IMMEDIATLY removed from my report. 

XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS PAID IN FULL AND ON TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian is reporting the following inquiries on my credit report which is a violation of my rights under FCRA -15 USC 1681b ( a ) ( 2 ). I did not give permission for XXXX to report this information nor provide my credit information to any of the following companies. When I contacted Experian to inform them of this violation I was again denied my right to have this information deleted and was told by representatives that I would have to have the companies mail in a letter to request deletion. The companies listed do not have the right to even access this information without MY CONSENT yet they are being given that right by Experian WITHOUT MY PERMISSION or a PERMISSIBLE PURPOSE XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Debt collection

Capital One inquiry date XX/XX/2022 I did not signup or register for this company this is fraud please remove now!
Product: Credit card or prepaid card

I became aware of 2 USAA accounts that were taken fraudulently in my name in XX/XX/XXXX. I notified USAA directly followed by sending them an identity theft affidavit generated with the FTC. I was unable to get USAA to correct the error. I then followed back up on XX/XX/XXXX and XX/XX/XXXX through certified service, proof of service attached separately. I once again formally disputed the ( 2 ) accounts, requesting them to adhere to both FDCPA and FCRA. Both times they failed to adhere to FDCPA and FCRA regulations by not responding. 

I had informed them of the following as a result, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I'm also aware that, " All accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX Kimball, Tirey, & St. John sent a process server early in the morning, to my Employers private home in order to serve me paperwork to pay for an 8 year past debt owed to an apartment property management company named XXXX XXXX XXXX in XXXX XXXX, Ca. I lost my job because of that. They had also called my place of employment threatening me. On XX/XX/XXXX Kimball, Tirey & St. John posted an illlegal 3 day notice on my door during the moratorium in retaliation of the current property management I am renting from which is XXXX XXXX XXXX dba XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. I had also been in contact with the property management before leaving for XXXX XXXX due to the XXXX Ive been dealing with at home. XXXX XXXX XXXX knew I wasnt going to be home as we had already set up an agreement via email. I contacted property management and they stated they knew nothing of the notice posted on my door by Kimball, Tirey & St. John. I have repeatedly illegally received 3 day notices to enter the premises as well for supposedly abandoning my apartment which I never have. They illegally entered my apartment and after that I had missing property. I filed a police report with the XXXX police department for theft of my XXXX package and wedding ring.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020
Product: Mortgage

I have a mortgage with Freedom Mortgage. XXXX XXXX XXXX. XXXX XXXX Fl. XXXX and when interest rates started to go down I started looking for a Refi I guess freedo found out about it and offer me half a point. from 3,25 to 2.75. 
at the same time, I had savings account with XXXX that was paying me 2. % but they dropped down to XXXX so I took my savings out and paid them to XXXX and on the XXXX of XXXX checked my balance and I owed XXXX so using some of my wives saving We manage to get that amount together and it was sent to Freedom. 
Two days later I checked my balance and I had XXXX still in debt I called them and someone gave me the runaround putting me on hold several times and said he will call me. 
Well, I sent them messages and they sent me a payoff showing XXXX but get this it shows My Taxes and hazard insurance paid off and XXXX in Escrow???? well I sent them another message and told them to take the XXXX out of the escrow and send me the rest asap. 
Well, I have not heard anything. 
Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of the accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. Transunion and XXXX will not follow suit and delete the inaccurate/unverifiable accounts, they have not verified the accounts. The creditors have not been able to verify the accounts either, but XXXX and TransUnion will not remove them from my credit profile.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> At approximately XXXX XXXX  I called Experian. The customer representative stated her name was XXXX XXXX, the call was 13 minutes in the entire call I was never able to get anything discussed or disputed. I was never able to speak on the concerns I had on the report. The Customer representative stated I would have to pay for any services that she has to do today. The customer representative stated if I didn't have XXXX to pay today, I could pay a portion. I asked over and over are there any services that I can receive from you without paying, Customer Representative stated no. I requested a supervisor. The lady was of XXXX  decent, and I don't know if race played apart but I do know the way I was treated was some form of discrimination. I called Experian back and spoke with XXXX and was informed the Representative was out of compliance. XXXX XXXX stated a request would be put in for a supervisor call back.
Product: Credit card

I had fraudulent charges being made on my credit card account on XX/XX/XXXX. I had received text alert on my phone regarding charges which I did not make and immediately called customer service to report these charges. I was being informed that my account will be locked, charges will be marked as fraudulent, and new credit card will be sent. However, representative did not fully lock the account and few days later more charges were being made. I again had called immediately to report those charges and was told that my new credit card is on its way. This representative did block my account as it should have been. I have my account on auto payment and so amount was paid. My account was reimbursed for that amount. However on XXXX statement, same charges were placed back 3 times and there was late fee and interest charges applied. I called the customer service and was told that it is going thru correction and it will be readjusted. Again, I paid the amount as it was on auto payment. These charges were not removed, and again in XXXX statement same charges were placed again 2-3 times and again it debited my bank account because of auto payment. This repeated in XXXX statement. I have called multiple times to Security Department of the credit card and spoke with different Escalation Specialist and every time, I have been informed that my account will be reimbursed. I was informed that it will be reimbursed 45 days from XX/XX/XXXX. I have sent them official certified mail with return receipt to explain why this is not been addressed, but I have not received any response. 

I called on today XX/XX/XXXX and spoke with XXXX who is Escalation specialist and explained the situation again and was told that she recognizes wrongful charges and she will send email to audit the charges and it may take 2 weeks. However, I have my doubts. I need help with this situation.
Product: Mortgage

I took an application with USA Mortgage also known as DAS Acquisition Company LLC on XX/XX/2024 with the loan officer XXXX XXXX XXXX 

DAS Acquisition Company LLC NXXXX # XXXX XXXX XXXX XXXX  # XXXX I have requested a legal loan estimate from them for weeks now and they still have not sent me a loan estimate showing the breakdown of my DSCR refinance. 

Every time I have requested a loan estimate XXXX has only sent me a text, email, fee sheet or just the XXXX loan application I took with him. 

It has been more than 3 days since my application with them on XX/XX/2024, and I have yet to receive any loan disclosures. 

Please audit this company and loan officer along with my loan and look into why they are withholding the necessary disclosures and information from me. 

thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND TRANS UNION needs to follow the consumer Protection Law. I disputed XXXX XXXX XXXX XXXX XXXX XXXX. I filed a complaint against both companies with the superior court of XXXX County based on reporting incorrect information on my credit file and negligence. in XX/XX/2020 XXXX XXXX XXXX attorney reached out to me and we settled because both companies were at fault on a proper loan modification and making correction to my credit file by removing 120 days late. I have asked experience in the past to properly investigate this account. the outcome of the dispute was that's XXXX XXXX XXXX and XXXX XXXX  or reporting it correctly. I believe XXXX  did not investigate or talk about this matter seriously. I am providing XXXX  with a court document and settlement with both Banks agreeing to remove the incorrect 120 days late. I'm expecting XXXX  to follow the law and make corrections to my credit file according to my call document. I was not selected as a XXXX XXXX customer so there is no reason select profile recessed can report me 120 days late. XXXX also refused to take my payments which is clearly stated in my complaint against the company. any of these leads showing on my credit report are not my fault actually I was damaged by XXXX XXXX  financially by reporting incorrect information on my credit files.
Product: Prepaid card

I was looking through my transactions today and I saw XXXX from XX/XX/XXXX at XXXX XXXX for XXXX XXXX that was declined. It says XXXX bill so I contacted XXXX they said that it wasnt them that tried to charge it. They said I dont have anything on my account for that amount. I want to know where this is coming from. Its obviously fraudulent if XXXX is saying that they did not try to take it out. I dont want them to keep trying and 1 day maybe get that out of my account. This is for cash app. My cash app is XXXX XXXXXXXX