23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took student loans in XXXX, XXXX, and XXXX to pay for my XXXX education at XXXX XXXX XXXX NY. All these loans were taken based on a " deferred '' payment arrangement starting in XX/XX/XXXX and onward. For my career enhancement, in XX/XX/XXXX, I left XXXX XXXX and registered in a foreign MD medical school that is not approved by my lender. Due to this, my lender has stopped giving me additional funds and also forced me to start the monthly instalments immediately instead of following the agreed " deferred '' plan. They are not appreciating that I am not asking for more funds and my outstanding loan relates to an eligible school XXXX XXXX XXXX XXXX and I have not drooped out of college and in fact pursuing a much higher professional education on a full time basis. My loan also had my aunty as a co-signer. Now my Dad is paying my monthly instalments but the lender has refused to replace my aunty with my Dad as co-signer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 me and my partner received an email alert that there was a fraud transaction of {$1000.00} at XXXX from our business account. Then XXXX minutes later we received an email that a wire transfer was sent from our account. We were working at that time and none of us have ever done a wire transfer and did not authorize anything. We looked at our account right after we got the alert and our entire account was wiped out. A total of {$29000.00} was wired to a XXXX  XXXX account. We called Chase Bank immediately and told them that there was a wire fraud on our account and to put a stop on it and do something because that was not us. All chase told us was that they were going to send papers in the mail for us to fill out and that is it. We waited two weeks and nothing came in so we called and called and someone finally said that we can get the papers at a local branch. They never told us that from the beginning. So we filed the police report and filled out the affidavit. Our claim got denied before we even sent in any documents and they never notified us. Then we waited another week and I called and it got denied again. They said they had recordings of me authorizing the wire and that I benefited from it. That never happened I never called no one or was on the phone with chase. Now our entire account is wiped and they are saying there's nothing else we can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Provided your company with identity theft documents, affidavit and verification documentation. My credit file still contains unauthorized and inaccurate information.
Product: Payday loan, title loan, or personal loan

I applied for a personal line of credit about a week ago and during the application process the banker told me he would have no problem getting my line of credit approved, and would only need a few documents to get the process completed. I emailed him all of my personal documents including bank statements, tax returns, retirement accounts. After a few days of going back-and-forth with his credit analyst team, he informed me that they were declining my application because of lack of income, however my income has been steady for the last XXXX years and is actually higher this year than it was last year. He said that the underwriting team was a little different over here and that they were very conservative, however I am a mortgage banker and I am very familiar with underwriting guidelines. My main issue is that he provided to me a credit decision over the phone and told me my application would be approved, which in my mind is very misleading and is a violation of Fair Lending guidelines.
Product: Mortgage

XX/XX/2018 filed for a short sale XX/XX/2018 notification of incomplete materials submitted XX/XX/2018 materials submitted and approve XX/XX/2018 denied for expiration of materials Resubmitted in XXXX application complete XX/XX/2018 approved for sale XX/XX/XXXX nitrified of expiration of submitted materials Reapplied no communication from Ditech Mortgage or XXXX XXXX
Product: Mortgage

My wife and I wanted to close our home equity account. She went into the Wells Fargo branch to close the account and was instructed to call the Home Equity XXXX. We called the Home Equity XXXX and was instructed to send a letter to the Payoff Processing Dept with a {$400.00} prepayment fee. We were surprised as we had a zero balance on the account.
Product: Debt collection

This is company is a scam they force you into a time share that they tell you you will get this and that and was all a lie. I spoke to several rude reps and tried to work something out even to get out of it and their rude responses was not right at all. I told them that I have little to no hours at work, then they turn around and said how do you support yourself and pay your phone bill.? they will not even let you break contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am experiencing great difficulty in getting Equifax to comply with my dispute request per the FCRA guidelines. I have submitted verification of my address change ( i.e. lease ) and have notified Equifax that my information has been compromised to obtain a XXXX Credit Card which is currently in default. I have provided Equifax with a copy of the FTC report, my current lease ( I have resided here since XX/XX/2017 ) and a notarized statement but have been unsuccessful in my continued efforts to have this fraudulent account removed from my credit report. 

In speaking with an Equifax Supervisor today named XXXX, she informed me that the account was not removed because XXXX XXXX XXXX was able to verify my identity ( name, social security number, date of birth and " former '' address ). I tried to explain to XXXX that the address on my credit file is incorrect and has been so since 2017. I tried to explain to her that Equifax has been provided with copies of my current lease. I even tried to explain to her that I also provided verification from XXXX that confirms that my data has been breached and compromised on the dark web ( as well as breached with Equifax ) which would explain why it was so easy for this fraudulent account to be opened as well as XXXX to be able to " allegedly ' verify my identity. 

Moreover, herein lies the issue, PER section 609 of the FCRA, I have the right to be provided with the documentation that the Furnisher sent to Equifax as evidence that the XXXX credit account is correct. This verification has been requested several times and Equifax has failed to provide it which is against the law. 

As such, I am demanding that the following account listed below be immediately removed from my Equifax credit report. 

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

Spoke with a representative of XXXX, XXXX  and Equifax, about fraudulent items that where on my credit report, as well as wrong names, addresses and employers. I was told to send in a dispute, which I did, and it came back verified. This isn't possible, Ive already file a report, spoke with the creditors about the accounts, placed a freeze and fraud alert on my credit report, and file a FTC report. They aren't being very cooperative, I just want to protect myself from any further damage, and get these accounts off my report, which has cost me denial of credit and higher rates when I did get approved. I was totally clueless of this account until recently in XXXX when I got my credit report.
Product: Student loan

Account rehabilitated and shouldve been deleted, loans being handled by XXXX.
Product: Mortgage

On XX/XX/XXXX  I signed on to my mortgage lenders site to make a payment. At that time the payment was accurate and as expected based on what I owed. When I logged in the very next day they were showing an amount due to that was over {$200.00} more than what my normal payment is. The payment went from approximately {$1800.00} to {$2100.00}. At first I thought it was a glitch, so I logged on again today and saw again that the payment indeed was showing as {$2100.00}. My taxes and homeowners insurance didn't increase by over {$2400.00} for the year, so I couldn't understand why the payment would have gone up so much. So I called them today ( Monday XX/XX/XXXX ). They said that they put a new requirement in place where they wanted all of the escrow upfront to pay taxes and insurance. And that since I didn't have it all upfront the extra monthly amount was to catch up to that amount. I was never given notice of this change, nor time to adjust and figure this out in my budget. I just received a new bill. I've been with them for over 5 years and I've never had this happen before and it appears to be unfair to just raise someone's mortgage payment without even giving any kind of notice or options.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I had a XXXX XXXX  XXXX done. I was XXXX at the time, but due to a strong family history of XXXX XXXX, I had to have XXXX done starting at age XXXX. 

The billing department forgot to code the XXXX with " family history '' and I was denied as " non covered benefit '' because of my age. I never received any notification that this was unresolved until it showed up on my credit report. 

I disputed it thru my XXXX XXXX app, and it was determined that the account was valid. 

I reached out to the Doctors office and explained that it was not clear to me why a XXXX XXXX which is covered at 100 % on my policy is now a negative remark on my credit report and in collections. 

The doctors office advised that they fired their billing agency because this happens all of the time and that they would write it off because it was beyond the 120 days to alter the medical claim, that my chart indicated in several places that this was a covered benefit because of family history and it was an office error that the account was placed into collections. 

It is still negatively impacting my credit score. I have reached out to the credit collections company and advised everything to them about this and they won't do anything about this. 

The {$380.00} is the responsibility of the doctors office. They filed the claim wrong. They waited too long to correct it. They didn't do what they were supposed to do. My insurance company would have paid this at 100 % had the billing office done their job correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # has violated my rights. XXXX XXXX {$0.00} XXXX XXXX {$430.00} XXXX XXXX {$0.00} XXXX  XXXX {$4200.00} XXXX XXXX {$0.00} XXXX XXXX {$2200.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX XXXX {$55.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$150.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$1600.00} XXXX XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX {$370.00} 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 instruction.
Product: Credit reporting or other personal consumer reports

Fraudulent activity has taken place accounts have been opened in particular XXXX. I filed an identity theft report and submitted affidavits. To Experian in attempt to rectify the situation this has caused me bad credit and Unfavorable circumstances. XXXX XXXX XXXX acct Account Number XXXX
Product: Debt collection

On XX/XX/XXXX, I logged onto the XXXX website and saw Collections from Aargon Agency that I know nothing about that have negatively affected my credit score. I have been a victim of identity theft since XXXX and I made a report on XX/XX/XXXX at XXXX.
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX  Account # ending in XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account # ending in XXXX opened XX/XX/XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXXXXXX XXXX  account # ending in XXXX opened XX/XX/XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have a right to privacy.


15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish 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 items 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.
Product: Credit reporting

My wife and I are XXXX XXXX members, serving in XXXX. My wife claims XXXX as a state of legal residence, and pays state taxes ; I do not. I was served with a Tax lien by the state of XXXX despite not requiring to pay state taxes. I have tried to dispute that with them, but after providing the information they requested ( Leave and Earning Statements, XXXX 's ) they said that they would resolve this issue in 30 days ( as of XXXX 2015 ) but they have not, and the remark is still on my record. Please assist in getting this cleared. Thank you!
Product: Credit reporting or other personal consumer reports

From XX/XX/2024 to present I have sent various letter to XXXX, Equifax, and XXXX regarding numerous inquires on my credit profile that do not belong to me. I was a victim of identity theft and for that reason I have a fraud alert placed on my credit report with each bureau instructing any creditor wishing to access my credit profile to verify my identity through contacting me at the listed phone number and obtaining identification. XXXX, Equifax, and XXXX failed to comply with my wish to protect my credit information and even more so did not complete a thorough investigation of my disputes when presented to them sending out correspondence stating that the inquires would remain for 2 years. 

In accordance with the Fair Credit Reporting act. The list of inquries below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. .15 U.S.C 1681 section 602 A. 

XXXX, Equifax, and XXXX have not complied and I am requesting action or demanded compensation.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX, TRANSWORLD SYSTEM INC and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Debt collection

This company Ocwen Loan Servicing XXXX has accessed my consumer credit report without lawful authority. I contacted them via facsimile transmission on XX/XX/XXXX. They have not responded. I asked them to send me any documentation that shows I gave my consent for them to pull my credit report and violate my constitutionally-protected right to privacy. 

They have not sent any documentation showing that I have given anu such consent or that I have any kind of previous relationship business relationship with them. In fact, they have not responded at all. I am invoking the office of the CFPB to take any measures necessary to make them correct the violation before I file suit. If they respond with anything relating to accessing my credit report as being a soft " pull '' that will be unacceptable. 

An identity theft affidavit and police report will be forthcoming.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for reading my request about my accounts. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that a number of accounts were charged off with XXXX XXXX XXXX_Equifax, XXXX. 

I am requesting that these companies please forward me a copy of the 1099-C that was issued by there company when they charged off this debt with the IRS which is required by law for all debts over {$600.00}.

I continuously asked to do so and no one has sent anything. IT looks as if they are looking for a way not to remove this from my report if this was told in error initially it should not be altered to stick on my credit report.
Product: Debt collection

XXXX XXXX XXXX is a collection agency that has been paid. I have tried disputing their account multiple times due to their illegal and inaccurate reporting, yet it remains. This collection company is reporting this account as open, though it 's been paid for numerous years. They have it listed under installment accounts as though it was a cc though I never had a CC agreement with them, it was with GE Capital, the company they bought the debt from. They list a high credit amount as though they 're a CC instead of a collection agency. They list dates of serious delinquency like a CC. All tactics that as a collection company they are not allowed to use and if I remember correctly, they have had lawsuits filed against them in the past for these same illegal tactics to extend the damage they can do to consumers with regards to their credit long after the debt has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion XXXX XXXX are reporting fraudulent accounts that you did not open.. these account dont belong to me i have called the company and the credit bureau about this and i told iam responsible for these accounts. I have not gave anyone permission to use my name of info to apply for credit. 

XXXX XXXX opened date XX/XX/2020 XXXX XXXX opened date XX/XX/2020 XXXX XXXX opened date XXXX XXXX XXXX XXXX opened date XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, FL XXXX SSN : XXXX XXXX DOB : XX/XX/XXXX To : Equifax Information Services , LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear Equifax, The account listed as XXXX XXXX XXXX with Account number : XXXX, Account status is misleading : showing different per bureau. I have attached a full 3 bureau report with inaccurate reporting. XXXX and XXXX do not show this account. 

Can you delete this from my EQUIFAX consumer report ASAP and send me and update. 
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX and XXXX Account # 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