23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( should only be listed 1 time ) ; Dept of Ed Dept of Ed Incorrect Address ( never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Incorrect Name XXXX XXXX XXXXXXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I disagree with citibanks decision to decide the Case ID : XXXX in merchants favor and will further seek help regarding this case. The items I received is totally different then what was originally ordered. I made 3 documented attempts to contact merchants customer service and they never responded how to return it or how to proceed with further action so I had to file a dispute with citi bank and they decided it on merchants favor without investigating what was wrong with merchnadises I want to come to fair resolution in this case
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to violate 15 US Code 1681 of my Federal Consumer rights. 

They have wrongly reported an amount owed for months AFTER the amount was paid off and after SEVERAL attempts to get Equifax to do what is FEDERALLY / LEGALLY required of them to do. 

The debt they continue to show wrongly, shows a balance owed when the amount has been fully paid off since XXXX 2022. 

This affects my score. This is illegal of Equifax to do. 

XXXX and XXXX are reporting accurately and have been, but Equifax seems to not care about accurate reporting, which is a FEDERAL requirement. 

Equifax has been erroneously reporting this error since XX/XX/2022, and have in replies, told me the reporting is accurate. This is a lie. I have informed my states attorney. I have informed my lawyer. I have informed local area federal judges. 

I have attached XXXX documents showing the balance on disputed account is XXXX. These same documents are in the possession of my lawyers. along with Equifax 's previous replies that their reporting is accurate.
Product: Credit reporting

I opened a proper dispute with Equifax to dispute there is no such judgment of record for # XXXX or XXXX from this court for this date for this amount from this creditor. I have documentation from the XXXX XXXX XXXX XXXX that supports my dispute of these erroneous entries on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable build credit get personal report, improper use by XXXX after rejecting service information with in different credit agencies, checking accounts XXXX XXXX Bank account tried paying off refuse to give information bank to the run arounds XXXX XXXX XXXX rejected serve freezes deposit for 21 days b4 closing account .Contracts paid out still charge prorated fees.XXXX sol information even tho account was paid in advance fees on credit card.Unableto close credit card accounts after opening..XXXX, Equifax, XXXX XXXX won't even release any of my information to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act my rights have been violated. Allowing a late payment reporting on XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 and XX/XX/22 by XXXX XXXX. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I received a letter from the collection agency thats how I found out I owed this money but Im afraid I was victim of identity theft because I have not purchase anything at XXXX with my credit card in years I dont even have the credit card with me I paid what I owed at the moment and then never used it again. I called XXXX and they told me I didnt have a balance with them so I called the collection agency and told them that and they kept sending me letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the credit bureaus to do a review of credit report they did, but i did research and found improper even after they did review, the account numbers, in accordance with the fair credit reporting act XXXX  account # XXXX XXXX, XXXX, XXXX are found to be improper, and violate my rights 15.u.s61681 section 602A section 2 : it also states that a consumer reporting agency can not furnish a acct without my written instructions.
Product: Mortgage

Requested a forbearance and Bank of America Agreed.. with no payments from XX/XX/XXXX to XX/XX/XXXX. 

Then they called XX/XX/XXXX and spoke to them. They then informed me that payments were being backlogged and that they were all due XX/XX/XXXX. 
This was not shared with me when they approved the forbearance. 

This is another attempt by Bank of America to defraud the public and sieze property as an attempt to foreclose. 

A clear bait and switch program.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I applied for A Capital One for myself and my son ; I'm his XXXX. I was approved for {$1000.00} & my son was approved for {$3000.00}. Since ; he did not have debts in his credit reporting. On XX/XX/20 I called Capital One and verified the promotional date for charges with no interest until XXXX. XXXX verified that my promo expiration date is XXXX. I verified again on XX/XX/20 at XXXX XXXX with XXXX for promo expiration date and said it was XXXX. At XXXX I emailed officials but received no response. Capital initially issued a Capital One Platinum Master card. But then, without our request, Capital One reissued a Capital One and changed it to QuickSilver Master Card in the name of my son, XXXX XXXX. I'm his XXXX, have XXXX XXXX XXXX and his payee. His current XXXX Statement Interest charge was billed for {$39.00}. No interest was charged in XXXX When we were in the middle of purchasing a house ; I was trying to get him credit to qualify us for a house purchase in which we moved into 3 months ago.

I know he's in a promotional no interest plan until XXXX like I am with my QuickSilver Visa in the name if XXXX XXXX . I'm still on a promotion period and I applied for them at the same time. They need to honor their promotion for him ; just because they reissued and rename his card does not mean they should terminate the promotion without notice.
Product: Credit reporting

THERE ARE SEVERAL CREDIT INQUIRES RESIDENT CHECK, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, AND XXXX INQUIRES ARE ON MY CREDIT REPORT THAT HAVE BEEN DISPUTED SOME HAVE BEEN REMOVED BUT SOME REMAIN THAT DID NOT HAVE AUTHORIZATION TO PULL MY CREDIT REPORTS I REQUESTED VALIDATION TO SHOW WERE I AUTHORIZED THESES CREDIT INQUIRES AND IMPROPER RESPONSE WAS SENT BACK NOTHING SHOWING WERE I SIGNED TO HAVE MY CREDIT PROFILE PULLED
Product: Mortgage

I received a NOTICE OF SERVICING TRANSFER from XXXX XXXX XXXX dated XX/XX/2018. It listed the current servicer as Summit Funding c/o XXXX XXXX XXXX ( NMLS XXXX ) and  the new servicer as Summit Funding. After calling the company, they said the note was transferring to a completely different company than the company listed in the notice. This presents a clear violation of 12 CFR 1024.33 ( b ) ( 4 ). Further, rather than omitting information, the notice contained misleading misinformation. After some phone calls, I was given information that my new servicer was XXXX XXXX XXXX, XXXX.
Product: Vehicle loan or lease

I have been dealing with Arvio since COVID hit. I was let go from my job in XX/XX/XXXX and I contacted them and said now that I was forced into early retirement that I could not afford a {$550.00} car payment. Then in XXXX I was admitted to the hospital with XXXX for XXXX  days and came home on XXXX  for a month. I was in contact with them and made payments as I could and said I need help. During COVID the companies were not to report individual/business to be late. This company did and prevented me in trading in the car to get a smaller payment. This company told me they do not refinance the company. Because of this company my credit score is below XXXX which does not allow me to trade car in. 

I am looking for a job but at XXXX XXXX XXXX they are hard to come by. I make payments as much as I can but with medical bills its too much. 

I have asked if they refinace they said NO. 

NOW, with the new Trade Laws, this company calls almost every day asking for back payments. This is against the Federal Trade Laws that went into affect XX/XX/XXXX that you could not contact a business/indivdual one time in 7 days.

I dont know what else to do...
Product: Mortgage

I received an email on XX/XX/2020 telling me that I qualified for a VA XXXX because of my perfect payment history and the fact that they service my loan. 

Here is the email I received : XXXX XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX  to me Hello Mr. XXXX, My name is XXXX XXXX XXXX I am a licensed mortgage loan originator and I work in the mortgage retention department with Lakeview Loan Servicing , LLC. I was reviewing your account and was able to confirm you currently have made 6 on-time monthly payments to Lakeview. As you may already know, this qualifies your current mortgage for a VA Interest Rate Reduction Refinance Loan. This is a simple interest rate reduction program available because you make your monthly mortgage payments within 30 days of the due date. 

Lakeview owns the mortgage servicing rights of your loan and has chosen XXXX XXXX to collect your monthly mortgage payments, and manage your escrow account on our behalf. Since we own the servicing of your loan, we can offer this interest rate reduction program with no origination fee, no underwriting fee, and no processing fee. 

Please call or email me so I may help you with this opportunity.

BENEFITS of refinancing with Lakeview Loan Servicing : 1. No origination fee, no underwriting fee, no processing fee 2. No appraisal 3. No minimum credit score 4. No income check 5. Monthly savings Thank you, XXXX XXXX, XXXX Mortgage Loan Originator Lakeview Loan Servicing , LLC XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX  XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX NMLS # XXXX / Company NMLS # XXXX XXXX Equal Housing Lender On XX/XX/XXXX after sending the second mortgage statement, the loan officer said that his operations needed to pull credit because of my second mortgage. I told him that he could send a verification of mortgage. He said that was not possible and that the only way for them to fully approve my loan was to pull my credit. 

After the credit was pulled and several days later, I was told that they couldn't approve my loan because back in XXXX I didn't make a payment ( which should have been part of the forbearance ) and that they were going to have to deny my loan. 

I spoke with XXXX XXXX NMLS # XXXX who is the direct supervisor to XXXX and said that she stands by his actions and that pulling the credit was necessary, she also said that the credit pull was going to be reversed " as if it never happened '', which to cover up their mistake. I asked to speak to XXXX XXXX NMLS # XXXX who has yet to return my call from XX/XX/XXXX. 

Upon my insistence about Lakeview Loan Servicing LLC NMLS # XXXX being in the wrong, their Compliance Department Director, XXXX XXXX called and said that they could't/would n't do anything. She asked for a copy of the email that I received and said that she would escalate to her management and haven't heard back.
Product: Mortgage

I paid {$10000.00} to Specialized Loan Servicing on XX/XX/XXXX via electronic funds transfer and they've held those funds in a suspense account and despite numerous calls I have not been able to get those funds returned. The loan paid off on XX/XX/XXXX via wired funds but they have not returned my {$10000.00}. What options do I have?
Product: Debt collection

On XX/XX/XXXX, I was alerted that I had a derogatory remark on my credit report from an Amsher Collections Agency, which I didn't recognize. When I called, they asked me for my social security number up front. They then told me to call another number. They would not answer further questions. I never received any prior communications from this company about any alleged debt I owed.
Product: Vehicle loan or lease

I am in the process of getting a loan to pay off my truck. Prestige keeps threatening that they will repossess the vehicle?
Product: Debt collection

Someone called me and identified themselves as representing a collection agency named FINANCIAL RECOVERY COLLECTION SERVICE The number they called me on is XXXX. 

She said she was collecting a debt that I owe to a company called XXXX XXXX XXXX XXXX She said I owe {$590.00} for lab tests. 

She wouldn't tell me the phone number of the lab company. She wouldn't tell me who ordered the tests. She told me I would be taken to court if I didn't pay immediately. 
She said that the reason she couldn't give me the information I was asking for was HIPPA.
Product: Debt collection

Dear [ TransUnion ], I am writing to request that you remove the bankruptcy reporting from my credit report and to inform you that I have discovered several unauthorized collections on my report that need to be resolved immediately. 

Firstly, my bankruptcy filing was a result of circumstances beyond my control, and since then I have made every effort to become current on all my debt obligations, including yours. I am confident that you will agree that it is in both our interests for the bankruptcy to be removed from my credit report. 

Secondly, it has come to my attention that there are several collections on my credit report that I do not recognize, and that I did not authorize. I have the right to dispute any unauthorized collections, and I would like to use that right in this instance. As such, if you do not remove these collections and bankruptcies within ten ( 10 ) days of receiving this letter, I will report each one to the Federal Trade Commission ( FTC ) and pursue legal action, which could result in a {$1000.00} fine per unauthorized collection item, as per the Fair Credit Reporting Act. 

I appreciate your prompt attention to these matters and look forward to resolving these issues. 

Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

On XX/XX/2021 I was at a nightclub and later through the night I had noticed someone stole my phone. On XX/XX/2021 when I went to purchase a new phone I noticed a XXXX XXXX transaction that I did not authorize. The person that stole my phone authorized a online advance of {$1000.00} on my Wells Fargo platinum credit card and included {$500.00} from my Wells Fargo debit account in this transaction. I filed a police report with the XXXX XXXX XXXX XXXX XXXX. The incident number is XXXX and their phone number is XXXX. I also filed the reports with my phone insurance provider XXXX as well as XXXX and XXXX. Both of the companies verified the fraud and was able to authorize my request for a phone replacement and {$2500.00} refund. Wells Fargo seems to be the only company that will not refund the remaining amount of {$1500.00} that was stolen. I would like to also mention that Wells Fargo refunded {$330.00} additional dollars that was stolen but for some reason they will not refund the remaining {$1500.00} that I have yet to receive.
Product: Student loan

Date of loan : XX/XX/year> Loan amount {$4000.00} Action taken : I requested to cancel the course and to be refunded {$300.00} for my deposit Bill/Account is with a third party company : IC System : XXXX XXXX XXXX Other : XXXX XXXX XXXX IC System Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Point of contact XXXX that I have been emailing or calling : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : My name is XXXX XXXX. I am a XXXX veteran that was looking for a online XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On the XXXX of XX/XX/year>, I sign a contract with a company name XXXX. The representative for the company was a XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  During my conversation with XXXX XXXX, we talked about the following job field : XXXX XXXX XXXX XXXX XXXX I told him that I am look for a XXXX XXXX XXXX He said that they had one and email some information about the course. I signed up for the course and made a down payment of {$300.00}. 

On the XXXX of XX/XX/year>, about 2 days later. I received an email from a XXXX XXXX XXXX, Student Success Advisor with the following subject : Common New Student Questions. In the middle of the email was this bulletin : Instructors : There are no teachers, all instruction comes from the XXXX. But dont worry, it's not all on you Ill be here every step of the way. I immediately replied back to the email and told XXXX XXXX 
XXXX, that XXXX XXXX told me that this was a XXXX XXXX XXXX and for him to immediately cancel my agreement. I did not received a reply back to my email, so I called several times for about 2 days trying to reach either XXXX XXXX or XXXX XXXX. I finally was able to speak with XXXX XXXX. He apologized to me several times for being given the wrong information about the course. He said that someone will be contacting me about the cancellation and my refund.

About 2 weeks later, I received an email from XXXX XXXX XXXX with instruction to fill out a form for the cancellation. I will out the form per her instruction. I thought I was done with this company and would received a refund, but a few months later I had an entry of my credit report for a bill of {$600.00}. I tried to reach out to this company several times, but was not getting any help or support. After being so frustrated with this company, my wife told me to just forget it because during that timeframe it was effecting my health. I have uploaded emails, payment receipt, and cancellation agreement. You help and cooperation is help me getting this matter resolve with be much appreciated. This account has been transfer to a third party company : I C System. 

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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XX/XX/year>
Product: Mortgage

ILLEGAL FORECLOSURE Auction against our home - set for tomorrow, XXXX XXXX, XXXX, XXXX at the XXXX. entrance to the County Courthouse, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. We appeal to the authority of your Offices for consumer protection and investigation of Nationstar Mortgage LLC. 

NO LENDER NAMED on the purported Notice of Default, nor in the XXXX ( expired ) /XXXX NOTICE of TRUSTEE SALE..for an alleged account that DOES NOT belong to Consumer. No records of alleged debt. No " competent and verifiable material evidence '' to prove its claims and its BONA FIDES. Alleged DEBT remains to be in DISPUTE -the issues on its " intentional misrepresentations '' of the nature, character and amount of debt REMAIN to be OPEN. Nationstar could not even agree with its conniving agent Quality Loan as to the amount of alleged debt purportedly owing - with an exceptional $ XXXX variance in its Statement of XXXX/XXXX/XXXX -- - 3 days from Quality 's Notice of Trustee Sale issued XXXX/XXXX/XXXX. 
ALL Nationstar has are documents that anyone could obtain from public records, then stakes a claim against our home by recording its XXXX assignment instrument, purportedly from XXXX in XXXX XXXX, and notarized all the way in XXXX, XXXX! [ Perhaps, XXXX XXXX ran out of notaries ...? ] This instrument of course violates Federal and State Laws - CA Penal Code 115 for robosigning, XXXX HOBR 2924.17 for lack of competent and verifiable evidence to support the same, and then XXXX Civil Code 2936 that provides " assignment of a debt secured by mortgage carries with it the security " Nationstar 's XXXX assignment is of course not supported in any way in its alleged copy of Note in XXXX ( in Court records ) - that is left devoid of any " Nationstar '' marks ... 

ALL THESE and more " intentional misrepresentations of material facts '' and dual meanings per FDCPA ... .as basis for its UNLAWFUL foreclosure auction tomorrow ... for its undue enrichment. 

THANK YOU CFPB for your remarkable efforts in cracking down unlawful and deceitful practices in the finance industry to protect U.S. Consumers from predators who violate laws for their undue enrichment. We trust your investigation of our case would merit an enforcement action against Nationstar Mortgage LLC. [ exhibit files to be faxed shortly ]