23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Around XX/XX/XXXX, I noticed that one of my loans could fully be paid off with my then-current paycheck. That month, instead of paying the minimum amount for each loan, I paid one of the loans back in full, while paying the minimum amount due on the others. The month after that, the payment amount due for that specific loan showed up in parentheses. I did n't know what the parenthetical meant. I assumed that it meant I had overpaid by that amount and that it was due to me as credit. The next month, I was still unsure about the loan amount in parentheses, so I just used the option to pay the minimum amount due on all of my loans. I noticed that this increased the amount in parentheses. So I stopped paying that loan all together. In XX/XX/XXXX, I checked in to my FedLoan account to see the amount due for XX/XX/XXXX. I stated an amount of XXXX. I had been paying back my loans on time and I also had applied for some financial hardship deferment earlier this year, but I was n't sure if that had gone through since some months showed an amount due and other months showed {$0.00} due. But in any case, it stated that I owed {$0.00} for XX/XX/XXXX. A few days after this date, I double checked my account and this time it said that my payment was 6 days late and that I was in delinquency. When I called Fedloan Servicing to inquire about this, I was met by one of their employees, XXXX. I did n't write down his employee ID number because I did n't think I 'd need it. When I explained my situation to XXXX, he was incredibly unhelpful. I repeatedly told him that I was seeing an amount due in a parenthetical, but he kept telling me that since he was n't seeing that on his screen that I was wrong. It was like talking to a wall. I respectfully told him that there must be a glitch in the system because I am seeing the parentheses. He simply said that he was n't seeing it so it must not be true. At this point, I asked him to redirect me to his supervisor. He became silent. I then politely asked for his employee ID number again. He ignored this request and told me that he would direct me to his supervisor. When I asked him again for his employee ID number he became completely silent. He then put me on hold saying that he was directing me to his supervisor. Now, I had called them around XXXX EST. Their hours are until XXXX EST. XXXX put me on hold just long enough until it became XXXX EST then promptly hung up the phone. I apologize my situation sounds so convoluted. To be honest, I am confused as well. But I think that is just a reflection of the way FedLoan Servicing is handling my loans and its repayment. I make payments on my loans on time and have been a good client. They are using confusing symbols on their page with no explanation and posting false amount dues on their page, thereby forcing clients such as myself to go into delinquency. This is affecting my credit score and I do n't know how to solve the issue. Please let me know if I can clarify this more. I am happy to work with you to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name 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: Mortgage

The mortgage company has money from a check from my insurance company. The money is to repair my roof. The total cost of the roof replacement is approximately $ XXXX. The mortgage company has $ XXXX. The contract/estimate from repairing company states the need XXXX of the total repair cost ( $ XXXX ) to start the work. The mortgage company will not release XXXX cost to repair the roof. Meanwhile, my house is damaged more every time it rains since the repairs have not started. I have asked several times for them to provide XXXX of the total cost. The company only wants to release XXXX of the $ XXXX which is not what the contract requires. No one provides a response to me after I have made my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX, XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX.I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts on this transaction. Your Company didn't even inform about the cost of credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ) these term " adequate notice " means any printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously to that a person against whom it is to operate could reasonably be expected to have noticed it and understood it's meaning. Such notice may be given to a cardholder by printing the notice on any credit card statement of account, issued to the cardholder, or by any
other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above mentioned sections. I couldn't understand it's meaning which is a violation under 15 USC 1602 ( k ) Furthermore pursuant to 15 USC 1601 ( a ) any consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ) According to 15 USC 1602 ( p ) the term " unauthorized use '' means any use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THESE DEBT ACCORDING TO 15 USC
1692 ( C ) 4 CAVALRY PORTFOLIO SERV XXXX XXXX XXXX XXXX from my consumer report. 
If you accept my request, I will not escalate this matter to Federal Court in case you don't accept the above requests a legal action shall be my next remedy against your Company for compensatory damages. 
Thank you for your attention to this matter. 

Sincerely Vertina-Doreen : XXXX ALL XXXX RESERVED WITHOUT PREJUDICE
Product: Credit card or prepaid card

My wife and I wrote Cease & Desist letters to all our creditors in XXXX, XXXX explaining that we owe almost {$150000.00} to all our creditors including their bill, and at the time there was no foreseeable way for us to pay our debts. We had lost our XXXX and at XXXX years old are no longer able to work. We are living on {$1800.00} per month with living expenses of over {$2000.00} per month. I have proof that the credit card company received our letter. I understand that we are judgement proof as our only income is Social Security. However, today ( XX/XX/XXXX ) I received Petition In Suit On Open Account that was filed with our local clerk of court on XX/XX/XXXX.
Product: Checking or savings account

I've already filed a complaint on this bank and you have closed it. And I don't agree with the outcome. I have been with this bank as I've seen it grow ... .from XXXX XXXX XXXX Wachovia , to WellsFargo. I started my business with them when I got my very first paycheck. I am turning XXXX this year! They are the only Bank I have done service with basically my whole life. Do you think {$500.00} is enough pay back? That is what a lifetime of broken laws is worth? I added up just XXXX years of overdrafts and it was close to {$3000.00}! 
You have everything from the prior case.
Product: Credit card or prepaid card

We have had fraudulent use of our credit cards over the past few years, so we applied for a new card with a smaller company. We charged about {$1000.00} on the card and signed up for online statements. We waited for a statement that did not come. We kept getting error messages that stated " Online banking is temporarily unavailable. '' We called numerous times to see why the password was not working. We were on the phone with Bank of the West customer service for over XXXX XXXX hours one time with them trying to get into our account. Finally, we asked for regular mailed statements so that we could verify that the charges were legitimately ours. We made a payment of that amount, but did not include the late payment fee that they charged us -- which was not our fault as the company could not get us an invoice, and the customer service rep stated that we would not have to pay. We canceled that card as we saw that this bank could not properly handle credit cards. The bank has sent us more invoices with late fees on top of late fees. We have phoned and written numerous letters to the bank to try and resolve this problem, but they simply do not understand that we do not owe them late fees and continue to send us late notices.
Product: Mortgage

My name is XXXX XXXX and I live on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was approved for loan modifications payments at XXXX/XXXX/XXXX by Bank of America and transferred my mortgage to XXXX XXXX XXXX XXXX. Before they approved me for this loan modification Bank of America Loan Service have sent a letter to me and ask to pay my loan modification payments. I have sent them my Cashiers check {$5.00} at XXXX/XXXX/XXXX. I was in a process off loan modifications more then 4 years. I thought this my {$5000.00} will be apply for loan modification payments when Bank of America approved me. But I never get back my money back from Bank of America and my {$5000.00} they never was apply for my mortgage payments. I called many time to different departments of Bank of America, I have sent them letter with my questions where my {$5000.00}, but I have got many different answers. They told me they have been sent my {$5000.00} to new my mortgage service XXXX XXXX XXXX. I called to XXXX and they answered to me then Bank of America never sent them my money. I will send you all my proofs, like copies of my cashiers check of {$5000.00} back and front, the post card certified mail wich Bank of America sighted. 
Please help me to get my {$5000.00} back, because I have sent to Bank of America for loan modification payments, not for something else. 
Thank you so much. 
XXXX My email : XXXX My phone number is XXXX My previous loan with Bank of America is XXXX
Product: Credit card

I have a US Bank XXXX XXXX XXXX credit card. Recently, US Bank has changed major benefits of the credit card. 
The most significant change was the elimination of the second free night award redemption as of XXXX XXXX, 2015. 
This was the single best feature of the this card that made it worth while of the annual fee. Had this benefit not been available, I would not have applied for this card. 
Also, starting XXXX XXXX, 2015, that benefit was replaced by an annual free night when you spend {$10000.00} on the card per year. However, you had to spend {$10000.00} in the previous year prior to the statements with the next annual fee. Because of the start date of XXXX XXXX, 2015, I only had 15 days to spend {$10000.00}, which was not enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Prancer Capital Corp dated XXXX XXXX stating that I wanted to use my right as a consumer to NOT have my account with them reported. I outlined in the letter that 15usc 1681A2at states that Transactions and Experiences are EXCLUDED from a Persons consumer report. I also stated the under Truth and Lending Act 15 usc 1602g and the FTC Gramm-Leach-Bailey Act all grounds for Prancer NOT to report my Account nor my Transactions Experiences ( payment history ) with them. I am NOT saying that I don't owe the debt, I have every intention to continue to make my monthly payments. Prancer sent a letter back stating that they are reporting my account correctly and that there will be NO changes. I DO NOT want this Account reporting on my consumer reports! I have attached that letters that I sent to Prancer. I sent another letter dated XX/XX/2023 via certified mail # XXXX. I have attached all letters to prancer and the letter they sent to me and a copy of my ID to prove that I am who I say I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX/Equifax after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was an Account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX : {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my credit score dropped a 100 points for no reason, I disputed this with the cfpb and it was corrected, within a week. Now in XXXX it dropped 105 points. Transunion have repeatedly done this to me over the last three years. I'm not for sure what is going on, either they purposely are doing this for their on own personal gain or there is fraud going on with my transuinon account. I have articles showing how Transunion has done this to many people.
Product: Mortgage

On XXXX XX/XX/2020, my new lender purchased my mortgage from Lakeview. I had an autopayment set to withdraw at the beginning of XX/XX/2020. I canceled the autodraft and erased my bank information from Lakeview 's system. On XX/XX/2020, Lakeview withdrew money anyway {$8300.00}. I contacted Lakeview to refund the money immediately. They said it would take 10 to 14 days. At 14 days, I asked them where the refund was. They said the check was in the mail. It has been 19 days. I have not received any payments. This is theft. Even if they have sent the check, they have optimized the delay in refund and have injured me the opportunity cost in interest. It's slimy and disgusting. It's illegal. Lakeview creates ways to steal money from its customers. They steal money from their customers and only react when a customer with the wherewithal and bandwidth complains. REF : XXXX
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Mohela Department of Education XXXX XXXX XXXX XXXX XXXX XXXX Account - Mohela/Dept of ED Account number - XXXX Dear Mohela, I am writing to formally request the removal of my student loans from my consumer report in accordance with 20 USC 1232g ( b ), which pertains to the confidentiality of student records. As per the Family Educational Rights and Privacy Act ( FERPA ), certain information is protected and should not be disclosed without my consent. 

The inclusion of my student loans on my consumer repoer constitutes a violation of this statute, and I believe it should be rectified promptly. I request that you remove all informtion regarding my student loans from my consumer report to ensure compliance by law. 

Please confirm in writing that the necessary actions have been taken. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

I rented and apartment notified I was moving out on XXXX 2012. 
My monthly rent was {$800.00} per month. 

I move up north with my family, I apply for work and was denied and Apply for School and was denied not sure way. 

I just received a letter from and attorney, they call constantly, harassing me. They say legal action will take place, if I do not make payments. 

I called the agency to ask way the balance is close to {$4000.00} when the rent I was paying was only {$800.00}. 

I know my balance may be about {$800.00} but the company refuse to clarified information, they say full balance will need to be pay. 
I am XXXX XXXX XXXX and I am trying to continued, school but not able to apply for fining. Company is damaging my credit. 
I was never informed or notified from property management that I had a balance. 

Please see attached support documents I have send to clarified the account.
Product: Debt collection

Being sued for a loan from more than 13 years ago that I have no knowledge of applying for, no access to any initial loan information, never signed any promisary notes or agreed to being beholden to this debt, was a minor at the time.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I notices several fraudulent accounts that were open due to identity theft please refer to the attached etc report and additional documentation and block and delete these accounts.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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
Product: Debt collection

CERTIFIED COLLECTORS is reporting 8 collection account that doesnt belong to me nor have they showed proof that they are my account I have disputed all 8 of multiple times but not once have they gave me proof that they are my account they all belong to another family members with the same last name they are just doing and saying anything to get money out of me because they said all 8 account needs to be paid off before any of them will be removed And they are lie on the remark on the credit report because I havent agreed to pay nor settle any of the account because they dont belong to me they are another family members account and nor have I signed say I will or be responsible for payment plz remove
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX {$81.00} / XX/XX/XXXX XXXX / {$4500.00} XXXX XX/XX/XXXX XXXX XXXX/ {$28000.00} XXXX XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Product: Debt collection

This harassment started in XXXX, over a car that was repossessed in XXXX. I went to court, and on XXXX the case was closed, case status Disposed. On XXXX, XXXX XXXX filed another claim against me for the same case, XXXX. I was never served in reference to this wage garnishment. I noticed that my wages were being garnished. I filed a defendant 's claim against XXXX XXXX, and Dunlap Gardiner, LLP ; went to court on XX/XX/XXXX at the XXXX XXXX XXXX. The Plaintiff 's garnishment was disposed and I was granted the money that was being garnished from my pay check. Then my employer notified me that XXXX XXXX had filed a new claim against me for continuation of wage garnishment. I filed another defandants claim again and wen to court on XX/XX/XXXX and my defendant 's claim was denied until I fight the underlying judgement, in which, I received no documentation in reference to the claim filed. I am really tired of going through this with them harassing me and garnishing my wages for a claim from XXXX, that was disposed, and my money was refunded to me. This is something that is not legit, and is causing a hardship with my living expenses and employment opportunities.The vehicle they are claiming I owe money for was repossessed in XXXX, and I never heard anything from this finance company. I stay at the same address for XXXX years and was never served any papers. I did not receive any notices from them after the case was disposed in XXXX until XX/XX/XXXX. I would like for them to stop harassing me and causing hardship in my life for a repossessed car from XXXX, that case was disposed, and I was refunded my money back that they had garnished at the time. I would like them to stop the garnishment and give me back all the money they have garnished from me at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Fifth 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 accounts 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 alleged fraud or extortion.