23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, California, CFPB Complaint No. : XXXX XXXX XXXX : Thank you for your response to the above referenced matter. I find that response to be rather dismissive, condescending and misleading. As Trustee of a Trust XXXX operates in a fiduciary capacity in regard to the beneficiaries of the Trust and is solely responsible for the actions and conduct of the Trust according to its provisions unless it is co Trustee with another entity or individual. To attempt to differentiate ownership between the Trust and the Trustee is patently misleading when you know that the Trustee controls all fot he actions of the trust regardless of the nature of the trust. 

I am requesting that you particularly and specifically clarify XXXX XXXX XXXX relationship to this transaction regarding the acquisition, maintenance and, subsequent disposition of title to this property. If I believe that you are intentionally attempting to mislead me I will commence proceedings with the Office of the Comptroller of the Currency and such other federal regulatory agencies as are appropriate. 

To indicate that XXXX XXXX was not involved with this matter in its individual capacity is to fail to state in just what capacity it was involved and is therefore intentionally deceitful. Do not trifle with me regarding this matter by providing half truths and half answers in an attempt to run me around in semantical circles. 

If XXXX was not the lender or servicer for this property, please state the name, address, loan number, amount and term of the loan, insurer of title and any other pertinent information regarding the lender and the same for each servicer of the lender 's loan, including the date of servicing. 

I am presently in contact with Chase regarding its involvement in this matter and it has already admitted to complicity and liability. I am seeking information regarding XXXX XXXX complicity in this matter on any level and would appreciate your full and unrestrained cooperation in that regard. 

I appreciate your time
Product: Student loan

My name is XXXX XXXX. I am a widowed mother whose XXXX husband and myself attended Education Management Corporation 's XXXX University for a short time in 2009. I myself only attended for just under XXXX months, but XXXX claims I was there a year taking classes I have no recollection of attending. A letter I received from XXXX 's Assistant Chancellor for Student Affairs, XXXX XXXX, states in it that they charged me for a class I never attended. It also states that I never attempted to use the tutor service, which is not true, I attempted to many times with no answer. XXXX University, the online division under EDMC specifically, has had a whistle-blower named XXXX XXXX allege job placement fraud, which I can certainly say I was a victim of. Every call I made for help, I was sent to dead-end voicemails that never got answered. When I tried to leave the school, no one was there to help me with the process. My fianc, to whom we have a XXXX month old baby boy, has been making XXXX predatory schools, and we have been harassed and abused by XXXX XXXX and EDMC 's lawyer XXXX XXXX. The Department of Education keeps these schools alive that have defrauded America 's future professionals of the lives ' they deserve. EDMC only cares about money, we students are treated like a hindrance to this goal of theirs. The ED looks the other way and ignores cries for help. I have already sent letters to my Michigan AG, and the Michigan XXXX. XXXX University should never have had a license per XXXX XXXX allegations. While this case is under trial, it makes me wonder how the ED has the right under the 4th amendment to seize my tax refund, and hurt my family tremendously. I am on strike for this fraudulent debt, and if the Government illegally seizes my tax dollars again, everything will be documented. I have proof I 've found that I will send to you, and I also need to follow up and send new information to all the State and Federal Departments I have already sent letters to. Please Help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT I have a student loan with Common Bond but Firstmark is the servicer. I applied for a forbearance in XX/XX/2020 and it was granted by the Note holder XXXX XXXX but Firstmark continues to report it late. I have all my e-mails and documents showing this but Firstmark and the credit bureaus have not corrected my credit report.
Product: Checking or savings account

My account is always funded by a transfer in - never before have they charged me like they have since the first of the year I can not get in touch with the branch manager or get an answer from anyone. 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received two money transfers from two different places Zocaloans and AmXXXX XXXX XXXX ( per my bank ) I told my bank I had not applied for any loans, so I contacted both companies and both told me they received an application that was approved, one for XXXX  ( zocaloans and another one for XXXX ( XXXX XXXX XXXX, I told my bank I had never applied for a loan, so I called Zocaloan first and told them someone must to use my information because I had never applied for a loan with the,, and asked them what documents they had to confirm the identity of the person who was applying for a loan, I was told depends on the application they sometimes do not request documents.. I told them that was wrong they can not approve a loan with out proof of identity, I told them that is not correct, they asked to provide my debit card or account number to deduct the funds with interests and I told them I was not going to because I did not know if they were a real company and I wasn't about to give my accounts to someone I did not know, I contacted the police and they told me not to give my financial information to no one because we did not knew were the money was coming from and were was it going to., the representative told me that if i did not pay the loan interests was going to accrued by the day, I told the representative I was not responsible since I never applied for a loan with them. the companies keep approving loans to people that are using other people 's account and personal information with out requesting identity documentation, the loan number was given to me by the representative per my request
Product: Payday loan, title loan, personal loan, or advance loan

I have been trying to dispute my affirm account for over XXXX years now. My affirm account was used illegally to purchase things I wasnt aware of until I tried to make an account of my own and see there is a charge off loan under my name. I was a victim of identity theft which was disputed and confirmed by XXXX but Ive been trying to endlessly contact affirm for a follow up and they refuse to be of assistance or help. They keep saying they will investigate and they have not done so. I am on my XXXX try.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had {$900.00} in my USD Wallet on Coinbase.com I  made a purchase of XXXX BTC ( Bitcoin ), and was somehow charged a purchase AND a sell transaction. I never sold ANY bitcoin on the date in question, only purchased using funds that were already available in my USD Wallet. After informing Coinbase via a support ticket, I was informed a specialist would be assigned to look into the matter but have received no correspondence.
Product: Credit card

I applied for XXXX XXXX credit card for dental work but after I paid early payments before card was used so there's no charge on the card so I want my money back but it's been over 2 months still no money back I've called and message alot of times with no response I told them to cancel my card and give my money back I don't understand why are they trying to keep my money it was the dentist office who messed up over billing at this office
Product: Mortgage

In my annual escrow account statement, my servicer Freedom Mortgage claims that the maximum lowest balance of XXXX of annual disbursements is a required minimum. They correctly cite federal law saying the lowest balance should not exceed this amount, but then they change language and call it a required low balance. I believe they are using the imprimatur of federal law to coerce customers into paying more into escrow accounts so they may have use of this excess escrow reserve interest free. At no point in the coming year does my projected escrow balance fall below the amount needed for disbursements. I have requested to cancel my escrow account. But, I do believe the language of this statement is intentionally misleading and as such the CFPB should take action. 

Sincerely, XXXX XXXX XXXX XXXX, CA
Product: Debt collection

I AM VICTIM OF IDENTITY THEIF, I DID NTO AUTHORIZE CONSENT TO, NOR BENEFIT FROM. THEREFORE THE REPORTING OF THIS ACCOUNT IS IN ACCURATE AND INCORRECT. I HAVE REACHED OUT TO THIS COMPANY SEVERAL TIMES TO NO AVAIL. 
THEY ARE IN VIOLATION OF 'THE FAIR DEBT COLLECTION PRACTICE ACT '. 
THEY ARE IN VIOLATION OF " Fact, affiant is aware that XXXX XXXX, has violated my rights under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA )
Product: Debt collection

This account was closed with a XXXXXXXX balance Balance with the original creditor and acceptance rental {$2000.00} original balance XX/XX/2017 now Vance and Huffman is trying to collect {$4400.00} I have been caused much anguish over this situation which I thought was solved years ago I am XXXX and this is affecting me getting housing and other things that could help me I would like for this info to be removed from my credit report and for these people to stop harassing me.I also filed a complaint with the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my personal information to make unauthorized inquiries. On my credit files fraudulent without my permission with Trans Union, and XXXX. The inquiries XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX All the inquiries took place on XX/XX/2022 2022
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX by Goldman Sachs left me a voice message asking me to call back the XXXX customer service ( CS ) number to verify a withdrawal transaction from my online savings account. I was in a work meeting and was unable to pick up the call. 

XXXX. I called XXXX XXXX at XXXX ( XXXX ) and was told there was a withdrawal attempt for {$1800.00} out of my online savings account to a XXXX XXXX account ending XXXX which had not been validated ( i.e., not linked to my savings account ). I immediately reported to the rep that I did not authorize the withdrawal and notified that my e-mail address had been recently hacked. Rep transferred to a Fraud Department rep who advised me to ( i ) close out my savings account ending in XXXX, ( ii ) open and transfer all my funds to a new savings account ending in XXXX, ( iii ) and switch my e-mail on file to a different e-mail address. I agreed to do as advised. The Fraud Dept rep assured me that {$1800.00} withdrawal will be declined and reversed back into my account within XXXX business days. My call ended around XXXXXXXX XXXX XXXX XXXX XXXX 

XXXX. On XXXX at XXXX ( XXXX ) I received an e-mail from XXXX XXXX call the CS asap. I called at XXXXXXXX XXXX XXXX XXXX XXXX  and was connected to a Fraud Dept rep named XXXX. He asked me to verify additional security information and told me that I would have to speak to Customer Service ( CS ) to get the {$1800.00} reversed back into my account. Upon transfer to XXXX, I was told by the XXXX XXXX XXXX XXXX XXXX that she couldn't help me because the account ending in XXXX ( where the funds were withdrawn from ) had already been closed and that the funds can not be reversed back into my new account ending in XXXX. CS rep did not know what to do and transferred me back to the Fraud Dept. Upon transfer back to Fraud Dept for the second time, I was asked to reverify my security information ( e.g., telephone number, address, XXXX, XXXX, security word, pin code via mobile phone, etc. ). I was put on numerous holds for over XXXX min. After the unreasonable holds, I was told by the Fraud Dept supervisor that I had called back too late on XXXX  and that {$1800.00} had already been transferred to XXXXXXXX XXXX. To get the {$1800.00} back into my account, she told me that I would have to complete and submit a debit-dispute form via mail and that XXXX will need to approve the forms upon review. I was told the entire dispute/review process would take a minimum of XXXX to XXXX business days. 

I find this fund reverse process unreasonably long and unfair. On XXXX, I called XXXX XXXX min after getting the initial voice message to report the withdrawal as a fraudulent transaction. I was initially informed that {$1800.00} withdrawal will be declined and reversed back into my account ending in XXXX within XXXX business days. Further, this withdrawal made to an account at XXXXXXXX XXXX was not linked to my XXXX savings account and should never have gone through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Outsource Receivables is reporting an account on my credit file on a debt I no longer owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and settled the debt with them. I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.
Product: Credit card

This company is fraud XXXX I am asking to be refunded for harm they cause becaue they are a scam. Charged XXXX Cash app name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. As the original creditor and executor I never granted any specific company the right to contact me and they did so continuously use abusive practices. Under the Fair Debt Collection Practices Act 15 USC Section 1692 I was a victim of invasion of my privac Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

A serious problem has arisen with the XXXX credit cards XXXX, XXXX, XXXX, and XXXX that XXXX XXXX XXXX XXXX of chase XXXX XXXX I discovered has lied to me telling that scam XXXX also XXXX XXXX XXXX XXXX fake XXXX XXXX and XXXX working with XXXX fake degrees from XXXX XXXX. As doctor under License no. XXXX and TIN # XXXX and XXXX and now aware from complaint XXXX and XXXX XXXX. XXXX at Michigan XXXX XXXX XXXX that my personal information are used there by XXXX XXXX in an email I received from the XXXX XXXX XXXX XXXX. She lied because I am now informed through XXXX XXXX no. XXXX that the XXXX credit cards used in my name are from capital XXXX and those assign claim numbers are XXXX and XXXX all still unpaid, below? 


Why did XXXX XXXX XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX credit I have proof of payment and they also frozen people accounts and said that they are still reporting with frozen cards but they have been reporting me late thus far, I have proof UDATE they are reporting late and destroying my credit HELP
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX, Account number : 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: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/year>, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquiries. I have tried to dispute them and credit bureaus won't remove them. I have inaccuracy reporting and tried telling them. I contacted the companies and they do not have any accounts in my name to remove inquiries. 

TransUnion : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX