23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Due to medical issues and bills and a loss of job we filed for XXXX loan modifications with Owcen, but were denied. We were eventually forced to leave the house and relocate to another state. We notified the lender we had vacated the premises and completed XXXX short sale applications. Both were eventually denied, although I periodically receive letters from Owcen saying " Thank you for your short sale application it is being reviewed ''. It 's been over 1 1/2 years.
Product: Debt collection

In XXXX, XXXX I was temporary leaving in XXXX, Where I was a customer for XXXX for the period of XXXX month by the end of XXXX I closed the account and sent their equipment back in the XXXX mailer they provided. I move to my present address on XXXX XXXX, XXXX. On XXXX XXXX XXXX through XXXX XXXX XXXX went into my XXXX Consumer Report and report this account as collection for the amount of {$420.00}. I called XXXX and after speaking with XXXX customer services person XXXX XXXX XXXX, who stated that I own this amount from the services address XXXX XXXX XXXX XXXX, NY and the account was set on XXXX, XXXX with a last payment XXXX on XXXX, XXXX. I informed her that never leave in XXXX XXXX XXXX XXXX, NY. 
On the month of XXXX I placed a disputed with XXXX Consumer Report base on the information stated above was not requested by me nor leave in XXXX XXXX XXXX XXXX, NY as they indicated. The account was delete from my XXXX credit report on XXXX, XXXX as conclusion of the disputed. On XXXX XXXX, XXXX I receive a letter from XXXX XXXX XXXX where state the account was remove base on statute of limitations. 
On XXXX XXXX, Enhanced Recovery CO LLC report this account on my XXXX Consumer Report and XXXX Consumer Report making my FICO score to drop dramatically. Immediately I sent a certify letter requesting debt validation and informing that base on the Fair Debt Collection Practices Act this type of debt has Time-Barred. Therefore let this letter serve as notification that I do not wish to be contacted about this debt since a violation of the Fair Debt Collection Practices Act apply. 
Enhanced Recovery Company continue to ignore my request in this matter. Both XXXX XXXX and XXXX need to be examined for these bogus activities. My credit is good enough that I will not take the " hit '' of {$420.00} nonpayment with a notation that I dispute the charge. I am requesting an investigation on this matter and order to stop XXXX and XXXX in this spurious business conduct.
Product: Vehicle loan or lease

I purchased a vehicle via a loan with a co-signer and {$1000.00} down and was told financing would be through XXXX XXXX  at the beginning of XXXX at XXXX XXXX XXXX in XXXX, Kansas. Instead of submitting paperwork for my current vehicle to the creditor, the dealership submitted paperwork for a previous car I had looked at. Subsequently the financing deal through XXXX XXXX expired and I was notified via letter. I had already given my XXXX trustee the title with XXXX XXXX as the creditor. On XX/XX/XXXX my car was financed through Credit Acceptance, yet since then I have not been able to get my title fixed and subsequently have not been able to register my vehicle that Ive had since XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Oh XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. 
XXXX, UT XXXX Dear XXXX XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged Off : {$1300.00} I believe that the issuance of a XXXX is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. 
Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Debt collection

I have a XXXX year old debt that I no longer owe. I confirmed with my doctor 's office and received text messages that I only owe {$77.00} however 2 months ago my balance jumped to {$2900.00}. The doctor 's office does not even see that balanced owed, the collectors has been aggressively calling from different numbers every week for the passed few months.
Product: Debt collection

This payday loan was opened back in 2012. I joined a payday loan support group shortly thereafter. To my understanding, the support group sent out validation letters to all the payday loan companies that I had done business with. No letters came back proving that these loans were valid in Florida. Since then I have been contacted by phone calls at home and at work. And now this has shown up on my credit report in collections. I tried contacting the payday loan support group that I joined but they are no longer in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to access my credit report or credit dispute results through Equifax 's webpage. Every time I try, I get a number to call instead. 

When I call their number, they tell me I must do everything over the phone or via mail. When I ask to speak with someone who can help me with my online access problem, I'm told no one in their company can help me. I just have to use the phone. This is completely unacceptable to me, as using the phone requires about 30 minutes of identity verification and requires me to buy another credit report so I can answer security questions. 

They company should be able to explain why I can't access my account online and provide a remedy. They tell me no remedy is possible, which is complete nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have seen inquiries from companies that I dont know nothing about.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1000.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX Balance {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$240.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$7800.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance {$3900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$150.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance {$200.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX 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

My wife and I both have some of our banking accounts ( 1 Personal Checking, 1 Personal Savings, 1 Business Checking ) with M & T Bank. I spoke with the manager regarding a complaint of an employee with a conflict of interest looking into my account. The bank manager that I spoke with is listed below. 

M & T Bank Rep. 
XXXX XXXX XXXX Vice President Senior Branch Managager I spoke with her on XX/XX/XXXX in the XXXX XXXX on XXXX XXXX in XXXX, Md in the XXXX XXXX XXXX. 

The inquiry was regarding an two M & T employees ( one at the time was currently an employee, while the other was no longer employed with the bank ). These two individuals are directly related to someone I had a falling out with in my past who had/has been spreading false and/or disparaging rumors about me and my character over the last 2.5 - 3 years. I have reason to believe that they were prior into my account and sharing my personal information with this individual. This individual that has been spreading these false rumors, is also the father of employee 1 and the father-in-law of former employee 2. 

On XXXX XXXX, XXXX I requested if they could investigate whether or not either of these individuals had made inquiries into our accounts which would have a clear conflict of interest. 

After I sent the email, XXXX XXXX called me directly to tell me that she had shared the info with proper department. She then explained to me that she could not tell me what department it was going to, or if they would get back with me. She told me that she is not allowed to tell me anything. She refused to tell me anything after multiple visits to this bank, while I repeated informed her that I felt like my privacy has been compromised. The bank will not respond to me via email and they will not give me a point of contact or the name of the department that is supposed to be doing the investigation. 

In addition to their refusal to share with me a direct answer, on XXXX XXXX, XXXX I received a notice from the same bank that said that after a recent review they found that between XX/XX/XXXX - XX/XX/XXXX more than one Non-Suffient Fund ( NSF ) Fees had been charged to my account and they accredited back to me {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX XXXX Account # 's XXXX, XXXX, XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX OF XXXX XXXX Account XXXX XXXX, XXXX. XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # 's 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: Credit reporting, credit repair services, or other personal consumer reports

o/a XX/XX/ my XXXX XXXX  bankruptcy was discharged and in about 3 weeks all 3 credit bureaus ' had started reporting creditors that were discharged in my bankruptcy correctly ; 'closed account ' 'discharged in XXXX XXXX bankruptcy '. 

o/a mid XX/XX/ Equifax allowed XXXXXXXX XXXX XXXX XXXX XXXX to file erroneous information on one of the accounts that was discharged in the bankruptcy as 'charged off ' showing the amount. 

o/a XXXX XX/XX/ this agency has allowed XXXX XXXX XXXX XXXX to do the same thing, change the status from 'closed account ' ' included in discharge of XXXX XXXX  bankruptcy ' to 'charged off account '.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect items were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : XXXX XXXX; XXXX XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX ; XXXX, XXXX, XXXX; XXXX XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$62.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX  - XXXX ) XXXX Balance : {$420.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; CERTIFIED CREDIT REPOR XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX
Product: Student loan

This is a complaint regarding a refund request I made to my loan servicer. 

My student loans were transferred from XXXX XXXX to NelNet Servicing on or around XX/XX/XXXX. I made XXXX payments to XXXX since XX/XX/XXXX, totaling {$6300.00}. I made XXXX payments to NelNet on XX/XX/XXXX and XX/XX/XXXX for {$290.00}. I have made a total of {$6900.00} in payments to my student loans during the Payment PAUSE. 

On XX/XX/XXXX, I emailed NelNet requesting a refund of all student loan payments I made during the payment PAUSE. I emailed them the following attached message, which clearly indicates the amount I am due, that I understand the implications of my request, and the request that these payments be refunded by check. They sent an acknowledgment email 23 days later on XX/XX/XXXX in response to my email request. I also called on XX/XX/XXXX, to make this request verbally ( see attached cell phone call history ). 

I received XXXX refund checks for {$290.00} each, dated XX/XX/XXXX. These are the amounts I paid directly to NelNet. I called NelNet On XX/XX/XXXX and inquired as to why I did not receive the {$6300.00} I had paid to XXXX. They insinuated that it would take months for my payment history from XXXX to come through, which is unacceptable. I asked if there was anything else I could provide, I was told no. 

I made my refund request 66 days ago. NelNet either is having problems getting my payment history from XXXX, or is not properly processing my request.
Product: Credit card

they closed my account based off me reaching to representative about fraudulent transactions on my account it was XXXX and i was upset. the agent was cutting me off and over talking me being rude its a freedom of speech i was frustrated and the agent just kept not being compasssionate or have empathy based on my situation on a family holiday. you guys are very hypocritical because the type of agents you hire are rude and disrespectful i have done nothing but have excellent payment history with this company and this how they treat me. Also i reached out to this company 3 times about my credit on my account i have a XXXX balance on this credit card and they giving me the run around with shipping my check when they had no issue sending an overnighth priority closing my account based off a conversation i had with an employee that sarcastic and rude!!! its been more than XXXX  days since my account been closed and i submitted a request for a check to be mailed out and now they making me wait an additional XXXX  days which is absurd i cant believe this how capital one treat a customer with excellent payment history with them.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$9700.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I made 3 trial modification payments to XXXX. I made a 4th payment XX/XX/2016. XXXX sold the loan to BSI. I was told that BSI would honor the terms of the modification. BSI stated that they were waiting to find out who was going to pay the taxes for the home, BSI or XXXX and then we would receive the permanent modification papers in the mail. On XX/XX/2016 the representative said I would hear back from him by the end of the week about the permanent modification being mailed out and the {$30000.00} which is in escrow. The escrow account is 3 times the amount that is needed for escrow. On XX/XX/2016 I called the company to speak with the representative and he is not available. It has been over 60 days since BSI received all the paperwork from XXXX. I still have not received the permanent modification from BSI.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Fraudulent Charge-Off/Collection XXXX  XXXX XXXX  Account Number : XXXX Last 4 digit card number:XXXX Account opened:XXXX, XX/XX/XXXX Account Closed:XXXX, XX/XX/XXXX Dear, Transunion, XXXX, XXXX I am writing to inform you that the account referenced above, which is listed on my credit report as a charge-off/collection, was opened or incurred fraudulently as part of identity theft. I did not open or authorize this account, nor am I responsible for any related charges. 15USC CODE 1681 As a victim of identity theft, I am requesting that this fraudulent account be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) and Identity Theft and Assumption Deterrence Act, I demand that the account be fully deleted from my records with your agency, as well as from my credit reports with the XXXX major credit bureaus ( XXXX, XXXX, and TransUnion ). 

To support my claim, I am enclosing the following documents : Police Report/FTC Identity Theft Report A copy of the police report or FTC Identity Theft Report filed regarding the identity theft. 
Proof of Identity** : A copy of my driver 's license, passport, or other government-issued ID to verify my identity. 
Proof of Address A utility bill, lease agreement, or bank statement showing my current address. 

Please respond to this request within 30 days, as required by law, confirming the removal of this fraudulent account. If you need additional information to complete your investigation, do not hesitate to contact me. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX