23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please read the attached letter, it pretty much explains what. I had tried unsuccessfully to fix this matter with XXXX XXXX in years past.. The Washington State Attorney General suggested I filed a complaint with XXXX XXXX new attorneys.to the Washington State Bar for fraud on the court and XXXX XXXX XXXX for copying a alleged promissory note. ( The Old attorney XXXX XXXX and XXXX including trustee XXXX XXXX  were forced to close in XX/XX/2017 because the DOJ and many lawsuits against them ). Since then the BAR dismissed my case but the Alleged Debt to service had been transferred from XXXX XXXX to Specialized Loan Service. I apologize it took this long to send this from the date of the attached letter. but I had a problem with the internet after the last snow storm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with each of the 3 major credit bureaus. I have provided substantial evidence of their erroneous reporting of my credit specifically a tradeline for XXXX XXXX XXXX who is notorious for sending wrong and fatal payment history data to all 3 credit bureaus. My evidence shows an online payment transaction history for the year 2016 reflecting no 30 day late payments were ever made to XXXX XXXX XXXX however XXXX XXXX Experian and XXXX XXXX XXXX refuses to remove the erroneous information which is a direct reason why I was denied a home loan.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts, and I have no knowledge of their origin. Under USC XXXX, I am formally requesting their removal within 15 days. I have included relevant documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Debt collection

Yes Jefferson capital system is saying that Ive owe them a debt from XXXX XXXX, Ive never heard or had any account with XXXX XXXX. I have received mail from Jefferson capital with someone else name its close to my name but its not me and I have submitted this to the credit bureaus trying to get this Collection removed from my report with no success.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regardinXXXX XXXX XXXXs handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX  has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Checking or savings account

Bank of America is my EBank and I use a debit card. On XX/XX/XXXX I purchased cigarettes at XXXX XXXX  for {$8.00}, but it took 2 days to process and did not come off my balance immediately like ALL OTHER transactions do! I believe they are up to something since I just started having my XXXX XXXX bill taken out of my account every month on XX/XX/XXXX. This is why I have avoided Auto Pay in the past! I did not get the screenshot that shows the balance, but do have the processing shot! I am XXXX and live on XXXX. Please keep an eye out for other complaints. 

Thank you XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX Balance : XXXX XXXXXXXX Balance : XXXX XXXX Balance : XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$360.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I had been trying to get help from CitiMortgage on a loan modification for quite a while with no luck. I got an approval from Keep Your Home California for {$25000.00} towards my arrearages and CitiMortgage still would not approve the modification. CitiMortgage eventually sent back the funds that XXXX had wired them on my behalf. That is when I hired the XXXX Law Group in XXXX XXXX to assist in getting a loan modification from CitiMortgage. XXXX XXXX was assigned to work on my file and she submitted the loan modification package on XXXX XXXX, XXXX. XXXX has an extensive mortgage background and felt very strongly that I qualified for the modification. On XXXX XXXX, XXXX XXXX spoke with XXXX at CitiMortgage who told her that my loan modification had been denied because the investor does not participate in HAMP and the investor mod was denied due to my " income not being an ongoing source ''. I have worked at my job since XXXX XXXX and do not intend on leaving any time soon. At this time a new single point of contact, XXXX XXXX, was assigned and XXXX told XXXX that XXXX would be calling her in XXXX to XXXX days. She finally spoke with him on XXXX XXXX, XXXX. He told her that it would be best to wait to resubmit the loan modification request until my XXXX loan was paid off. It was paid off in XXXX XXXX so XXXX re-submitted on XXXX XXXX, XXXX. On XXXX XXXX, XXXX the modification was denied again this time because : " The current income and assets provided is insufficient to offer an affordable payment solution ''. The denial letter gave us XXXX days to appeal the denial. On XXXX XXXX, XXXX Citibank filed an illegal Notice of Default against my property. Since I was still in the appeal process this is a violation of the California Homeowner Bill of Rights for dual tracking. XXXX filed the appeal letter on XXXX XXXX, XXXX proving that I do qualify for the loan modification and also contesting the illegal Notice of Default. The appeal was assigned to XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX told XXXX that the decline will stand per investor guidelines. XXXX asked her what the investor guidelines were and XXXX would not say. XXXX asked her for the XXXX and XXXX XXXX for the Investor which her office had requested but never received in XXXX XXXX. XXXX told her that the request needed to be in writing. XXXX sent out the letter that day and has still not received it so how do we know what the investor guidelines are? CitiMortgage also refuses to rescind the illegal Notice of XXXX.
Product: Student loan

I submitted my IDR application XX/XX/, according to studentaid.gov, EdFinancial received my paperwork on XX/XX/. On XXXX, I submitted a form through the contact us section of their website asking for a follow up. This was after I was on hold for 2 hours and the line was disconnected before I could speak to a representative. On XX/XX/ I was able to get connected to a representative that stated I needed to wait 20 business days but that they had everything they needed from me. On XX/XX/ I received an email response to my contact us submission advising to wait 22 business days. On XX/XX/ I followed up, as that had been 35 business days from XX/XX/. They never replied to this follow up. I called again spoke to XXXX on XX/XX/, who advised that my application was incomplete. He completed it with me over the phone and advised me to make {$10.00} payments, ignoring what the EdFinancial website stated was due. Today is XXXX  and EdFinancials website is still reflecting my payment amount as incorrect and I am past due. I am hoping that I will be able to get this resolved for find a solution through the CFPB. There were more phone calls, longer wait times, and no call backs but I didnt record the dates for those.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : 1. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Experian account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

3. Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

4. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

INQUIRIES : XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Multiple inquiry Removal Letter on XX/XX/2018 by certified mail in order to dispute information, in regards to 6 hard inquiries, that was being reported on my credit report. They received the letter XX/XX/2018 and they completed the request on XX/XX/2018. The request that I submitted included 6 hard inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate  and respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Debt collection

Pursuant to USC 1692 it is illegal for a collection agency to BUY a debt and come after to consumer for it, I did not consent to this or the harassment. I do not know who they are cause i did not sign anything with them. please completely remove from my credit report,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my report from Chexsystems. I wrote XXXX  XXXX XXXX and filed a complaint with CFPB writing to dispute the following false information reporting in my file. I have circled the items Account # XXXX and Account # XXXX stated it was closed down due to fraudulent activity. I have recently disputed this with Chex System and XXXX XXXX, this is inaccurate information reporting on my report. Im a victim of identity theft, I am requesting that these items be removed to correct this report information. 

Please reinvestigate this matter by deleting and correcting the disputed items that are showing on my report as soon as possible. 

In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account ( s ). The copies of the records can be mailed to me at the address listed Above or emailed to me at XXXX. In addition, please make these records available to law enforcement upon their request.
Product: Payday loan, title loan, or personal loan

My vehicle was repossed on the night of XX/XX/XXXX. I spoke with the tow truck driver and learned that there was title loan out on the truck. I proceeded to go in to the XXXX in XXXX XXXX, Az XXXX to get information on the title loan Tuesday, XX/XX/XXXX. The general manager then refused to provide me any paperwork on the title loan repeatedly told me that she had no clue who I was. I offered to provide drivers license, birth certificate, social security card, and any other identification she needed to verify that I was the owner of the truck. She refused to view any identification I offered to provide her. Since then I have tried numerous times to pay off the obligated amount owed on the loan to which they are refusing to accept payment for to get back my vehicle. I have spoke to 2 district directors for XXXX in the XXXX area to which both have refused to allow me to make the payment. As they only allow 10 days guaranteed to reclaim the vehicle I am about to be at that 10 day mark on Thursday, XX/XX/XXXX. I recorded the last conversation today with one of the district directors for proof of them denying my payment to recover the vehicle.
Product: Credit reporting or other personal consumer reports

Ive reached out to Transunion multiple times to remove unauthorized inquiries and addresses from my account but they have not done so after several requests.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I responded to a prequalified loan offer from prosper.com. I filled out their requested personal information and submitted the online forms. I received another email asking for my bank information so they could, I assumed deposit the loan into my account. I submitted the information to them ( routing number & bank account number ). I received yet another email asking if I wished to get accept my loan ( which I did ). Sometime later I received another email informing me that they were sorry that they could not offer me a loan. I am very angry as they represented this as XXXX a prequalified loan XXXX. This would not affect my credit score, but when I check my credit score there was a hard inquiry placed on my report. XXXX. They have my bank information as well, which they should not have, as there is a potential risk of a data breach ( and data breaches happen often ). I have retained the emails I have received.
Product: Student loan

I submitted PSLF certifications to FedLoan Servicing for previous years of employment with two organizations. Note, both organizations had been previously approved for PSLF eligibility. I just wanted to fill in the gaps to reflect my qualifying payments. I submitted the forms on XX/XX/21 for both organizations, unfortunately I used a electronic signature ( my fault ). On XX/XX/21 I received letters stating there were errors on my applications. I contacted FedLoan to see how I could correct the issue. I was told I needed to write a note with my signature and submit it. I did on XX/XX/21. However, afterwards, I got a feeling those directions were incorrect. I was finally able to speak with a specialist who said that a handwritten note is not acceptable and " FedLoan employees need to stop telling people to do that ''. I made the corrections ( signature ) and resubmitted the certification forms on XX/XX/21. In addition, the letters I received said that my previous and current employers needed to contact FedLoan for further verification. HR representations from both organizations called, and each told me that FedLoan really didn't understand why they were calling and I am the one that needs to take action. So, their time was wasted ( not happy ). Time went by and I reached out to Fedloan since I didn't hear anything. I was told the applications were still under review and needed additional time to process. The next month I reached out and I found out one of the applications was NEVER forwarded for review. I made sure that application process was initiated. For the other application, I was told employer eligibility was under review and needed time to process. Thankfully, the certification for qualifying payments with the previous employer was approved. I reached back out again to check on my current employers application to find out I am supposed to use a PSLF Help Tool? So I go to studentaid.gov and use the Help Tool and it generates a form to submit ... THE SAME FORM I SUBMITED IN XXXX! In addition, with the pandemic and loans being in forbearance.. My loans for some reason are not reflecting qualified payments even though I was in the appropriate repayment plan, working full-time with a qualified employer, and had XXXXXXXX XXXX. I am extremely frustrated with FedLoan Servicing!! I have been given incorrect information on numerous occasions, an application 's review wasn't initiated properly, and for some reason there are issues with my current employer, who had been previously approved? Why FedLoan? Why does this have to be so difficult. Finally.. why does studentaid.gov say I need to resubmit information for my repayment plan, but was never notified by FedLoan?
Product: Student loan

I contacted XXXX XXXX XXXX XXXX XXXX with a request to change the way my prepayments are applied so that the full prepayment amount goes towards the highest interest rate loan instead of first being applied as a normal monthly payment XXXX first part of the payment is applied to the principal of all of the loans even though this is an excess payment ). This is causing me to pay more in interest than I would be paying if all of the excess payment went towards the highest interest loan. 

As stated in 34 CFR 682.209 ( b ) ( 2 ) ( ii ) I have the right opt out of having my prepayments applied as future installments ( see end for the link ). So far my prepayments have been applied to future installments to the point that I do not need to make a payment until 24 months in the future. At this point I would like to stop my prepayments from being applied as future installments and instead have my prepayments go 100 % towards the principal of the highest interest rate loan ( after fees and interest ). 

XXXX XXXX XXXXXXXX XXXX XXXX has told me that it is impossible to opt out of having my prepayments applied as future installments despite being clearly stated in the Act. XXXX XXXX XXXXXXXX XXXX XXXX has also not provided me with any documentation that shows that my prepayments have to be applied in this matter. The master promissory note that I signed does not mention anything about this. 



XXXX XXXX XXXXXXXX
Product: Mortgage

My mortgage was refinanced in the amount of XXXX without my permission, Also to know use of mines as XXXX was added to my mortgage principle, I didnt receive a lower interest rate or cash out but its all written into a new contract by SLS this is unlawful and fraudulent doing by Specialized Loan Servicing as there hold no PURCHASE MONEY LOAN CASH ADVANCE bearing my wet ink signature, A LOAN mean Debt evidence by Promissory Note plus interest, A promise to pay doesnt constitute a loan.I have no contract with this corporation and would like them to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Mortgage

Our property has a loan with MR. Cooper ( policy # XXXX ). We discovered that Mr Cooper had been charging us for insurance when we already had insurance on our property. We called Mr. Cooper and were informed to upload our proof of insurance to the mycoverage.com/mrcooper site. After doing so we received a refund for XXXX. However, we were also charged in XXXX. I called Mr Cooper on XX/XX/XXXX and was told the refund was going to be processed and it would take 3-5 business days before a check would be sent to my address. Nothing arrived. I called on XX/XX/XXXX and spoke with XXXX. She told me she escalated it to a XXXX XXXX XXXXXXXX and it would be resolved in 7-10 days. She told me the amount I should expect to be refunded was {$830.00}. A check was never sent. I have attempted to contact Mr Cooper since, however I can not get a live person on the phone.
Product: Bank account or service

Each time my account dips low in balance the bank keeps my recent transactions as pending for days even though they were debit card purchases.then if write a check to purchase an item they pay the check and mark several items as insufficient funds