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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$460.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was removed from my credit and is now being reinserted inappropriately. This is a very old account. 

XXXX XXXX XXXX Collection/ Chargeoff Learn More {$0.00} XXXX XXXX 2012
Product: Vehicle loan or lease

I purchased a Vehicle back in XXXX of XXXX from XXXX of XXXX and the lender Santander Consumer USA located at Santander Consumer USA Inc . 
XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

I have had this vehicle for 5 years and 3 months. I have paid a total of {$15000.00} but the company has delegated XXXX towards the interest of the loan and only {$630.00} towards the principal of the loan. I still have a balance owed of XXXX at an Interest rate of 22.57 %. 
When I request an estimated payoff quote, I receive this message on their website " The estimated amount to pay off your account is {$12000.00}. '' I am struggling to get the balance of this Vehicle down to the point I will own the Vehicle. I love the Vehicle and do not wish to surrender it so I would request that they lower the interest rate to something more reasonable or forgive the remaining balance due to paying off the loan balance within the past 5 years. 

If I continue to make regular payments, I will not have the total balance paid off by the maturity date of XX/XX/XXXX. 

I hope we can get this resolved. 

Thank you for your prompt response.
Product: Mortgage

By letter dated XXXX XXXXXXXX XXXX, Point Digital Finance , Inc., XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, ( XXXX ) XXXX, rejected my loan application for {$55000.00} stating that " we are unable to approve your application... for the following reason : Value or type of collateral not sufficient '' ( copy attached ) I have contacted Point by e-mail on XXXX XXXXXXXX XXXX to request a full explanation of their adverse credit decision. copy below : ******************** Gentlemen, The 7 word explanation for your adverse action rejecting my application is incomprehensible, and I request a full explanation. 

Your notice dated XXXX XXXX, 2021 said : " Value or type of collateral not sufficient '' The " type of collateral '' is a single family residence ( XXXX sq. ft on XXXX acres ) constructed in XXXX which has been in my family since construction. My late wife and I purchased this property from my parents in XXXX when they moved to their FL retirement residence. Please explain how this " type '' is " not sufficient? '' As to " value ... of collateral not sufficient '' did you do your homework of this neighborhood? My recent ( XXXX XXXXXXXX XXXX ) XXXX research indicates that this property has a median property value of nearly {$380000.00}. Other nearby similar properties are listed in XXXX with values from $ XXXX to $ XXXX. Some have less square footage than XXXX XXXX, and some have more. Note : 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 

As disclosed in my application documents sent via the internet to Point Digital Finance, I have a first mortgage ( 15 year term ) on this property with current balance of just over $ XXXX ; I make monthly payments of nearly {$2000.00}. Thus my equity is about {$180000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested an XXXX amount of {$55000.00}. So what is the " value... not sufficient '' issue? 

FYI : I am reviewing the Fair Credit Reporting Act, the Consumer Credit Protection Act, and related federal statutes and regulations to determine if I should file a red lining or similar complaint in connection with your adverse action on my application. 

XXXX XXXX XXXX
Product: Debt collection

Specialized Loan Servicing and XXXX XXXX  fraudulently on several levels attempted to collect a fictious debt. They were informed the debt if it existed was statutorily barred from collection, I was disabled and unable to if the debt existed. They wrote off this debt ( TAX FRAUD INVESTOR FRAUD ) even though they were informed in writing three times a 1099C would fraud and harassment, they sent me a 1099C for {$410000.00} on a non-existing debt. Additionally due to lies and actions by the ( XXXXXXXX XXXX XXXXXXXX XXXX ) and XXXX XXXX XXXXXXXX my home was lost as well as prior mortgage payments. 

The 1099C places a XXXX XXXX XXXX XXXX without assets at the mercy of the IRS for taxes, penalties, fees, interest on {$410000.00}! 

The attached documents prove these egregious actions most of which is supported in the Superior Court transcript attached. SHOULD THIS GO INFRONT OF A FACT FINDER the witnesses will ALL BE LAWYERS! other than myself. XXXX XXXX, XXXX and XXXX XXXX  XXXX have confirmed their actions in writing. 

I will share what I have with law enforcement and vetted Lawyers
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked all three creditors to remove inaccurate accounts off my credit report. They removed a couple of items and on some account they claim to have verified some of these account as accurate. Now according to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through the physical verification of the original signed consumer contract- ANY and ALL accounts they post on MY Credit Report. The Creditors HAVE NOT DONE SO. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed. These account have not been removed.
Product: Debt collection

XX/XX/year> I saw that CBE Group was on my credit report as a derogatory account and it started I was delinquent in {$130.00}. I dont know what this is or why its on my credit report. No one has reached out to me about any debts and I pay all my bills on time.
Product: Checking or savings account

I used my debit card at a store for lunch. When I returned to work, something told me to check my account balance, once I checked it, I noticed 11 unauthorized transactions. I immediatly called my bank, they imformed me that I had to wait for the transactions to post to my account before they could start the dispute. The transactions are as followes : 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, and all within minutes apart. I received an email from Chime stating that no error occured and that they would not get my money back to me.
Product: Mortgage

I have not received receipt of my Mortgage Loan Modification Application I sent via certified mail for the past 3 months. 
BANA has removed my ability to upload documentation to my borrowers portal making it impossible to provide additional documentation should you require it. 
BANA has failed to remove my loan from a foreclosure status though they have been provided ample and adequate supporting documentation providing you the proof that my loan application was received XX/XX/2018and moved to an attorney for foreclosure purposes less than 2 weeks later.
Product: Debt collection

This attorney represented a company who claimed I owed a debt. The debt was paid in XXXX. This office recently submitted a garnishment and money was taken from my check in the amount of {$720.00} on XX/XX/XXXX. I spoke with the attorney who ensured me the funds would be returned to me as the debt is satisfied. I was told to call the office if the check wasn't received by XX/XX/XXXX. I have left several messages with the office and no one has returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I disputed accounts with XXXX, XXXX, and Transunion. They have not preformed an investigation to validate the accounts. I also sent the credit bureaus a letter from the creditor stating that they did not report the fraudulent information to the credit bureau. Please assist me with this issue. This account is harming me from finding a home for me and my children.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have reported this Three times and nothing ever seam 's to get done. Litigation will follow. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. Listed below the accounts to do not belong on my credit report. 
XXXX. XXXX XXXX XXXX Wrong addrersses reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I was denied credit due to the inaccurate information shared by Transunion. Transunion did not receive my permission to use my private property for public use for there own profit. ( 15 U.S. CODE 1861 ( b ) Transunion is in violation of several of my consumer rights and also violated my private property. Also the information reported is incorrect as I am the original creditor. Transunion also in violation of improper credit reporting. I asked that TransUnion fix the inaccuracies on my report. I asked that Transunion removed all negative inquires off my credit report. As I am the original creditor.
Product: Credit reporting or other personal consumer reports

Over the last few months I have been disputing unauthorized inquiries on my account with all three credit bureaus, and they replied that the account has been verified and updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am inquiring about the settlement claim that I was not included in. I had a savings and checking account with Wells Fargo bank for many years and have not received any compensation for the settlement claim- I tried to contact Wells with no help with this matter. Please help THANK YOU
Product: Vehicle loan or lease

I call and reach out to them and let them know I was hospitalized months after, that was when all my savings ran out and let them know I was sick. I ended up back and forth to the hospital having out patients procedure in XXXX. I had no more money in savings and then I was order 3 more weeks of physical therapy but when all this happened I applied for XXXX. They came on XXXX XXXX XXXX and repo the truck. At this point I talk to a collector and they told me to call back in 48-72 hours later. I did and for me to retrieve my truck back I must pay {$23000.00} to get it back.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Profile Website Early Warning Systems consumer report. I have NEVER opened are used the following account numbers : Bank : 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 XXXXXXXX XXXX XXXX XXXX XXXX I don't recognize the following accounts in question. Im a victim of identity theft and I don't recognize these accounts on my report. Im requesting the following information be deleted from my Early Warning Consumer report immediately! I've attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

WELLS FARGO DEALER SVC, sent me a letter and said they errored on there part. and these 2 late payments need to be removed.

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

I NEVER REQUESTED OR AUTHORIZED A FRAUD ALERT ON MY CREDIT REPORT BY XXXX OR ANY OF THE OTHER REPORTING AGENCIES. 

please remove all FRAUD ALERTS. 

THANK YOU!
Product: Debt collection

I received settle in full offer from XXXX Bank dated XXXX/XXXX/15 ( see uploaded documents ) stating to pay {$280.00} within 45 days, which was paid to XXXX via check written/mailed on XXXX/XXXX/2015 via priority mail, which was cashed by XXXX Bank on XXXX/XXXX/2015 for account ending XXXX. I then received a collection agency bill dated XXXX/XXXX/2015 for {$280.00} from Vision Financial Corp after my check was cashed/paid to XXXX Bank. This violates the fair debt collection act to send someone to collection when the bill is already paid. XXXX made agreement not to seek further collection activity if settlement paid within 45 days, which it was.
Product: Checking or savings account

Citi promotion for new account published on internet with terms if $ XXXX funding new account by XX/XX/XXXX, maintain for 60 days to earn {$200.00} bonus. I met all criteria and am being denied promotional bonus due to discriminatory, unfair and deceptive practices. 
XX/XX/XXXX new account opened by telephone. I asked for bonus code but never provided. Agent told me not necessary. 
XX/XX/XXXX {$5100.00} funding posted XXXX XXXX, contacted Citi via their chat feature and was assured by multiple agents I met all criteria and {$200.00} bonus would post by XX/XX/XXXX. 
Bonus DID NOT post, contacted Citi to resolve. They told me there was no bonus and would not honor the terms. 

I contacted Citi multiple times via phone and no resolution. I emailed their board members no response. 

Please help to give me the bonus due. I did my part and this is creating harm to my family by Citi discrimination and unfair,, deceptive practices.
Product: Student loan

My federal student loans as part of my higher education were XXXX in the lawsuit XXXX v XXXX in XXXX. It was found my school engaged in tactics designed to lure in unsuspecting students who would not otherwise qualify, and take out loans with exorbitantly high interest rates in their name for their education. As a result of multiple lawsuits the company running the school shuttered in XXXX. As mentioned previously, my federal student loans were forgiven in XXXX, and the Department of Education was ordered to repay any monies paid toward said loans. 

There seems to be no recourse for forgiveness and reimbursement of the private student loans, which seems extremely unfair, given that they were determined in a court of law to have been fraudulent.
Product: Debt collection

I have asked CMRE to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Vehicle loan or lease

I took out out a loan to finance a XXXX XXXX XXXX through Santander Consumer in XXXX. We made timely payments up until the time in mid XXXX when me and my former partner lost our jobs due to unemployment. Santander did give us a few months of deferment due to Covid. In XXXX of XXXX, the car was totaled. The insurance company paid Santander the value of the car at the time, but there was a remaining balance of approximately {$7000.00}. I called as asked if there was any type of program to modify the loan amount as we were injured and unable to work. It was also still in the midst of Covid. I was told that due to the fact that the car was totaled, there was nothing that Santander would due for us. The outstanding amount remained and they would not put me on any time of lowered payment plan. My ex partner continued to make payments but could not pay the {$430.00} in full so the loan became past due, all while Covid is raging. 
Now over the past 4 months, the loan is being reported to the credit agencies as having late payments and has hurt my credit score by over 100 points. Again, today, I reached out to Santander and asked why they are reporting me to credit agencies and they denied it. Again, I asked for some type of assistance and was told there was nothing they were able to do. After looking over your web site, I see that creditors are obligated to try and work with consumers to pay their debt. Also, because of Covid, I have learned that late payments should not be reported to credit reporting agencies. Santander has ruined my credit, despite my attempts to try to pay what I owe. I never refused to pay the amount owed, I simply asked for some help to allow me to be able to make an affordable amount. 
I feel as I am being punished because of an accident. That is not fair and I feel they should work with me. They already have a settlement to its auto loan customers that they treated unlawfully with loans issued in XXXX.
Product: Student loan

I am paying my daughter 's student loans to discover because I co-signed with her. 
I have repeatedly asked for a monthly statement and do not receive one. I guess at the amount due each month. Also, when my daughter went to their website to to see if a payment had been received, it showed past due. She called and was finally connected to a real person and was told the payment had not been received. This was XXXX/XXXX/15. The check cleared my account the following XXXX XXXX/XXXX/15. My daughter checked the website again and it said the check had been received on XXXX/XXXX/15. When I looked at the back of the check, it cleared Discover 's bank on XXXX/XXXX/15. I just want a monthly statement sent each month. Also, I guess they sold one of my daughter 's student loans to XXXX XXXX. XXXX XXXX sends a statement each month. My daughter 's school was XXXX ( XXXX In XXXX ). She graduated and has not found a job with compensation sufficient to pay the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX XXXX. They have me reported 30 days late for XXXX & XX/XX/XXXX. On both instances I spoke with a representative and they assured me that I would not be marked late. I have had trouble with them previously when I had my last XXXX when they reported me late in error and then removed the lateness. 

The 2 late payments was removed and then all of a sudden put back on my credit report and I noticed it when I went to apply for a house loan and they stated you have late payments on your credit report. I am very frustrated with this organization and really wish I could turn this car in and not have to deal with them going forward. 

I was also discriminated against on a phone call not to recently ago when contacting XXXX the lady was very rude and talked down to me. 

As a result of these mistakes one of my credit cards went from a credit limit of XXXX to XXXX. I really need to be compensated for this issues and really wish I did not have to deal with them anymore constant mistakes over and over again. I hope this shines a light on them. 

All three credit reporting agencies are reporting the lateness despite my disputes. 

They are also reporting my XXXX XXXX when that car has been sold already. 

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

I had three AMEX accounts that were closed because someone had taken the Cards and used them fraudulent and made several payments on the account that were fraudulent. I continued to pay accounts off on time to a XXXX  balance and less then three years of the accounts being paid and closed all accounts and status were removed from all 3 credit reporting agencies. I also had the same issue with XXXX XXXX removal from all of my credit reports
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX