23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage servicer changed in XX/XX/XXXX from XXXX to Gregory Funding. Ever since, my outstanding mortgage balance and credit reporting has been incorrect. Gregory funding has failed to acknowledge any payments I have made directly to them, my existing loan modification plan, or the forebearance I had previous to the transfer of my loan servicing to their company. In doing so, they violated the Federal Fair Debt Collection Practices Act & Federal Truth In Lending Act. I have called three times XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request that my forbearance end so that I can apply for a loan modification. I was told in XX/XX/XXXX, it would be several weeks before they would reach out with details on how to apply. They promised to update my credit report with accurate info ( I was reported late rather than on a forebearance which has destroyed my credit score increasing my insurance premiums and making my car payments increase as well. This has caused such a hardship on my family. Further, I have been making regular, timely payments which are not being applied to my account or outstanding balance yet they have been CASHING THE CHECKS that I mail for my payments. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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
Product: Vehicle loan or lease

I have a vehicle loan from Capital One Auto Finance that has fallen behind because I have not had a job since XX/XX/XXXX. I tried to get an extension earlier during the summer but they denied it and has since put the vehicle out for repossession with XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX I received a text message from my ex girlfriend, mind you we have been split up for almost a year, that an agent from XXXX XXXX XXXX came by her house and disclosed that my vehicle is out for repo. Now it is my understanding that a repo agent or debt collector is not allowed to disclose that there is a debt owed to a third party unless they are authorized by the debtor. I then received a call on XX/XX/XXXX at XXXX XXXX from an agent for the same company saying that " This is XXXX and that I am a civil process server in XXXX County and that I have some papers I need to deliver to you. '' This is also a direct violation of FDCPA rules because a debt collector or anyone that is employed to represent the debt collector is not allowed to deceitfully identify himself as someone representing any type of court , county, state, or federal employee in order to scare information out of the debtor. I have the voicemail as well as the text messages from my ex girlfriend verifying this information. I have no called the finance company or the repossession company back because I do not want to be verbally assaulted. If the repo company is willing to disclose debts with third parties and to pre text to deceitfully get information then I do n't know what else they are willing to do.
Product: Credit card

On XXXX XXXX, 2015, I disputed whether the account listed as XXXX Bank and the data legitimately belonged to me. See Attached. After this information was allegedly verified by the bureau I requested what information was used to verify such in a correspondence letters. See Attached. This was done with XXXX Bank as well by phone. I have yet to receive any information confirming the validity of said account. This account should no longer exist on these reports XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from Equifax shows an inquiry from XXXX XXXX. It is reflecting a high credit card utilization against my credit, which is not true. 

According to my report from XXXX XXXX : The last report was on XXXX XXXX, XXXX, for the amount of {$49000.00} Opened on XXXX XXXX, XXXX Last payment : XXXX XXXX, XXXX. I did not make payments on that date to XXXX or anyone else.
Product: Credit reporting or other personal consumer reports

Incorrect name, address and my employer should be corrected to reflect the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, an inquiry made by XXXX XXXX  on XX/XX/23 was not authorized by me.
Product: Student loan

Okay I registered for ( XXXX school ) XXXX the school of XXXX in XX/XX/2011 and mid way through my mother fell gravely ill I had to quit the school. I was never certifieed or licensed and did not finish my schooling there. I feel that I was n't fully educated on how a school loan would effect my finances later on as it was my first time receiving XXXX ... .I also have seen how other school educate their students on the various components of the school loans and grants and I know for a fact I was not given that same education on loan awareness and now I still have this outstanding loan which is affecting my credit score and lifestyle. Please help me to resolve this issue immediately. Thank you
Product: Payday loan, title loan, personal loan, or advance loan

I became XXXX  in early XXXX and was unable to work. I eventually lost my XXXX in XX/XX/XXXX. I continue to make payments on the loan until I finally ran out of money. In XX/XX/XXXX I was diagnosed with ALS and was given XXXX in XX/XX/XXXX. I contacted the company and explained my situation during this time. Because I have trouble with writing and talking I asked the company to stop contacting me by mail, phone and email. They're still contacting me, I must focus on my health care and don't have time to go back and forth with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent account. I do not have an account with XXXX XXXX. They have no authority to collect on this account. This matter has been taken care of with the original creditor. There is no contract open or account assigned to XXXX XXXX. This account is reporting fraudulently and needs to be removed from my credit file immediately.
Product: Debt collection

I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1.Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.

2.A full itemization of the alleged debt, including principal, interest, fees, and all charges.

3.Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt.

4.Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in FDIC v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), which supports the principle that the note and security instrument can not be separated. 

XXXX XXXX payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity.

Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within 30 days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission XXXX FTC ), and my State Attorney Generals Office. 

SUNRISE CREDIT SERVICES XXXX
Product: Debt collection

I took out a loan from XXXX in XXXX. With poor credit I didnt have too many borrowing choices, and the loan was at a very high percentage rate of around 120 % interest. I was in a bind ready to lose our home. Husband was laid off and out of work longer then expected. He did eventually find a job and I made my repayments back to XXXX every month until my husband was laid off again. I talked with XXXX to explain that our income went back down and I wasn't able to continue with the high payments. I asked if they could work with me. They could not. My account was sent to JPL recovery out of New York and they offered a settlement amount. I agreed to it and started making payments. I lost my job in XXXX of XXXX and haven't worked since and my husband took to driving out of state in a big rig to earn money. I tried to keep up my payments with JPL Recovery and was working with XXXX. Unfortunately due to financial burden I just couldn't keep up and I missed a payment XXXX of XXXX. This is where the trouble began. XXXX started some type of background check to see what assets I have. She is calling family members and my ex in laws looking for information, even though she has been in contact with me. She stated that they were going to investigate me and my husband so that they could put a lean on his truck and file a court order to garnish his wages. I offered to pay them the missed payment along with XXXX payment but she was not having it and got rude with me. She transferred me to a floor manager by the name of XXXX XXXX and he stated that I only have 24 hours to come up with the settlement of {$3200.00} or further action would be taken to get all the money that was owed from original loan of {$2500.00} plus the 120 % interest along with any court fee costs. He sent me a letter and suggested me to take out a consolidation loan. My credit score is only allowing me few options and it's very stressful knowing I have no way of meeting their demands within the 24 hour  time frame they have given me. I am upset that they have had contact with me but yet XXXX continues her investigation tactics and is calling family and ex in laws looking for information or giving them my personal information to verify. She is being dishonest by telling them I gave her permission to call when that is an absolute lie! .when I took out the original loan I was already divorced from my first husband and would not have any reason to give his or his moms information on the loan documents. XXXX is looking into my information and calling people that have nothing to do with this matter. I want it to stop and the threats to stop. I tried to work with them before and still am. I was willing to still make monthly payments and had only missed one payment. This company is breaking the law and I have rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that doesn't belong to me and never authorized any contracts and business with these companies.The following accounts are listed below : 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 1681c. ( 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I sold some stock with XXXX XXXX, {$77000.00} and deposited a check from my XXXX XXXX account, {$45000.00} into my M & T checking account which bounced. Called XXXX who told me that my check writing account was frozen by me which it was not. The woman I spoke with was able to turn it back on so I could write checks from XXXX. I then deposited the whole {$77000.00} into my M & T account last Wednesday XX/XX/XXXX. M & T Bank has completely froze my account per their financial crimes people. I know that XXXX has released the money but M & T is investigating like some kind of fraud has happened. Besides that $ XXXX I had just shy of {$10000.00} in that account and now the checks that I wrote to pay bills are bouncing which is going to ruin my good credit. I tried talking with their people doing the investigating but they refused my phone call
Product: Credit reporting or other personal consumer reports

Over the past years ALL three bureaus ( Experian, XXXX and XXXX ) have played yoyo with my life line ( my credit score ). XXXX I was faced with a serious dilemna and cash was stolen. I had to file bankruptcy and cleared.Even at that time my payments were not dilinquent. These XXXX posted I had SERIOUS DILINQUENCES! I searched my credit reports and did NOT find ANY. XXXX posted XXXX long before this public notice and could not and did not prove I was EVER late! I paid off the vehicle and even after I never saw a result for that dispute ( years later they Happily financed a small balance on a XXXX  I paid off early, AGAIN ). Now, back to the post bankruptcy they deducted tons and tons of points and it still did NOT completely ruin me. Why? I have NEVER, NEVER been late or missed a payment, even up to charge-offs. The bureaus still and to this day are deducting XXXX or more for frivilous idiotic reasons to keep my score low. For example, For XXXX Experian deducted XXXX points and XXXX and XXXX XXXX for credit card increase. My credit cards total a whopping {$14000.00} available credit ( XXXX cards ) I bought some extra items and foods on XXXX that just now totaled {$970.00} together and the XXXX card has a XXXXMy payments continue to be un-missed and on time as it has been for years. My my credit score moves up to high XXXX 's they fabricate a lie ( XXXX ) to decrease my score. I have spoken with other people having the same or similiar difficulties. When I contcated these people ( when you can reach them ) they pull some idiotic mess out the air to get rid of you by saying oh we use other data but, can NEVER show what that data or metric is and you have NOTHINGa wrong. This is my life they play with unitl they want to pedal some mess I don't want or NEED. 
They have published inconsistiences and when I return to copy the emails or texts... they are GONE. I ordered a credit report before this complaint and I see NO delinquent accounts .XXXX XXXXever. Nor late payments nor derrogatory info.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX. Upon reviewing my Equifax credit report again, I can still see the unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Consumer Loan

VEHICLE LOAN established in XXXX XXXX with ( Wells Fargo Dealer Services ) XXXX, XXXX XXXX, CA XXXX ( an affiliate and/or subsidiary of Wells Fargo Financial System. ) The loan amount ( financed ) {$9800.00} -- XXXX Vehicle. Wells Fargo Dealer Services installment contract with consumer ( XXXX XXXX XXXX ) as of XXXX XXXX, XXXX. 
-- - The loan balance as of XXXX XXXX, XXXX ; per customer services records reflects a loan balance of $ XXXX. A statement dated XXXX XXXX, XXXX -- reflects a loan balance of {$9900.00}. Consumer only verifies at most {$300.00} has been applied to the loan in payments as of this date. 
Wells Fargo Dealer Services is n't transparent with the loan credits, debits, additional charges, assessment fees, late charges and simple interest compounded on a daily basis. 
Numerous times ; consumer has requested a transparent / clear record of hidden fees, late charges and assessments added to this loan. Wells Fargo Dealer Services ; continues to compound ( daily ) accrued simple interest and does n't lower the balance. 
Consumer has remitted to Wells Fargo Dealer Services : @ {$2200.00} in monthly payments, {$400.00} in assessed fees, $ XXXX+ late fees, XX/XX/XXXX ; consumer remitted to Wells Fargo Dealer Services loan payments + fees in the amount of {$910.00} ( single month ). 
Consumer does n't agree with Wells Fargo Dealer Services accounting and/or loan balance figures ; Wells Fargo Dealer Services ; has n't provided a ( detailed history of transactions ) to this date. 
In addition, Wells Fargo Dealer Services, compounds late fees with every transaction ; if missed payment, returned item late and additional fees, re-set to loan date fees, deferment fees, without notification and/or advisement. 
Consumer contends Wells Fargo Dealer Services is being deceptive to this consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. I have several addresses showing that do not belong to me please remove the following:XXXX XXXX  XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Product: Mortgage

I used Specialized Loan Servicing to apply for a HELOC in XXXX. This XX/XX/XXXX I paid the loan completely. When SLS promised to send to my XXXX XXXX XXXX XXXX of Minnesota ) a satisfaction notice, they did not do it. First they promised me that it would be sent in 45 days, then 90 days, but as of today ( over 100 days since the loan has been paid off XXXX XXXX XXXX says that they still have not received the notice of satisfaction, so the lien on my property remains and I am unable to sell my house. 

Whenever I call SLS they have no real answers for me and no manager to speak with. They often send my call to the " escalation department '' that also has no answer for me. I am beyond frustrated because we can't sell our home.
Product: Debt collection

I have no contract with this company and no one has ever reached out to me in regards to this debt written or verbally. It is illegal to put something on a credit report without consent and not letting the other party know about it. Furthermore, this debt is unverified and there is no real proof that I in fact owe this debt.
Product: Vehicle loan or lease

For XX/XX/2021 Lexus Financial put my account to ( 30 days late ) status when I I contacted them asking to remove it ( via phone and mail ) and reason for it was that for that month I was in XXXX  because of XXXX I also attached proof of XXXX XXXX XXXX results and response to that they wrote me that they did investigation and everything was right and correct.On that auto loan I was a co signer and bills were going to primary account holders address that I no longer had contact with.
Product: Debt collection

XXXX, the debit they claim I owe is from XXXX years ago. I return the box. 
bring life back to the XXXX.
Product: Debt collection

I went to a class at XXXX XXXX XXXX Florida for as little as two weeks before dropping the class, I couldn't make the class because of work schedule changes. There was apparently an amount for a STUDENT ID that I needed to pay that I never was notified about for some reason. I then got a notification that I had a collection on my account, I contacted them immediately and was notified that once I pay the debt it would be removed from my account. I have filed a dispute with XXXX ( who is the ONLY creditor reporting it ) and the company " Conserve, XXXX XXXX XXXX, XXXX, NY XXXX '' filed to collect the debt will not remove as I was told on the phone. 

This is ridiculous that I don't even attend a college for a full semester, don't take a full class, never received mail, and now have a collection I was told was going to be removed that is affecting my finances over a student ID card that somehow amounted to {$210.00}!? Not only bad practices by a state University putting collections on, as I read online happens a lot with them, multiple students records over a Student ID card. Horrible, I can't imagine how many other students this has effected.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit report a lot of information is showing invalid with Experian. I am interested in disputing all incorrect information from my credit report to help correct my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB case number XXXX Shows as " closed '' This is not accurate, I never received a reply. I requested that LEXIS Nexis remove all old, repeated, inaccurate information in my file on judgements and liens, They never replied and CFBP closed the account?