23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I went to XXXX University for 4 years. My parents went through Chase to get my student loans. When I first signed my student loan paperwork the interest rate on it was low and they seemed to make it stated that I would have a low payment. After graduating college I received a bill stating I owed almost XXXX and my payment would be {$400.00} a month. This loan now 4 years later is an ARM with interest rates 12 %, 11 %, and 10 % interest rate ... NOT the XXXX, XXXX, and 6.25 % it started with or the payment of {$400.00} it is now {$700.00} a month. Mind you this is n't my only student loan because XXXX University is technically a college that costs XXXX a year and that does n't include food or books or rent. When I called Chase to discuss refinancing the lady on the phone literally laughed at me and stated there is no form of refinancing on chase private student loans because we no longer do them. There is no chance of you ever fixing in your rate or lowering your payment because we no longer have chase student loans. I was then transferred well my servicer is now XXXX which I have to go online and pay my bill every month which its due on the XXXX? Who gets paid on the XXXX of any month? I asked XXXX to refinance, to lower my payment, to do anything ... they told me Chase holds your loan and this is not possible. So after paying on my student loan for almost 5 years I am only down XXXX and I have a payment of {$700.00} a month with an increasing interest rate. My advice is if your parents or you are going to look at any student loans make sure you weigh out all federal loan options because I am sitting on private not moving. I have XXXX with XXXX student loan company and they wont do anything either. They call me about XXXX every 6 months to tell me basically that my payment is going up because I wont pay my student loan off in time. 
Why is it possible for PRIVATE loans that DO NOT have a part of this loan business anymore capable of not fixing in a rate, or lowering a payment, or doing anything to help? Why is it when you graduate you automatically are thrown under a bus and no one will help?
Product: Debt collection

Upon first notification of a debt, I called and requested information from Linebarger Goggan Blair & Samson , LLP. The suggested debt is from the year 2018. When LGB & S said it was from a traffic violation in XXXX, FL on XX/XX/2018. I then retraced my travel and bank records for this time period and saw that I was in XXXX NY working in a hospital during most of the month of XX/XX/2018. 
I mailed the debt collector proof, XXXX pages of bank records where I had eaten meals, hotels, gas, etc and paid by my bank card in and around the area of NY that I was working in during the time period in question. I could not have checked in to a hotel or worked in a hospital without photo id. It was not possible for me to be in NY and XXXX FL at the same time on the same day. 

I asked Linebarger and Associates to remove the debt and to not pursue it, with me, any further based on this evidence. I also asked that since I work in a medical environment that they do not attempt to contact me or send me any further debt collection bills .I wrote a cease and desist letter on XXXX and received another bill on XXXX XXXX now feel like I am being needlessly harassed. 


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Product: Debt collection

I sent a letter on XX/XX/21 to the common wealth financial systems company who I noticed reported on my XXXX XXXX that I owe them {$100.00}, {$160.00}, and {$100.00}. I sent them a letter for them to send me verification that this is my debt, they have yet to send me anything in the mail to verify this is my debt. It is now XX/XX/21 and have yet to get anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and i have an fraudulant unauthorized account from a XXXX XXXX corporation that is showing on my equifax credit account i have provided a police report to equifax that the account is a fraudulant unauthorized account because my identity was stolen. XXXX and XXXX removed this account and blocked it but Equifax has failed to do there job even though i provided my police report also i have a fraud alert with all 3 credit bureas i also reported an account called XXXX XXXX as being a fraudulat unauthorized account and equifax closed the account but they have failed to remove it from my credit account im pissed at equifax they are not doing there job if its closed for being a fraud account then why leave it on my credit account it does not make any sense equifax are not doing there job please help me!!!!!
Product: Debt collection

XXXX XXXX has filed a law suit against me on behalf of Midland who stated they are collecting for XXXX  card ending in XXXX which was charged off back in 2014 ... and I believe is out of statute of limitations. I contacted XXXX  who stated they are NOT trying to collect on this account and to contact Midland. Midland started settlement negotiations when law suit was dropped off at my house and handed to my minor child ... I contacted XXXX XXXX whom I told that serving a minor child of mine was not a good service, and they told me to ignore the summons because they would serve me again. This never happened and last week I received their request for judgement be entered in my name and filed with the court .... This is taking advantage of my lack of legal knowledge. Intentionally telling me NOT to respond to the suit ... NOT providing me with details and NOT answering to my request to validate and prove the account should be punishable by law ... this is not a fair consumer treatment ... please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX EQUIFAX XXXX ( 1 ) XXXX XXXX XXXX bought my debt and also since reopening this account on my credit report the the balance increased.Wviolation under 15 US CODE 1692c ( 2 XXXX XXXX XXXX XXXX XXXX did not have my authorization to run my credit ( 3 ) XXXX XXXX XXXX  Did not have my authority to run my credit. 

( 4 ) XXXX XXXX XXXX did not have my authorization to run my credit. 

( 5 ) XXXX XXXX Did not have my authorization to run my credit. 

( 6 ) XXXX XXXX did not have my authorization to run my credit. 

( 7 ) XXXX XXXX XXXX was not authorized by me to run my credit
Product: Debt collection

Amount is over the credit limit. I didn't give consent to charges over the credit limit pursuant to the card act of 2009 regarding file XXXX
Product: Mortgage

REF : Lender refuses to Appraise property in order to drop PMI. 

My lender/loan Servicer, Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX United States | Lender XXXX ID : XXXX after numerous requests has refused to Appraise my home in order to drop PMI. 

I purchased my property in XX/XX/2021 for {$210000.00} and the value has since gone up to The currently valued at {$260000.00}. This is more than 20 % Equity. With more than 20 % equity, I requested Freedom Mortgage to cancel PMI by appraising my property to get the current value. 

They have denied my request to do an Appraisal and continue to charge PMI every month. I have made requests both in writing and verbally to no avail. 

I am seeking your help to have this appraisal done so the PMI will be dropped from my monthly mortgage payment. Please contact me at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 {$2000.00} credit line, this was a fraud and Ive sent the complaint to the bank and the credit report bureau. My credit score has suffered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDUCATION # XXXX, US DEPARTMENT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDDUCATION # 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 that a consumer reporting agency can not furnish an account without my written permission or instructions.
Product: Credit reporting or other personal consumer reports

Verisk conducted an investigation and claims that no consumer report was found in a recent communication from XXXX XXXX XXXX XXXX XXXX. The following items ( including but not limited to ) were found in my XXXX report, which were reported by XXXX : XXXX  XXXX Source  Details : VERISK ( FORMERLY INFUTOR ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX [ This is not my name. ] XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Source Details : VERISK ( FORMERLY INFUTOR ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX [ This is my former address and connected with my name, so I am in your system. ] XXXX, XXXX  XXXX Source Details : VERISK ( FORMERLY INFUTOR ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX [ This is not my address. ] XXXX Source Details : VERISK  ( FORMERLY INFUTOR ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX [ This is my phone number and connected with my name, so I am in your system. ]
Product: Vehicle loan or lease

On XX/XX/XXXX I stopped at a used car lot in XXXX XXXX Texas to purchase a used car. The outside of the car lot had signs that read {$500.00} dollars down payment which is why I chose to stop there. I went inside the car lot to ask about buying a car. The car lot offered a XXXX XXXX they said that was the vehicle I qualified for. I offered {$500.00} dollars down and received a contract that stated that the balance due on the car was {$5600.00}. After I dropped of the first and second monthly payment of {$280.00} to the car lot I was told I had to start sending the payments to the finance company Lobel Financial. I then sent the first payment to Lobel Financial in form of money order and in return Lobel Financial sent a billing statement in Spanish which i didn't understand so I called Lobel Financial and asked to send my statements in English which they never did although the request was made again several times in the future by phone call and in written form on the return payment slip. After I made payments from XXXX to XXXX which is almost 2 years I suddenly receive a call from Lobel Financial in a very rude manner from some representative named XXXX. He demanded I pay him immediately a payment of {$580.00} and said I was behind on my payments. I asked him what payment was missing since I had sent in my monthly payments as agreed. He was never able to tell me what payment was missing therefore I asked to speak to the supervisor.I was referred to a woman named XXXX. After several attempts to resolve this issue I was told the payment missing was from some time in XXXX but was never told for what month.In XXXX the following month Lobel Financial finally sent me a payment statement and told me to figure out what payment was missing. During this issue I found out Lobel Financial had charged {$1900.00} as finance charge. I was surprised and upset since this amount was not included in the price of the car which stated my balance was {$5600.00} dollars. I was now stuck with a contract I didn't agree to and car that went up in price to {$7600.00} dollars. I was told the account would be placed on hold until the problem was resolved however 3 days later Lobel Financial sent for the car XX/XX/XXXX XXXX to get repossessed. I was never given a reason or an option to resolve this. I spoke to XXXX again the next day as I work morning to night it was impossible to talk with XXXX at her time and convenience. She demanded I pay her {$580.00} immediately if I wanted my car back. I told her I didn't have the full amount but she never tried to work something out with me she just very rudely said nothing could be done. I received a letter on XX/XX/XXXX saying the XX/XX/XXXXXXXX had been auctioned for {$1100.00} which is below the fair market value required by law and that I have a balance of {$2400.00} that Lobel Financial is demanding. After reviewing the contract I received at the car lot I saw it was made with a {$900.00} dollar payment I only gave {$500.00} dollars down. The contract is a fraud. Paperwork is attached to this complaint including the down payment receipt.
Product: Debt collection

This bill is for lab work as part of a physical that would be covered @ 100 %, however, it wasnt billed correctly. The doctor was to bill this as well visit, I have advised them several times that they need to re-bill this, however, they have refused too and sent to to collections.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX Account # : XXXX Opened Date : XX/XX/year> Balance : {$450.00} I urgently need to report an unauthorized account on my credit report discovered during a recent review. This fraudulent entry is seriously obstructing my ability to obtain credit. Under Section 605B of the Fair Credit Reporting Act, I am requesting the immediate removal of this fraudulent account. I do not recognize this account and need it removed without delay.
Product: Credit card or prepaid card

Discover closed my consumer credit card XX/XX/2021. I called them on XX/XX/2021 to obtain a reason on why they closed my account. As the consumer I never gave them consent to close my consumer credit account. I mailed off a letter to dispute the validity of the alleged debt and to show proof that I owe the debt. Discover received the letter on the XXXX of XXXX. I have the federal right under the consumer credit protection act to dispute anything about my consumer credit account. Discover is in violation of 15 USC 1691a ( 3 ). Discover discriminated against me because I exercise in good faith my rights. Discover rep stated that their policy overpowers federal law when I called them. I need this to be handle and corrected because I know that I am the consumer and the original creditor of this account. When I entered into this consumer credit transaction, I used my credit card which is my social security card pursuant to 15 USC 1602 ( l ). Which I used to extend myself credit from my open-end consumer credit plan pursuant to 15 USC 1602 ( j ). According to 15 USC 1601a congress requires all financial institutions to inform the consumer on the use of their credit. Which Discover failed to do so which makes them in violation of the Truth in Lending Act as well. 

I will also be doing a complaint with the CFPB, XXXX, Illinois Attorney State General, Connecticut Attorney State General, United States Attorney State General, OCC, SEC, FDIC.
Product: Checking or savings account

I disputed several transactions as unauthorized but the bank refused to refund overdraft fees associated with those transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

i obtained a copy of my credit report and seen erroneous information. so i proceeded to challenge the validity of the information. i have not received any information of investigations from the credit bureaus or the collection agencys reporting these debts. they are not abiding by the law and this kind of behavior is unacceptable. i can not obtain a job or take care of myself or my family because of the false and misleading information placed upon my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo continues to inaccurately report my HELOC account XXXX. My unit was sold, and the only amount owed was the small Wells Fargo HELOC, which closed out XX/XX/XXXX. Today is XX/XX/2018, and Wells Fargo still shows an account open in my name and social security number, with a balance of {$17000.00}. Please note, Wells Fargo 's egregious errors with this account have led to damage of my credit, delayed sale of my property and undue burden and Hardship for me, a XXXX individual. 

Closing statement with attorney proof attached.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 

Account Information : Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Charge Off : [ XXXX ] Amount : [ XXXX ]. 

I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information. 

I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, TransUnion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TransUnion upholds its obligations under the law.
Product: Credit reporting or other personal consumer reports

This account has been reporting inaccurate information and it was reported as verified by the credit bureau. 

This account is in complete violation of Sec 15 USC 1601 Acct XXXX  Account Status Date Opened Last reported date Date of Last Active Transunion has no payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I XXXX am writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Equifax today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at. This fraudulent activity needs to be removed from my credit report post haste.
Product: Credit card

I mistakenly paid off my entire bill of $ XXXX instead of paying my regular monthly payment of {$35.00} on XXXX XXXX, 2015. Called on the XXXX to request a refund. It was granted and I was told it would be sent out the next business day. As of today, XXXX XXXX, I have not received any of the XXXX checks to be sent to XXXX different addresses. I have called countless times to request the money to be direct deposited into my account but their policy states the amount has to be {$3000.00} or more.
Product: Mortgage

My mortgage processor with USAA, XXXX XXXX XXXX emailed a completed VA form with my social security number, date of birth, full name and address prefilled on the form without any read protections or encryption since she felt it would be faster than using USAA 's encrypted banking website to send the form. USAA 's own internal company policy prohibits emailing of any mortgage forms because of the risk of identity theft ( as stated to me by another representative earlier in the mortgage process when I requested a loan pre-qualification letter ). Despite XXXX XXXX claims to the opposite, the email was not encrypted and she feigned ignorance of how encrypted emails work by stating that USAA 's networks are encrypted and thus all emails are as well. Her deliberate act to email a VA form with my personally identifiable information ( PII ) via an unsecure email without any document protections ( such as requiring a password to open the file ) has exposed me to the potential for identity theft now. 

Beyond this issue, throughout the mortgage process USAA refused to honor my wishes to contact me by telephone instead of by email, causing delays in providing documentation. USAA also failed to explain the process in which mortgage officers are appointed and how you may not have the same officer if you have to cancel XXXX application and begin another. The quality of the mortgage officers varies widely with some apparently completely unable to read a customer profile ( I am not married, but XXXX XXXX insisted I was XXXX and asking to have a new officer assigned becomes an adversarial event between the customer and a manager. Management of these officers is similarly terrible with promises not being followed up on or even phone calls returned requesting help. 

I do not intend on ever using USAA for future mortgages and I would not recommend them to anyone either.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy 15 U.S.C. 1681i In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

According to the law stated above, the account with XXXX XXXX  XXXX should be deleted due to the account not being mine. I have requested on multiple occasions, most recently of XX/XX/2023 that a copy of the original contract please be submitted to me within the guidelines listed above. XXXX has failed to do this.