23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, is submitting this complaint myself and no third party is involved. 
Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive lawful proof from NELNET that approval to collect on the alleged debt was granted in accordance to the UNITED STATES code listed above.
Product: Debt collection

Jefferson Capital Systems sent me a payment offers letter dated XX/XX/, which I received on XX/XX/. This is the first notification I received from this company about an account that I supposedly owe. The company did NOT send me a validation letter/notice prior to this payment offers letter. I received no communication from this company prior to the payment offers letter. This is illegal. The company is required by law to send a validation letter first, before attempting to collect. This was absolutely not done. The company can not collect this debt, can not report this account to any credit reporting agencies and must cease all collection attempts.
Product: Mortgage

Fay Servecing says I need to keep a balance on the defer payment and I can not pay off completely. This prevented me from refinancing and taking advantage of the low interest rates a few years back and now its preventing me from getting access to the homes equity. 

Several lenders I talked to say that they need to let me pay it off in order to apply for the loans. 

In addition Fay Servicing takes 7 days from the day I set the payments to be made to processed adding extra days of interest. On top of this, their auto payment system missed processing my payments several times causing me to be late, which affected my credit report.
Product: Credit reporting

No Experian free credit report. No number to talk to anyone there. Please help with this. Experian pretends like I 've already checked it, but this is false.
Product: Credit card or prepaid card

I have been going through financial difficulties and recently lost my job as well which exacerbated my situation. 
I kindly contacted all of my credit cards asking for some financial relief. 
However Barclay refuses to work with me. The only options they are offering is to settle for less than full balance which, although nice, requires me to pay within 3 months which is well beyond me in my current financial situation. 
I chatted with them on their website multiple times and each time they claim they can not offer me anything and ask me to call, but when I refuse to call and get bullied. 
I need a payment plan and lower my interest rate on my current balance in order for it to be doable. 
I explained to them I am trying to regain my financial stability but if my payments and interest is too high I will be forced to declare bankruptcy and wont be able to pay anything, but they did not care. 
I am a mother with XXXX young children at home and it is extremely cruel of them to do this, unlike the other card issuers whom were very accommodating. 
I owe {$13000.00} to them and the balance keeps growing
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

On XXXX HSBC charge my account a monthly maintenance fee even though I maintained the required balance.

Ive had the account for years and this is the first time they charged an unauthorized monthly access fee.

The bank never notified me of any issues they may be experiencing that caused this to occur.
Product: Credit reporting or other personal consumer reports

Request the credit agencies to look into a collection validation of an account, and to show proof that the investigation was completed by providing documentation. Credit agency did not provide proof of the investigation.
Product: Credit card

A couple of years ago I have discovered unauthorized charged on my Discover card, and have contacted Discover with hopes of resolving the issue. Discover shut down my card and nothing was resolved. I refused to pay the amount I did NOT authorize thus Discover sent this account to collections. This year I decided to clear negative items from my credit and contacted Discover with hopes to pay in lieu of them removing this account from my report. A few months later I received a statement from Discover stating that they have charged off this account but if I wish to pay it I should contact XXXX XXXX who is now collecting on this account ( see attached ). I have contacted XXXX and agreed on a payment plan. So far I have made a total of {$4400.00} to XXXX XXXX for Discover account however Discover is STILL reporting the outstanding FULL balance to all XXXX bureaus on my credit report continusly damaging my credit and claims NOT to have received any payments. However, XXXX states they have forwarded all payments to Discover ... After all this money paid none of the parties seem to know where the funds went and I still ca n't refinance my house due to this unresolved matter and Discover card being in dispute. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone number : XXXX XX/XX/XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 2 Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires on my XXXX XXXX credit report I never filed for I went to the dealership to apply for a car and they ran my credit multiple times with different companies that I told them not to do only XXXX XXXX I told them and only once.They didnt have my permission to do other wise.I told them only run it through one bank. I reached out to companies and credit bureau and they wont help situation these things are stopping my credit from elevating and getting my first home thats stressing me out The hard inquires are 1.XXXX XXXX  XXXX  inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX. XXXX  inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXX  inquire date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX Also I have a collection account with XXXX  which I never had before on my Equifax.The company and Equifax keep taking it off my credit but now are adding it back and updating when I opened the account to recently this year and on my birthday XXXX XXXX I know which is completely violating my rights according to the FCRA laws with unverified and unauthorized use without contacting me.
Product: Mortgage

Our previous mortgage loan servicer, Specialized Loan Servicing LLC, has denied receiving our payments during the past ten months. This is despite our continued on time payments. ( We do have bank statements showing receipt of funds, dates and check numbers. ) The new loan servicer is XXXX XXXX XXXX SLS refuses to discuss the status of this loan with XXXX who needs to have the payment record to fund our new mortgage.
Product: Mortgage

my mom has a account with bank of america and her mortgage is trough them as well, she passed inXXXX of XXXX. I started the process right after that, sat down with a probate lawyer and filed all the papper work etc.my then lawyer told me that i did not need to pay mortgage payments while in probate, altough 7 months later i was told by my second probate lawyer that was not correct. I XXXX i got a letter from BofA stating my moms house would go in to foreclosure XXXX, at that time i contacted BofA they told me regardless of what my lawyer had said i needed to make payments hopefully at least no more than three months behind. i made one payment that month, I had already spent over XXXX dollars on the house during the year in repairs from the previous winter freeze. had i known i never would of let it get so far behind.I then got my probate court date for XX/XX/XXXX, I agin contacted BofA and let them know my court date was 2 days after the date of foreclosure, they said i still needed to make a payment, but that it would not start right away. i told them that i was applying for a new credit card to put the payments on it.i contacted BofA after my probate hearing told them that i was waiting on my paperwork from the court and would get it to them as soon as i got it. on XX/XX/XXXX attempted to make a payment by credit card but was told it had to be made in cash or check. XX/XX/XXXX i went and picked up my paperwork from XXXX courthouse and took it to the XXXX XXXX BofA to turn it in i was then told i had to mail it or fax it toBofA, i did it that night and have the conformation. The next day I took XXXX dollars cash to the XXXX XXXX BofA to pay my back payments, I was told they could not take my payment but to call the customer service number, after 35 min conversation with 3 different depts. they told me my moms house was Now in foreclosure and if i wanted they could send the New price out to me with court fees, lawyer fees and who knows what else.on XX/XX/XXXX i contacted BofA customer service and after getting them to get me to talk with XXXX in foreclosure she was able to tell me the same day i turned my paperwork from the courts to BofA is the the same day they took the foreclosure from inactive to active. i have the money now thanks to a insurance policy my mom had that i had no idea of that i got on XX/XX/XXXX to pay for my moms house, but I beyond OUTRAGED of the way I have been treated by Bank Of America.
Product: Debt collection

When I acquired this number while living in XXXX, I believe the person who used to have this number was still using it fraudulently. I believe his name is XXXX XXXX. People with middle eastern voices would call and leave voicemails and texts about jobs repeatedly. I ignored most of them, but I am getting annoyed with these debt collectors asking about this XXXX XXXX tied to this number. The last debt collector was Unifin. I called them and told them this is not XXXX and they immediately wrote it off as a wrong number. If I can I will send attachments of the texts and/or emails.
Product: Checking or savings account

U.S. Bank offers a bonus for opening a new checking account but once the customer fulfilled the obligations of the promotion, no bonus was paid out. The account was opened in XX/XX/XXXX and over {$6000.00} was successfully direct deposited before 60 days. Attempts to resolve this with U.S. Bank representatives resulted in a ticket generated on XX/XX/XXXX but no additional response from the team since. Additional communication to support revealed ticket was not found on XX/XX/XXXX U.S. Bank is offering a checking bonus of up to {$500.00} when you open a Smartly Checking account. You need to complete the following requirements : Enroll in online banking or the U.S. Bank Mobile App. 
Complete two or more direct deposits. 
The bonus you receive depends on the total of the direct deposits : - Earn {$300.00} when your direct deposits total {$3000.00} to {$5900.00}. 
- Earn {$500.00} when your direct deposits total {$6000.00} or more
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Product: Mortgage

I applied for and was approved for a home mortgage loan with Wells Fargo. 
The closing was XX/XX/2017. 
Throughout the process I was led to believe my interest rate was/would be 3.375 % fixed/30 year mortgage - as I had a credit rating of over 825, and be compensated with the best interest rate available ( I was led to believe ). 
My Closing Disclosure stated my interest rate was 3.375 % variable ... that it could increase up to 1 % in the " 13th Month '' or " Second Year '' ... but did not state any reason it should/would increase, especially increasing a full 1 % ....! 
At the time the interest rates were going down, and that was the assumption on my part.That this would never be an issue. This is also what I was led to believe! 
This was my second home loan with Wells Fargo, I had previously paid off my first home mortgage in full with no issues. 
I never considered the possibility I would be exploited with a full 1 % interest rate hike/ increase, from the first mortgage payment in XX/XX/2017! This 1 % hike was far more than I ever expected, and feel I was exploited with misleading legal talk and documents. 
I did call them on this, stating my Closing Disclosure stated my interest rate would be 3.375 % ... ..at least for 13 months ... and why did they increase to the maximum the 1st payment? My Mortgage statement has 4.375 % since the first payment! I did not understand their answers, they said they'd look into it. There was no reason for a full 1 % rate increase and no increase was allowed for 13 months, especially 1 %. I told them I felt I was exploited in the process, the representitive I had at Wells Fargo, XXXX XXXX, is no longer working there, so I couldn't follow up with him personally. 
I have not hear back yet.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and my I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

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  Reason : Unverified account
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's dispute resolution practices, especially in light of the recent CFPB lawsuit that has exposed significant issues with the platform. Despite my frequent use of Zelle and multiple reports of discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings suggest that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Account Type OneMain Unsecured Last Payment XX/XX/XXXX Account Verified XX/XX/XXXX Date Opened XX/XX/XXXX High Balance {$7000.00} Collection agency has not provided validation information under 12 CFR 1006.34 ( B ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( C ) ( 4 ) ( I ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12CFR 1006 34 ( D ) and 15 USC 1681-S2 ( 7 ) ( A ) Requesting the purchase agreement between collection agency and original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$5000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$700.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$660.00} ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

On XX/XX/2019, I sent the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX, SD, a certified letter to stop contacting me in any form whatsoever, per my rights under the FDCPA. Per U S Postal Service records, they received the letter on XX/XX/2019. On XX/XX/2019 they sent another collection letter to my mailing address, in violation of the FDCPA.
Product: Student loan

I applied for the SAVE repayment plan for my federal student loans through my loan servicing company Mohela. I received documentation that I qualified for my repayment plan to switch from my current IDR to the SAVE plan. Mohela provided the documents to show that my payments would change drop from {$310.00} to {$87.00} starting XX/XX/XXXX. I made my first payment for my IDR for the {$310.00} amount in XX/XX/XXXX and then had my loans placed in administrative forbearance for the month of XXXX per Mohela. I received correspondence on XX/XX/XXXX that my next payment is due on XXXX for the amount of {$310.00}. I am a XXXX and am already having a hard enough time getting through paying my bills, keeping a roof over my head and food on the table that is why I applied for the SAVE plan to drop my payments. It is frustrating not being able to get through to a anyone at Mohela to inquire about the delay in payment plan change when I have all of the paper documentation on file to show that I went through the proper steps to get approved for my loan payment to be changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX : {$10000.00}.
Product: Money transfer, virtual currency, or money service

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