23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I filed a claim XXXXagainst XXXX for not being able to accurately connect me with student loans. You guys responded with none of the loans were of wet signature and all of them were signed via electronic. When indeed XXXX XXXX XXXX anything that I did it financially whether it was through XXXXXXXX XXXX XXXX or the money that I was receiving due to me being in a in foster care were signed with a wet signature. At this time XXXX XXXX XXXX  was over these alleged loans maybe you guys can acquire accurate information from them. Because I believe that's how the debt was given to XXXX. So they are accusing me of signing it via electronic when I did no such thing. 
If not able to do so then I demand accurate information about those years in question or to delete / remove the alleged debt permanently from my credit report. I want a investigation of fraud for the following amounts : {$5500.00} for Loan Sequence 1, and {$7700.00} for Loan Sequence 2.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXXXXXX XXXX  ran my credit with ; XXXX XXXX, XXXX and Experian XXXX XXXX, XXXX and Experian then sold my information to mortgage lenders. Today, XX/XX/2023, I have already received 27 calls in 2 hours from individual mortgage lenders. I have asked them to stop calling and have blocked them. After contacting XXXXXXXX XXXX i was told that in all probability these groups probably sold off my personal information, which is interesting because these are supposed to be the safe organizations.
Product: Checking or savings account

I have had an issue with Wells Fargo notoriously submitting pending transactions to cause overdrafts. I've had about 10 overdrafts in the past month and EACH and every night I double check my account to make sure I'm in the positives. Then the next morning they slam with overdrafts. For {$1.00} charge I have to pay {$35.00}! It's not right at all how they decide to do pending transaction the day before! Please help. I've called them and they aren't helpful.
Product: Mortgage

I have been with XXXX XXXX XXXX XXXX XXXX XXXX XXXX who is being serviced by Fay Servicing ; so all of my supporting documents were forwarded to Fay Servicing for their underwriters to ultimately approve getting me a mortgage modification. Over the years, their requested documents were sent multiple times as they became out dated due to the long review process. I was forced to file for suggestions of Bankruptcy to stop previous Foreclosure Sales giving Fay Servicing more time to work with my case, until the Court issued an injunction which prevented me to save the house. On XXXX/XXXX/XXXX the specialist I worked with had called to request more documents and on XXXX/XXXX/XXXX, the house was sold in a foreclosure sale. I believe the Bank was not in compliance when they sold the house while the documents were being underwritten. Please help me, CFPB.
Product: Credit card or prepaid card

I travel alot and i'm not always around most of the time. I have not had any issues with Citi bank since i have been a user since XXXX. I have always paid on time. I decided to check all my credit card accounts online on XX/XX/XXXX and i noticed my Citi XXXX XXXX XXXX XXXX XXXX has been used aggressively and most of the charges where made by someone else apart from me or my authorized users who had access to one of me and my authorized user cards. We personally only made few charges and the rest is not our doing. I made this clear to the bank and they told me everything i have been saying doesn't had up. How I'm i supposed to know how my cards where used. If i had not checked on time i'm sure it would have been more than these amount. I confirmed from the customer care that the amounts is summed up to be {$42000.00}. I am so frustrated right now. Reading reviews online about what people experienced and what the customer care told them has been the exact thing i am being told. I never made any of this charges and i was also told i am not responsible for paying them back. But they make it sound as if i am going to be the one paying the full amounts. I have cancelled the old card and i have gotten the new card shipped to my address but i haven't activated it yet till this issue has been fixed
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Hope you straight Im writin to let you know I dispute this debt under the Fair Debt Collection Practices Act Dont need no extra proof or paperwork just wan na make sure you know I dont agree with it If you need to reach me do it by email only Monday to Friday XXXX to XXXX XXXX XXXX XXXX Any other way like callin leavin voicemails or sendin mail through USPS XXXX or XXXX is a hassle for me Thanks for understandin
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equi fax data breach. I want these items " deleted '' from my credit reports effective immediately. I am attaching my proof that Equifax has admitted fault and that I was a victim of this data breach and Equifax has done nothing to provide resolution ( XXXX ). Please help me to delete these illegal accounts that are reflecting negatively on my credit reports.
Product: Credit reporting or other personal consumer reports

Spring Oaks Capital LLC is reporting fraudulent inaccurate information on my credit report. Ive requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. Also spring Oaks Capital LLC company isnt authorized or have a license to conduct business or collect debt in the state of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.XXXX
Product: Credit card

XXXX XXXX 10potentially negative months {$44000.00} Closed Account info Account name XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Open Account Date opened XX/XX/XXXX Open/closed Closed Status - Status updated XXXX XXXX Balance {$44000.00} Balance updated XXXX XXXX, XXXX Credit limit - Monthly payment - Past due amount {$41000.00} Highest balance {$58000.00} Terms - Responsibility Individual Account Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days Late - Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX SOMEONE CHARGED MY CARD FOR XXXX for a timeshare i never purchased and XXXX for a flight to XXXX XXXX i did not go .they are fraudulant charges please removed thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information pertaining to complaint # : XXXX. On XXXX XX/XX/2022, I filed dispute complaint # : XXXX with CFPB and they sent it to Transunion on XXXX XX/XX/2022 ; Transunion did not respond until XXXX XX/XX/2022, which is well past the 30 days congress gives the credit agencies to respond. This is in violation of 15 usc 1681i ( a ) ( 1 ) ( A ). According to my credit report the above accounts were not deleted and/or updated per my dispute. 

I filed the following complaint : 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 a account without my written instructions. 15 U.S.C. 1681s ( 2 ) : States In accordance with the Fair Credit Reporting Act, XXXX  Account # : XXXX has violated my rights. 15 U.S.C. 1681 section 604 A : States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : States ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Since you have completed your reinvestigation and still did not delete and remove accounts and information per disputed request, Now I am requesting my entire consumer credit file and report, as well as exercising my right under 15 usc 1681i ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 usc 1681a ( e ) I want to know exactly who you spoke with, and the method you used to speak with them. I also would like the name of the company who furnished this information and the name and employee number of the employee whom you spoke with. Pursuant to 15 usc 1681a ( e ) I an demanding the following : Which neighbor did you speak with? Which associate did you speak with? Which friends did you speak with? Which acquaintances of mine did you speak with? Was the information that you received factual? Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this information must be permanently removed from my consumer report. Your company shall immediately cease and desist any and all collections of this alleged debt because you no longer have the right to assume it is valid since I have already disputed the entire amount in my previous letter.
Product: Debt collection

Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX and what actions s/he has taken in relation to this account.
Product: Debt collection

I do not have a contract with Portfolio Recovery XXXX, account # XXXX, and do not owe this debt collector the stated XXXX as reflected in the email correspondence they keep sending me, the consumer. The original creditor, XXXX XXXX XXXX, has charged off this account XXXX the following date : XX/XX/year>. This debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-off is considered income, it must also be removed. According to IRS regulations, income can not be reported on credit files as they are considered a certificate of indebtedness and it is possible that a XXXX will be issued. I request assistance in reviewing the charge-off amount associated with the original creditor. I also request that an inquiry be made to the third-party debt collector, Credit control for actual verification and validation affirming that they have a contract with me bearing my signature. XXXX XXXX XXXX XXXX XXXX XXXX  by the Fair Credit Reporting Act have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the privacy rights. By providing misleading information, this has affected my ability to receive credit and I demand that this erroneous debt be removed from my credit file immediately.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

15USC 1681 section 602 ( a ) states that I have a right to privacy.

As per 15USC 1681 section 604 ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Transunion has violated my rights with the reporting of a bankruptcy that was not the result of an order from the court nor at the request from the court. This claim against me is without my approval, written consent, nor agreeance. This company have not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request that you remove the below mentioned information from my Consumer Report : XXXX XXXX XXXX XXXX  If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like the following fraudulent accounts removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C1681 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 handwritten instructions.
Product: Mortgage

Hello, This is a complaint about Nationstar Mortgage ( their website is mynationstar.com XXXX : # XXXX ). This company failed to inform me about my escrow found increase for the month of XXXX. On XXXX XXXX they received my XXXX mortgage payment that was short of {$39.00}. This organization sends me advertising emails weekly and even thru XXXX!!!!? But when it came to important info they failed to contact me. 
I received a phone call from them around XXXX XXXX informing me that my payment was short. I explained to their representative that I was not aware of the issue and the rep waved the late fees since I was always paying on time as long as I sand remaining payment immediately. ( This info is easy to check since they say that they record all the phone calls ). As I promised I sent them a remaining payment of {$40.00} ( I rounded up the required {$39.00} ) that was received on XXXX. On XXXX XXXX they received my new and increased XXXX mortgage payment of {$2500.00}. 
Last week I received call from Nationstar saying that I 'm " late again.. '' (!!!!? ). The rep told me that since my XXXX payment was short their " system allocated it in a principal payment and I still owe them regular payment ''. I explained my conversation with them in XXXX on XXXX XXXX payment of {$2500.00} was received and I got bill in a mail for 2 months plus fees of {$69.00}. 
It seems to me that it could be new way for banks to try to reposes homes from FHA home owner like me. Take a payment, blame computer system on misallocating it, put extra financial burden on home owner, reposes the home and split bonuses for a great banking work!!! 
Can some one help me with this problem? 
Thank you
Product: Debt collection

This was removed from my credit profile because account was paid by XXXX XXXX the proof was sent twice to the supervisor of the collection agency and also to the client for which his collection agency is collecting for. Even though agency when I called they advised me if was removed again from my credit file it has not request this collection agency be fined for improper collections acts. This agency just reported to collection agency without sending a letter or calling prior to placing in my credit profile. Something should be done to prevent from happening
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a certified letter in the mail from Credit International Corp stating that a judgement was put in place to begin wage garnishment for a 9 year old debt I did not know existed. 

In XXXX a court hearing was scheduled for a matter I believed the plaintiff and I had settled out of court. Unbeknownst to me, the plaintiff pursued the legal matter without my knowledge. In 9 years I was never notified of the judgement against me.

Until I received the letter on XX/XX/XXXX, this agency ( who confirmed has had this debt since XXXX ) has not sent me a single letter or attempted to contact me in any way. I have sent proof that I was led to believe the matter was settled out of court with no response. On XX/XX/XXXX, my wife called the company and spoke with an agent and explained that I was never notified of the debt and wanted to stop the wage garnishment. She was told that the garnishment can not be stopped once it is in motion, and was told that since they were contracted to collect the debt only one attempt was made to notify me of the debt via a letter sent to my parents house.

I have had the same phone number for nearly 15 years. My parents do have a valid address for me, but they did not ever receive any correspondence for me. I feel more than one attempt in 7 years should me made and that I should have been properly notified of the judgement from the beginning 9 years ago when I have believed this entire time the matter had been privately settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this Account has violated my federally consumer rights to privacy and confidentiality under USC 1681 XXXX XXXX XXXX XXXX account number 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.

15 U.S.C 1681s -2 ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.