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

I have been an account holder of US Bank which is responsible for handling my XXXX income. The bank has consistently emptied out my bank account through some illegal banking practices that I can not pinpoint because of the information presented to the account holder. There have been numerous transactions by the bank and unknown merchants that cause my account to fall into a deficit. If I try to apply for a credit card or mortage? The bank denies my applications even though I have an adequate source of income. The bank, FDIC, and other law enforcement authorities have failed to provide protections for minorities who find themselves bankrupt, institutionalized, an/or homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX XXXX and XXXX XXXX that a hard inquiry had been reported on my XXXX Credit report on XX/XX/2020 from : Institution Information XXXX XXXX  XXXX  XXXX, MD XXXX ( XXXX ) XXXX This inquiry was not authorized nor requested by me.
Product: Credit reporting or other personal consumer reports

I have NO knowledge of the account/s being reported by this company!! I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY. I HAVE NEVER HEARD OF THIS COMPANY!! I AM VERY UPSET THAT THIS COMPANY HAS MY PERSONAL INFORMATION. I AM HIGHLY EMOTIONALLY UPSET THAT THIS COMPANY IS CONTACTING ME!!!!
Product: Debt collection

In XX/XX/XXXX, I had applied for an XXXX XXXX store credit card. I had never used it. In early XX/XX/XXXX, I had lost my wallet at a movie theater. I reported the card as lost/stolen to XXXX XXXX and XXXX XXXX who the card was financed through. I did not want a new card as I was unemployed as of the end of XX/XX/XXXX. 
Apparently at some point, this XXXX XXXX card was converted to a Synchrony bank card and there was a balance after it was reported stolen. I started receiving collection letters from a company called XXXX XXXX XXXX. They stopped collection after I sent a copy of the FTC Identity theft complaint to them and to XXXX. I had assumed everything was settled at that point. Now I am receiving collection letters from a Javitch Block, LLC collecting on the same debt. 
Javitch Block, LLC is not even licensed in the State of Tennessee for debt collection. I have filed complaints regarding this as well.
Product: Student loan

Since XX/XX/2018 XXXX XXXX Private Student Loans have been attempting to process payments on my loan. They have been threatening to default my loan. I have provided 3 separate debit cards. Each of these cards were declined upon attempting to charge a payment. The accounts have money on them and the bank states that XXXX XXXX is sending strange transactions in the amount of XXXX $ and that it is their problem processing payments. XXXX XXXX opened an investigation into this matter but is still threatening to default on my loan. This is causing me a great deal of stress and depression. I am under constant threat by XXXX XXXX for their own system issue. I am willing and able to make payments from the same card I use to buy groceries and withdraw money from every single day. The manager of my account at XXXX XXXX XXXX XXXX XXXX lied multiple times about events on my account. XXXX XXXX claimed that I have not provided my checking and account number when I have and claims that my bank said that I do not have money on my account. When I called my bank multiple times, even with a XXXX XXXX representative conferenced in, they said I had money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I noticed the student loan on my Credit Report about 6 years ago. I immediately reached out the companies that were listed on the loan to report this inaccurate information and that I never attend school or sign up for a school financing loan. 

I was told to contact the school that was listed, and they should be able to help me. So, I searched XXXX XXXX XXXXL and the number listed was disconnected and no longer in service. So, I called back to the student loan company and then was told that school had closed and was under another name by XXXX XXXX. I tried to reach XXXX college and was told the school closed a few years ago also. 

So, I called the loan company back and was told when a school closes it must submit all its files to the state and I may be able to receive a copy of the transcripts. So, I contacted the XXXX of XXXX for the state of Wisconsin. I waited almost 3 months and then when I called back was told the records couldnt be found and I would need to contact the 3 major credit bureaus to handle this if it was fraud. I have since been sending letters month in and month out to try and get this removed from my credit report. 
I was told by the Credit Bureau to file a police report even if it happened years back which I did. I was told to file an FTC Identity theft report which I did. FTC report number XXXX. I sent this into the Credit Bureau and waited nearly 30 days to be told the XXXX XXXX XXXX XXXX validated this information and it could not be removed. Thats what I have been told repeatedly. 

My last attempt I was told by the supervisor to contact XXXX XXXX XXXX XXXX to see if I can do a signed Affidavit stating I never had any student loans that I signed up for or nor did I attend any school by the name of XXXX XXXX XXXX or XXXX XXXX. I did this also < affidavit stating I have no knowledge of this account and never made payments to this account. I was told a payment was NEVER made on it. I waited on the process. DOE ask for more information like an old DL or something bearing my signature after I sent my current XXXX DL. I did that also. Then I was contacted by an advocate for DOE and she just plainly stated.. This is your loan and you have to pay it. Nothing else we can do about it contact the collection agency and work with them. 

I continue to fight to get this removed - XXXX XX/XX/XXXX XXXX said they will finally remove this account due to fraud. But Transunion is stating they can only open a dispute which I have done almost 22 times and still they have not removed it. I need help and someone to step in for this is not right. This account was reported to them on XX/XX/XXXX which according to FTC rules I can request to at least have it removed due to statutory limits of the 7 year tradeline rule. XXXX  was the first to remove this account as fraud like 2 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get some proof of this account that is being reported as a derogatory on my credit report by Jefferson Capital System, I have sent certified letters on XX/XX/2021 which I have included proof that they received on XX/XX/2021 but I still have not received a response from them, I reported this dispute to the credit bureaus and it was removed only to be put back on my credit report the following month without providing me any sort of proof that this debt belongs to me which I assure you does not belong to me, I have been with XXXX XXXX  for over six years so I would not need the services of XXXX. I am requesting a copy of a drivers license, signature, copy of a contract, or anything that I could use to prove this is not my debt.
Product: Debt collection

I received a notification from my employer on XX/XX/XXXX advising of garnishment based on a notification from Automatic Data Processing ( ADP ) Inc. ordered by one of the courts in Virginia. I relocated from the state in XXXX of that year and was unaware of this. This was a civil suit auto loan company where I returned the used vehicle in XXXX after spending more than approximately {$10000.00} in multiple repairs. It was a lemon, and it was not sustainable for my family and me to constantly pay someone to repair the vehicle. I needed something dependable and cost-effective. The garnishment comprised 30 % of my income. I am the sole provider and was also at that time. I was unable to pay my bills with limited income and was at risk of not paying my rent, utilities, etc. Additionally, I tried contacting the company numbers provided in the letter. I was advised by ADP to contact the law firm. I called and left a couple of messages with the law firm but did not receive any returned phone calls. The garnishment continued until XX/XX/XXXX. 

Unfortunately, I received another court document by mail in late XXXX for XX/XX/XXXX, followed by an email the next week. The garnishment letter noted an effective date of XX/XX/XXXX with 25 % garnishment of my income for the same auto loan company for approximately an additional $ XXXX. The total amount to be awarded is nearly {$40000.00}, which is significantly greater than was owed in XXXX. This second garnishment puts me at risk of not being able to pay for housing, utilities, prescriptions, etc. I never received any communication from the auto loan before all of this. I have been living in another state for one year. I need help and have attached documents per instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I disputed the XXXX XXXX  entry reflected on my credit reports with Equifax and XXXX  Credit Bureaus. Both bureaus alleged that XXXX had verified, yet not validated the debt. To that end, in XX/XX/2020, I sent XXXX a dispute letter requesting debt validation ( See attached copies ). XXXX is in receipt of the letter due to me not ever receiving it back as returned or undeliverable ; however, to date, they have opted to not respond. 

This is a blatant violation of my consumer rights given XXXX never sent me a dunning letter prior to inserting this derogatory entry on my credit reports. I have never done business with this company. Additionally, the reporting among Equifax and XXXX  differs. The continuous negative reporting of this entry on my credit reports does not reflect my creditworthiness and has led to me being denied credit. 

Since XXXX did not provide : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt How then are they reporting this information as if it is accurate? 

I am requesting that this entry be deleted/removed immediately from my credit reports due to their failure to follow FCRA, FDCPA, and FDBA.
Product: Debt collection

Americollect XXXX XXXX This account has been paid to the original creditor. The collection agency above has now reopened the account and named themselves the original creditor. XXXX XXXX has noted that the account has been closed then reopened and have advised me to dispute. This makes the reported information untrue
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has deleted a negative payment history twice and '' re-inserted twice '' on  XXXX   XXXX   XXXX   XXXX  SOLUTION WOULD BE TO DELETE THE ENTIRE ACCOUNT AS   XXXX   AND  XXXX  HAV E DONE.I never received any notice of re-insertion as the law proscribes.I have attached a secondary sou rce report of  XXXX  The last  time I sent this to equifax they removed the payment history in 3 days.It is getting tiresome to dispute this account over and over with Equifax.Please delete the account so the negative does n't reappear.RE-INSERTION without notice violates the FCRA.
Product: Credit reporting or other personal consumer reports

This account was charged off as a collection on the following date XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with XXXX but the account status is also being reporting to being an Open account which is also inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX & TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX TRANSUNION Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

XXXX claims to offer low interest rates for auto loans and makes you fill out a decent amount of information and they pull your credit without you knowing so. Not only was my credit pulled once, it was pulled FOUR times!!! Credit that i have worked so hard to build!!! This took place Monday, XX/XX/XXXX.
Product: Credit card

I received the best buy credit card with zero interest for 24 months. I paid most of it but did not realize it ended. All of a sudden they add {$800.00} to my account. Saying I missed the deadline. I asked how much did I owe. They said XXXX dollars. So they told me they will remove it if I pay the XXXX dollar which I paid immediately. They said this is a one time lifetime courtesy. They said 2 billing cycles to apply. Today I call up and I am told that I have to pay. No one informed me and I saw the whole card of what I owe is the extra interest. I asked why. They said the request was rejected to remove the XXXX dollars. So I asked why did they tell me it was a one time occurrence and have me pay XXXX dollars if they were not going to do it? They just refused. I think it is unfair. I think I was misled and basically told to bad you have to pay. I just feel I did n't pay XXXX dollars and they charge me XXXX is horrible. so I feel mislead.
Product: Debt collection

I paid the account with XXXX XXXX XXXX in full as everything was due up front before a dental procedure was done because they were out of network with my insurance. I then noticed months later on my credit report there was a listing for Financial Account Services Team for {$670.00} with the original creditor. I disputed it three times through XXXX and XXXX and the third time, I received a call from the company. I asked them to give me dates and to send an itemized statement showing me exactly what it was for. They threatened legal action but refused to send proof of the charges and still refuse to remove from my credit report.
Product: Mortgage

Through Rocket Mortgage 's website, I applied for the biweekly payment program. Payments are scheduled every two weeks, with 26 payments per year. I made the first biweekly payment on XX/XX/2023. On the Rocket Mortgage website, it says " XX/XX/XXXX Your {$2400.00} payment has been applied. '' I also made some extra principal payments ( separate from the biweekly ), and it says the same thing for them ( e.g., " XX/XX/XXXX Your {$1000.00} payment has been applied. " ). Today I went into the website and if you scroll down below all those entries, it says " Partial payment ( unapplied ) {$2400.00} '' as of today. And I can see that the {$2400.00} has not reduced my loan balance at all. 

Today I chatted with Rocket Mortgage and he said that in fact the biweekly payments are NOT applied to my loan until I make a full payment. So the payment is NOT applied -- in contrast to what it says above on the website. The chat representative explained that " if online says unapplied it is being held in unapplied. '' Then he added that " So we never stated that the half payment would be applied directly. The true benefit of biweekly autopay is that the 2 half payment are being applied to principal that will shorten the loan term and help save money on interest. If you want the funds to be applied right away, you would need to schedule the monthly payment in full. '' When I asked what " unapplied '' means, the representative answered " Unapplied to a 'cold account ' that is where we hold funds until the payment is received in full. '' When I signed up for biweekly payments, it did not say that they would hold my money until a full payment was made. Rocket Mortgage is holding my funds -- without notice unless you dig down into the website. They are holding that money in an account ( presumably ) where they earn interest on my money while they of course are charging me interest on my loan. Obviously it's fine that they are charging me interest on y loan, but they should either ( 1 ) state clearly that they will just hold the money for their own benefit until I make my second payment to bring it to the full amount due OR ( 2 ) apply it immediately to my loan balance ( which is what is suggested when the website says " Your {$2400.00} payment has been applied '' ). This is deceptive and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate and unverified information on my credit report that is harming my reputation as a consumer and ability to make necessary banking transactions. ( Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$22000.00} and amount of {$1100.00} past due allegedly owed to XXXX XXXX XXXX. Reporting alleged debt of {$3000.00} allegedly due to XXXX XXXX. Reporting alleged debt of {$420.00} allegedly due to XXXX XXXX XXXX  who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly due to XXXX XXXX who I have no written contract with. Reporting alleged debt of {$100.00} allegedly due to XXXX XXXX XXXX who I have no written contract with. Reporting alleged collection from XXXX XXXX XXXX XXXX XXXX who I have no written contract with. Violations of 15 USC 1692b ( 2 ) stating that I owe Debt. Violations of 15 USC 1692d ( 1 ) using language that causes harm to my reputation as a consumer and is hindering my ability to conduct banking transactions. )
Product: Mortgage

Our loan was transferred to Shellpoint Mortgage.Our old company was XXXX, I got behind in my mortgage due to XXXX XXXX  and my medication cost and then loss of job. XXXX was working with us but when we transferred to shellpoint we were told we are in forclosure and they will not help us, we have to reinstate the whole loan or house will foreclose. If I had full reinstatement it would have been paid already. I was told by my POC that our company does things different and we cant help. I am XXXX, I am in XXXX XXXX XXXX on XXXX  and a XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and they are going to put me and my wife and 12 year daughters in streets all because I am not allowed a repayment plan. Can anyone help me? I was told I cant have repayment plan or forbearance because I am in active foreclosure. How can I be in foreclosure when I still have a forebearence agreement with my former mortgage co. So apparently shellpoint is doing shady things to let my forebearence run out, it ends on XX/XX/XXXX, so they can forclose. Because I was told by POC I cant get help so they are not trying to help just create more problems.
Product: Credit reporting or other personal consumer reports

I request that you : 1. Investigate the disputed late payments and promptly delete or correct any information that is inaccurate or not in compliance with the XXXX XXXX. 
2. Provide me with a copy of my updated credit report.

3. Cease reporting the erroneous late payments to any third parties until the investigation is complete. Please consider this letter as formal notice. 

Proof Is attached of Payments reflecting updated current and not late.
Product: Mortgage

I submitted an initial complaint accusing EverBank Mortgage of committing predatory lending in XX/XX/XXXX on a second mortgage or home equity line of credit ( HELOC ) and of committing fraud on their current handling of the loan. EverBank responded to my complaints. XXXX continue to take issue with their responses to the following : * In my complaint I state that the EverBank Home Equity Line of Credit ( HELOC ) or second mortgage should have been dismissed in my Home Affordable Modification Plan XXXX HAMP XXXX. EverBank responded by saying that it should NOT have been dismissed in my HAMP because it was not a part of the first lien on my home ( see pg. XXXX paragraph XXXX ). However, according to the Making Home Affordable website, " If your first mortgage was modified under the Home Affordable Modification ProgramSM ( HAMP ( R ) ) and you have a second mortgage on the same property, you may be eligible for a modification or principal elimination on your second mortgage through XXXX '' ( https : XXXX ) *I also stated that since the Everbank loan should have been included in my HAMP, the loan should be dismissed. EverBank stated that they can not dismiss the loan because it was not able to be included in the HAMP and because of the repayment plan agreement I am responsible for HELOC debt. ( see pg. XXXX paragraph XXXX ) * In my complaint I indicated that EverBank is reporting to the credit bureaus that the HELOC is charged off and closed even though we set up a repayment plan on the same account under the same account number in XX/XX/XXXX EverBank cites the repayment plan in their response ( see pg. XXXX paragraph XXXX ). 
*EverBank continues to report this account as charged off and closed to the credit bureaus without reporting that we agreed to a settlement on the account for a lesser amount under the same account number. EverBank attests to this in their response ( see pg. XXXX paragraph XXXX ). 
*EverBank is not reporting the monthly payments that I am making on this account and that that they will NOT report my monthly payments to the credit bureaus. They will only report when I have paid the total balance of the modified repayment arrangement in full ( see pg. XXXX paragraph XXXX ). 
*In my complaint I also stated that EverBank was not providing monthly statements for payments that I am making on the account. EverBank stated in their response that they are not able to provide me with monthly statements as the account is no longer an active account ( see pg. XXXX paragraph XXXX ). 
This takes me back to my initial complaint. EverBank admits to reporting to the credit bureaus that the account is charged off and closed. EverBank admits to not reporting my monthly payments on this account to the credit bureaus. EverBank admits to not providing me with monthly statements and that they are not going to provide statements. EverBank admits that they consider this account to be not active, but they want me to make monthly payments.
Product: Credit reporting or other personal consumer reports

I recently sent a complaint to you about TransUnion as well I made a complaint on XXXX  about XXXX. Both responded that they could not move forward processing my notarized affidavits due to no identification I feel that was a stall tactic and I am now asking for you to help facilitate and oversee this process. In Commercial Law an unrebutted affidavit stands as judgment. I have attached all documents and resending them to TransUnion as well I will make a complaint on XXXX and XXXX. I have prepared my legal team the XXXX XXXX XXXX, XXXX if the agencies continue their willful non-compliance.