23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a XXXX mortgage, serviced by Nationstar. For the past year I have had the property listed with a realtor, to sell as a Short Sale which was approved by XXXX. My realtor has a prospective buyer but we are running into extreme difficulty. A valuation was placed on the property, by Nationstar I believe, that is high for what the property has to offer, and the condition that it is in. I have submitted pictures, repair quotes, and a CMA to document the high valuation, but Nationstar is telling us that they wo n't review it. XXXX has given Nationstar free reign to do what they want, so consequently they are not reviewing pertinent documents and informing XXXX. Nationstar is trying to force me into a foreclosure even though there is an offer on the table that is very reasonable, XXXX that brings 94 % of the CMA value to the investor. And if we factor in the repair quotes of nearly {$10000.00}, the current offer brings 98 % of the CMA value! We are finding it difficult to comprehend that the investor would turn down such an offer if they were fully aware of it, which they wo n't be if Nationstar does n't review the documentation we are submitting and shares it with them! 

My realtor has been going back and forth with Nationstar and XXXX trying to find someone to give a serious look at the documentation that I have pulled together to refute Nationstar 's valuation, but is getting nowhere. They feel that working through XXXX does n't get them to someone who will actually take a real look at the case. THERE IS A FORECLOSURE SALE SET FOR XXXX XXXX, 8 DAYS AWAY. Both my realtor and I continue to try make headway, but Nationstar refuses to bring this to the attention of someone who will take a serious look at the documentation that shows their valuation is high. And XXXX agents are n't getting either of us to someone who has the authority to get involved and take a serious look at the valuation. I do n't think they are aware that Nationstar is pushing this property to foreclosure when there is such a good offer on the table.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditors - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description of each creditor and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974. 

CBE GROUP : collection account - A charge off with a XXXX party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have the consumer reporting agencies delete this from my report immediately and indefinitely. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
HXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received my credit report on XX/XX/XXXX and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated to see an unauthorized inquiry on my credit report this morning. I have no idea why this happened. I double-checked by refreshing my browser, but it wasnt a glitchthe inquiry is still there. I need this issue resolved immediately, and I insist that the documents I submitted be thoroughly reviewed so I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent statements I have received from your agency regarding a debt allegedly owed to Rent Debt Automated Collections. I am disputing the validity of this debt and request that you cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Firstly, I would like to bring to your attention the case of XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX, in which it was determined that mere statements are not sufficient evidence of a debt. Therefore, I am requesting that you refrain from sending any further statements as they do not provide adequate validation of the alleged debt. 

Furthermore, I would like to clarify that a cease and desist letter not only prohibits further communication, but it also implies the removal of any mention of this debt from my consumer report. As defined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, communication includes the reporting of information to consumer reporting agencies. Therefore, I expect that upon receipt of this letter, any negative information related to this alleged debt will be promptly deleted from my consumer report. 

In the event that your agency fails to comply with my request and continues to harass and abuse me through improper communication, I want to make it clear that I am prepared to take legal action to protect my rights. Pursuant to the FDCPA, I may be entitled to actual damages, statutory damages, and attorney 's fees. Enclosed is an itemized list detailing the potential costs involved in pursuing litigation for harassment and abuse.

1. Actual Damages : - Cost of legal representation : $ ________ - Loss of productivity and time : $ ________ - Emotional distress and inconvenience : $ ________ 2. Statutory Damages : - Per violation of the FDCPA : {$1000.00} 3. Attorney 's Fees : - Cost of attorney 's services for litigation : $ ________ Please be advised that this letter is not an admission of any liability on my part regarding the alleged debt. However, I expect your agency to comply with all applicable laws and regulations, including the FDCPA and FCRA. 


Thank you for your attention to this matter.
Product: Debt collection

I received a letter from TRS Recovery Services , Inc., XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX  XXXX Telephone number XXXX, dated XXXX XXXX, 2020. 
This is a false collection. I have never written check # 130 to XXXX XXXX XXXX on XX/XX/2020 in the amount of XXXX. I will not pay this amount or the {$25.00} return check fee. This is not my account or my check. This company has sent letters before demanding money on bounced checks with were also fraud. 
I request that TRS remove my name and this collection notice from their system. THIS IS FRAUD. 

TRS Reference # XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding fraudulent accounts wrongfully placed on my credit report, which directly stem from my personal information being compromised in the widely publicized XXXX  data breach. These accounts were fraudulently opened in my name without my knowledge or consent, and the resulting damage to my credit and financial standing is wholly unacceptable. This is a serious identity theft matter, and I am formally asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. You are required by federal law to act swiftly and decisively to resolve this issue. 
The fraudulent accounts include : XXXX XXXX XXXX XXXXXXXX {$660.00} XXXX XXXX XXXX XXXX XXXX. {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX These accounts have resulted in unauthorized hard inquiries, adverse collection actions, and irreparable harm to my financial reputation. The burden of these fraudulent activities is not mine to bear, and the delay in addressing them is inexcusable. Under 15 U.S.C. 1681c-2, you are legally obligated to remove and block this fraudulent information from my credit report within four ( 4 ) business days of this notice. Additionally, 15 U.S.C. 1681s-2 mandates the immediate cessation of all collection activity related to these accounts. These laws are not optional, and I will not tolerate any further delay or negligence on your part. You should be fully aware that this situation arises from your failure to protect consumer data during the XXXX  breach. This is not just an issue of fraudit is a consequence of your gross negligence, and you bear full responsibility for resolving it. Failure to comply will have severe consequences This is a final demand for immediate and complete resolution. I expect written confirmation within the required timeframe that : The fraudulent accounts have been removed and blocked from my credit report. All collection activities related to these accounts have ceased. Do not underestimate the seriousness of this issue. You are being given a lawful opportunity to correct this matter ; should you fail to act, you will leave me no choice but to escalate this aggressively and relentlessly through every legal and regulatory channel available. This is your final warning. Act now to resolve this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Quicken loans called me on the phone wanting to give me a loan for a home my wife and I am looking to purchase. I explained to them that I was already working with a lender and they ran a credit check on me without my permission. I immediately called the up and demanded it be removed at once. They kept on playing phone tag with me putting me on hold and transferring me with several different individuals. I explained to them that I was going to file a complaint with the FTC and I got the impression that they didn't care. This is the second time quicken loans did this to me the first time was in XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I've recently recieved a copy of my credit report and seen several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit.
Product: Student loan

Current student loan servicer is Aidvantage. 

On XX/XX/XXXX, I submitted a request through studentaid.gov to enroll in the income driven repayment plan ( SAVE ). 

I received confirmation from the US Dept of Education via email that I should expect to hear from the student loan servicer within XXXX weeks. 

On XX/XX/XXXX, I received two correspondences from Aidvantage confirming the request had been received AND I had been placed on administrative forbearance. Forbearance had payments on hold for 60 days, resuming no later than XX/XX/XXXX. Unfortunately, interest would continue to accrue. 

I called Aidvantage on XX/XX/XXXX because my request was still outstanding, forbearance had been extended to XX/XX/XXXX with interest continuing to accrue. Monthly amount of interest accrued is significantly higher than SAVE monthly payment. 

This dynamic is devious and unethical. Accruing interest and enduring longer processing times financially penalizes borrowers. This is particularly true when borrowers like myself did things correctly and on time ( applying early ) and financial penalties are levied for circumstances outside of their control. 

Aidvantage is now coming up on 90 days to process the income driven repayment request and is suggesting that it could up to three more months ( through XX/XX/XXXX ) before payments are resolved. If Aidvantage can not process things in a timely manner, they should NOT unfairly and unethically penalize borrowers and/or financially benefit for shortcomings in their procedures! 

Aidvantage, while processing these applications, should be subject to similar conditions as XXXX where the Dept of Education instructs the company to place all impacted borrowers on administrative forbearance with 0 % interest until the issues are resolved.
Product: Debt collection

an installment loan was open in my name fraudulently, i tried to resolve it, i asked them for verification of this debt but never receive it, it was.chargedoff, and sold to a collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Deserve the payment processor for the now defunct/ bankrupt XXXX credit card not only reported me as 30  days past due but then certified the information as accurate to Experian in response to a dispute. I made the payment for XXXX on XX/XX/XXXX. Payments are due on the XXXX of the month so I made it 2 days prior to it being due. The next payment due was XX/XX/XXXX. On XX/XX/XXXX Deserve reported that it had been more than 30 days since the payment due date when in fact it had been 48 hours. Its widely reported that this credit card has been unusable since XX/XX/XXXX when XXXX went belly up and could not pay their creditors. Now Deserve is resorting to violating the FCRA to try and recoup their lost revenue caused by XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

A company Financial Credit Network bought a debt from XXXX XXXX stating I owe {$120.00} on services that I did not render. I will fax over my police Report with a this complaint by fax.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

American Express notified me on XX/XX/2021, that it had assigned my account to law firm XXXX XXXX XXXX for collection. I sent a letter to that law firm disputing the debt on or about XX/XX/2021, and demanded validation. I did not receive a response within five days as required by FDCPA ( but was not aware of that five-day time period until I started researching to file this complaint ). On XX/XX/2021, having not yet responded to my validation demand, the law firm filed a lawsuit against me ( electronically ) in my county of residence. On XX/XX/2021, the law firm penned a letter " in response to a debt validation request '' I had made 60 days earlier ; the postmark on the envelope is dated XX/XX/2021 -- nearly four weeks after it filed the lawsuit. I was not served with the lawsuit until XX/XX/2021. However, the mere filing of that lawsuit during a period in which I had requested validation and it failed to provide such, is improper and in violation of FDCPA. Withholding service of the lawsuit until after I had received the validation response does not cure the fact that it filed such litigation BEFORE providing validation. Filing litigation most certainly constitutes taking action to collect the debt during a forbidden period. That lawsuit should be dismissed! 

In addition, the validation did not include a copy of any contract. As such, the account has not been sufficiently validated and should be removed from my credit report immediately, including all past negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Information This communication is to inform Equifax to PLEASE STOP FRAUDULENTLY LABELING MY PERMISSIBLE REQUEST AS " DISPUTES '' I understand Equifax is NOT a bureau nor is it backed by any government agency. I am aware that Equifax is in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances, I am aware that pursuant to the FDCPA and 15 U.S. Code 1681b - Permissible purposes of consumer reports, As a third party, Equifax MUST comply with my written instruction. I hereby DEMAND that all negative accounts, Late payments, Hard and Soft inquiries, Delinquencies, Charge offs, and additional information such credit limit/high balance, that were not verified or authorized by me XXXX XXXX XXXX in written format be DELETED IMMEDIATELY. 

Equifax continues to update my report with no proof of proper verification or investigation. If this matter is not resolved immediately I will be contacting the NY Attorney General regarding this matter as well.
Product: Debt collection

On XX/XX/2021 attempted to collect debt of {$70.00} at XXXX XXXX. 

On XX/XX/2021 attempted to collect debt of {$70.00} at XXXX XXXX Sent communications back advising it was violation to contact after XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6500.00} ; XXXX XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$0.00}.
Product: Debt collection

Today I spoke with XXXX XXXX who was really rude. I made a payment plan with portfolio recovery for a XXXX XXXX account. I also made a payment arrangement for XXXX account after being coerced into doing so even though that account was long closed. My money was taken out of my bank account for both accounts. I called and spoke with XXXX XXXX regarding the accounts and was told the payment plan I set up was no longer in place because I made a dispute with XXXX. I asked why and was told by XXXX this account will stay on my credit and if I dont pay it it will damaged my credit. I know my XXXX account was closed and yet portfolio kept it on my credit report. Im scared of what they would do next to damage my already damaged credit. I need your help
Product: Money transfer, virtual currency, or money service

I am writing to express concerns on Zelle handling of disputes in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

Ive been a PNC Bank customer for over XXXX years. On Friday, XX/XX/2022 My mother and I walked into the PNC Bank branch located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. My mother is older, walks with a cane and has some health issues, so I approached the bank teller window to assist my mother. My mother proceeds to make a {$3500.00} withdrawal from her checking account and we stood at the window for over 30 minutes trying to figure out why my mother can not make a withdrawal from her available government issued social security funds. My mother produced her identification upon request ( Photo I.D and debit card ) but still was denied to have her funds released. It then came to my attention that my mother and I was being XXXX XXXX as I attempted to withdraw the {$3500.00} out of my personal account. I also produced proper identification and typed my social security number on the key pad, only for the teller to tell me I can release the money to you, do you have another credit card, I then give her a credit card that matches the name on all of my identification that this female bank teller, who doesnt look like me is holding in her hand, then she ask me for a work I.D . which I did not have, so I removed my XXXX XXXX so that she can see I am the same person on the drivers license in your hand, along with two additional credit card, a medical card with my name and employers name and and another master card. It was so embarrassing being XXXX XXXX  and not being able to have access to my own money that I work so hard for. I have XXXX accounts at PNC bank and I have substantial amounts in two of those accounts and after standing in the bank for and hour and still be denied access to my money because of my XXXX XXXX is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I ask the Credit Bureaus to do a verification check on everything that's on my credit report on the dates XXXX XX/XX/2022 and they did and they stated everything was accurate. I did a thoroughly check myself and I found improper accuracy on my credit report after they done the thoroughly research. 


XXXX XXXX XXXX  : Account # XXXX XXXX XXXX  : Account # XXXX In accordance to the Fair Credit Act Of XXXX  account XXXX has violated my rights. I am promised accuracy in my report based on federal Law Under 15 USC-1681 section 602 section 8 states that I have rights to privacy. 15 USC- 1681 Section 604 Section 2 also states that a consumer report agencies can not furnish account without my written instructions.