23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX I refinanced a loan I was told by insurance company and lender that insurance has been paid prior to closing XXXX $ in XXXX with the new loan holder I was told theres no escrow due to paying insurance that was never paid XXXX sold loan to Mr Cooper raising my mortgage because of the shortage..
Product: Payday loan, title loan, or personal loan

XXXX approved an online application XX/XX/2020 in my name. The application was filed in my name with my banking information/savings account. A lump sum of {$1200.00} was electronically deposited to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. This savings account is rarely used so I thought the deposited seemed suspicious. Upon further review from the credit union, they determined the funds were deposited and the money be reversed and sent back to XXXX. 

I never applied for any loan ( s ) with this company. I was encouraged to file an identity theft report. I then filed and FTC complaint, several XXXX  complaints/responses, and a report with the Attorney General of Wisconsin. 

I am terrified about this mysterious deposit because this account is my savings account, not a checking account. I did not apply for this loan and XXXX is refusing to address my concerns regarding quality assurance and loan verification processes. I asked XXXX for specific information via e-mail and by phone. Instead XXXX communicated with me via the XXXX of Wisconsin saying the loan was valid and legal. XXXX is ignoring the fact that the loan was fraudulent and someone else applied for the loan to phish from my banking account and then leave me on the hook for a loan@ 794.95 % ( {$8000.00} USD ). XXXX says the online application was approved on XXXX. I don't understand how they verified if this loan could be paid back. All financial institutions require employment verification, pay stubs, references, and pay frequency. None of this information could have been supplied upon XXXX loan approval. I had absolutely no knowledge of the XXXX loan or terms until they forwarded the online application to the XXXX. I have copies of my police report, FTC report number, and the XXXX correspondence sent to the XXXX  if the documentation is required. Throughout my complaint processes leading up to filing this report, XXXX has replied to me as if I applied for the loan not as a victim. 

I am exposed and I have no protection of my information and how it is being used. I am a victim of identity theft, phishing, and I am being locked out of my email accounts etc. These are scamming attempts to take what I don't have and XXXX is aiding this process. I am extremely unhappy and I need answers. I want to take XXXX to court, press charges, and any other legal actions I can take against them. XXXX 's response to my complaint resulted in no further action because they are claiming immune from legalities because of " XXXX affiliation '. I understand they may be immune to consumers who actually applied, which I did not. XXXX is not taking my matter seriously and I am sure this is happening to others. I am a victim of this pandemic resulting in significant loss of income and suffering as many American 's are.
Product: Payday loan, title loan, or personal loan

In XX/XX/2023 I borrowed {$250.00} from the lender to which {$84.00} was to be debited from my checking account in 4 installments beginning in XXXX to repay the loan and interest. 

An additional {$84.00} was debited from my checking account in XXXX. 

Upon learning about the XXXX withdrawl, I contacted the lender about this. I was informed by the lender I agreed to 12 monthly payments. 

There is no way I would ever agree to a ridiculous deal like this. 

I could use your help, please
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion took my score down XXXX points on XX/XX/2022 because a company did a name change. I pay on time i have no control over someone elses name change... they said it was computer generated. Nothing they can do. I work hard to keep my score up. This is not fair
Product: Payday loan, title loan, personal loan, or advance loan

I received an email from Affair on XX/XX/XXXX regarding my billing address being updated and adding a XXXX XXXX XXXX XXXX As I did not recognize the action, I decided to call and confirm what was happening. I was hit with the news that I had requested a loan to pay a vendor by the name of XXXX XXXX. I was beyond surprised and immediately advised them to stop everything as this was not me. They explained that they would investigate and stop all processing. According to them I would hear back within 3-5 days. I called back XX/XX/XXXX to confirm that the loan was not processed and that the investigation was still running its course. However, I was hit with another shock, the loan was processed and funds were sent to the vendor. I asked why this happened if I had called and requested a cancellation/stop as this was 100 % fraud. The person on the phone explained that although the investigation was opened it was also closed on the same day without an outcome. The account was also supposed to be locked but that also did not take place. Their excuse was that this person did not know what they were doing. After I expressed my frustration and requested to speak to someone else, I was told by this person that they didnt have a supervisor as they were the supervisor and they stopped speaking but remained on the line. No matter how much I spoke they remained silent. I disconnect and called back, I spoke to a supervisor to try and understand why this loan was still processed and what were the next steps. He said he couldnt verify me because I couldnt verify the email on address ( which was changed by whoever attempted to get this loan ) but after placing me on hold, he came back and said that he was able to confirm that an investigation was opened on XX/XX/ and that it could take up to 30 days to complete. I asked what would be the impacts to my credit if this fraudster decided not to pay and he didnt really answer. After I began expressing my frustration to the fact that they allowed this loan to process despite being told that it was fraud, this person disconnected my call.
Product: Debt collection

Had to take Classes for a XXXX at {$25.00} per class. If you did not pay, you could not attend class. If you missed a class, you had to make it up and pay the {$25.00} for the missed class. They say I owe {$100.00} with Interest.
Product: Debt collection

I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY Provide verification of the following : 1. The original Application or contract ;  2 . Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ;  4 . Any and all canceled checks ;  5 . Original date of default and collection activity begin  6 . Whether you purchased the debt, and if so, the amount paid for the debt  7 . The date  ( s )  the debt allegedly accrued ;  8 . An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

I mailed in a letter asking Experian to provide information as to where they received information on a Bankruptcy showing on my credit profile. I asked them to provide the source or to let me know who provided that information to them. They opened a disputed and closed it saying it was verified. I never received any of the information that was requested. Bankruptcy XXXX XXXX Reference # XXXX
Product: Debt collection

I have reached out to National Credit Systems Inc., company several times, informing them that a debt in the amount of {$4400.00}, they were claiming that i owed was not my debt & to providing me with proof that it was my debt. Document ( s ) showing my signature & any other relevant proof. They said it was for housing/apt that i rented, in another county, in XXXX. Which i have been residing in my residence since XXXX. The company just kept sending me a letter that was stating that i owed it & they sent me paperwork with my name typed on it. I called several times & spoke with the same rep that was very rude & said that she will not remove the debt & that i then need to go file a identity theft with the police dept. Now they have not responded to any letters that i send them & they have reported this to the credit bureaus which has caused a financial hardship for me.
Product: Credit card or prepaid card

Application : XXXX I applied for an extension of credit and was denied by Barclays because they're are approving consumers by a judgemental scoring system which is discrimination as congress states in the Federal Equal Opportunity Act. Barclays did not act in good faith because credit isn't a privilege but it's the right granted. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. According to 12 USC 1431 banks are borrowers and not lenders and my application was a financial asset. Barclays has a transaction on my consumer report which me there was an unauthorized use of my credit card ( 15 USC 1602p ) where I didn't receive any benefit from the consumer credit transaction.
Product: Debt collection

This is not a refusal to pay an alleged debt! TRANSWORLD SYSTEM INC claims that I am obligated to pay them an alleged debt associated with account # XXXX. TRANSWORLD SYSTEM INC shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If TRANSWORLD SYSTEM INC can not provide the original instrument or proof that it still exists, then TRANSWORLD SYSTEM INC shall send me an original statement affirming that TRANSWORLD SYSTEM INC did not sell the original instrument because if TRANSWORLD SYSTEM INC didn't sell the original signed instrument of indebtedness ; then TRANSWORLD SYSTEM INC should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when TRANSWORLD SYSTEM INC produces the original instrument or proof that it has not been sold, which proves that I am obligated to pay TRANSWORLD SYSTEM INC. Also please produce the trilateral contract between me ( consumer ), XXXX XXXX, and TRANSWORLD SYSTEM INC that shows I agreed to do business with TRANSWORLD SYSTEM INC XXXX with DELMARVA POWER or on behalf of XXXX XXXX. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!
Product: Credit card or prepaid card

I submitted an application for credit, done in good faith. The company denied me access to my unlimited credit, using reasons from a credit reporting agencies, which are irrelevant regarding consumer transactions. Those reasons are hearsay, discriminatory and do not negate the fact that the consumer has access to unlimited credit. The company can be liable under the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion multiple letters including an FTC report that they asked me to submit and still fraudulent inquiries are reporting. Please help me!
Product: Student loan

Navient was completely unresponsive to my messages and calls regarding payment option. I tried to see if a modification or option to pause my loan was available and they simply said no. If you do n't pay it will mess up your payments history. No alternative options are available. This company was horrid to deal with.
Product: Debt collection

Dear Sir/Madam : I am being sued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) who filed a complaint against me in XXXX XXXX, XXXX. I now have a pre-trial conference scheduled for XXXX XXXX and a trial scheduled to take place the following month. I have been in a legal battle with this entity for two years and managed to vacate a judgment placed against me. I do not have a lawyer because I simply can not afford one. I have filed numerous complaints ( before I was sued ) with the Attorney Generals Office as well as Consumer Financial Protection Bureau ( CFPB ) against XXXX who claim to own my private student loans to no avail. Both agencies failed to conduct a proper investigation into the matter and failed to protect me as a consumer. After I had conducted an investigation, I realized that XXXX did not own my private student loans due to the following : 1. XXXX provided copies of my promissory notes with missing pages ( e.g terms and conditions ) 2. XXXX provided copies of their Pool Supplement and Deposit & Sale Agreements which were not fully executed, did not list my name, did not reference promissory notes, no purchase amounts listed and not notorized. 
3. It is unclear if the name listed under the lender, Charter One Bank, N.A. Is an authorized signer. Most companies have a delegation of authority in place. 
4. XXXX is claiming I owe more than what I borrowed and paid towards the private student loans. 
5. Charter One Bank was acquired by Citizens Bank in XXXX but did not change their name until XXXX. It is unclear whether Citizens Bank sold the debt or paid it off when they purchased Charter One Bank. 
6. Citizens Bank is unable to confirm the business transaction between Charter One Bank and XXXX. 

When I read the XXXX XXXX XXXX article about CFPB filing a lawsuit against XXXX, I thought finally there was light at the end of the tunnel. This quickly changed when I called CFPB only to find out no one knew about the case. I thought CFPB made it clear to XXXX to cease all collection efforts in regards to debt collection until an audit was performed? Why am I still being sued? I hope you understand that there are individuals going through the legal process now. Not just those who were already sued and have been paying XXXX. What do you say to those individuals such as myself? Sorry we can not give legal advice. This does not make any sense. CFPB should take full responsibility for letting millions of consumers down. XXXX have been illegally filing false claims in court against borrowers since XXXX. You finally did a review and filed a complaint against this entity in XXXX. Really? If you think you deserve a pat on the back ... ..you dont deserve it. As a matter of fact you should also be sued for your failure to properly conduct an investigation, communicate with consumers and taking action against the entity in question. I need someone in upper management who is familiar with this case to contact me.
Product: Mortgage

XXXX XX/XX/year>, I received a letter stating that an escrow analysis was conducted and there was an {$97.00} shortage, which I decided to pay as a separate amount to not make my monthly payment increase. I paid the complete total amount for the shortage. 

For the my upcoming XXXX and XXXX statement my monthly mortgage payment had increased {$7.00} dollar per month, from {$2100.00} to {$2100.00}. I called my bank support and to my surprise I was informed they ran a second escrow analysis without informing me, as I hadn't received any letter regarding that second escrow analysis. I told the bank support technician that I had received that letter I would have paid it separate instead of making my mortgage monthly payment increase. As you know, my monthly payment is already high with a 6.7 % interest rate, I would never want to make my monthly payment increase. 

I can provide of statement, and receipts, if requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 DEMAND LETTERS WERE SENT CERTIFIED TO THIS COMPANY WHEN THEY LISTED THAT THE ACCOUNT WAS FROM ONE COMPANY 3 DEMAND LETTERS WERE SENT CERTIFIED TO PROVIDE A DOCUMENTED INVESTIGATION THAT THIS ACCOUNT WAS LEGITIMATE 3 DEMAND LETTERS WERE SENT CERTIFIED MAIL THAT I NEVER RECEIVED MAIL OF AUTHORIZATION BY MYSELF THAT THEY HAD THE WRITTEN RIGHT BY MYSLF TO PROVIDE INFORMATION ABOUT ME ON MY BEHALF OR ON THE BEHALF OF ANOTHER COMPANY DELETE AND REMOVE ALL COMMENTS THAT WERE SUBMITTED CONTINOUSLY BY THIS COMPANY SAME AMOUNT SUBMITTED BY AN ADDITIONAL COMPANY WITH NO PROOF OR DOCUMENTATION OR PROOF OR AUTHORIZATION BY MYSELF AND NO WRITTEN AUTHORIZATION BY MYSELF, THAT MY FEDERAL RIGHTS WERE BEING VIOLATED AND THAT I WOULD DBE FORCED TO EXERCISE MY RIGHTS UNDER FEDERAL LAW AND I WOULD BE FORCED TO REPORT THEM TO THE CFPB AND ANY OTHER FEDERAL LAW AGENCY ON MY BEHALF CONTACTING XXXX XXXX TO PROVIDE PROOF WITHOUT MY AUTHORIZATION IS NOT PROOF OF VALIDATION NOR IS IT PROOF OF VERIFICATION, WHO, WHAT, WHEN, METHODS, DATES NOT PROVIDED, INVESTIGATION STEP BY STEP DOCUMENTATION PROOF NOT PROVIDED, ILLEGALLY CHANGING NAMES OF COMPANIES UNDER THE ACCOUNT WITH OUT LEGAL PROOF THAT THE FEDERAL LAWS WERE FOLLOWED WERE NOT DONE
Product: Payday loan, title loan, or personal loan

Three percent rate is almost 800 percent, took two loans out first loan, I payed back in full, second loan I got sick, and the money I have payed them has been more of what I have taken out, and they still want XXXX which is a joke, but I still said I will pay XXXX a month until its paid off but 800 percent is so crooked, give me a break, thats a scam
Product: Checking or savings account

On XX/XX/2024 at approximately XXXX, A company called stating that they were my bank account, Citizens and that someone was trying to make a purchase in XXXX XXXX of {$990.00}. They wanted my personal information including my social security and etc. which I believed. After calling Citizens Bank, myself, they have confirmed it was a scam to open up credit cards. 

XX/XX/2024 : at XXXX, The same number that scammed me called again. 
They not only call my landline but my cell phone as well. 

The numbers show up on the caller ID as : XXXX number Phone number : XXXX And XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of late payments on my credit card account, as reflected in my credit report. 

XXXX XXXX XXXX XXXX XXXX According to my understanding of the United States Code, specifically 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I kindly request that you investigate this matter and make the necessary corrections to my credit report.
Product: Credit reporting or other personal consumer reports

This is my fourth attempt to inform you that I am a victim of identity theft and to dispute specific records in my document resulting from this crime. The records I am contesting pertain to transactions for goods, services, or money that I neither made nor authorized. Please remove any information in my credit report that resulted from this alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX : {$65000.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$65000.00} XXXX  XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit card

I received an alert on my credit report that a hard inquiry was made to my credit report by a company called " First Data Merchant Services ''. I immediately recognized this to be a fraudulent inquiry and attempted to contact First Data to alert them to the fraudulent activity and close the account if one had been opened. I found a customer service phone number and talked to a representative who told me I needed to speak to the Security Department. I was transferred. The call went to voicemail and I left a message explaining the situation and left my phone number. After receiving no call back for XXXX days I called again. Over the next week I called First Data 24 times trying to speak to someone who could address this potential fraudulent activity. I was always referred to the same " security '' desk who never answered the phone and never returned my call. It has been three weeks and i 'm still yet to be contacted. 
This company issues credit card processing machines to merchants. Someone has potentially opened a fraudulent account using my personal info and this company can not or more likely will not contact me to attempt to resolve. As frustrating as identity theft is, it isnt nearly as frustrating as a company like this who gives them the ability to perpetrate then gives no ability to the victimized consumer to address. Furthermore, I was unable to obtain an e-mail or mailing address to either the security department or legal department to send a letter with my concerns. I asked agents as well as their website. Not one email or mailing address is listed on their website. Please address this criminally negligent company.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting inaccurate dates opened.