23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I filed bankruptcy because I have XXXX and could not work anymore to afford the payments. I surrendered the vehicle and I was told that it would come off my credit. They told me that it would be removed and it has not.
Product: Credit reporting or other personal consumer reports

Unauthorized accounts on my credit report may have been added without my consent, potentially due to fraud or identity theft. Please remove these fraudulent entries.
Product: Checking or savings account

Company closed my account from a previous check deposit on my account in XXXX from a cellphone I never did initiate. Ive been a victim of identity theft fraud since XXXX as Ive been homeless til recently.
Product: Student loan

TO GET TO THE POINT, THIS SCHOOL WAS CLOSED DOWN IN 2015 BEFORE I CAN EVEN START EXTERNSHIPS. BECAUSE OF THE SCHOOLS REPUTATION AS WELL AS THE SCAMMING THAT WAS GOING IN I STILL CANT GET A JOB FOR WHAT I WAS SUPPOSED TO B GETTING A DEGREE IN. NOW I HAVE THESE LOANS THAT I CAN NOT PAY BACK AND HAS HAD MY WAGES GARNISHED AS WELL AS NIT MY STATE AND FEDERAL RETURNS HAVE BEEN TAKEN FOR THE LAST 2 YEARS. THEY GAVE US THE HOPES THAT AS LONG AS WE KEEP OUR GPA TO THERE SPECIFIC STANDARDS WE WONT HAVE TO PAY BACK LOANS AS WELL AS A STIPEND OF 400 EVERY 2 WEEKS AS LONG AS WE RECEIVED AN A OR B GRADES BIWEEKLY. SO FROM MY UNDERSTANDING THEY TOOK OUR LOANS THAT SHOULD HAVE BEEN GIVEN TO US AND GAVE US WHAT THEY AND AND KEPT THE REST. VERY UNPROFESSIONAL IS WHAT THIS IS. I AM NOT THE ONLY ONE WHO IS GOING THRU THIS RIGHT NOW. THEY EVEN ARE TRYING TO SUE THE STUDENTS.
Product: Mortgage

XXXX XXXX sold my loan to Specialized Loan Servicing ( SLS ) last year. In the transition my escrow account paid for my hazard insurance. I sent the bill to SLS after they rejected it with the agent. I was told they were looking into it. It's been 2 months and now the coverage cancelled XX/XX/19 per a letter received from XXXX 's XXXX today. This is fraud by trying to force me into taking out their coverage at double the rate since my coverage is now cancelled based on their breach of contract and an additional XXXX fee has been assessed. Total due to XXXX 's is XXXX  and the agent is at XXXX XXXX XXXX XXXX, policy XXXX. SLS should be sanctioned based on this fraudulent activity. Please assess penalties and interest on my behalf.
Product: Credit card or prepaid card

I have a credit card with capital one that was previously registered with XXXX Pay for purchases without the use of my physical credit card. When I tried to re-activate the credit card with XXXX Pay Capital One required verification which was to take pictures of my photo ID. I took pictures of my photo ID multiple times which Capital One said they couldn't read. The mobile app has no other forms of verification, so I called the company. I spent over 2 hours trying to get the situation resolved without success. Capital One 's verification processes do not take in to account faces of color and instead says the IDs cant be read. Then they don't have alternate means to correct the issue. This is DISCRIMINATION. Because at this point I am not able to use services that I should have access to simply because my face is difficult to see through an online app.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Mortgage

I have mortgage with M & T Bank still with my name. 
actually i had divorce XX/XX/XXXX by court order. 
and gave to home to exwife by court order. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX but exwife didn't refinance and used loan with my name. 
also she made quick claim to XXXX XXXX XXXX on XX/XX/XXXX exwife name : XXXX XXXX she gambled and she sold XXXX XXXX to mrs XXXX XXXX XXXX on XX/XX/XXXX new buyer Mrs. XXXX never bring money on quick claim only. 
home value around XXXX quick claim selling amount {$190000.00} loan balance around XXXX same as quick claim amount mrs XXXX made fraud property transaction Mrs XXXX has experience non profit service. 
so she knows how can cheating and quick claim. 
Mrs XXXX still use M & T Bank Loan with my name. 
new loan # XXXX my old name is XXXX XXXX XXXX my new legal name is XXXX XXXX XXXX XXXX and i find out deed transfer to mrs XXXX and still use loan with my name. 
i did complain to m & t Bank. 
bank said can not remove my name on loan. 
i believe fraud transaction that quick claim deed with another person loan. 
please investigate this case. 
mrs XXXX  still owned social service for public. 
XXXX XXXX at XXXX wa
Product: Debt collection

This company has been calling repeatedly despite me paying on the debt as I can. I have received up to 4 calls a day, sometimes within minutes of each other. They have also given empty threats of legal action in the past. This Violates the FDCPA.
Product: Credit reporting or other personal consumer reports

Equifax does not report information in a timely manner. In the month of XX/XX/2023, they have XXXX XXXX  on my consumer report ( credit report ). So, this means they providing false information to any person that looks at my consumer report. This has to be against the Fair Credit Act. They are supposed to get the consumer report accurate and fair.
Product: Debt collection

I recently checked my XXXX app and found that theres a collection on there for almost {$14000.00} and I did not know the original creditor or anybody involved in that transaction that debt is completely false.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

1. The following personal information is incorrect
Product: Debt collection

I didn't receive the notice of assignment nor did I receive notification that this going to be reported on my credit reports as stated in the FCRA guidelines. The date of last activity is also
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from a dealership in XXXX, NJ called XXXX XXXX XXXX XXXX. The bank that approved me for the loan was XXXX XXXX. As of today it is now well over 60 days since the date of purchase XX/XX/21. The dealership engaged in unfair and deceptive business practices, I still do not have plates for my vehicle. The bank XXXX XXXX has not only failed to obtain the vehicle title from the dealership, they have also engaged in unfair and deceptive business practices. 

XXXX XXXX has violated my consumer rights by violating the FCRA. 
They have reported a vehicle loan on my credit report insinuating that I am paying them for a car that THEY DO NOT LEGALLY OWN. The bank has already paid the dealership for the car. THE TITLE WAS NEVER GIVEN TO ME, I WAS NEVER LISTED AS THE OWNER/ FINANCER OF THE CAR NOR WAS CREDIT ACCEPTANCE LISTED AS THE LIEN HOLDERS. 


THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, NOR SHOULD I BE MADE RESPONSIBLE FOR PAYMENTS UNTIL THE BANK HAS OBTAINED THE TITLE AND ARE LISTED AS THE LIEN HOLDERS.
Product: Checking or savings account

Navy Federal Credit Union has gotten progressively dangerous to their members. Average hold time is over 45 minutes to make routine banking transactions. 

On XX/XX/22 NFCU charges me for a NSF fee when I had the proper amount of money in my account to cover an ACH. They laughed at me and then put me on hold for 30 more minutes. They are deceitful and their business model makes it nearly impossible to resolve any issues. 

Please help. Thanks for your time and for grounding these entitled institutions that prey on military. 

XXXX
Product: Debt collection

I have had an account on my credit report from Jefferson Capital Systems for a significant amount of time. Ive sent several letters to this company attempting to resolve this. I finally received a letter in XXXX saying they were ceasing collection of this item and it would be removed from my credit report. As of today, XX/XX/2021, it remains on my credit report. I attempted to call Jefferson Capital, only for them to assure me that it has been removed, but it has not.
Product: Debt collection

I got a XXXX  membership in XXXX of XXXX and stopped going the same year. I continued to get charged for the membership until XXXX when my debit card expired. I further recieved an email in XXXX of XXXX saying my account was going to be sent to collections to which I called the XXXX. They notified me that I was behind 3 months and owed around {$230.00} because of late fees. I explained my situation to the manager as I had not been to the XXXX in 3 years. They waved the late fees and I paid a total of around {$150.00} and some change for the 3 months I was behind as well as I cancelled the membership, this again took place in XXXX of XXXX. I continued to follow-up with the XXXX  via phone as I sent a cancelation letter via USPS until they recieved the letter. They further let me know the letter was recieved and my membership was cancelled and I would not continue to get charged for it. I further recieved an email in XXXX of XXXX stating I missed a payment. I called the XXXX  and the 3rd party billing company ( XXXX XXXX XXXX ) which the XXXX  notified me that my membership was cancelled and I did not have a balance and this may be a glitch as the email also did not show a balance and rather a cancelation date. The billing companies automated system also stated I owed {$0.00}. 

In XXXX of XXXX my credit dropped around XXXX points to which it showed I had an account in collections. I called the collections company, First Credit Services, that stated the debt was from XXXX XXXX XXXX. I further called the XXXX  which were able to send me documents ( that I didn't recieve prior ) showing my cancelation date being XXXX of XXXX as well as the cancelation letter I sent via USPS. The XXXX however stated they could not provide me with any further documentation as my account was in collections and it would not allow them to view my account to retrieve documentation such as my signed agreement or payment history. 

I further called the billing company, XXXX XXXX XXXX, who on multiple occasions said they would email the documentation requested to me but have failed to do so. When following up, they stated they were not allowed to send the documentation and whoever I talked to prior misinformed me. I was able to talk to someone else who stated they would email the documentation to me but have still failed to do so. 

I did further ask the billing company if I paid the account in collections if my membership would stay inactive and all my debts would be paid. They stated when I pay the collection agency that they will reactivate my membership and start to charge me monthly again until I attempt to cancel it and pay again to cancel the membership. 

I do have documentation of the payments I've made as well as the cancelation paperwork and the letter I sent to the XXXX  in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

A personal load was opened up by fraud.
Product: Mortgage

I submitted a complaint to SPS last month via CFPB. SPS did not respond to the specific questions contained in the Qualified Written Request, nor did they respond to my request to schedule an in-person meeting at SPS HQ in Utah to review their " original copies '' of documents they allege are valid and are associated with my property. SPS is trying to use these so-called documents to foreclose our home based on an assertion of a financial interest that does not exist.
Product: Debt collection

The medical debts are not in timely manner for collection purpose. My insurance is a market place. I have a right to ask financial aids accordingly. Even I am not more than four months being a member of medical inssurance. This is just running to mess my credit score illegally. Any ways I have arranged to be paid by my XXXX XXXX. It should be removed from my account. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account in the amount of {$440.00} was removed from my credit report from XXXX after being found to be fraudulent. A different collection company has purchased the fraudulent account and added to my credit report again. This is not following the FCRA regulations by doing this.
Product: Credit reporting or other personal consumer reports

Hey Ive attached FTC report for accounts reporting from fraud can you have equifax remove these items immediately. 


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

I have unauthorized inquiries from these companies below XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  S XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ADD THIS TO THE FTC ATTACHED PLEASE e FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... The FTC has sued over 30 debt collection companies for violating the law, banning some from the business and making them pay steep financial penalties XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX  of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the XXXX XXXX XXXX XXXX XXXX spurred the FTC to take action which began in XXXX of 2018.
Product: Student loan

My original loan balance of +/- {$25000.00} that was being serviced by EdFinancial has been in various stages of repayment since XX/XX/2006 ( almost 13 years ). In that time the balance has actually increased to +/- {$28000.00} while I was making payments!

After calling the customer service line, they advised that this was because I agreed to a graduated payment plan. I never agreed to this ( knowingly ).

They also advised that the interest accrual was because of the forbearance. Again, this is something they said I agreed to in writing or verbally, but this is nothing that was ever disclosed to me in terms that I could understand. I would have never agreed to this had I understood that the balance of the loan would increase!!
Product: Mortgage

I am trying to work with my mortgage servicer to get rid of my Private Mortgage Insurance, since my LTV is now less than XXXX %. They are using the original appraised value from 8 years ago and I am using the current county assessed value. Is this customary? I could be saving {$120.00} a month but I am having to pay this amount for another 2 years. I feel this is unfair and deceptive.
Product: Mortgage

1. For the last 16 months Ditect has not responded to 16 certified mails requesting a monthly mortgage statement. ( All dates and tracking numbers available upon request. ) No response at all. They have previously responded to address, email and phone number. No mortgage statement has be sent to me. Our records indicate the entire mortgage was paid in XX/XX/XXXX with the last payment, Check # XXXX. Certified mail w/returned signature : XXXX XXXX XXXX XXXX. There has been no response to the request for the delivery of Deed of Trust or the Promissory Note. 

2. Because not statements have been received for 16 months, reviewing the tax statements from XXXX Ct , CO. it appears there was an overage of approximately {$150.00}. Where has this money gone? Was it rolled over into the next years tax account? No refund was ever sent to the mortgager. 

3. Physical records indicate payments received i.e. XXXX of the month via certified mail. Their documents to Credit Reporting bureaus show late fees accessed and reported late payments on XXXX of the month. This has happened several times resulting in a decline of over 100 points in my score. This is blatant consumer fraud, the same as the Attorney General of Massachusetts fined Ditech {$1.00} XXXX to settle allegations it had violated Massachusetts debt collection laws. This is in violation of the F.C.R.A. 

4. It has been necessary to consult council and we are proceeding with legal actions against Ditech. They refuse to release Deed of Trust although all principle has been paid. According to our records, accompied by monthly certified mail receipts, there are no late fees. Each month was paid in full before the due date. We pay the insurance, and because of no response from Ditech, can only guess where the current tax escrow is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to DO THEIR JOB PROPERLY and eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as reported by TransUnion. On XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, and as of this date, I have not received a response. I am seeking the necessary corrections to rectify these inaccuracies, as they have a significant impact on my creditworthiness. 
Below are the details of the inaccurate information and the required corrections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The reported balance of {$6000.00} is disputed, as I recall the amount being lower. 
I request the removal of the Past Due amount, as this account is closed and charged-off. 
I kindly request that TransUnion mark this account as " disputed '' to prevent further adverse effects on my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is not mine, and I request its immediate removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The reported balance of {$15000.00} is disputed, as my recollection differs. 
I request the revision of the Past Due information, as it is not accurate for a closed and charged-off account. 
I kindly request that TransUnion mark this account as " disputed '' to prevent further harm to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is not mine, and I request its immediate removal from my credit report.