23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan is serviced through MOHELA and is at a 9 % interest rate. In XXXX, XXXX, I called to inquire regarding my high interest rate and possible options to lower payments, etc.. I was told that I 'd been charged incorrect interest since the loan originated ( XX/XX/XXXX ) and to " hold off payments '' until MOHELA 's accounting department could reconfigure my balance. On XXXX/XXXX/XXXX, I received a letter that my terms had changed to 8.17 % and balance reduced from {$36000.00} to {$23000.00}. This reduced my payment significantly and I made many financial decisions based on this information. I proceeded to make a home purchase, my credit improved, and I took a new job in another state. Subsequently, on XXXX/XXXX/XXXX, I received another message from MOHELA stating that the terms had been CHANGED BACK ( 9 % interest rate ) and my balance had actually gone up because they 'd put my loan in forbearance while their accounting department calculated what my new payment would be at 8.17 %, etc.. In calling MOHELA, I was told that the original person who 'd given me the information " had been XXXX '' and could not be reached. I then spoke with multiple supervisors in Customer Advocacy. " XXXX '' is my primary contact and states she is " trying to get Senior Leadership to do something but having a hard time ''. I 've gone weeks at a time without receiving a call back and it has taken hours of my time to try to get this resolved. I am a XXXX working at a XXXX and do n't have time in my day to constantly try to get an answer. I feel like I 'm being ignored and it seems unethical and illegal that a financial institution of any kind could change one 's loan terms on a whim. I made financial decisions for my family based on information received, only to have them change it back " because we made a mistake ''. The change in terms was in writing and they should be held accountable. I understand I have an obligation to pay my loan, but MOHELA has an obligation to provide accurate information and abide by the terms they provided me on XXXX/XXXX/XXXX. I encouraged them to utilize their " mistake '' for future training of employees or in looking at their processes. XXXX and financially, I was so relieved to hear that my balance had been reduced and that I would be able to meet some financial goals I 'd been pursuing. For MOHELA to make such changes on a whim, without this in consideration, is completely unethical. Something NEEDS to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

LVNV Funding LLC is attempting to collect a debt that was fraudulently opened. Original creditor XXXX XXXX XXXX XXXX  has removed trade line due to fraud. Debt was sold to XXXX XXXX XXXX  which then sold to LVNV. Please provide original application showing my signature for debt validation or remove fraudulent trade lines.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I needed to move for a new work opportunity. Most property management companies wanted access to a credit report and I granted it. Because I hadn't checked my report myself lately, I requested a copy. After receiving it XX/XX/year> I was dismayed to discover a collection record report had been added to my credit report with all three major reporting agencies. A company called Transworld System Inc had purchased a " seriously past due account assigned to attorney, collection agency, or credit grantor 's public collection department '' from XXXX XXXX XXXX XXXX. I popped XXXX XXXX XXXX XXXX into my search engine and discovered that they're an electric service utility with headquarters in Texas. 
Upon calling their listed phone number the representative for the utility notified me that they couldn't help me without an account number, ( which I didn't have since I haven't ever lived within any of their service areas or had an account with them ) drivers license, or SS #. I opted to give the rep my drivers license #. After a few seconds the representative wanted to know my SS # at which point I assumed that they either didn't have any records with my name or were fishing. 
XXXX I followed up with filing an email dispute to XXXX after failing the security questions etc. of both XXXX and XXXX. 
XX/XX/year> Made time to break from studying for a career test, unloading/unpacking, and the general mayhem of moving to a new area to start a new job, I checked the status to find that XXXX had no record of me filing the dispute. Which prompted me to call all three credit reporting agencies and file a fraud/identity theft report with the FTC and XXXX. This was a full 8 hour day of call waiting resubmitting and submitting two more disputes, filling out an FTC report and then uploading it per XXXX request. 
I believe that Transworld System Inc. is making a false claim hoping for payment for a purchased debt investment that they know doesn't have any connection to me. This conclusion is due to a : The debt was accrued at a company that has no record of me or my name. b : The multiple complaints I found in a 2 minute search of their name and complaints against them are consistent with them regularly practicing that tactic as part of their financial gains practices.
Product: Checking or savings account

I was considering a personal loan. I started talking to a company, XXXX, but ultimately decided I would not move forward with them. When I advised them I was told that they had already sent money to my checking account ( these funds were returned unpaid as I later learned from my bank ). Over the next few days they kept depositing money in my checking account and asking me to send it back to them by either XXXX or at the end, but purchasing XXXX gift cards and me providing them with the numbers on the cards. Then then started to move money around in my other linked accounts at Citibank. I now know that all their deposits to my account were ultimately rejected as fraudent deposits, although the bank did not notice me in a timely fashion that the deposits were not going to be processed. Citibank treated these deposits as immediately available, so it lulled me into confidence that I could return them as I did not want the money and did not want to do business with this entity. In the usual course of business, Citibank would place a hold on the funds availability to confirm that the funds were good before allowing me to draw on the deposit. Had they done so, I would not have immediately returned the funds as I did in good faith relying on Citibank to have vetted the deposit so as to protect me and themselves against check deposits that were not good funds. It should be noted that these deposits were made by mobile deposit into my account, and I did not initiate the deposits, nor did I endorse the checks. A view of these checks shows that the signature on the back is not mine, and as noted, the mobile deposits were not made by my cellphone. This situation involving multiple deposits to my accounts ( all of which were not 'good funds ' has compromised me to the amount of {$15000.00}. The fraudulent checks were drawn on 'funds ' from the XXXX of New Mexico XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over XXXX  days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, XXXX, and Transunion data breach.
Product: Mortgage

XXXX XXXX  : I changed my email address online at newrez.com and have had no account access since then. 

XXXX XXXX, XXXX  : I called in and was told they would submit a ticket. I should wait one month. 

-XXXX  XXXX, XXXX  : I again called in. Told to wait 24 hours this time. 

-XXXX  XXXX, XXXX  : Third time I called in. Spoke to XXXX and then a lady supervisor. Supervisor said they should have been able to delink the email when I originally called in. She can see the two tickets from XX/XX/XXXX & XX/XX/XXXX but they are still pending. No notes have been added, so they havent yet been worked on. Told there is no way to speak to the IT department. I just have to wait. I should receive an email when the process has been completed. 

-Today, XX/XX/XXXX  : Fourth time calling. Still getting all the same error messages : Unable to Sign In, Good News, It Looks Like You Already Have an Account etc. XXXX XXXX was unable to get me any further. 

When I try to create a new account, it will say Good News, You Already Have An Account. When I try to reset the password, I receive an email to my old email address that says Password Reset Request Denied... At this time your password can only be reset by an administrator because you are currently locked out of your account. This email tells me to call the same XXXX number for help. I've been calling now for 7 months and still have NO ONLINE ACCOUNT ACCESS.
Product: Debt collection

For the period XXXX thru XXXX XX/XX/2023 as an example there have been 14 calls from them, on the XXXX which was a Sunday there were 4, Monday the XXXX another 4 and today the XXXX there have been 6 as of XXXX. 

Before these dates they would on average call 5 or more times daily. 

Calls will start at XXXX and continue thru mid-afternoon.
Product: Credit reporting

Recently my bank XXXX XXXX XXXX check my credit report in order to give mea loan for a house and appear in the report a bankruptcy.I never declared bankruptcy
Product: Prepaid card

My son received a XXXX XXXX XXXX for {$50.00} from his aunt for XXXX. The card says you have to register at XXXX before using. When I tried to register the card, I kept getting an error message that the security code ( from the back of the card ) was invalid. When I called the number, the man said I need to upload my government ID to a website and they will get back to me within 30 days. The website keeps giving me an error when I try to enter the card information and security code on the card. I'm at a loss, as there is NO other avenue I can take. The website and call seems like an intentional way to get me to 'forget about the card. ' Or I think I'm getting scammed. I've never had to register a XXXX XXXX XXXX  before using.
Product: Debt collection

On XX/XX/XXXX there was a derogatory marks on my account as a result of a balance of {$990.00} from National Credit Systems. This company is a collections agency that The XXXXXXXX XXXX use. 
I had to terminate my lease as a result of a job opportunity elsewhere, I reached out to the front office at The XXXX, spoke to a lady by the name of XXXX XXXX explained my situation and said she would email me my Move-Out statement with the full balance I had to pay before moving out. The phone call with her was in the beginning of XXXX, XXXX sent me an email on on XX/XX/XXXX with the total amount of {$1000.00} plus my monthly rent of {$1200.00}. This amount had to be paid by or before XX/XX/XXXX. When I went to their website to make the payment I had the final amount of {$2100.00} which was paid in full on XX/XX/XXXX. 
Months later I get a notice that I am in collections due to me not paying The XXXX, I reached out to the apartments. Spoke to a young lady at XXXX who asked for the supporting documents. Those were emailed on XX/XX/XXXX. I called the following day on XX/XX/XXXX after the manager reviewed the documents, spoke to the manager who then stated it was reviewed and she apologized for the error on their behalf. Turns out the apartments were under new management and I paid the amount to the other management company, but to not worry and the mistake would be situated by her team. I have since, received another decrease in my credit score as on XX/XX/XXXX, which to me indicates it has not been situated. My score went from XXXX to XXXX.
Product: Mortgage

I am a XXXX yr old, 3rd generation homeowner who is having her home stolen by fraudulent and wrongful foreclosure and have the paperwork to prove it if someone could please help XXXX  XXXX before my home is taken for good. These documents clearly show that Loancare, its attorneys XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX, are all involved in some manner in this fraud. Loancare and XXXX XXXX XXXX are caught by the lies that they have created. Attached is the real servicing letter I received on XX/XX/XXXX from XXXX to XXXX. The fabricated document created by Loancare ( dated XX/XX/XXXX ) is a lie that appeared on XX/XX/XXXX and exposes the fraud. This letter appeared on XX/XX/XXXX after Loancare fraudulently obtained standing and summary judgement. It appeared with the change of Loancare to XXXX and was created for the sole purpose of backing Loancare 's Lie that they had the original note XX/XX/XXXX. But their lie backfired and exposed them because a genuine true servicing letter would have been from XXXX to Loancare certified with a stamp from the U.S. Postal Service on that date of XX/XX/XXXX. This shows that Loancare and its attorneys lied about their backdated assignment, their fake copy of a Note ( that was never attached to the complaint and didn't appear until XX/XX/XXXX ) The new evidence I have presented to the trial court of the fabricated letter I received XX/XX/XXXX along with the XX/XX/XXXX recorded transcript of my conversation with XXXX ( the real and missing servicer ) stating that XXXX XXXX was the investor not Loancare should allow the courts to prevent my home from being fraudulently foreclosed upon.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ] [ XXXX XXXXXXXX XXXX XXXX Subject : Cease and Desist Collection Efforts for Accounts # XXXX Dear XXXX XXXX XXXX XXXX  I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below. According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts are as follows : Account Number : XXXX Balance : {$16000.00} Balance Updated : XX/XX/XXXX Credit Limit : {$15000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Account Number : XXXX Balance : {$21000.00} Balance Updated : XX/XX/XXXX Credit Limit : {$20000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Please confirm in writing that you have ceased all collection efforts and that you will not report these debts to any credit reporting agencies. Thank you for your prompt attention to this matter.
Product: Credit reporting

Credit bureaus Experian and XXXX are scaming people offering your score for {$1.00} and then charging {$20.00} per month if you do n't go back and cancel a service that you did not order in the first place. You become aware of it when you see the charges in your credit card. By that time, they already got your money. It 's a scam of the worst possible kind from the very people who is suppose to ensure the transparency and good faith of the system.
Product: Prepaid card

I had transactions that were made through my account that were I didn't authorize them and I filed a claim and there deny me my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been unverified properly but yet still reporting on my credit file, as a general rule the 3 major credit bureaus can not and should not use electronic Verification as fact. In fact and by law electronic Verification can not be accepted as proof therefore either you / the 3 major credit reporting agencies send me physical documentation to verify these accounts or these following accounts shall be removed and blocked immediately from falsely reporting on my credit file. Please remove these unknown and unauthorized accounts, 1 )  XXXX {$670.00} 2 ) XXXX {$820.00} 3 ) XXXX XXXX {$120.00}
Product: Bank account or service

I have been getting hit with overdraft fees for the last three weeks but this weekend I got charged an auto loan payment that is usually due on the XXXX two days prior from its original withdrawal date causing my account to go into negative numbers. This has made me raise suspicion about the motives behind the transaction. I was not expecting the transaction that early so I did not have the funds available to meet the amount that was withdraw causing me to pay overdraft fees for big and small charges. I think it is very unfair how banks treat their costumers. I have tried getting those charges waived but the bank limits to only XXXX waived fees per 12 months. I think the creation of " pending transactions '' should be illegal and I also think banks should not limit the amount of waived overdraft fees to just XXXX. What about unfair transactions after those XXXX waived fees? My auto loan has always been withdraw at the XXXX of every month except last month and that is very strange and extremely unfair. I think the banks are still implementing illegal tactics and are still picking on low income costumers to create overdraft fees surges. Those practices should not be tolerated by regular people trying to make a living. I have already paid too much money on overdraft fees this month for small things like food and gas. Money that could have been better put to use on other things that are essential to everyday life.
Product: Debt collection

I have in my possession evidences and proof that show actions of common law fraud, unjust enrichment, and restitution ; Fair Debt Collection Practices Act ( FDCPA ) violations ; Fair Credit Reporting Act ( FCRA ) violations ; counts of Racketeer Influenced and Corrupt Organizations Act ( RICO ) violations, GRAMMLEACHBLILEY ACT ( GLBA ) violations and CCPA ( California Consumer Privacy Act ) by all parties involved listed above. 

XXXX XXXX, I received a copy of my full credit report via XXXX and noticed immediately, major errors with four accounts associated with the name or variations of the name XXXX XXXX, Resurgent and 12 XXXX  XXXX. I wrote letters via Certified mail requesting validation of the four separate entities that were listed as they were respectfully listed. Please be advised that the information reported about these three accounts was purposely entered to be misleading, incorrect and incomplete. 

XXXX XXXX website states this account was never assigned to Sherman Originator III, LLC. As stated on XXXX XXXX records for the account ending in XXXX, it is stated Your account has been charged off and has been acquired by another party. Blacks Law Dictionary Second Edition defines the term, Acquire as, The action of buying or gaining the possession of property. That party is listed Sherman Originator III LLC, - XXXX. 

Sherman Originator III LLC failed in their legal obligated duty as debt buyers to notify me when they purchased my debt from XXXX XXXX ( along with my nonpublic Personal Information ). This notice would have allowed me a window to dispute any duplicate accounts or validity. Subsequently, by not being disputed, they then became account stated. Meaning they created a new contract unbeknownst to me with Sherman Originator III LLC for every tradeline listed on my credit report. Fortunately, I did dispute these accounts during that time with XXXX XXXX. XXXX XXXX had the tradeline XXXX XXXX XXXX USA removed from XXXX and XXXX  but remained on XXXX. This is the reason why when I received my credit report on XXXX XXXX, the account listed as, 12 XXXX  XXXX XXXX, the comment says disputed my customer. The name was just changed. 

Sherman Originator III LLC, currently has 86 companies and 74 people registered at the address of XXXX XXXX XXXX XXXX, SC XXXX, all of who seem to operate and function in different roles in each different company, all who of which are to be included but not limited to being included in this notice of intent to sue .The Sherman Group owns XXXX XXXX XXXX , where XXXX XXXX is CEO/Owner/Founder, Sherman Financial Group plus others,. This confusing chain of ownership is proof beyond unreasonable doubt that alter egos of these companies exist and the principle business of the affiliates is debt collection.