23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received robo calls off and on for 6 months, sometimes multiple calls in a day. The calls stopped for about a month but have resumed. I do not have caller ID, so do not have a called from number to share. Robo call advises that they are calling from 'AmSher ' regarding a debt collection. Advised to call XXXX. I have no known debts to be collected. Out of curiosity and in an attempt to end the calls, I called the number a few months ago and got a machine ... I was provided with no information so was unable to enter a 'case number ' or agent name ... I just called again, just to check again ... Currently, their answering machine does not identify them as AmSher or any other company. Previously, the answering machine asked the callers to leave a detailed message ( I did not! ) including name and contact number. Now, the answering machine has a robo woman answer without identifying the company name, then it 'clicks ' over to a robo male like it switched lines and he says all agents are currently busy then askes you to leave a message. Very benign yet very alarming considering the company is supposed to be a collection agency and I have no known debt to be collected!
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report and there are several unauthorized inquiries on my credit report that i do not recognize nor have i authorized. Please see inquiries listed below : XXXXXXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX A XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  13143****Balance : {$92.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXX Balance : {$1000.00}
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was looking into possibly buying a home and inquired with " XXXX XXXXXXXX XXXX XXXX '' who then passed my information on to XXXX XXXX. I wanted to have a conversation about the home buying process and get some questions answered. A XXXX XXXX of XXXX XXXX  contacted me and asked some short questions then told me he would put me in touch with his associate XXXX XXXX who would further answer my questions but to fill out the online application before my conversation. The form has you fill out all this information then goes on to mention after submitting all personal docs and income that moving forward gives permission to run credit. I thought, " well how/why would they run my credit before speaking to me. I send an email to both XXXX and XXXX that I do not want my credit run because I don't even know anything about you company nor the process, and I still have questions. XXXX replied to my email, " certainly. '' On XX/XX/2022, I had a conversation with XXXX and quickly determined that he was only interested in pressing me to move. I verbally mentioned to him again that I do not want them to run my credit because I was merely making an inquiry, gathering information about the home buying process to determine what my next steps were. He again agreed, then dismissively went on to ask me what my apprehensions were about buying a home. I explained I am researching the process and further into the conversation realized that I did not want to work with him and politely wrapped up the conversation with, I am not ready and still have some work to do. XXXX replied, " ok when you are ready, just give us a call and we can get going. '' On XX/XX/2022, I received an alert from my credit monitoring app which informed me that there was a hard inquiry. When I logged in, I saw that there was an unauthorized credit check for a mortgage through credit plus, and xacatus. I am disturbed by this and tried to call XXXX and he did not take nor return my call. I sent an email and he casually apologized then posted my credit score in the email and stated that " I was all good '' and " how would I like to proceed? '' This was underhanded dishonest of XXXX! XXXX XXXX  and XXXX XXXX are now known to me as company and mortgage lender that should not be trusted. I will never do business with them and I will warn others.
Product: Vehicle loan or lease

Business Information Business Name : GM Financial XXXX : XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Complaint Details I financed an automobile for my daughter through GM Financial in my name in XXXX. My daughter defaulted on the loan and I took over the payments in late XXXX. She was behind on the payments so I asked to refinance the loan but was refused. I worked with a gentleman in collections named XXXX XXXX employee # XXXX for several months making token payments until I was able to bring the acount completly current in XX/XX/XXXX with two payments of {$950.00} each which included late fees etc.. The account was paid through XX/XX/XXXX. I made the regular XXXX payment of {$470.00} on XX/XX/XXXX, 9 days before the due date of XX/XX/XXXX. I noticed late fees were showing on the account bringing the amount due to {$500.00}. I paid {$470.00} about {$5.00} over the amount due which should have been posted to principal. I inquired once in the month of XXXX and twice in the month of XXXX on their customer complaint website with no response regarding the late charges and fees that have suddenly appeared. XX/XX/XXXX payment will be due on XX/XX/XXXX and I looked on the computer dashboard XX/XX/XXXX to set up my XXXX payment for this account and see they have posted the entire {$470.00} payment of XXXX to interest only!! I am so disgusted because its very, very, very hard to reach someone at GM Financial who can add 2+2 and come up with 4!! I generally exclusively work with Mr. XXXX because he sounds like he knows something about what he is doing but he can be hard to reach. I am working very hard relinquish my association with GM Financial and incidents like this make it not be soon enough!! 
Update : I received a call from Mr. XXXX in collections XX/XX/XXXX asking me to give a little time for the company to resolve this matter and to be fair I agreed. I told him that to simplify matters my payment for XXXX would be in the form of 2 checks instead of being online. I sent check # XXXX for {$370.00} that is clearly annotated for Principal only and another check # XXXX for {$100.00} that stated clearly Interest Only. When I verified online that my payment had been received I noted that only c. {$75.00} was applied to principal!! Completely disregarding my annotations!!
Product: Credit reporting or other personal consumer reports

This is the second time I have asked XXXX XXXX XXXX to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice 21 days before the due date before they can consider a payment later, I never received any of this. By XXXX XXXX  XXXX is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.
Product: Money transfers

On Saturday morning, XX/XX/2016 at around XXXX or XXXX I received a call form a caller ( Ph # XXXX ) asking me if I was at my home computer. Once I got to my computer the caller was in my system informing me that I was being hacked by various hackers and showing me a number of errors. He asked if I could see what he was talking about. Once I confirmed, he then offered me computer help ( XXXX XXXX XXXX ) with offers as follows : 3 Years- {$190.00}, 5 Years- {$260.00} and Lifetime- {$290.00}. I opted for the lifetime and paid with my Visa creditcard while online. The caller than screen printed for me a copy of the computer help page with the following POC. XXXX XXXX, XXXX XXXX XXXX FL PH # XXXX XXXX or XXXX and a security code-XXXX. And, invoice for the {$290.00} charge. XXXX XXXX XXXX XXXX XXXX XXXX & Support email : XXXXXXXXXXXX dated XX/XX/2016. He instructed me to reboot and start using the computer after 2 hours which would be after he had finished upgrading the system with the new security software. 
Later that even at around XXXX or XXXX a XXXX caller ( XXXX Ph # XXXX ) called and told me that the first caller had made a mistake and that he was going to refund me my money and provide the services to me for free from six months. But, for him to do that he would need to do a bank to bank transfer of the funds and for me to go to my computer. When I did the caller was in my system, and also in my XXXX XXXX accounts showing me where he had credited to my account the {$290.00} but had also credited an additional {$3000.00} by mistake and printed me a screen copy of the statement showing a total balance of {$6300.00}. He said for him to fix this problem and come out of my computer system I would need to return to him his {$3000.00} via MoneyGram ( Ref # XXXX, dated : XX/XX/2016 ) through XXXX to a XXXX XXXX in XXXX. If not he would XXXX out my account all together. I went to the XXXX in XXXX and completed a transaction in the amount of {$2400.00} plus an {$18.00} charge for a debit total of {$2400.00} from my checking account. 
When my wife and I returned home later I used her iPad to log into the account and upon doing so I realized the called had transferred the {$290.00} plus an addition {$500.00} for our savings account into our checking account to cover the MoneyGram as listed above. At no time did I have access to my home computer while the caller was in the system and on the phone. I was only able to view the screen shots that the caller provided. 

XXXX END OF STATEMENT XXXX XXXX
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for XXXX XXXX XXXX such as the one I attended, ( insert your school here ). As a matter of fact, ( school name ) was investigated by ( insert your story here ).

Because of the numerous claims of fraud and misconduct perpetrated by these XXXX XXXX XXXXXXXX XXXX such as ( your school ), I was able to file a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  against ( your school ), and my Fed. loans of ( $ dollar amount ) were discharged and my credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these XXXX XXXXXXXX XXXX and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX These private loans with a high risk of default were part of a package deal offered to XXXX XXXX XXXXXXXX XXXX XXXX ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for XXXX XXXX XXXX. After the AG settlement, didn't Navient also get out of the XXXX XXXX XXXX business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the XXXX  student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX XXXX against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with XXXX XXXXXXXX XXXX Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for XXXX XXXX who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online XXXX XXXX XXXX NOW!
Product: Vehicle loan or lease

On XX/XX/2020, I took out an auto loan with Ally Bank XXXX, XXXX XXXX. XXXX XXXX, XXXX, MN XXXX. Ally did a credit check which lowered my credit score. However, I have made 3 payments, all on time, yet as of today, Ally has not reported my on time payments to any of the three major credit bureaus. I truly believe, if I had failed not to make my payments on time, Ally would have promptly reported this negative information to the credit bureaus. For example, my XXXX payment is not due until XXXX, 2020, yet I made my payment on XX/XX/2020. In an effort to resolve this matter, I called Ally on XX/XX/XXXX, and emailed my complaint to them on XX/XX/2020. They have failed to respond. I called them back today and I received no answer as to why my account has not been reported. 
I am in the process of trying to qualify for a much needed mortgage for my family during these very trying times. Therefore, I am requesting CFPB help in forcing Ally Bank to do the right thing and immediately report my account to the three major credit bureaus. Their accurate reporting would help raise my credit score which could provide me a lower mortgage rate, which in turn will provide some much needed financial relief to my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Product: Mortgage

On XX/XX/XXXX, I attempted to make a payment that was returned 2 times. Not understanding why it was being sent back to the bank ( XXXX XXXX ), we made a direct payment on XXXX website. The confirmation stated payment was made with Union Mortgage. It seems the loan was sold. 

As our fiat currency currently is being made worthless and banks and lenders are collapsing and creating new businesses to sell to, I can not accept this sale as legally binding. 

I hereby claim that XXXX XXXX and Union Mortgage are violating the CARES act and are at fault with several mortgage servicing violations as well as unfair and unethical financial practices. Payments will not be made until the matter is properly investigated. 

Please provide the entire sales contract of this note. 

Please provide all of Union Mortgage and XXXX documentation that include but are not limited to, Certificate of existence, Articles of Organization, Articles of incorporation, Foreign Qualifications, Apostille, business licensing and permits, federal tax ID. 

Furthermore, please specify what currencies Union Mortgage will be accepting for payments should the sale be legal. Is union mortgage using Fiat currency? If they are not, then the Mortgage is voided. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Debt collection

I XXXX XXXX was running a local restaurant for several years by the name of XXXX XXXX, a division of XXXX XXXX XXXX , XXXX. The business was closed in 2019 due to a lack of business, and currently I have over {$150000.00} in corporate debts that I can not pay. Accordingly, even though I did my best to maintain payments to my US BANK corporate card ending in XXXX, I can no longer afford to pay on this account with a balance around {$17000.00}. Therefore, I request a reasonable settlement in six payments to SETTLE this account permanently without any further interest and penalty charges. 

XXXX XXXX President of  XXXX XXXX XXXX , XXXX.
Product: Credit card

XX/XX/XXXX  - fraudulent transaction of {$690.00} XX/XX/XXXX  - received monthly billing statement, alerted Home Depot of the fraudulent transaction XX/XX/XXXX  - Home Depot acknowledges claim A few months pass. Home Depot initially reverses the charges, but in XXXX deems us liable for the transaction. 

XXXX and XX/XX/- we discover that a new credit card had been mailed to us, activated and used without our permission ( we still had the old credit card in our possession ). We send evidence via a police report and USPS claim of mail theft, including of the new credit card from XX/XX/XXXX. Pending response from Home Depot. 

They are holding us liable for the initial fraudulent transaction of {$690.00} and three months of late fees at this point.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name XXXX XXXX XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I recently summited a complaint to fraudulent accounts under my name and I placed a fraud alert. There were several accounts by XXXX XXXX that were opened fraudulent. This letter is to emphasize on the account opened XX/XX/year> for {$1000.00} credit. This account is still showing on my consumer report. Please remove this fraudulent account. XXXX XXXX ( XXXX ) for {$1000.00} CREDIT
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

( XXXX XXXX  ) Ive made eight consecutive payments on this account. The balance shown is incorrect. Please update correct balance on credit report on experien and XXXX XXXX.