23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I refinanced my loan with XXXXXXXX XXXX  in XX/XX/2018 for a total of just shy of {$22000.00}. This was to cover my XXXX loan which was around {$14000.00} and my XXXX XXXX loan which was around {$8000.00}. As confirmed by the XXXX XXXX XXXX rep, all documents submitted were for my XXXX XXXX loan ( now paid in full with no issue ) and XXXX. The new refinanced loan was again to be serviced by XXXX. In XX/XX/2018, when the payments for the refinance were processed, XXXX XXXX was correctly paid in full but my payment for XXXX was applied to a NelNet ( a XXXX XXXX Federal loan which was sold to NelNet for under {$6000.00} ) account. At that point, I reached out to all three-XXXX, XXXX, and NelNet. They did not account for the remaining portion of the remaining loan which had not been allocated anywhere I could see but were charging me for both loans. However, in this case, they were able to correct the error and my payments for the new XXXX and the existing NelNet loan had their payments auto-debiting as I had set up. 

On XX/XX/XXXX, I found that the payment to my original XXXX loan had been reversed and a partial payment was applied to XXXX and the remaining funds were applied to the NelNet loan. Again, the NelNet loan was never referenced in the documents I submitted for the refinance. Since the XXXX, I have called them XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The issue has still not been resolved, they have given me no timeline to fix it despite funds being with their parent company, and XXXXXXXX XXXX  XXXX is now calling and saying my account is past due. I have received only a single callback and the person called to say there was no update. At this point, they are reporting my account over 30 days past due and we are quicky approaching 60 days past due. They are also falsely assessing late fees ; as they have confirmed they can see the payment in full but do not have an explanation for why the payment was then reversed. They refuse to freeze the account or to stop reporting it past due -- hence the calls from XXXXXXXX XXXX XXXX and, despite knowing this is a duplicate issue, they have yet to fix the issue. 

Attached are all statements for both loans that I received since XX/XX/2018 and statements for NelNet. There is additional information showing my account information with XXXX and all received statements from NelNet.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6800.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$18.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$9800.00} XX/XX/XXXX
Product: Mortgage

Mosiac Solar in conjunction with Freedom Forever solar are engaged in ongoing fraudulent behavior. I've attempted for over a year to have freedom either build my project, or return my money. They haven't done any work, and have spent a year gaslighting, ghosting and otherwise operating in bad faith. Now Mosaic is demanding I begin making monthly payments for a solar system that was never installed. 

I've tried numerous times to work with XXXX XXXX and I've tried numerous times to have mosaic cancel the loan, all with no success. I am now being billed payments, and harassed daily to make payments for a {$70000.00} loan agreement on a contract that was never initiated, much less completed. 

Call me crazy, but you can't go door to door selling {$70000.00} pieces of paper and expect to get a monthly payment, yet that's precisely what they are doing. 

I've memorialized all correspondence for a period of over a year. Meaning, I have a file, but I am not including any supporting documentation at this point primarily because I wouldn't know where to begin. I will provide the entire file upon request.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRIES ON CREDIT REPORT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A fraudulent application was opened in my name and my checking was used to pay for it the company American Express has resolved the account as fraud and promised a refund check for {$10000.00} that Ive gotten the check number XXXX but have not yet received I am seeking the payment of the {$10000.00} that they have agreed to pay me for the fraudulent account that withdraw funds from my checking without my authorization no not yet received
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX
Product: Mortgage

In order to dismiss an adult abuse case against my husband after filing for divorce my husband agreed to purchase a home for me as long as I would use his lender at Stifel Bank, XXXX XXXX. I found a home at the end of XX/XX/2018 and called Mr. XXXX who my husband and I have done MULTIPLE real estate transactions with in the past and asked if there was anything he needed from me to speed things up because I had to be out of my home by XX/XX/XXXX. He for the FIRST time made the comment that my husband 's credit score was great because he makes so much money, but he would have to run my score. I thought this was strange since I had just filed for divorce XX/XX/XXXX. Knowing that XXXX XXXX and my husband had been hunting buddies for years I was concerned he may not be ethical so I had a back up lender run my credit report and my husbands. My credit score was above average but my husbands was FROZEN. When I asked XXXX when the last time was that he ran my husband 's credit score he LIED and told me he couldn't remember. I repeated the question and he said it had been a couple of years at least. Then I asked what happens if your credit score is ran to often and he got defensive and said, " I don't know, why are you asking? ". I told him it was my understanding that it can freeze your credit and that XXXX 's credit was frozen. And I had in my hand a paper that said Stifel Bank on XXXX where XXXX works ran his credit on XX/XX/2018. How could he not remember just a few weeks ago running his credit? He then yelled at me and told me it was none of my XXXX business and to go get a loan somewhere else. Not only is this unethical, discriminatory, rude, poor service, etc. It's unbelievable that a top professional who represents Stifel Bank would behave in such a manner. What an embarrassment on behalf of the establishment. 
It's clear that he was hoping to tell me that my credit was bad and I would not be eligible for a loan, thus my estranged husband would not have to buy me a home. Luckily, I had gone to a backup lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility This account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD REAL BAD FRAUD AND IDENTITY THEFT YEARS AGO AND HAVE HAD SEVERAL ACCOUNTS THAT APPEARED ON MY REPORT THAT WERE ULTIMATELY REMOVED FROM SAID FRAUD IT IS AN EXETER ACCOUNT ON MY FILE THAT SHOULD HAVE BEEN REMOVED AND THE BURERAUS DID REMOVE AND EXPERIAN REMOVED AND PLACED BACK ON.. THE ACCOUNT IS DUE TO IDENTITY THEFT I SUBMITTED POLICE REPORT FROM AROUND TIME WHEN IDENTITY THEFT OCCURED AND SUBNMITTED WITH MY DISPUTE.THE ACCOUNT WHICH IS XXXX XXXX IS REFLECTING CURRENTLY ON MY XXXX AND EXPERIAN REPORTS.
Product: Debt collection

I disputed medical bills for the last 8 months with collection bureau and  collection agency asking to validate the debt. Finally after 8 months a letter was sent to me in direct violation of my rights according to hippa law. A law designed to provide privacy standards to protect patients medical records and other health information provided to health plans , dr or other providers. Hippa prevents any medical documentation to be shared. when the debt was sold the collection agency or firm that is all they got the debt, no details, just the dollar amount and the date that it was acquired.My signature is signed on terms of agreement XX/XX/XXXX these debts date back to XXXX and still it does not say that they will give out my personal information to credit collection agencies and bureaus.
Product: Debt collection

A company called " The Bureaus Inc '' is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$4600.00} but I have never done business with them and I have never received any responses to my requests for information. The account number on my credit is : " XXXX '' with an open date of XXXX 2013. I am getting all of this account information from my credit report. According to my report, it seems that this debt was related to an old XXXX XXXX account but this is what does not make any sense. I do have accounts with XXXX XXXX but all of them are in good standing. I have two active XXXX XXXX cards that I 'm currently using and paying back. If what this company is reporting is true and I really had a bad account with XXXX XXXX I would not have two open credit cards with them that I am still using. This collection agency is trying to scam me and they are refusing to verify why they are charging me this money. This is why I am filing this complaint. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. There is a 100 % negative review rating on the XXXX XXXX XXXX XXXX website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Product: Debt collection

In XXXX, I purchased items from XXXX totaling {$530.00}. I used affirm to purchase these items. 

Unfortunately, I never received these items from XXXX. XXXX  was unable to deliver these items due to an address error. I provided this proof to XXXX and Affirm. 

On XX/XX/XXXX, I filed a formal complaint with XXXX  who confirmed that the items were never delivered to my address, instead, the items were returned to XXXX in XX/XX/XXXX. 

XXXX failed to refund affirm {$530.00}, but offered me XXXX credits. I asked XXXX to refund Affirm, original payment method.
Product: Checking or savings account

Hi, My name is XXXX XXXX and have been a customer at XXXX XXXX for the past couple of years. Last XXXX, few of my pay checks were stolen from my car. I had, however, deposited all these through remote deposit option via my cell phone. The concerned pay check in discussion is check Number XXXX, CITI BANK for the period XXXX to XXXX which was made by my former employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I made the check deposit using remote option on XXXX via my cell phone. 

In the month of XX/XX/2019, I found that {$1800.00} had been cut from my XXXX XXXX account. After inquiring with XXXX XXXX officials, I learnt that the above mentioned pay check XXXX was submitted at a Citi Bank branch on XXXX. I tried to speak to Citi Bank officials but they said they could not do anything since I was not their customer. I testify here, as I repeatedly told both XXXX and Citi bank, that I never used or made use of any other party to submit the pay check at Citi Bank. 

I called and met in person with XXXX XXXX officials, but my pleas fell to deaf ears. The bank manager nor the customer care helpline were of any use. I consider myself to have been cheated by theft. One,  Citi bank issued the money to the impostor without verifying an ID, because all my ID cards are safe with me. Citi bank took money from XXXX XXXX .Second, XXXX XXXX cut money from my account without informing me or even bothering to ask me the case at hand. I feel unsafe about my money and consider this a deep threat to the very foundations of our great nation. 

I appeal to the bank CITI BANK ; XXXX XXXX officials to resolve this matter at the earliest. Failing this, I will have to go to higher authorities. It is no longer about the amount of the money anymore, but about self integrity and living peacefully thinking that our money is safe in the countrys banks. 

Thanks, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX  and XXXX : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the XXXX XXXX Rights and Privacy Act ( XXXX ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

# # # I am formally requesting the following actions : XXXX. XXXX XXXX XXXX full audit into whether my records were accessed, altered, or deleted without my consent. 

XXXX. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under XXXX and that no further unauthorized access or modifications will occur. 

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the XXXX Department XXXX XXXX Family Policy Compliance Office ( FPCO ) and explore legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to apply for another Apartment because where I live is not safe. Someone is using my identity at other addresses and social number. Addresses I never lived or stayed at phone numbers I never used. Jobs I never worked at
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get pre approved for a home loan. All my credit is frozen b/c I have be part of multiple breaches ( Equifax, XXXX XXXX, XXXX, that I know of ). 
Yesterday I went to all 3 agencies and lifted the freeze with no apparent errors. I let my loan agent know, and this morning he informed me they are still locked. I executed the same effective window lift for each agency XXXX XXXX XXXX XXXX ). Today is the XXXX. 

If there is a transition period ( e.g. effective in 24 hrs ) they should inform me of that. They did not. 
If the XXXX was not available as an open date, it should not have been offered by their calendar. 
Finally, they all use robots for this service so there is no way to correct the situation or get information. 

This is totally unacceptable for a problem ( amassed financial information ) they caused.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX. Approximately XXXX XXXX ago I had an account I believe with XXXX XXXX. My XXXX had access to the account and created some sort of overdraft. That action caused me to be further dependent on him. I finally got away from him and others prior to him in XXXXXXXX XXXX I've not been able to cash checks or open a bank account. At some point there will be judgements in our cases against those who are further profiting from XXXX using internet sites to XXXX XXXX  XXXXXXXX XXXX XXXX In addition, my parent passed away and I can't cash the cashier 's checks at even XXXX or any credit union or bank. All require an account and even XXXX has my social flagged due to the XXXX XXXX incident that was due to the person who was XXXX me last. 

I am XXXX XXXX  XXXX in the case against XXXX ( etc ), XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX. The description of videos is proof. One being my XXXX is still being sold and profited from on countless websites including XXXX. 

I can't pay whatever amount my XXXX caused to mess up my credit if I can't even cash checks from my parent passed. It's odd that the internet site/companies all have banking, as they continue to harm us survivors but I can do nothing to be less vulnerable years after surviving what I went through. 

There isn't any way to " prove '' I was XXXXXXXX but I do have records of payments to XXXX. I can as you also can easily XXXX XXXX ( my middle name ) XXXX and see my XXXX all over the internet. I can also provide the case number with the court in XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2012 Bank of America was forced to forgive loans because of a settlement with the US department of justice. Part of that settlement was that all forgiven accounts were to be reported as paid with NO negative credit reporting resulting from the account / debt forgiveness. Bank of America has been reporting this account on my credit report as a negative charge off due to non payment. I have requested that all 3 major credit reporting agencies remove this negative account, but Im being told that it is correct. In addiction this account is OVER XXXX years old since it was closed, and should NOT be reported anyway. Bank of America, XXXX, XXXX, and XXXX are ALL in violation of the FCRA.
Product: Debt collection

I'm disputing the collection ( ACC : XXXX  ) Synergetic Commucation , Inc The collection agency has re-aged this account according to the original creditor 's date of first delinquency back in 2011. They're violating the FCRA.