23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX, ( XXXX XXXX original creditor ) put two collections on my credit report unlawfully because the debt was discharged in bankruptcy. I called the company when I noticed the collection was put in my credit report and informed them this debt was discharged in bankruptcy and requested them to remove it. They said they would note that I am disputing the collections. I disputed the two collections with the CRAs and they came back as verified. Then on XX/XX/2018 XXXX called from XXXX XXXX  XXXX and was still trying to collect money from me to " take this off my credit report '' I then told the customer service representative that I don't owe this debt and it was discharged in bankruptcy. When these collections appeared on my credit report, I was in the middle of getting pre-approved for my first home and was denied because of this inaccurate information.
Product: Credit card or prepaid card

I woke up to an email saying that my name and phone number had been used for a Capital One Credit card. I dont have a capital one credit card. When I called capital one, they want my social security phone number which I dont feel comfortable giving.
Product: Mortgage

Hello Selene Finance, Could you please get someone to step up and give me a courtesy call? My number is XXXX. XXXX, who was supposed to be my advisor has refused to give me a call despite my repeated request, if he is incompetent, I ask Selene Finance to switch another advisor. 

XXXX has told me that XXXX will not be issued, and yesterday I just received another communication from your company that XXXX XXXX XXXX XXXXXXXX XXXX, there loan balance is {$0.00} with {$0.00} interest paid in 2023 and {$0.00} paid in property taxes. If you are going to furnish me with a XXXX, I expect a correct one, please have senior management reach out to me. 

For months, XXXX refused to sort out the property tax issue for me, my account has been in delinquent late fees not picked up by Selene Finance XXXX was still not paid, and property tax payment was lost and never paid, I asked him to call me but XXXX refused. I will also be filing a complaint with CPFB for Selene Finances gross negligence and lack of care. This is a disgrace on your company to have people refuse to rectify the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I enrolled in several classes at XXXX. I ended up having to drop them due to being enrolled in another school, XXXX. The classes at XXXX are accelerated and it would not have made sense to be enrolled at XXXX. I had only enrolled at XXXX while I waited to see if I would be able to go back to XXXX as I am only about 28 hours from graduating with one of my degrees. 

In XX/XX/XXXX when I received the first notification of the debt, I again disputed it with the school and got nowhere. I received letters of debt notice from AMR. I was working for AMR sister company, XXXX, at the same time and as I was in the same building went and personally disputed the debt with XXXX. After I left XXXX, I received another notification of debt to XXXX from AMR and I called to dispute it again. 

Regardless, XXXX intercepted our ( my husband and I ) state tax return for XXXX   for the debt that is owed, a little over {$490.00}. I have been communicating with the bursar 's office since to no avail. Even the email that she sent regarding that I the school claims I didn't drop the one class for which they collected the debt, was not dropped by the due date though others were. 

I had a specific situation occurring, also, at the same time that these classes were dropped and I know that I dropped all of the classes. 2 classes by form and 2 were supposed to have been dropped online, though one didn't and that is the one that they collected for. My son, who was XXXX at the time, had to have comprehensive XXXX XXXX  the same week and his birthday is XX/XX/XXXX. I know what happened because as soon as I realized I couldn't drop the other class online, for whatever reason, I called about it. I also requested money back for a book I had purchased. AND I was in a XXXX  class, not the class they stated I didn't drop. 
I've spoken to the OK Tax Commission and they have said to work with the school. The school is requiring all of this personal information that I do not feel I should have to provide. 

This isn't the first time that this has happened. I am tired of it. I want my money back.
Product: Credit card

Last XXXX I purchased a Mattress from MattressFirm. The store clerk convinced me to sign up for a MattressFirm credit card, which ( as he stated ) " offers XXXX interest rate! just pay the minimum! '' Unfortunately I don't have very much experience with this, so I agreed to this offer. Next thing I knew, I received a welcome package from Synchrony Bank ( who I had never heard of ) with mounds of paperwork. I created an account online and setup autopay, which simply ran every month in the background. I checked every now and again but never saw any changes to statements and was never contacted by them. 

Today, I received an email from Synchrony stating " Terms had Changed. '' When I looked, I noticed I'd been charged immense interest - starting XX/XX/XXXX with an interest fee of over {$650.00}. I was shocked to see since then they had begun charging interest with XXXX communication besides " a small red callout in your statement. '' I communicated with the company and spoke to a manager about why I was informed of a terms change but not a massive interest rate hike from XXXX to nearly 30 % and she said I should've checked my statement as " it's the only way we can communicate with you. '' When asked why I received the email about the terms changing and not the sudden {$650.00} charge, she simply said it's my responsibility to check my statement. While I don't disagree, the fact that they had the means to inform me of an expiring promotion and chose not to is beyond predatory. Now I need to quickly figure out how to pay this whole bill off before the interest balloons ( as it has been for the past several months ).
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I called the company Aragon agency to let them know I had paid the debt with XXXX. They then told me I needed information about the payment if not it would take months for the debt to be removed from my credit. I then got the XXXX balance letter from XXXX stating the account was paid and cleared. Called back the company to send them my XXXX balance letter. They gave me a email and I forward the letter. The debt is still on my credit and Ive tried to take care of this since XXXX, I even called XXXX again and asked if they show a XXXX balance and if they are notifying the collection complaint. They told me yes and they dont understand why the debt is still on my credit.
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 XXXX XXXX XXXX. 

XXXX XXXX : XXXX, XXXX XXXXXXXX : XXXX, XXXX  : XXXX, XXXX XXXX : XXXX, XXXX XXXX, XXXX : XXXX, XXXX : XXXX, XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX ( ORIGINAL CREATOR : XXXX XXXX XXXX XXXX ) : XXXX, XXXX  ( XXXX XXXX : XXXX XXXX XXXX ) : XXXX, XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX  XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I learned from my identity theft protection service ( XXXX ), of a collections attempt on my credit report. I reviewed the collections attempt. The business responsible for the attempt was XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. The amount of collections was for {$25.00}. I immediately called the business at XXXX. I learned this collections was from XX/XX/XXXX when my ex-wife took my child to XXXX XXXX XXXX ( XXXX ). I immediately paid the amount and contacted XXXX and learned my son was seen XX/XX/XXXX to XX/XX/XXXX and there was an outstanding balance with XXXX. I paid the entire balance of {$390.00}. I learned my ex-wife but me down as the guarantor for XXXX. I also learned from XXXX all of the billing information was directed towards my ex-wife 's residence and my address was not on any of the paperwork. I was only listed as the guarantor and my social security number was provided. I disputed the collections with XXXX. Within 1 business day, XXXX agreed with my complaint and removed the collections from my credit report. I further disputed the collection with Equifax. Within 3 business days, Equifax responded by saying " The results are we verified that this item belongs to you. We have verified that this item has been reported correctly. If you have additional questions about this item please contact XXXX XXXX XXXX '' My complaint to XXXX and Equifax was " Unaware ex-wife put my name down as the guarantor in regards to my child 's doctor visits. Bill has been paid in full. '' XXXX understood my complaint and quickly resolved the issue. Equifax is being difficult in this matter. I had no knowledge of these doctors visits. When I became aware of the collections, I immediately contact the business and paid the outstanding balance. I further contacted XXXX and paid the entire amount. My ex-wife using my information will be handled in a different forum. I pride myself on perfect credit and Equifax is being difficult and not understanding.
Product: Credit reporting or other personal consumer reports

I am writing to complain unauthorized inquiries on my credit report. After reviewing my credit report, I have identified inquiries that I did not authorize or recognize. These inquiries came forth despite a fraud alert place by the reporting agency Experian with my contact information, all of which was not recognized despite their own policies. I request that these inquiries be removed immediately according to the FCRA sec 604 ( f ) and lack of permissible purpose. The unauthorized inquiries are listed in full detail in the attached supporting documentation.
Product: Credit reporting 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 15 U.S.C 1681 Section 602 A. States i have 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.

15U.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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s- ( 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. 


I ask many times for proof of signature of contract for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. that this account belongs to me, However XXXX refuse to send me any proof of contract with my S

ignature to verify it mine account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts below to be verified with my signature or be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

I am a XXXX XXXX XXXX, a XXXX, and trying to move forward with the PSLF ( Public Service Loan Forgiveness program ). My loan has been bounced around from one loan holder to the next since I graduated in XX/XX/XXXX. While I have been on the required income contingent repayment plan and have not missed a payment since graduation, neither my current loan holder MOHELA, nor the Federal Student Aid Student Loan Support Center ( nor the US Department of Education ) have a record of the total number of months of my repayment. Because a new company ( MOHELA ) currently holds my loan, past companies who have held my loan no longer carry record of my months of repayment either. Due to lack of transparency in the sale of my loan from one company to the next, there is no way for me to verify my months of repayment for the Public Service Loan Forgiveness program -- this means that I may be paying unnecessary and excess interest on my loans for having tried to participate in the PSLF program since graduation in XX/XX/XXXX. 
I have contacted MOHELA several times looking for records. The last date ( and only one I have clearly documented ) is XX/XX/XXXX. 
I have contacted the Federal Student Aid Student Loan Support Center : the last date is XX/XX/XXXX. 
I have contacted the US Department of Education : the last date is XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I had a mortgage with XXXXXXXX XXXX They sold my mortgage to XXXX XXXX. This resulted in my credit report tanking over XXXX points. Both credit bureaus say this is normal and my credit should bounce back in 3 months or so. I do not accept this. I did not authorize or ask for my mortgage to be sold. If XXXX wants to sell my mortgage that is fine, but these types of transactions should not affect my personal credit score. That score is used for insurance rates, loan rates, etc. I should not be penalized for transactions that are beyond my control. This complaint is about Experian and XXXX and how credit is reported. A mortgage being sold should reflect that way so credit bureaus can properly report. I shouldn't have to pay a higher rate on a loan because my score was showing low due to something completely out of my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was sold off to M & T Bank for servicing and in XXXX XXXX I received a phone call saying my mortgage payment was delinquent. I explained to them my mortgage began in XX/XX/XXXX and it comes directly out of my checking account. M & T stated that my mortgage payment was {$50.00} too short. I explained to them to take it out of my checking account since my mortgage payment has always been set up as a direct withdrawal out of my checking account since XXXX. They said my property tax had gone up, so it was {$50.00} more ( per month/payment ). After a long discussion with someone in the Servicing Department, they advised that I need to sign a form to have the additional amount taken out each month, so I told them to send me the form and they agreed. Nothing was sent so I kept calling them and they would tell me they would send the form. This went on for months and they kept calling telling me my payment was delinquent. I have tried for months to get them to rectify this to no avail. Now they are telling me my mortgage is in default and threatening foreclosure. It is impossible to reach anyone in their corporate office and the only personnel I can reach are the mortgage servicing people who don't seem to get it. I have called seven ( 7 ) New York M & T Branches around XXXX NY and talked to them for help. Each one said they were immediately emailing the corporate office and would have someone call me ASAP. For 6 months NO ONE has called except the Mortgage Servicing people harassing me so I finally told them I would no longer speak to the mortgage servicing department due to their ineptness and that I was requesting a phone call from Corporate to resolve the issue. They refused and to this day I am now being threatened with foreclosure even though my mortgage payment has ALWAYS been taken directly out of my checking since XXXX. I am desperate. I can not get a resolve and they won't take the correct amount out of my checking each month and yet they claim it is my fault. PLEASE HELP! I feel like all they must do is to ignore fixing the problem and then one day just foreclose on my home and leave me homeless. This has become a nightmare.
Product: Mortgage

I recently refinanced my mortgage on XX/XX/XXXX. I paid the new mortgage company ( XXXX ) on XX/XX/XXXX. However somewhere during the month of XX/XX/XXXX the new mortgage company XXXX XXXX took over. I never received the notice. XXXX XXXX is stating they didnt receive my XX/XX/XXXX payment and because my XXXX loan is closed they say the didnt receive the payment. I have proof of payment from XXXX, yet they cant get my money back. I am now out {$1300.00} and no one is getting the money returned to me. What can I do? XXXX prompts tell me the loan is closed and hang up. I have faxed them and sent a letter providing my proof is payment. Please tell me how I get my money back so I can pay XXXX XXXX. 

Thank you XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. 
Inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FTC more specific the GRAMN-LEACH BLILEY ACT 15 USC 6802 ( a ) notice requirements. except as otherwise provided in this subchapter, a financial institution may not directly or through any affiliate disclose to a non-affilated third party nonpubic information, to a consumer reporting agency.

15 USC code 6802 ( c ) the consumer is giveing an explantion of how the consumer can exercise the non-discloure opition, to OPT-OUT