23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for a XXXX $ student loan to pay for my first year of college because I had applied too late to qualify for fafsa. My grandmother co-signed for me and all was ok. I was in school for 3 years and it was n't working out for me, I had family issues and could n't find what I wanted to do with my career. So I dropped out and just was working. By the time I had to pay on my loan it was up to XXXX . As far as I knew if I was in school interest did not accrue. I also was working a XXXX job part time and could barely pay living expenses. I called to try working anything out and I got rude comments and asked me why my cosigner could n't pay. My grandmother was put in a XXXX in XXXX and passed away in XXXX. I keep getting calls and I have told them many many times that she has passed away and they make a note but always ask me if my cosigner can do anything. No she ca n't because she has passed away. That really hurts when I keep having to explain it everytime. Now I have XXXX kids and I want to try going back to school to become and XXXX but I just ca n't handle any more student loans. I took a XXXX course through a XXXX college that michigan works help pay for and have been in the XXXX field for 4 years and love it. Just wish I could get over this hump so that I could finish school and do what I was meant to do. It really is XXXX harmful when they bring up questions about my grandmother when I have told them countless times why she can not help me.
Product: Debt collection

I discovered a debt listed on my credit report. I sent a simple debt validation letter that was received by United Revenue Corp on XXXX. On XXXX, I received a response stating who the debt was allegedly from. In response to the letter, I replied with the this letter ( attached- URC1.pdf ) sent to United Revenue Corp XXXX XXXX XXXX received XXXX. They have not responded. I have never seen this Physician, been to this alleged medical facility, etc, Please delete this false information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair XXXX XXXX  act XXXX XXXX  my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions XXXX. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In mid XX/XX/2023 I submitted an initial request to Freedom Mortgage to have my VA home loan assumed by my spouse who is also eligible for a VA home loan. The company did not respond and I called on XX/XX/XXXX at which point I was advised that I had incorrectly filled out the form. The company would not have told me otherwise. 
On XX/XX/XXXX I resubmitted the form and when I called on the XXXX, was told it had been submitted correctly but it was not processed or added to their que until the XXXX of XXXX. After that I called them numerous times to follow up but each time was told that I had to wait. On Wednesday XX/XX/XXXX, I missed a call from the company and immediately called back. But they have a policy, we'll call you, don't call us. I was advised that I was put back on the 'call back ' list but would have to wait. On XX/XX/XXXX I finally received a call from them. They said they would schedule for a loan adviser to call me on XX/XX/XXXX at XXXX so I now waited for this call. To discuss my spouses finances and mine. But of course, XXXX has come and gone and I have not received a phone call from Freedom Mortgage or anyone that works for them. It has been three months and my family can not move forward until this process is complete. I have searched for other way to accomplish our goals and unfortunately we are dependent on Freedom Mortgage to do their job. This company has been unresponsive and unhelpful and in fact harmful to its veteran clientele. I have also called the VA home loan department which reached out to FMC regarding my case but with no results.
Product: Debt collection

Portfolio recovery was sent a cease-and-desist letter in the mail, this company masks or spoofs their number to make it look like a local XXXX Tx number. This debt collector is using deceptive and harassing tactics. They will call and not say a single word after the phone is answered, only to hang up in your face after 7-8 seconds. only if you call them back then you can speak to someone as if you called them. This normally happens mid-day while someone is either working or busy at least once a day, if you don't answer to be hung up on its twice a day. The number PRS calls from is XXXX the last contact from this number I can recall vividly was XX/XX/2023 XXXXXXXX XXXX THEY OFTEN MIX THE LAST FOUR DIGITS TO MASK THE CALL!!!! therefore, it seems as if it's the first time they've called. Who calls and hangs up only in hopes to get someone to call back? THIS IS BLATANT HARRASMENT AND I NEED IT TO STOP.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a dispute letter to the bureaus pertaining to the inaccuracies that are listed in collection on my credit report and after 30 plus day investigation everything came back verified. But when I went to check my credit report everything was still the same with opening and closing dates still not matching 4 to 5 different name variation spelling of my first and last name etc. I sent out second round of letters disputing inaccuracies again using more laws to back up the previous one.
Product: Credit reporting or other personal consumer reports

Fraud account under my name and Fraud address as well please remove all the is not on my ID closing out with a ID card with the right informations
Product: Vehicle loan or lease

Ok I had a lot of problems canceling my extended warranty and I didn't get 100 % of the total and they stole my payments, they didn't apply them to the loan and they reported me late payments and they also sent me to collection for no reason
Product: Checking or savings account

Respected Sir/Madam I do have an personal bank account in XXXX XXXX XXXX XXXX till date. Recently in XXXX XXXX I have opened another personal bank account in Capital One bank. Since Capital one account is a new account and had no money in that so to save money in my new capital one personal bank account I had made a XXXX transaction of amount {$3500.00} from my XXXX XXXX account to Capital one on XX/XX/XXXX. I have received an email from XXXX XXXX on XXXX XXXX saying that {$3500.00} has been deposited into my capital one bank account. But when I checked my capital one bank account I did not find an amount {$3500.00} in my account and still today that amount has not reflected/deposited into my capital one bank account. I have immediately called XXXXXXXX XXXX and Capital one bank after observing that issue on XX/XX/XXXX but I didn't get any proper response from both banks. I have made so many calls and I explained them about the issue but any of those two bank representative responded properly. So immediately I booked an appointment to meet my XXXX XXXX XXXX about this issue. I have met him and explained everything about my situation and issue I am facing with. He checked and informed me that from their end its showing that amount has been deposited to capital one bank account.I have shown XXXX XXXX XXXXXXXX my capital bank account to confirm him that the amount is not their in my account and given all details he asked for. After looking into my capital one account he also recognized that amount is not deposited into my account. Even I have raised dispute with XXXXXXXX XXXX about Transaction made but that dispute has been canceled by XXXXXXXX XXXX and when I asked reason for Dispute Cancellation they informed that since from their end transaction is showing as deposited into capital one bank account so that they can not make any dispute. Even When I called capital bank none of the representatives/ manager responded properly since from XX/XX/XXXX to till date I am calling them but they didn't help me with anything.I shared them all the details they asked for like trace number, Transactions details and everything whatever they asked for and requested to raise a case but they didn't raised a case and lied to me saying that they have raised a case. Again I raised case and they repeated the same. When I asked on XX/XX/XXXX about case status they told me there is no case created and again I gave them all details to raise a case. But they are not serious about this issue and still I didnt received my amount of {$3500.00} into my account. It's already 3 months I waited on this issue but none of this both banks helped me. Both banks are responsible for my amount and I didnt get a proper help from them. I am in urgent need of money and I sincerely need your help on this as soon as possible. I hope at least I will get help from your end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a letter from XXXX XXXX Notice of Data Breach informing my personal information was compromised. The following accounts currently listed and showing on my Factual Data Consumer Report is the result of data breach and identity theft : XXXX XXXX  XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, and XXXX XXXX : XXXX
Product: Checking or savings account

I bank with BBVA Compass and have been with them since they bought out my previous bank XXXX. In total, I have been with them for 14years. BBVA Compass charged me two overdraft fees on two seperate occasions on pending debit transations that were not cleared leaving my account balance in the positive. 

The current charge I am refering about happend on XX/XX/XXXX. My paycheck was electronically deposited into my account the next day before the pending charges cleared keeping my balance in the positive and I was charged a NSF charge on XX/XX/XXXX after my check was in my account. The last balance my account shows prior to my check being deposited was a positive balance of {$53.00} When I reached out to BBVA compass questioning the {$38.00} NSF charge via their banking app, I did not get a response from them for about a week and half. In the intrem, pending their response, I called the local branch where I was refunded the {$38.00} on XX/XX/XXXX. I finally received and email stating I had received a respone to my message. The message did come through on XX/XX/XXXX and it stated that the charge was vaild and I would not be refunded the {$38.00} NSF charge. I responded questioning how could they charge me a NSF charge when my account balance never went negative but that I had worked it out with my local branch and the money was refunded. On XX/XX/XXXX I get a response via the banking app stating " We understand that your account was reflecting a sufficient balance at the time the debit was drafted from the account. However, when the debit posted to your account, there was a pending balance. The amount that was pending was a total of {$67.00} on XX/XX/XXXX, for your account ending in XXXX. as a result the available balance was not suffiient enough to cover the following debit : 1. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Due to this, the charge is valid. However, we have extended to you a courtesy refund in the amount of {$38.00} as of XX/XX/XXXX. '' I responded with I had a pending incoming ACH deposit ( my paycheck ) for {$1300.00} that my company sent out on XX/XX/XXXX and was pending until it cleared on XX/XX/XXXX ( before the NSF charge was received ). Which is why I beleive I was refunded the NSF charge as a " courtesy. '' I then received a message on XX/XX/XXXX stating my complaint has be submitted to an Escalation Specialists that would contact me withing 24-48hrs. I did receive a call and was unable to answer due to work, and due to XXXX  holiday I havent been able to return their call until today XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX Inquiries XXXX XX/XX/XXXX XX/XX/year>23 MXX/XX/XXXXI XX/XX/scrub>/23 XXXX XX/XX/year>23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a letter demanding {$1000.00} for each remaining item Transunion leaves on my credit report. If these items are not removed I will be going ahead with my FCRA lawsuit. I have given Transunion many opportunities to delete this information but now I am left with no choice. An automated computer response will not suffice as an answer. I want a real response from a human being
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for student loan forgiveness for 4 student loans. All 4 student loans were forgiven and paid in full in XX/XX/2022. XXXX is still reporting that my loans are still with an old servicer ( EdFinancial ) and that I still have a balance. This is incorrect information. I have letters from XXXX showing that my loans are paid in full. I also have a recent letter from XXXX stating that they have reported the updated information to XXXX, but XXXX refuses to update the status.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a dispute I have with Experian concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian to address the following discrepancies on my credit report. To date, Experian has not responded to my inquiry. The following details the incorrect information and the necessary corrections : The account for XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$88.00} ) has never had any late payments. Please remove the late payment notation from my credit report for this account. 


The account for XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$340.00} ) has never experienced any late payments. Please update the inaccurate information on my credit report for this account.
Product: Checking or savings account

Wells Fargo is closing my account due to me watching my account and making disputes on my account, Different dates but the last dispute I made was on XX/XX/2024.
Product: Credit reporting or other personal consumer reports

I downloaded my Experian report to discover XXXX incorrect names and XXXX incorrect addresses on my consumer report, for a total of XXXX incorrect items on my Experian report. I was alerted to the presence of these negative items on my report by XXXX XXXX XXXX XXXX, who denied me the use of my credit as a result of items reported by Experian. 

As we know according to 15 USC 1681 " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Likewise at 15 USC 6801 it is stated, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Further at 15 USC 6802 we see that consumers are to be notified of certain information being on their reports and are afforded the opportunity to opt out ( an opportunity which I never received ) " Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. '' Lastly according to 5 USC 552a ( b ) " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains ... ''
Product: Credit reporting 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 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A 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

On XX/XX/XXXX a routine check of my credit score showed a drop of over 100 points ( above 800 to below 700 ). I checked my TransUnion credit report and there was a fraudulent account listed. 

The account was a XXXX XXXX account opened without my authorization on XX/XX/XXXX. 

I submitted a dispute to TransUnion on XX/XX/XXXX. I received the results on XX/XX/XXXX. Their findings were that this was a verified account. That is incorrect. I contacted XXXX. I have in my possession an email from XXXX stating that they " investigated your claim and determined that you're not responsible for any of the charges '' to my account. 

How can I get TransUnion to rightfully remove this fraudulent account from my credit report??? 

Thank you.
Product: Debt collection

On XX/XX/2024, I contacted the firm at XXXX and was connected to an individual named XXXX XXXX. During this conversation, XXXX XXXX explicitly represented himself as a " legal aid. '' This representation is misleading and incorrect, as there is no evidence to suggest that XXXX XXXX is an attorney or legally qualified individual. I believe XXXX XXXX is associated with XXXX  in XXXX, XXXX, an outsourced customer support client working in conjunction with Linebarger Goggan Blair & Sampson , LLP. It is critical to note that outsourced customer support agents, or any agents of a debt collector, should not misrepresent themselves in any capacity relating to legal professions. 

Furthermore, during a subsequent call to the firm on XX/XX/2024, I spoke with XXXX XXXX, another representative of the firm. During our discussion, XXXX XXXX incorrectly informed me that my debt could not be included in a XXXX  filing. This statement is factually inaccurate and appears to be a deliberate tactic to pressure me into a debt settlement under duress. 

These incidents are examples of a pattern of misrepresentations and unethical tactics employed by the firm 's representatives. Such practices are not only misleading but also exert undue pressure on debtors, potentially infringing upon their legal rights and options. 

I bring these issues to your attention to seek an appropriate investigation and resolution. These practices are alarming and potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ), requiring immediate attention and corrective action.
Product: Mortgage

I signed up for Wells Fargo 's forbearance due to COVID 19 starting XX/XX/XXXX. For a period of time I was unemployed and trying to make payments, but unable to find a new job and signed up for the program. When I was able to find a job and catch up on bills, I wanted to make payments toward the past due amount to catch up before I was ready to resume normal payments. I have been doing so since XXXX of XXXX. Wells Fargo failed to fully communicate the fact that payments would not be accepted towards the unpaid amount until they totaled a full monthly amount. Example : If my monthly payment was {$1000.00} and I paid in {$800.00}, the amount paid would not be applied until I came up with the extra {$200.00}. 

Further more after the forbearance ends the {$800.00} still would not be applied, making it that much harder to catch up. Should Wells Fargo done a better job at communicating this, I would have been able to plan for this better. I feel this hinders my ability to recover financially from COVID, while Wells can leverage a greater amount of debt for their own interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my credit and seen a hard inquiry from a company I do n't know what it is and I never got nothing from them.
Product: Mortgage

United Wholesale Mortgage has charged us PMI on our VA loan over the past year. The amount totals over $ XXXX. They have not corrected the probably despite multiple attempts from us.