23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have three federal student loans currently in default status. I was contacted by National Recoveries collections agency in XX/XX/XXXX stating that their office had received my loans and would like to offer their rehabilitation program to get my loans back in good standing. The program involved me making 10 consecutive monthly payments, after which my loans would be turned over to a new lender. From there i would be in good standing and begin making payments to that lender. I was told that in order to get started I would need to provide my income information to determine the amount my payments would be. I did so, and was given the amount of {$98.00}. This amount would be auto drafted from my checking account on the XX/XX/XXXX of each month. I provided all of this information over the phone, never receiving or provided anything in writing. I was informed that this program would be validated with an official agreement, in which i would receive by delivery service, then sign and returned to their office. I never received any such agreement from the collections agency. However, in XX/XX/XXXX the first payment of {$98.00} was drafted from my account. I did not contact the agency at that time because I thought that at some point I would received the agreement, and I was enrolled in the rehabilitation being that money was taken out of my account. The payments of {$98.00} was then also drafted from my account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received a call from a rep with the agency stating that I needed to provide some additional financial information to determine my monthly payments for the rehabilitation program and to sign an agreement. I asked for a further explanation for this request. I was told by the rep that i was not currently enrolled in the rehabilitation program because I only provided one check stub for income verification and I had not signed an agreement. I first asked the rep why it took this long for someone to contact me if there was additional information needed. I then also asked why has money been drafted from my account for 5 months if I am not currently enrolled in the program. He replied by saying the 5 payments of {$98.00} that have been made were going towards my principal balance, and my 10 month program would start once I provide two of my most recent check stubs and sign the agreement letter. I informed the rep that this is some completely different information than what I had received initially. I was only told that my payments of {$98.00} would be for the rehab program. I had no knowledge of my payments going to a principal balance and that I was not actually enrolled in the program. The agency clearly made no efforts to send me the agreement letter, nor make me aware that I was not previously enrolled in the rehab program. However, they were consistently drafting money from my account. It is only now that I am being informed that my payments are going towards something other than what I was told in the beginning. This is a dishonest attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Submitted on fraud issue : References : XXXX XXXX XXXX After attempting to get this problem fixed Equifax illegally froze my account without my authorization. The issue has finally been resolved but Equifax has not yet acknowledged, except on a phone call, that someone at Equifax broke the law when they added a freeze to my account after I specifically stated that they were not to do this. My whole issue here was that I wanted to be able to self-serve a freeze/unfreeze, so that if I needed to purchase something requiring a credit check I would easily be able to go into all three bureaus, unfreeze, make my purchase, and put the freeze back. What made matters worse is I didn't even KNOW this was done until I had a telephone conversation, and at that point she removed the freeze. 
I submitted XXXX as my demand for financial compensation due to the fact that Equifax BROKE THE LAW when they put a freeze on my account, especially since, in my complaints, I specifically stated that they are NOT to do that. 

I am demanding financial compensation for this breach of the law.
Product: Mortgage

On XX/XX/2021 I received a call from a PennyMac agent to refinance my house. He sent an estimate of my new payment and interest. He sent paperwork thru email for me to sign. I did sign everything thru electronic signature. I did not hear from him for few weeks. Which I called him several times in between and left several messages in his voice mail., no responses. Like in XXXX, I received a packet my mail for me and my husband to sign and send it via fax, which I did. Same thing no response that he received the packet or nothing. Late in XXXX I called the company directly and asked about my refinance processing and I was told that my application has been cancelled for no response. I tried to explained how it happened and I was told that my agent 's supervisor was going to call me. Until today, I have not received a phone call from any supervisor. I just got a call form the agent the same day that I called the company asking to speak to a supervisor and I was told by him that my application cancelled because I never submitted any documents. All he said sorry but we only give 15 days to provide documents, but he never told me this and I never received a letter telling me of the decision. If you want to re apply we will give you new rates. sorry and hanged up. I cried because I feel betrayed and laughed and discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, This is my 5th time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to Experian, I have already contacted every I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file creditor directly and they have no proof of permissible purpose or even a record of me on file. 
I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from Experian OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY, or provide me proof of permissible purpose. No idea who these companies even are : { Creditor Name } : XXXX/XXXX  { Date } : XXXX { Reason : Not authorized / No Permissible Purpose } { Creditor Name } : EXPERIAN XXXX XXXX  { Date } : XXXX { Reason : Not authorized / No Permissible Purpose } { Creditor Name } : XXXX XXXX XXXX XXXX XXXX { Date } : XXXX { Reason : Not authorized / No Permissible Purpose } Once again, let me be clear that I have already contacted every company listed and most do not even have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and perform a COMPLETE investigation in regards to the above listed inquiries. 
Please provide me with the outcome of your thorough investigation within 30 days of receipt of this letter. 
Thank you, -
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo credit card I was authorize person, my name is already off from Wells Fargo but still appear as Im still authorize person in credit report. The one that has a credit line if {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts ; XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$650.00} ), XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$150.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XX/XX/XXXX, Credit limit {$650.00} ), XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, Balance {$180.00} ), XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$990.00} ), XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX, Balance {$790.00} ), XXXX XXXX BANK ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

I have a letter from Ditech Financial LLC, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. The letter offers me a settlement opportunity. I have searched through my records and it appears to me that this debt was bought from XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. This account was paid in full in XXXX 2004. I am perplexed as to why Ditech has this when it was paid. My distress at the moment is that it is a negative item on my credit record and I have tried to explain to the company and the credit bureau that this is a mistake and I want it removed from my credit record but I have not gotten any cooperation. 
The statute of limitations on debts is 4 years in Texas. This should not be on my credit record.
Product: Credit card or prepaid card

I filed a dispute with Capital One in XXXX of 2022 for an item I purchased but had not received. Capital One disputed the item and returned funds. In XXXX of 2022 I received a letter stating the merchant disputed and funds would be rebilled. I needed to respond with a letter in a certain amount of days in which I did but capital one is saying not enough info was provided in the letter. I called back and was told I needed the case reopened and to send in phone records proving I called the company and they would resolve the issue. After waiting for 2 additional weeks I called capital one back and they are now stating the original letter I sent in did not mention the companys return policy but I dont understand the relevance of a return policy when I never possessed the item and I clearly mentioned it in the letter. I never received an item from the company to possibly return it. Capital one has requested I send in several items and each time I have done so. I was advised by a capital one representative the company I am disputing against has indicated they are responsible and ok with returning funds however capital one is stating its conflicting what they are saying and unable to acknowledge. I have once again been advised to send it additional documentation concerning this matter. I have been given 2 case numbers from capital one XXXX and XXXX.
Product: Debt collection

Recently I noticed a company called XXXX XXXX XXXX Reporting a debt for XXXX XXXX amount XXXX .. I called them and advised them this debt was included in bankruptcy case # XXXX chapter XXXX discharged XX/XX/05.. their response was we don't have any information about that.. when I researched this company, they attempt to collect old debt. They are still reporting this debt to the credit bureau which is affecting my credit
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM XXXX XXXX XXXX  HELPING ME DUE TO XXXX XXXX FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$29000.00} XXXX XXXX XXXX {$11000.00} US DEPT ED {$0.00} XXXX {$0.00} XXXX  XXXX {$3100.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX  {$2300.00} XXXX XXXX  {$6900.00} XXXX XXXX  {$6600.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard inquiries on my Equifax  XXXX XXXX report from XXXX   XXXX, XXXX XXXX the 1st on XX/XX/XXXX and 2nd XX/XX/XXXX I did NOT authorize these and Ive tried everything to get their customer service on the phone please help
Product: Vehicle loan or lease

I am filing this complaint because I have requested in writing that all over payments be applied directly to my principle balance. I was advised that they could not accept a written request to apply my payments as requested. I would have to call on after each payment and verbally state that I want the over payments applied to the principle balance only. This is a waste of my time and I feel that if I put it in writing that should be sufficient enough to have my payments applied as requested. If I forget to call in that will be money in their pockets which is stealing from me!!!
Product: Credit reporting or other personal consumer reports

inproper use of my credit dont recognize accounts voilation XXXX XXXX XXXX XXXX pertmissible purpose for which consumer credit reports can accessed and used by third parties. these account was open without my permission or consent
Product: Debt collection

I received a letter in the mail stating I owe Army & Air Force Exchange SVC the collection company is XXXX XXXX XXXX a balance of {$1400.00}. I have filed a police report and have disputed charges and sent documents to them showing I am a victim of identity theft. However, because payments have been made to Army & Air Exchange SVC for this account. They say I owe the balance. I have never made any payments to Army & Air Exchange SVC. I have not received a card from them or benefit from this card. I have sent another dispute letter. I recently received another collection trying to collect the balance a couple of weeks after I sent my dispute letter out again to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called Equifax about an inquiry on my credit report i didn't apply for credit with this company. They are unwilling to help me. the inquiry was from XXXX XXXX XX/XX/XXXX XXXX i want this deleted from my credit report because i didn't do it.
Product: Debt collection

They are trying to collect a debt that was paid in full to the original creditor ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

privacy and confidentiality under 15 USC 1681. 

Account name : # ending in XXXX ( XXXX XXXX  ), Account name : # ending in XXXX ( XXXX ), Account name : # ending in XXXX ( XXXXXXXX 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: Debt collection

On XX/XX/XXXX I sent a certified debt validation letter to common wealth financial company asking them to verify the debt they claimed I owe. They in return sent me a letter back stating to dispute the validity of the debt. I in fact had already done that and they didn't send me proof that the debt in question actually belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2XXXX XXXX XXXX XXXX XXXXXXXX This is not my acoount please remove fraudulent/ unauthorized closed account from my report or provide proof in writing within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

i certified validation letter to XXXXXXXX XXXX  on the XXXX of XXXX. The letter was not delivered. The post verified on the XXXX of XXXX that the property is vacant and there wasn't a forwarding address.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report of XX/XX/XXXX. 
Reports a XXXX account Opened XXXX XXXX XX/XX/XXXX Address of XXXX XXXX XXXX deleware On my Equifax report of XX/XX/XXXX Reports it is a changed name XXXX XXXX XXXX DELEWARE Not XXXX XXXX I reported fraud and identity theft in XX/XX/XXXX to  XXXX/Equifax. The accounts were supposed to all be closed but this changed name account within 6 months were reported 2 different ways on the same company Equifax XXXX opened XXXX XXXX XX/XX/XXXX shows it remained open thru XX/XX/XXXX
Product: Debt collection

I asked company for original statement and never received it. They called my neighbor across the street and left a call back number, they call my mother in law and did the same. I contacted ExperianXXXX and they removed it twice, now 2 years later it showed back up and refuse to remove. Original report number with Experian # XXXX
Product: Debt collection

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Re : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XX/XX/XXXX ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. XXXX XXXX XXXX  XXXX : XXXX v. XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 

Also, I have received a statement claiming that I owe a debt to XXXX XXXX and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 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. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.

I also request to see a certified copy of any contract or agreement between you and XXXX XXXX  that gave you the right to collect this debt Account No. :XXXX Respectfully Submitted
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Around XXXXXXXX XXXX XXXX, I saw a video ad on social media that peaked my interest. I was going into the insurance business and it was a dual funnel system to generate leads for me. I thought, great, if this program works to generate leads for me I dont have to buy any from sketchy vendors, nor chase leads as the program said helps to reduce. I set up a call to learn more. I got on the call XX/XX/2022, the salesman said that I would have a personal mentor who would help me set up the program to generate leads and that I would make {$30000.00} per month. I purchased the program, paying half, {$3900.00}, at the moment and the salesman did not mention when I would have to pay the rest, but that he wanted me to see the program and swore on religious practices that it would be helpful. He also mentioned that if the program was not a good fit, that I could withdraw and receive a refund. 
AFTER they charged my card, they sent me a docusign, which he said I had to sign, which was the terms of service. Out of good faith, I signed. I got access to the program. 
I then saw that they were all modules, it was a classNOT a program that would generate leads for me. I had to do it all. 


I was deceived into making a purchase for a service to generate leads for me. The sale was over the phone in which no payment plan details were given nor was a receipt stating what it was I was actually purchasing and I paid half of it in the moment. I started the program I purchased, and it was not as agreed or described by the salesman. 
I used my Apple Card. 
I requested to cancel with the merchant the following week, given that the salesman on the phone said I could if the purchase didnt fit my needs. I talked to the salesman on the phone, he said he would talk to his higher ups but that he wanted me to really give it a chance. He also said that I would not be charged for the other half of the price until we came to a resolution. He never got back to me, the following month I was charged the second half, and then began the dispute with Apple Card. 
The dispute has now ended a few times not in my favor. Multiple times I have submitted emails showing that the merchant stopped responding to me on multiple different occasions. Goldman Sachs/Apple Card is not even looking at my evidence nor considering it. I do not feel heard at all by Goldman Sachs/Apple Card with my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions XXXX XXXX XXXX XXXX  {$1100.00}, XXXX XXXX {$9400.00}, XXXX XXXX {$10000.00}, Department of Education {$5300.00}, XXXX XXXX XXXX XXXX {$270.00}, XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX : {$450.00}