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

I was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX Balance {$150.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance {$430.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$580.00} ; XXXX XXXX XXXXXXXX Balance {$900.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance {$180.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} ; XXXX XXXXXXXX Opened XXXX XXXX, XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXXOpened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XXXX. XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX ; XXXX Inquiry Date XX/XX/XXXX ; US SM BUS ADMIN ODAInquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

the company website was down on the XXXX to make payment, called carmax they informed you will be fine if you make payment by XXXX by XXXX i have attached copy of my payment that was done before the time, called carmax to make sure that my account was not reported late since they took the money out onthe XXXX i have attached payment conformation, i called them yesterday the account XXXX stated your payment was on time and you will not have no late payment reported, this am i see they reported in all the XXXX bureaus late, they need to remove the late payment on my report or remove my account i dont want to do business with dishonest companies, i have a right to opt out of reporting if its unfair and unjust.
Product: Student loan

I am requesting the full accounting file for both the private and public sides of the ledger for account number XXXX. The ledgers of this account will show any checks or payments made to me by Mohela that I am required to pay back. I am aware that I provided a promissory note as collateral for this transaction and the amount of the promissory note is considered is equal to the sum of what is alleged that I owe. If there is any interest made on this account, I as the account holder am entitled to all rights, interest and dividends and demand that they be released and paid to me immediately Mohela claims to be a servicer for the Department of Education which is a subsidy of the United States. However, they do not have the power to collect on behalf of the United States. The head of executive, judicial, or legislative agency are the only parties that can collect on behalf of the United States. To my knowledge, Mohela is not an executive, judicial or legislative agency. Mohela continues to send me statements asking for payment when I do not owe them anything. 

I am requesting that this company cease and desist any further communication with me through any medium including reporting to any consumer reporting agency. I wish to opt out of any further reporting of the above account. 

As this company is currently in possession of my personal non-public information without authority or consent and using the information to extort payments from me, they are guilty of aggravated identity theft. Using the personal information of another person without consent is the definition of ID Theft according to the FTC. Any further claims of money being owed to this company will result in a federal lawsuit for damages related to making a false claim, securities fraud, and defamation of character. 

I am demanding that Mohela delete all accounts reporting on my consumer report as these are unauthorized accounts and I have not provided consent for the reporting of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to 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
Product: Checking or savings account

On XX/XX/XXXX, I was charged a maintenance fee of {$5.00}. On around XX/XX/XXXX, I called the Bank of America hotline and spoke to a lady representative who told me she could waive that fee of {$5.00} and if I transfer in {$290.00} and bring my account balance to {$300.00}, I would not incur any fees going forward. So I transferred {$290.00} on the same day and my bank balance was {$300.00}. 

Despite being guaranteed no further monthly low balance fee, I was still charged {$5.00} a month until XX/XX/XXXX. I expect another charge of {$5.00} on XX/XX/XXXX, having spoken to Bank of America agents on XX/XX/XXXX. 

The fees were unjustified because they were caused by wrong information provided by a Bank of America agent. If I knew what caused the fees, I would have transferred in more money by a certain date. However, I was told all was good. Because I had difficulty logging into my bank of america account until XX/XX/XXXX, I was charged XXXX XXXXXXXX for 17 months.
Product: Debt collection

I am disputing the debt charged off and now this debt collection company, Portfolio Recovery is calling me two to three times a day using a robo call system. They call at XXXX and also call at XXXX almost everday for going on 3 months at this time. 
XX/XX/XXXX they called at XXXX they also called at XXXX XX/XX/XXXX they called at XXXX XX/XX/XXXX they called at XXXX XXXX  XX/XX/XXXX they called at XXXX XX/XX/XXXX they called at XXXX The have been told not to call my number but still call and they are also using a Phishing technique to get me to answer by using erroneous local phone numbers to avoid their Company 's Name showing up in my caller ID. 
I have warned them no less than 5 times that I would report their practices to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to Bank of America regarding three accounts that were being reported to XXXX XXXX. In that letter I asked for validation of the alleged debt under the Fair Debt Collection Practices Act. I asked them if they could not validate the this alleged debt that it be deleted from XXXX XXXX. 
On XX/XX/2019 I received a response from Bank of America stated that the were " validating '' this debt and also an email stating that I had an outstanding balance. These letters for these accounts were just dollars and cents nothing to officially validate a debt.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, XXXX and Transunion Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items from my credit file. I contacted XXXX, XXXX and Transunion Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with XXXX and Transunion Credit Bureau 's requests. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX, CO XXXX ; XXXX  XXXX Balance : {$1700.00} ; XXXXXXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; Original Creditor : XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

Social security admidastration/ I have called there XXXX number 3 times, emailed them once, called my local office, Social security has reported to XXXX and Experian a collection of {$4700.00} They tok my tax refund of {$1500.00} which after calling them they reported it to the credit berues, but they are garnishing my wages and are not reporting this to the credit berues at this point I only owe them {$1200.00}, as I said they are not reporting this and are damagimg my credit,
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federal consumer, I have a right to privacy and my rights have been violated. I am writing you to notify you that there is inaccurate and unauthorized reporting of all named accounts on my credit report by Experian, as well as the furnisher of information to credit agencies, in violation of the Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq., 15 USC 6802, and the Private Act of 1974 ( 5 U.S. Code 552a ) .___________________________ 1. ) Account/ # - XXXX  XXXX ( Report Credit Utilization/Transaction as Paid as agreed and 0 % utilization ) 15 USC 1681a ( 2 ) ( A ) ( I ) ____________ 2. ) Account/ # - XXXX  XXXX ( Update Adverse Late Payments to Paid as Agreed ) 15 USC 1666B__________ 3. ) Account/ # - XXXX XXXX Delete/Remove off report ) 15 USC 1681c ( a ) ( 5 ) ____________ 4. ) Account/ # - XXXX  XXXX ( Delete/Remove Adverse Item off Report ) XXXX5 USC 1681c ( a ) ( 5 ) ___________ 5. ) Account/ # - XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ____________ 6. ) Account/ # - XXXX  XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ___________ 7. ) Account/ # - XXXX  XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) _____________ 8. ) Account/ # - XXXX XXXX XXXX XXXX XXXX Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ______________ 9. ) Account/ # - XXXX XXXX XXXX XXXX Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ____________ 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. As a federally protected consumer, I am NOW OPTING OUT of any, and all authorization I may have given you, whether it be written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 on the named accounts listed.

I request that you cease all reporting on named accounts on my behalf immediately. I also request that you investigate and correct any inaccuracies in my credit report, as required by law. Such as different names and addresses other than the one listed on this correspondence pursuant to 15 USC 1681b. 


XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

This account does not have the amount correctly and is also a fully paid account, the payment was made at a XXXXXXXX XXXX  on XX/XX/24, therefore the amount should be removed and eliminated from my credit report. 
Account name XXXX XXXX XXXX Account number XXXX
Product: Vehicle loan or lease

In  XXXX  of  XXXX , I purchased a  XXXX   XXXX   XXXX . The loan holder, is  Santander USA . During the life of the loan, late payments were submitted and I requested   XXXX   deferments which understandably extended the life of the loan. In reviewing the contract it states that if a payment is late, the customer is required to pay 5 % of the payment that is late.   My car payments are {$360.00} per month. Santander claims that interest accrues daily and additional interest accrued due to the late payments. However, the contract does not indicate this. Furthermore I have never received written documentation supporting their claims. Presently, my account is current. On  XXXX   XXXX ,  XXXX , I contacted Santander to clear up all fees reflected on my account.. {$210.00} in late fees and a {$20.00} misc.fee. I paid an additional {$10.00} for the representative to process the payment. Thinking that the payment was applied to the late fees, I called and found out that it was not. Three additional calls was made and the payment was not applied. I was informed a supervisor would return my call ; and of course they did not. It was not until my fourth attempt that I was told that a request was forwarded to Santander 's accounting department to apply the payment towards the fees and to wa it 48 to 72 hours for   the adjustment. This incident is noted in my complaint to be used an example of the lack of, professionalism so within this corporation. However, during the call, I asked the representative, whose service was far more professional than usual. I asked her the same question that I have been asking over several months, and no one seems or wants to answer. My question : To satisfy the loan, when is the last payment to be submitted? Her answer :  XXXX   XXXX ????? How? My payments are current and not in arrears. Although their system reflects that my maturity date is  XXXX   XXXX , that date includes the requsted deferments, how do they substantiate the additional 10 months of payments? A previous complaint was previously submitted to the Better Business Bureau where no resolution was made. Other than late fees which amounted to {$210.00}, why should Santander receive an additional {$3600.00} give or take due to late payments? As of the beginning of  XXXX   XXXX , my remaining principle balance was {$8700.00}. Why?  Santander h as been applying my money to satisfy unexplained interest fees rather than applying the money to my principle balance. At this point in the loan, they have received above the requested amount of interest that is stated in the contract.
Product: Debt collection

I am writing to highlight a concerning issue regarding my credit file. I have noticed a collection entry from your agency, which has grabbed my attention as I was not previously informed about this collection. Moreover, I have significant doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate actions to resolve this matter.
Product: Debt collection

i am a victim of id theft. i have no knowledge of Amsher collection se ( XXXX ) or XXXX XXXX XXXX Can you please remove these items from my account as soon as possible. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated ( XXXX XXXX Account number:XXXX ) ( XXXX XXXX Account number:XXXX ) ( XXXX Account number XXXX ) ( XXXX  Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ), was properly investigated but how is that possible if the open date in inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 15. U.S.C 1681 section 604 A section : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I Have not given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX, Equifax and XXXX for more then 10 months. They never send me any results or status about my claims, they just delete the dispute accounts then later down the line re-add them causing my score to drop. In my last letter on XX/XX/20, I warned them I would consider a complaint due to the FCRA regulation regarding re-inserting deleted accounts. This was ignored.
Product: Consumer Loan

I have a judgement showing from Chase card XXXX XXXX XXXX XXXX for {$3000.00} the reference number is XXXX. This money was collected through wage garnishment XX/XX/2012. It is still showing on the credit report, but is not showing that it has been paid. The balance was paid in full by wage garnishment.
Product: Student loan

XX/XX/XXXX, To whom it Concerns, my account number is XXXX. I called Mohela on XX/XX/XXXX and spoke with a manager. She stated that I need to upload my Public Service Forgiveness Form showing my Employment Certification for them to continue to count my payment for forgiveness. I upload the form on XXXX XXXX showing that I have been with my current federal employer since XX/XX/XXXX. She stated that they would start counting my payments immediately after I upload my PSLF. She also stated that they would contact my previous servicer ( XXXX ) to see if I had additional payments that could be applied towards the 120-payment amount needed for loan forgiveness. I called today, XX/XX/XXXX, and spoke with XXXX, and she said that she did not know if the manager had contacted XXXX for additional payment information that was missing from Mohelas records. She transferred me to a manager. I was on hold for over an hour. A manager never picked up and the phone hung up. Each time that I call Mohela, I am left on hold for extended periods of time. Over 2 hours or more. My account shows that 7 Loans ( 2 Direct Consolidated Subsidized Loans totaling {>= $1,000,000} ) and 4 Direct Loans Unsubsidized totaling {$150000.00} ) have 115 Qualifying Eligible Payments and twenty-six that need Employment Certification. My account shows that I have 141 Eligible Payments. These loans should be forgiven immediately because I have previously submitted my Employment Certification to Mohela. Please see the attachments below. I am presently on hold right now to speak with a manager and have been on hold for over an hour. They allow 30 days to count the payments after the PSLF application has been submitted. As of today, they have not started counting my payments. The payment count process should be completed on XX/XX/XXXX. 

I am requesting my student loans mentioned above be forgiven under the PSLF immediately. If you have any questions, please don't hesitate to contact me at XXXX or XXXX, or XXXX. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) XXXX XXXX   and resolved by the grantor ( s ) XXXX XXXX.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( XXXX XXXX ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX  XXXX XXXX, XXXX, LA XXXX.
Product: Mortgage

Regions Mortgage decided to raise my monthly payments excessively this year. Last year I paid $ 630/month and that included a little extra that came off of the balance. This year they want to raise it to $ 740./month. According to my calculations, P & I, plus the extra for a home warranty plus 1/12 of the escrow requirement totals {$640.00} Regions already has a pad in the escrow account of over {$1000.00}. I want my payment back to something reasonable and I do n't see why they need an extra {$2000.00} in the escrow account.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX as sustituted trustee scheduled a private trustee 's sale ( # XXXX  ) together with Select Portfolio Servicing , Inc. without compliance of the applicable laws.

I requested specific documents, and statutes under the applicable laws on XX/XX/2018 ( and also in XX/XX/2018 ).

SPS responded that they'll provide requested documents and statutes within 30 days, which I have not received.