23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a rental/income property that NationStar foreclosed on because they refused to work the the Real Estate agent. He filed all the papers and had a buyer. Because NS dragged their feet and continued to ask for the same information over and over again, the buyer backed out. Agent than asked NS for an extension for find another buyer, they refused and foreclosed on the building. 
My problem is that on the XXXX under fair market value they inflated the number. Properties in the area are no where near what they have indicated on the XXXX. I have repeatedly called them to get this corrected, but with no success. I have been given the name of someone who is supposed to be researching this but I have called her twice within the past weeks and she has not responded. Additionally, they told me that the number under fair market value is the number they felt was a good bid for the property. They also added fees to this number. 'They got no bid close to that. They then foreclosed on the building without giving us a chance to find another buyer. I even said I would give them the keys and deed, they declined. 
Can you help me? This inflated number is affecting what I have to pay the IRS and my social security benefits because they are now taking more out of my check.
Product: Student loan

I have discharged the debt Navient is trying to collect on in Federal Bankruptcy court. XX/XX/12. They show the account as closed, but continually report that my payment is late. I have called, them, I have sent a letter of cease and assist and they continue to report on my credit. My finacial health has been specifically harmed and I would your assistance to stop.
Product: Debt collection

Had identity theft in XX/XX/2017. Reported to police. Thief caught and charged. 
Now, 3 years later, I'm getting debt collection on one of the illegally opened fraudulent accounts. The amount is {$590.00}. 
The original company was XXXX XXXX XXXX XXXX, the debt collector is 'Jefferson Capital Systems ' . 
I recall speaking to XXXX, asked them to send me evidence and i.d . of credit applicant and to cease and desist. I did not receive any legal identity documents/furnishings, but it was taken off my credit report. 
Now, years later they are sending me collection notices, without any proof of my i.d . 
I had and still have a fraud alert active, and one caveat is that they need to call my personal phone for any credit applications. Which, clearly, they did not, but still approval the fraudulent application. 
Between myself and the authorities, we quelled 38 such credit applications. 
Now this one has appeared.
Product: Credit card or prepaid card

Milestone Credit Card underwriter Gensis Bank Card is illegally holding my payments for 14 days when I sent them proof my payment has already cleared my account. They still will not release the funds and are charging me interest on the incorrect balance and not applying the available credit.
Product: Debt collection

I have received a letter in the mail stating that I owe {$1100.00} to XXXX. This letter came from a collection agency called Convergent Outsourcing Inc . I do not owe this debt never have. I am filing a complaint against this company because their are a fake and a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following fraudulent accounts and credit inquiries listed on my Trans Union credit report is fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX MasterCard credit card account, XXXX XXXX XXXX XXXX Visa credit card account, XXXX XXXX XXXX XXXX credit inquiry, XXXX XXXX XXXX XXXX credit inquiry and XXXX XXXX XXXX XXXX credit inquiry.
Product: Debt collection

I tired to fix the issue with the credit reporting agency but didnt get the results I was so confused about this issue I sent in a police report and they didnt honor it XXXX XXXX is so direspectful with how they handle XXXX Americans identity theft problems
Product: Vehicle loan or lease

in XXXX i i purchased a vehicle from lXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and was sent to lendmark to finance XXXX because i put down over XXXX dollars at the time of this finance i was never given a copy of my credit report nothing was ever gone over upon execution of this loan it was like i trusted that agency but didnt realize that lendmark would be deceptive in there loan practices anyway they charged me on that loan XXXX too much and remember i only wanted to borrow XXXX with the price at XXXX XXXX because of add ons that is illegal to do to a consumer for a auto loan. i addressed this issue and it took them a long time to say its no longer on my loan contract that is not believable they should of rewritten the contrac that XXXX cents is a big difference in price also the interest rate was 26.72 % so a year later whuch is in XXXX of XXXX i borrowed XXXX on a personal loan by that time i paid XXXX on the first loan after getting the paperwork it is now a refinace when it was oringinally a personal loan so lendmark takes the total of what i paid on the firdt loan and adds it to the new loan of XXXX making the amount higher interest rate went from XXXX & to 35.99 % and they should have used the balance of XXXX that the remainder of the first loan so now its a higer amount and again they are predatory lenders and i have tried to address these issue with this co so many times no change matter they always give you some kind of excuse and i have done so homework they have had over XXXX complaints about there loan practices in the last three years thru the XXXX  also i have requested a copy of the sales contract from lendmark they said they dont have a copy, this is my 3rd complaint about lendmark financial this issue needs to be addressed asap there dealings are a violation of the tila act and they are not going to stop doing what they do until another agency does a complete audit of buisness they are robbing folk s and im one of them i plan on taking them to small claims court because if they were honest then they would have completed the error that s how again i know that it was an intentional act that wasnt a mistake they need they license revoked also alot of those customers dont realize that there getting ripped off well it took me a minute to research the truth about what a lender can and can not do and they violated, no credit report was ever in my veiw the apr is sky high i have not been late on my payments also they wont give me a copy of my purchase agreement that they say they dont have and the calulation should have been XXXX $ not XXXX $ so that XXXX XXXX plus XXXX that im being jipped plus i have paid my car note with my debit card never a check and noticed that they have nsf fees of XXXX $ on my payment history i never write a check.i wont take up to much, more of your time i already have my packet for court im not gon na be there victim im a stand up and proceed to court i just hope that you will look into it, thank you l
Product: Credit reporting or other personal consumer reports

XXXX and Equifax has illegally reported wrong information on my credit report for years. It has impacted my ability to obtain credit. I was recently denied by XXXX XXXX, XXXX and XXXX XXXX. Ive disputed XXXX, XXXX, XXXX and XXXX XXXXXXXX XXXX, along with all the unauthorized inquiries. XXXX and Equifax told me to leave it on my credit and let it drop. Theyve cost me thousands upon thousands. They refuse to admit their mistakes and refuse to delete the information. I was told by a representative, that itll be okay. I wasnt notified of the lawsuit that BCFP and FTC have against XXXX and Equifax. I wasnt provided any monetary compensation. My credit report and scores were affected by the XXXX and Equifax breach.
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or list of inquiries 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 or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XX/XX/year> I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit card or prepaid card

Typed in XXXX in search bar and clicked on XXXX. Purchased tickets for XXXX and never received tickets. Contacted credit card company BBVA several times and they tell me no fraud was found!!!
Product: Debt collection

I received a " notice of motion for Judgement upon default of stipulation of settlement '' in the mail from Lyons, Doughty and Veldhuis, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX XXXX. I did not pay as agreed but did call and spoke to XXXX @ XXXX and asked if I could set up a new payment arrangement and that I had just gotten a part-time job. I asked that if I agreed to the new payment arrangement would this judgement still go into affect, she said " no '' it would not go into affect as long as I started to pay as agreed in the new arrangement. I also asked if I needed to respond to the civil action, she told me " no '' and that by talking to her, this was putting a halt on the action from proceeding. I trusted and believed her because she works for a law firm and did not think she would give me false information. When the new coupon book came in the mail to me on XXXX XXXX, 2017, I mailed my personal check to them and they received my first payment in XXXX 2017 as agreed but still put the judgement through. How is this legal? Please help.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX sight unseen from the XXXX dealership located at XXXX XXXX XXXX, XXXX, Ohio XXXX. I was initially allowed to drive a newer model vehicle because I was told by my salesman, XXXX, that the vehicle I purchased was being detailed, having just come off a two-year lease agreement. 

My vehicle was delivered two days later, on Thursday, XX/XX/XXXX. Upon inspecting it, I refused to take ownership due to several issues : the rear window molding was broken, appearing as if someone had attempted to break into the car. When I notified the sales manager, they claimed they were unaware of the issue but assured me it would be fixed. They offered me a loaner vehicle while they made the necessary repairs. 

I took the vehicle back to the dealership on XX/XX/XXXX, to address the broken molding and to replace the air filter because there was a strong XXXX smell when the air vents were on. Additionally, I noticed tiny rust spots on the aluminum trim around the windows. I was promised reimbursement for a detail that was never paid. 

About three weeks later, I was still in possession of the loaner vehicle and had to continuously inquire about the status of my car, only to be told that the parts had not yet arrived. I requested to speak with the service manager, XXXX XXXX, who assured me that I would receive a spare key as compensation for the inconvenience. 

Six months later, I still have not received the spare key. I am extremely disappointed in how this situation was handled. I can't help but feel that if I were a man, this matter would have been resolved differently.
Product: Credit reporting or other personal consumer reports

I have been affected by a long term issue with A data breech & identity related issues. Some of the issues involve other incidences that are too private to share. 
Im a victim of identity theft. please delete the following information according to FCRA XXXX 15 USC 1681. XXXX is required to delete all information in XXXX days. I am submitting this information of items requested here, thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer credit reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I discovered fraudulent entries on my credit report and took action immediately by contacting all credit card and loan companies involved, as well as the police, the Federal Trade Commission, and all the credit bureaus. Equifax told me that a hard inquiry on my credit report by XXXX XXXX will be removed from my account when XXXX XXXX informs Equifax that the entry is fraudulent. 
On XX/XX/2020, XXXX XXXX 's Customer Fraud Protection Agent XXXX sent me a letter stating, " I've sent updated information to the credit bureaus for them to remove this XXXX XXXX account from your credit file '' ( Letter attached ). 
I followed up with Equifax in XX/XX/2020 and was told it can take up to 60 days for the hard inquiries ' removal to reflect on my credit report, be patient. After 90 days passed, on XX/XX/2020, I followed up with Equifax again, and spoke with Customer Service Representative Clark and Equifax Fraud Department Representative XXXX. XXXX said Equifax would have taken action if XXXX XXXX sent information to Equifax that the entry is fraudulent. XXXX confirmed the hard inquiry still shows on my credit report, which XXXX said means XXXX XXXX never sent the information to Equifax. I again called XXXX XXXX, and XXXX XXXX again reiterated that they sent the information to all three credit bureaus as stated in XXXX. Equifax and XXXX XXXX agree that XXXX XXXX is a well-established company that knows how to properly send information. Yet Equifax insists that XXXX XXXX somehow failed to send the information, while XXXX XXXX insists they did sent it. Also, from checking my account on all three bureaus, XXXX evidently received the info and took action, but Equifax did not. XXXX XXXX said they send information to all three credit bureaus the same way at the same time, so XXXX  's action proves the info was indeed sent. I called Equifax back on the same day to communicate what XXXX XXXX again confirmed, but Equifax continued to deny that they ever received such information. 
Attached with this complaint is the letter from XXXX XXXX from XX/XX/2020, and a screenshot from the Equifax website showing the hard inquiry is still there.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly. My email linked to my PayPal is " XXXX ''. They don't have to close my account and hold my money for 180 days. That's the money I receive as payment for the digital goods and services I provided my clients. I've been a member of Paypal since 2011.
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 15 USC 1681 Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX  account Account number : 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.

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 then 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 or other personal consumer reports

Re : Immediate Deletion and Removal of Accounts Account Numbers : XXXX and XXXX To : Experian, This is my FINAL demand for the immediate deletion and removal of the accounts referenced above from my credit report. My original request for validation of debt was submitted on XX/XX/2024 ( CFPB Case # XXXX ) ( XXXX ), and I have received absolutely no proper validation of these accounts as required by federal law. 
Attached to this letter, I am including a copy of my third and final letter that was sent to XXXX, as well as documentation of the CFPB report and the certified mail tracking information. Specifically, I have attached a copy of the green certified mail tracking receipt proving that XXXX received my dispute and validation request. XXXX  receipt of this letter was confirmed by a signed acknowledgment, and yet, over a total of 120 days have passed with no response or validation. 
XXXX  Failure to provide validation within 30 days of receiving my request constitutes a direct violation of 15 U.S. Code 1692g ( Validation of Debts ). This law clearly mandates that upon receiving a dispute, you are required to : 1. Cease all collection activity until the debt is properly validated. 
2. Provide the consumer with clear, documented validation of the debt, including details about the original creditor and the amount owed. 
Since I received no such validation, XXXX  is now in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and is unlawfully continuing to report inaccurate and unverified information to the credit bureaus. This also violates your obligations under 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ), which requires you to furnish only accurate and verifiable information. 
Given that you have failed to comply with these legal obligations, I DEMAND that you immediately delete and remove these accounts from my credit report. Failure to do so will result in further legal actions, including but not limited to : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing litigation for violations of both the FDCPA and FCRA. 
This is the FINAL NOTICE. You have been fully aware of your obligations under federal law and have chosen to ignore them. I demand immediately that I receive confirmation that these accounts have been deleted from my credit report. 
I expect immediate compliance, and I have attached the certified mail tracking information as proof that XXXX received my original dispute and did not respond. Failure to act promptly will result in escalated legal action with you and XXXX without any further warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX   Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   deal Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX approved a fraudulent student loan # XXXX loan type XSPP for {$4500.00}. They said they may have used electronic signatures without my presence. This is not a practice of due diligence. I was notified of default whoch took until XX/XX/XXXX to resolve with help from XXXX paid by taxpayer dollars as was report filed by local police paid by taxpayer dollars and caused XXXX and XXXX XXXX to me as a victim of avoidable fraud. XXXX XXXX is guilty of a practice that harms many types of consumers as a private institution. Many think it is a governmental entity unfortunately. I was forced to freeze my credit which hampers activity as simple as utility billing.
Product: Mortgage

I was in forbearance with the Golden 1 Credit Union Mortgage Dept from during the Pandemic and was approved for a deferment for the months of XX/XX/XXXX to XX/XX/XXXX ( which outstanding mortgage payments were pushed to the end of the loan ) and start fresh with regular mortgage payments in XX/XX/XXXX. I have made payments from XX/XX/XXXX through XX/XX/XXXX. Somehow my XXXX and XX/XX/XXXX payments were applied to the deferment and caused me to be behind again. I have made numerous calls to the Golden 1 CU Loss Mitigation Dept and they finally corrected the error in XX/XX/XXXX. However during these months my mortgage payments was misallocated since it was showing I was delinquent. The following are where my payments were applied to : XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX I have made 15 calls to the Golden 1 CU with no resolutions. Each time I call I get transferred from customer service dept to collections s dept and then to loss mitigation dept. Not one dept is willing to help me resolve this. Is as simple as movi g the oayments back to where it belo gs to but the whole organization do not have one single person or dept that can do that. Each phone call is approximately 2 hrs long as i am transferred and passed on to another dept each time. I spoke to several supervisors who said they will help me resolve this and reach out to the loss mitigation dept but never receive a call back. When I call to speak to the same supervisor I always get another supervisor and have to explain the situation again. Still with no resolutions. I am very stress and frustrated, therefore I reached out to our congressman XXXX XXXX who then provided your website to file a complaint. I have health issues and have been struggling to make my mortgage payments but tried my best to do so. I would push back other bills just to make sure mortgage payments are made. I have been working g part time only on reduced schedule due to health problems. And in XX/XX/XXXX I had XXXX and did not work nor made my mortgage payments for both XXXX and XX/XX/XXXX. I am afraid that I will lose my home and this is the only home I have to keep a shelter for my children. Please, please help me resolve this. 

Sincerely,