23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope you are well. Despite our numerous exchanges and my ongoing efforts, the fraudulent items remain on my credit report. I respectfully request that you escalate this issue and explore all possible measures to thoroughly investigate and eliminate these fraudulent items from my credit file. XXXX communication regarding the progress and actions taken to resolve these issues would be greatly appreciated. I understand that dealing with fraud can be complicated, but it is vital that we work together to expedite the resolution process. Your collaboration and support in this matter are essential for achieving a satisfactory outcome. Therefore, I am asking for your assistance to remove these fraudulent entries from my credit file : 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 XXXXXX/XX/year>
Product: Student loan

I was a victim of predatory lending at XXXX XXXX XXXX XXXX and am being harassed by Navient and XXXX for over {$260000.00} in student loans. XXXX was never able to finish my degree as they never told me that they were in financial trouble, were unable to retain the XXXX. When they were ready to file for bankruptcy, they sold their non-profit college to XXXX which was a for profit college. They did not request permission to sell the non-profit college to a for profit business, which requires approval of the Attorney General. They did this behind the AG 's back and it was too late to unwind the deal as it would have hurt all of the currently enrolled students. I was in the XXXX and could not get XXXX for weeks and sometimes months at a time while being billed for dorms and other expenses including classes that I took only for the credits, as I could not get in the XXXX.. Due to the sale of the school, many of their XXXX quit shortly after. They just kept telling me they needed more and more money and kept penalizing me for not completing the training on time despite the considerable delays that they were responsible for. When my father & I went to a meeting with XXXX, XXXX XXXX told my Dad he could not guarantee any improvement in securing XXXX, and he did not recommend that we give any further funds to XXXX XXXX XXXX XXXX because he and all of the XXXX were given " pink slips '' with out termination dates on them from XXXX. He had no idea what was going to happen next. Soon thereafter, the Attorney General apparently stopped XXXX from shutting down the XXXX I ended up having to go to Florida to complete my training at XXXX in XXXX. I have never received my transcript because XXXX wanted me to pay them additional funds to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 In accordance with the Fair Credit Reporting act 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
Product: Checking or savings account

My chase checking account is negative XXXX XXXX because chase doesn't want to put a stop payment to the XXXX XXXX car companies. That i no longer have the rental and I contacted chase bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

AT & T timeline of complaint XXXX - Ordered phones XX/XX/XXXX - Received Phones and activated them XXXX Received Bill dated XXXX and due XXXX for {$320.00} XXXX Returned phones within 4 days after getting them to USPS with the prepaid address label giving by XXXX XXXX XXXX. This is within their 15 days return policy. 
XXXX XXXX XXXX XXXX received the phones. USPS Tracking number XXXX. Signed by Shipping Agent on XXXX. 
XXXX - Called and spoke with XXXX. Told her we returned the phones. Said she would waive the {$60.00} activation fees, and we would only be bill for the 4 days of service. We said fine send us the bill. 
XXXX Instead of just 4 days of service, we received a bill dated XXXX for the full amount of the phones. {$2700.00}. 
XXXX Called and spoke with XXXX. Told her we returned the phones. Said she would credit us for the error. CASE # XXXX XXXX - Received a collection notice dated XXXX from XXXX XXXX XXXX XXXX XXXX for a balance of {$1400.00} XXXX - Called again. Spoke with XXXX. They only credited us for one of the phones that was returned. Said shed take care of it and remove it from collection. CASE # XXXX XXXX Got a call from XXXX XXXX XXXX XXXX XXXX. Spoke with XXXX. 
Said we had a balance of {$170.00}. Apparently for the 4 days of service. 
XXXX Called XXXX XXXX XXXX and spoke with XXXX. Told her we never received any bill for the final balance after all of XXXX XXXX XXXX mistakes. Told her we thought {$170.00} was excessive for only 4 days of service. She agreed to only charging {$32.00} and would take it off collection since it was their mistakes. We made the payment of {$32.00} directly with a credit card with the representative of XXXX XXXX XXXX as requested. XXXX XXXX XXXX XXXX confirmation XXXX XXXX - Received a notice from XXXX XXXX XXXX XXXX XXXX that the collection was paid in full. The Experian Report shows that the balance paid was for {$1400.00}. We never owed this amount. 
This should never have been a collection in the first place. I want this removed from my credit report as being a collection as it has lowered my credit score 100 points. 
XXXX filed a complaint with Experian Report Number : XXXX XXXX Dispute results ready from Experian The report still shows this as collection of {$1400.00}. I want it removed. And I want this wiped off my credit report.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Name : XXXX XXXX Name : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Former : XXXX XXXX XXXX XXXX US DEPT ED XXXX XX/XX/XXXX {$4000.00} US DEPT ED XXXX XX/XX/XXXX {$6300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$180.00} XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XXXX XXXX XXXX  {$310.00} XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$310.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In Florida, Credit Card Debt Court Judicial Order stays 20 years with added fees, taxes and interest annually. Even when the Circuit Small Claims Court Action criminally violates Social Security Retiree and Disabled War Veteran Federally Protected from collections benefits which the Judge may verbally dismiss. Attempts to remedy by contacting attorneys, and Florida State Officials including the Attorney General as Florida Law also forbids actions against these fixed incomes meets with terminal despondency. 

I logged the complaint with The United States Department Of Just a number of times seeking enforcement of Federally Protected Social Security Retirement and Veteran AdministrationXXXX XXXX XXXX XXXX XXXX XXXX XXXX I survive on since XX/XX/2010. Single, age XXXX with no savings account living month to month. But the Department Of Justice failed to respond I supplied the Court with documented proof of Social Security and XXXX War Veteran XXXX Benefits that she verbally dismissed in XXXX Court Appearance threating me as a Defendant as a typical default " No Show '' waiving any and all defense ruling for the Plaintiff systematically. in Florida 's XXXX XXXX XXXX XXXX XXXX XXXX. Then came Final Order ruling a debt collectable for 20 years with accumulating fees levied against exempt income willfully and wrongfully that nobody I contact, to date, assists me in remedy. I remind them I am a 100 % rated VA XXXX XXXX XXXX XXXX  and all of this complicates and compounds my XXXX XXXX  defeating my regular XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which is always ignored contacting a malpractice law firm attorney to bring action only ended up with " you have no case ''. My credit rating was maintained at XXXX when Discover Credit Card  refused me twice on a debt consolidation loan which caused the crashing of my credit rating and default. There are two ends to any credit agreement yet for more than five years and all litigation Discover and the Circuit Court only support one and roil over me. 

Discover Credit Card has stalked me for going on five years unlike other credit card banks they staff a field of collections attorneys nationally and pursue greater profit yields for investors by singling out weak credit accounts then pursue civil litigation against the card holder, menacing unrelentingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX
Product: Mortgage

Dear ...., Im writing to you to express my frustration dealing with with LoanCare about my mortgage forbearance. I contacted them before XX/XX/XXXX. At first they asked me to send my SSN, 1040, W2, and 4 pay stubs. I sent everything to them by mail. From this point, I was calling them at least once a week and got the same answer you have to wait and call back. On XX/XX/XXXX they said that they received my mail with the paperwork, they are reviewing it and I have to wait and call back. Thats what Ive been doing. Ive been calling back again and again and I always get the same answer wait and call back. On XX/XX/XXXX they surprised me by saying that my 1040 tax is not signed. I told them that I sent them whatever IRS sent me. I signed it and sent it back to them. I called and then they told me your pay stubs expired. So, I sent new paystubs. I was asking them if they can move the 90 days from the forbearance to the end of the mortgage term. This went on for three months. They did not give me any answer and when I wanted to start paying my mortgage again they said my case is still being processed. They said that I have the right for 6 months. I called again and again to check whats going on. On XX/XX/XXXX, I told them again that I want to start paying my monthly payments. They said to wait for development in my case. On XXXX XXXX they told me that my case was denied because I have good income and I can pay all months and I do not need forbearance. They had blocked my account for submitting payments. On XX/XX/XXXX XXXX I asked when they will unblock my account so I can resume paying. They told me your case was denied because of your low income and you will not be able to pay in the future. The house will be set as pre-foreclosure. I said that I can pay just open the access and they said to call back so I can be redirected to a different department. Now Im getting a lot of mail from them for the preforeclosure. I called back and each time I get a different excuse. I dont understand whats going on. Im the only provider for my family. Because of the pandemic schools were closed so my wife cant go to work. She stays home to take care of my XXXX years old daughter. I contracted XXXX and missed time from work. Eventually my wife and my daughter got infected as well. This has been such a stressful experience. I was asking for the original 90 days of forbearance offered. Because of the epidemic everything was so backed up so they pushed it to more than 6 months. I asked to pay. They refused to give me access to my account and each time I called them they gave me a different excuse. I feel like they are postponing everything for a reason. I speak with an accent but Im an XXXX citizen. Many citizens are struggling with their finances because of this pandemic. Im not the only one. The government created the Cares Act for a reason but it appears that this company doesnt want to follow it. My account is blocked and I have to start to paying my mortgage. I hope you can help me with this situation. 
Sincerely, I called him today 3 times each call I have deferent information they close my account
Product: Mortgage

In XXXX I tried to refinance my home equity line of credit but Bank of America made up a bait and switch loan and impossible performance payments or never can pay off in our lifetime and never exactly applied for principal except ripping off interest in addition to BOA did not entity funded or money to us to be produced a huge amount {$350000.00} for principal balance due during XXXX to XXXX ( mortgage Fraud ) and again fabricated modification fraud during XXXX to Present. 
Modification Fraud : Bank 's pawns produced with illegal contract thru recite of statement alike settlement agreement and release to not sue Bank or do not bring out Litigation during XXXX to XXXX ( a ) Burden of Payments : Payment was increased almost {$500.00} to {$2500.00} payments each month. A pretended-beneficiary practiced foreclosure Primary resident On XX/XX/XXXX ( b ) Unreasonable extended years-term to 40 years more to in XXXX That is a slavery 's debt and loan in which i demanded to pay almost 100 years old ( abusive business and professional matter and merit ). 
( c ) Still remain same high interest and illusion and delusion of payments in bank 's account for recorded and reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$830.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a letter was sent to XXXX regarding 4 collections on my credit report that I was not familiar with, asking XXXX to investigate the accounts and provide proof that these accounts are legit and belong to me. The accounts in question are XXXX XXXX XXXX, Acct # XXXX, for {$500.00} and Wakefield & Associates, Acct # XXXX, for {$410.00} and another for {$650.00} ( the fourth was removed ). XXXX sent me a letter stating that the accounts were " verified '' for the {$500.00} ( XXXX XXXX ) and {$410.00} ( Wakefield & Associates ) but removed the {$650.00} ( Wakefield ). How can you verify one account and not the other?? And on the " verified ' accounts, they failed to provide me any proof these accounts were mine. I sent a second letter regarding the same matter ( XXXX and Wakefield ) on XX/XX/XXXX and XXXX sent me a letter stating once again that the accounts were " verified '' but again failed to provide any documentation that these accounts were mine. The letters sent cleary ask for such information, but these request are ignored. Yesterday, XX/XX/XXXX, I noticed that Wakefield & Associates suddenly decided to report the accounts stated above ( the {$410.00} and {$650.00} no account number provided ) to my XXXX   credit report. These had never been reported to my XXXX Credit report. Mind you, these accounts also date back to XXXX of XXXX. I see this act as retaliation from Wakefield for disputing this incorrect info. I am concerned and disturbed on how they acted regarding this dispute. I have also contacted a law firm regarding the issues with Wakefield which I was advised to hold on taking any action until CFPB has conducted their investigation into the matter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I deposited my retirement check that I have had to wait 4 months to receive. Wells Fargo continues to place blame on everyone else instead of giving a honest and direct answer. Every time I have called I have been told something different. They say the system says it's an issue with the check issuer. I called the XXXX XXXX XXXXXXXX and the XXXX XXXX XXXXXXXX XXXX and spoke to both supervisors who confirmed that there is nothing wrong with the check issued. Then I call today and I am told it's an hold from the Federal Reserve, so I call them. They also confirm that the Federal Reserve has nothing to do with that. I also work for a company that issues proceeds to owners and I have had several owners who ONLY bank with Wells Fargo tell them the same exact thing. If people are depositing checks from different organization, it can't possibly an issue with every organizations checks. Some of these companies are Billion dollar companies. I worked hard for my money and I have been waiting a very long time to receive it and I don't appreciate not having access to ANY of my funds while Wells Fargo is telling me different things each time. It's not fair how much we invest into these institutions for them to turn around and withhold our funds and then blame on everyone else. Once my funds are released I will be looking for a bank.
Product: Credit reporting or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint in regards to Complaint ID : XXXX that was sent to TransUnion. I am appalled that TransUnion decided to attack and accuse this consumer of being a credit repair company, which this consumer is not. TransUnion handle this complaint unprofessional and distasteful. 

This consumer is respectful asking Transunion to re-investigate the disputed items XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Under FCRA 611 ( a ) regarding erroneous item on our credit report involving a transaction with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 )  to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this complaint. 

I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the items in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very respectfully, XXXX XXXX