23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Someone from Linebarger GogganBlair & Sampson, LLP attempted to contact me in XXXX regarding a debt for XXXX XXXX XXXX, Non Resident Tuition. I advised her at that time, I had filed bankruptcy and this JUDGEMENT was included in the bankruptcy. I also advised her, NOT TO CONTACT ME AGAIN. This debt, although 23-25 years old is still being attempted to be collected. 

XX/XX/XXXX I spoke with XXXX at Linebarger Goggan Blair & Sampson, LLP and informed him- THIS JUDGEMENT was included in a CHAPTER XXXX BANKRUPCY - I faxed over documentation to support the bankruptcy and provided THEM WITH the telephone number to call in lieu of confusion. DO NOT CONTACT ME AGAIN! they continue to send letters for collection.
Product: Student loan

I took out a private student loan with Peaks Loan to supplement my federal student loans to pay for classes at XXXX XXXX XXXX. XXXX charged exorbitant amounts for a sub-standard education and misled me with inflated job placement and salary information. The degree received from XXXX in 2013 is now rendered completely worthless because XXXX lost its accreditation and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am filing this complaint against the 3 major credit bureaus. 

I disputed the accuracy of a XXXX XXXXXXXX account XXXX. 

All three are reporting different variables The follwing information is reporting wrong : Date Opened : Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX High Credit : Transunion {$1000.00} XXXX {$0.00} XXXX  {$41.00} Credit Limit : Transunion {$1000.00} XXXX  {$1000.00} XXXX  {$0.00} Last Reported : Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Comments : Transunion : Charged off as bad debt Canceled by credit grantor XXXX : Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX  Charged off account Accounts closed by credit grantor Date Last Active : Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Date of Last Payment : Tranunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX The information above should be the same across the board. There should be no difference any of these factors. The FCRA clearly states items on a credit report needs to be reported as 100 percent accurate. If not not they should be deleted I have attached a copy of my report showing the in-accurate information
Product: Credit reporting or other personal consumer reports

This was my follow up complaint to you today regarding my issue of being victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, mine was under reference # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiry which were being posted to my reports. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Mortgage

I am not the person being affected by this complaint. Let me explain -- I am a mortgage loan originator ( NMLS XXXX ) and recently had two past clients contact me about refinancing their jumbo loans. By refinancing I was able to reduce their rate a full point saving them thousands of dollars. Of course there are fees to refinance and they were accepting what I quoted them. Both clients completed the loan application and I pulled their credit report and submitted both files to my processor. About 2 weeks after I started the process both clients received a letter in the mail from Chase bank offering to reduce their rate for free!!!!! I finally figured out that Chase is likely paying a credit monitoring company to alert them when their clients credit report is pulled by another mortgage company so they can contact them to keep the deal in house. I told my clients I do not blame them one bit for cancelling my refinance and told them congratulations. 

What bothers me is what about all of their other mortgage customers who are not offered a lower rate for free? Chase bank only offered this once they found out they could lose a customer due to refinancing. This is not fair to all of their other mortgage customers who will not get a letter like this. They are not treating their customers equally and fairly and should have to offer this to all customers, not just those they could lose to refinancing. Why should others at high rates continue to have a high rate while they offered this to my two clients for free. 

By the way, both of these loans were jumbo loans with average loan amount of {$900000.00}. If they do not offer this to lower loan amounts is this not discriminatory?
Product: Payday loan, title loan, or personal loan

On XXXX XXXX XXXX I was offered a payday loan with unclear terms and interest through my email. I do not know why I received the offer. I was short on rent due to changing jobs and my vehicle having its motor replaced due to recall. Sunshine loans offered {$600.00} I want through the prompts on the website trying to discern the rates and commitments. I ended up accepting it thinking I would be paying back around XXXX XXXX over 5 installments. On XX/XX/2022 the {$600.00} was deposited into my account. When I logged into the website, it said and now says I owe {$250.00} out of my next 5 pay checks totaling {$1200.00}. I sent a a letter of revocation of authorization to withdraw from my debit card or checking account on any and all withdraws on XX/XX/2022. I received response from Sunshine loans before XXXX the same day acknowledging the revocation and requesting me to discuss new payment method. Before I could respond the withdrew the first installment of {$250.00}.
Product: Vehicle loan or lease

XX/XX/XXXX I reached out and placed an order for a XXXX XXXX XXXX. I paid {$890.00} but, I was denied. I am reaching out to see when I will get my money back. I need my funds back to be able to pay for XXXX. They are telling my it takes 15 days but it took instant for them to take my money. I need my money!
Product: Debt collection

I filed a complaint with the collection agency of the validity of the debt and the debt its not mine. I called and I spoke with XXXX XXXX at Allied and he refused to provide me the details of the debt. I emailed him directly on XX/XX/2021 to his his email XXXX and complete disregard to my request. It has passed more than 30 days since my request. He would not give me another person to talk to or addressed my concerns in regards to such collection. He didn't read the disclosure that this is an attempt to collect a debt. I have concerns regarding such debt as is not much but its not mine. I asked he for the company from which the debt is coming from and he told me he could not. I mailed all the information to all credit agencies along with this.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of these unauthorized inquiries from my credit report, as they are adversely affecting my ability to access loans and secure credit. Furthermore, I kindly ask that you provide any documentation or confirmation regarding the resolution of this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XXXX XXXX XXXX Guild Mortgage posted an advertisement listing loan terms ( specifically down payment and loan to value ) without any additional terms, or any APR.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting inaccurate information to XXXX, XXXX and Transunion. All of my attempts to correct the reporting with XXXX and all 3 credit reporting agencies has failed. XXXX  has not responded at all and the 3 agencies just send me an general response saying the information has been verified without giving me the proper proof. 

Letter written to XXXX XXXX on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. They have yet to respond. 
XXXX XXXX sent to XXXX XXXX on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. 

Dispute letters sent to XXXX in regards to the above XXXX account reported on the following XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX. My name, dates, amount owed and last payment dates are wrong and constantly change on their report. XXXX continuously reports that the account is verified without any proof. 

Dispute with Transunion and XXXX sent in regards to the above XXXX  account on XX/XX/XXXX, XXXX and XX/XX/XXXX notifying them that My name, dates, amount owed and last payment dates are wrong and constantly change on their report. XXXX continuously reports that the account is verified without any proof.
Product: Mortgage

On XX/XX/XXXX I paid {$16000.00} to Ditech after I was told in front of witnesses that my balance was about {$13000.00}. I knew that I owed a fee from the past so I overpaid them thinking that I was going to get a refund as I had before when I paid my house the 1st time. Time had past and I contacted Ditech about refund and paperwork on my house stating that my house was paid in full but instead they told me that I still had a balance. I didn't understand and no information was given to me due to the fact I was in bankruptcy. I check on my account every day to check the balance and it showed that I paid {$16000.00} but they would not apply the funds to the principal amount instead they kept it in suspense and would not apply until a year later XXXX. Now they tell me that I owe over {$17000.00} what in the XXXX is going on. Nobody can explain to me what all the new fees are for and my house is in foreclosure. I feel that they did not apply all my payments to my account. I see a XXXX  balance and now neg and don't know where they came from. Now XXXX has my account and they are confused. Money was added to my account. Please Help me. When I requested my payment history they would never give it to me until they sold my account. I guess they didn't know I knew my rights. Everything on my account is mess up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Product: Credit card

I paid off my entire statement balance with Capital One prior to my due date of XX/XX/year>, and was still charged interest of {$4.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account XXXX  XXXX account, nelnet, and XXXX XXXXXXXX auto account, has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Money transfer, virtual currency, or money service

I was mistakenly sent XXXX dollars. Paypal then tried to debt me XXXX, when I asked about why this was, they blamed me for the entire thing. I didnt know the sender, and when I asked immediately about the money sent by mistake, I was told I didnt do it fast enough ( I asked the same day ). I was told I should have refunded the XXXX, even though I was only sent XXXX. This makes no sense to me, and they have yet to explain this. They will not allow me to close my account, nor limit its income leaving me open to be scammed again. 
I have contacted Paypal several times and they insist there is nothing they can do to close their own account nor limit its ability to receive money. This has been in dispute since XXXX. Why is it my fault someone sent me money by apparently typing in the wrong email address, and then its my responsibility to pay the fee? I have a very unusual name / email address. There is no way this was just a mistake. I never wanted a paypal account, XXXX refunded money to my CLOSED paypal account and forced me to reopen/ connect it to my checking account to get my money back that I never had in paypal to begin with.
Product: Debt collection

I '' m a victim of fraud and this collection company is trying to collect a debt thats was ope Fraudulently. I repeatedly ask the collection company for validation of the debt that is competent evidence bearing my signature, Proof of identification ( Driver 's License or other form of Government ID }, a letter of sale or assignment from the original creditor to their company and that I ever had some contractual obligation to pay them.Those collections Consist of 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 XXXXXXXX XXXX XXXX I opened a account trying to finish my education with XXXX XXXX but couldn't because I was being XXXX XXXX XXXX XXXX XXXX and had to move and file a police report lost everything including my XXXX XXXX  and losing my apartment 3 months later I couldn't pay to finish my education I had to put everything on hold and get me and my kids to a better place I called an told them this but no one wanted to listen I even send letters and proof of what was going on they still charged me and left me with a balance of {$350.00} and as up today the account still say opened and its suppose to say closed and removed I tried calling them and they told me to call a 3rd party who owns the account which doesn't make any sense
Product: Credit reporting

My name is XXXX XXXX. I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX
Product: Student loan

There is a loan through Navient that I keep getting harassed about. I have heard about a lawsuit against Navient, and I 'm uncomfortable getting the multiple calls and emails. There is now a negative score on my credit towards this. I am not sure how old this loan is for. I have already paid XXXX directly for my debt.
Product: Mortgage

In Spring XXXX I initiated the process of refinancing my home through Fulton Bank, NA. The purpose was to reduce my monthly payment, reduce the interest rate, and obtain cash out. I worked primarily with Fulton Bank. XXXX XXXX XXXX was the titling company. On XX/XX/XXXX I signed a disclosure form outlining the monthly payment and terms of my mortgage. My monthly payment was {$870.00}. 

On or around XX/XX/XXXX, I received a letter from XXXX XXXX at Fulton Bank indicating that they did not account for city taxes when determining my escrow amount. The left this item out entirely. XXXX XXXX did not successfully provide the tax certification information to Fulton. With the addition of the city tax to the escrow amount, the change meant that my monthly mortgage increased by {$130.00}. One of the reasons I signed the disclosure was that my intention was to pay MORE each month by about {$130.00}. With the change in disclosure due to someone's negligence and oversight, I now have a higher monthly payment that renders my rationale void. I wouldn't have signed this updated disclosure form. 

I've reached out to XXXX XXXX and XXXX XXXX with Fulton Bank regarding this grievance and they have not been able to answer my questions or assist whatsoever. I've attached the correspondence between these individuals, the initial loan disclosure form, and the subsequent disclosure form with the increased monthly payment.
Product: Debt collection

In XXXX of XXXX Select Portfolio Servicing ... the crooks formerly known as XXXX XXXX, allegedly became the " servicer '' of my purported loan. They are quite non-responsive to multiple qualified written requests ... 
Under RESPA-I have requested : 1 ) A certified copy of their servicing contract 2 ) A certified copy of their boarding practices and employee training manual 3 ) Documentation over the past twelve months evidencing compliance with said practices/policies 4 ) SPS to send the original wet ink note to their attorney in MN so that my team can inspect it and determine validity/veracity 5 ) SPS to provide documentation reflecting that the purported " owner '', XXXX XXXX XXXX XXXX XXXX XXXX is : a ) Statutorily existent-DE XXXX says it ai n't b ) Active c ) funded d ) tax compliant e ) Was active/extant on XXXX/XXXX/XXXX f ) Since the trust XXXX says it can not accept additions to the pool after XXXX/XXXX/XXXX ... .how is it that it supposedly accepted a non performing loan more than 7 years later g ) Proof that an XXXX XXXX temp employee had the authority and complied with the legally necessary review and oversight prior to signing as a " XXXX XXXX '' ... smells like forgery. Notary violation. Bonding violation. 
h ) SPS please provide copies of your current bonds and contact info. for the insurers. 
6 ) An explanation as to why, after multiple requests they have neither provided a complete transaction history ... or any form of explanation for its absence as required by RESPA 7 ) Why they behave contrary to the XXXX provisions, in non-compliance 8 ) What allows SPS to purport to be a servicer ... of an installment lease ( no mortgage, just bearer notes for bonding purposes, cancelled and converted at securitization ) ... in violation of the SEC ( AB 1122 ) and IRS bulletin 544? 
9 ) Why is SPS not yet honoring my XXXX rescission? They did not take an appropriate adverse action within 20 days-thus rescinded.
Product: Checking or savings account

There is already a pending complaint regarding this transaction. The bank has assessed me yet another fee on top of the last fee I complained about - which should've never been assessed in the first place. 

See the attached PDF. According to my balance history, when XXXX tried to debit {$64.00} on XX/XX/2018, my balance was XXXX. 

Instead of allowing the debit to occur, the bank rejected it and then assessed a {$38.00} NSF fee. 

I tried to resolve this with the bank directly and they claimed I'd already received two " courtesy '' refund of bank fees.. 

The problem is those fees were caused by a transaction I didn't approve, and subsequently disputed. Thus, those were not " courtesy '' refunds. They were necessary. And when that dispute is completed, I anticipate getting back 2 more {$35.00} overdraft fees from BBVA. 

But regarding this particular complaint, per the attached, you can see the bank assessed yet another {$38.00} NSF fee on top of the first one, which should've never happened in the first place.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX  - Account XXXX Please supply information on how you have verified this item. 

XXXX XXXX XXXX - Account NumberXXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Checking or savings account

I tried to login to my account on XX/XX/year> but I found that my bank app is blocked I called Citi bank customer service and they kept telling me different responses everytime I told them I received suspicious message in my email about a XXXX transaction I tried to attempt and i told them Im the one who tried to attempt this transaction but they did nothing to help me about it and they told me that as per request that my account is being closed down and that Citibank decided to close there relationship with me and they said we cant give any further details about this, I asked about my funds that were in the account they kept denying everything I kept saying they told me my funds were under investigation and that I cant get my funds until 30-60 days I told them I need my funds as soon as possible because I pay bills and rent and I have financial issues but they still said that they cant do anything about it and if I go to a branch they will tell me the same thing and that the branch wont help me